“Lexington Credit Repair Can Help You Raise Your Credit Score Hundreds of Points”

Here’s My True Story, Complete With Credit Reports, Proving the Effectiveness of Lexington Law’s Credit Repair Services

When I got into trouble with debt collectors, my credit score got trashed. Fortunately, I discovered Lexington Credit Repair. Their talented and professional attorneys and paralegals helped me to exercise my legal rights, clean up my credit report, and raise my score hundreds of points. I hope that by sharing my story with you, I can inspire you to call Lexington Law and get the help you need today.

It only takes one big, unexpected expense or life-altering event to completely disrupt all of your financial plans. For me, the trigger was losing my job. Once I lost my income, I was no longer able to manage all of my bills and financial responsibilities. What had seemed like a manageable debt load just weeks before had become completely overwhelming.

I tried to stretch my savings by paying only the high-priority bills. However, as I missed payments on various accounts, everything started to seem like a high priority. I was getting tons of letters with “overdue” and “last notice” stamped on them in angry red letters, and I was really feeling the pressure.

Time passed, and I ended up missing too many payments on my credit cards and on my auto loan. These debts were picked up by collection agencies, including LVNV Funding and Palisades. Now I had even more angry mail to sort through, as each of these debt collection companies sent me about one letter per week.

Because I had two companies after me, I had double the unwanted attention. Representatives from both LVNV and Palisades would call me almost every day. It got to the point where I couldn’t even stand to hear the phone ring. I would have loved to just switch my phone off and do all of my communicating online, but that’s not really an option when you’re in the middle of a job search. I had to learn to answer the phone and sound professional in case a potential employer was calling, but then quickly hang up if LVNV or Palisades was on the other end of the line.

As if the whole phone situation wasn’t stressful enough, my debt collectors also ruined my credit by reporting my debts to the credit bureaus. This was just another tactic to try to demoralize me and convince me that I had no other option but to pay off the collection agencies. It almost worked. If I had actually had any money at all to spare, I probably would have paid. I felt so bad about myself, and I just wanted to make the whole situation go away somehow.

I ordered a copy of my credit report, just to see how bad things had gotten. My score was 501! There were so many collection items littering my report that it was hard to keep them all straight. I looked at my records and tried to figure it out, but it didn’t make sense. It actually looked as if one of the debts had been reported several times.

At this point I didn’t think things could get much worse. My credit was ruined, I was out of work, and had no prospects. However, my debt collectors suddenly took things up a notch. They started telling me that they would take me to court if I didn’t pay. I could be arrested, they could garnish my wages, they could seize my assets…the list went on and on. I wasn’t sure if it was true, but I couldn’t live with those kinds of threats hanging over my head. I needed to be able to stand up to my debt collectors, and I needed to repair my credit.

I started researching debt collection and credit repair online, and I found out about Lexington Credit Repair. This credit repair service is offered by Lexington Law, a company with 24 attorneys, 200+ paralegals and agents operating in 19 states, and more than two decades of experience.

The thing that impressed me the most about Lexington Credit Repair was their track record. In a single year, they had over one million negative credit items deleted on behalf of their clients. From that one statistic, I could tell that Lexington Law was widely experienced in all sorts of credit repair situations. My situation no longer seemed so uniquely terrible. I realized that there were plenty of people in the exact same boat as I was in. If Lexington Law could help those people, they could help me too.

I called Lexington Credit Repair for my free consultation, and immediately felt better. The Lexington Law representative who took my initial call was very respectful and polite. She was a very welcome contrast to the debt collectors I’d been dealing with! Instead of avoiding my questions, she actually answered them. She took the time to explain the credit repair process, and even talked with me about my financial goals. I told her about my situation and explained that I needed good credit to get a new job and begin recovering from all of my financial problems.

When I hung up the phone after hiring Lexington Law, I knew I was in capable hands. I could finally relax and let the stress of being hunted by my debt collectors begin to melt away.

Within a very short period of time, I could see Lexington Credit Repair beginning to show results. I received new letters from the credit bureaus, this time stating that items were being removed from my credit report! The LVNV collection item was the first to go. It was soon followed by the Palisades items, as well as several other black marks that had been on my credit report for years. With those items gone, my credit score began to rebound. That dismal 501 score rose to 745!

I am so grateful to Lexington Law. They delivered everything they promised and more. I couldn’t be happier with the results. Today I have a clean credit report, a healthy credit score, and a brand new job. I feel in control of my life again, and I know that is due in large part to the efforts of the professionals from Lexington Credit Repair.

If you have bad credit because of collection items, don’t wait a minute longer to call Lexington Law. Not only will they repair your credit, they will also teach you invaluable lessons about your rights as a consumer.

In case you need more convincing, here are just a few of the ways that Lexington Law can fight back against your debt collectors and get your collection items and credit judgments deleted:

-Debt Validation. Lexington Credit Repair will initiate the debt validation process for you. This forces the debt collector to PROVE that you owe the amount they have reported to the credit bureau. If they can’t prove it, it will be deleted.

-Statute of Limitations. Lexington Credit Repair will investigate your debts and see if the statute of limitations on any of them has expired. If the debts have expired, your debt collector cannot legally report them to the credit bureaus, and they will be deleted from your report.

-Fair Debt Collection Practices Act. Lexington Credit Repair will educate you about your rights under this act. This is really great, because in addition to providing a basis for getting items removed from your credit report, this act will help get your debt collectors to stop harassing you.

-Fair Credit Reporting Act. Lexington Credit Repair will use the protections of this act to get any inaccurately reported items removed from your credit report.

With help from Lexington Credit Repair, you can take full advantage of your legal rights. Don’t make the mistake of trying to handle things on your own. Sending unprofessional letters to debt collectors can actually make it harder to dispute your debt later. Same with making payments. If you pay on an expired debt, it can restart the stature of imitations on that debt and make you legally responsible for it once again. Also, paying on any debt is no guarantee that your credit will improve. Your credit only improves when those negative items are REMOVED. Don’t accept any other solution.

Credit repair can be complicated. That’s why its so important not to do anything until you get professional help! Call Lexington Credit Repair today for your free consultation, and stop being haunted by bad credit.