Legal Credit Repair, It Exists
The credit repair marketplace has been tainted over past years due to scams,
and illegal credit repair techniques. I believe this has caused some consumers
to think twice before performing any type of credit repair technique. I want to
share with you exactly what legal credit repair is, and how you can find
a professional credit repair specialist to help you improve your credit score.
What exactly is Legal Credit Repair
Legal credit repair is the process to dispute items on your credit report.
Thanks to the Fair Credit Report Act you can now question items that appear on
your credit report from any one of the three credit bureaus. We're not talking
about blatantly trying to remove legitimate information, how ever your credit
report could contain errors and you don't even know it.
So...
STEP 1: Get up to date copies of your credit report from
all three credit bureaus.
Once you have your credit report you then look for credit report errors.
Possibly old information, charge offs not yet removed, disputes that have been
reversed. Hiring a credit repair specialist at this point might be worth while.
They can help you determine what are the best credit report items to dispute,
and which ones won't be worth while.
I suggest checking out Lexington Law if you'd like to hire a Credit Repair
Lawyer to manage your disputes.
STEP 2: Determine credit report dispute items
Now that you know which items to dispute you can begin contacting the credit
bureaus. It's important if you're handling this on your own that you keep copies
of everything you send, and mail everything via registered post. You want
tracking numbers, and proof that items were sent in. The credit bureaus has 30
days to investigate your credit report dispute.
This is the beginning of legal credit repair, following the process that is
laid out to improve your credit score.
If you're hired someone like Lexington Law to manage your credit report error
disputes then they will manage most of the information so while it's still a
good idea to keep excellent records they'll be doing it as well.
STEP 3: Request new copies of your credit report.
It takes about 60 days from beginning to end for a credit report dispute to
be deleted and/or resolved. At this point you should request copies of your
credit reports again to determine how the dispute altered your credit score.
From there you can make another dispute an a different item, or your complete.
Legal credit repair isn't rocket science. There is a system in place that
legally allows you to dispute credit report information. Remember it also give
the credit bureaus the right to investigate your claims and decide whether to
remove or leave the item in question.
Using a credit repair lawyer or other specialist will increase you chances of
having negative items removed. They work with hundreds of clients every month,
and are experts in this field. They know what items can and can't be disputed,
and will handle your case in your best interest.
Yes it does cost a bit to have a professional carry out the legal credit
repair process, but the results will be well worth it. An improved credit score
in less time. As I've already mentioned, my vote goes to Lexington Law who has
removed over 600,000 items in one year alone from clients credit reports.
They understand the legal credit repair process as good as anyone. They have
a toll-free number available on their website that you can speak with a
paralegal associate to discuss how they can help improve your credit score. If
you're serious about improve your credit report visit Lexington Law and give
them a call today.
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