The vast majority of people end up in financial disaster at least once in their life. You don’t have to sit back and wait years and years for negative items to fall off your report and cross your fingers that you don’t get sued. There are more active ways to try to repair your credit. It’s also okay to seek help from professionals who provide legitimate credit repair services.
While it is not a solution for all credit problems, it is a good place to start the repair process. The extent to which they will be able to help you will depend on the negative items that are affecting your credit score. Some of them could be 100% accurate and fair, while others could be questionable and negotiable. There could also be late payments on your report from accounts that aren’t even yours, whether they got there by mistake or identity theft.
Since there are three credit bureaus, you should order copies of all three reports (you can do this once a year for free) and go through everything yourself to get an idea of how bad your credit is and what your score is. You have the right to attempt to dispute any negative items, but it is not necessarily recommended that you do it all yourself. Save yourself a lot of time and hassle by going through a legitimate credit repair agency.
Legitimate Credit Repair Limitations
Before choosing one, you need to understand what they can help you with and what they can’t help you with. A “legitimate” error in your report is not something you don’t like, it’s a real inaccuracy. No genuine credit repair company will guarantee that they will be able to get rid of the exact negative items. There may be a little leeway for them to negotiate with credit bureaus and credit card companies, but they won’t give you any guarantees.
Never put your credit repair in the hands of a company and then forget about it. It is important that you keep an open line of communication with them. Get a little familiar with how these companies work, what they can legally do to help you, and what they can’t do. A real, honest company will keep in touch with you and let you know what steps they are taking and when.
When you read legitimate credit repair reviews, you will no doubt come across “Lexington’s Law” many times. This is because it is a highly rated company that uses all legal means to help its clients and does not charge money up front. If you don’t want to take the DIY approach and really want to work with legal professionals, Lexington Law is the company to go to.