If you have negative information on your credit report, it will remain there for 7-10 years. This helps lenders and others get a better picture of your credit history. However, while you may not be able to change information from the past, you can demonstrate good credit management moving forward by paying your bills on time and as agreed. As you build a positive credit history, over time, your credit scores will likely improve.
"I had no hope. I thought I would never be able to build my credit; I could not even get approved for a gas card. CreditRepair.com turned all of that around with their equipped skills and fast attacking methods; my credit is finally getting where I want it and now I'm looking into buying a house... CreditRepair.com is a team that makes dreams come true. Thank you CreditRepair.com!!!"
We're still of the opinion that they have something to offer when it comes to credit repair, so we'll get to their packages shortly. First, however, it's important to understand two things: their fees have nearly doubled over the last five years, which could be related to having reached a settlement in Maryland over allegations of not conducting their business properly with respect to all legal requirements within the industry. This changed their grade with the Better Business Bureau; at the time of our last review, Lexington Law enjoyed a respectable "A-", but during our most current survey of their services they were designated as "Not Rated" while the BBB reevaluates their score.
Since 1991, Lexington Law has been the trusted leader in credit repair. They offer a complimentary credit report evaluation with no obligation, including your credit score at no cost. Monthly plans start at $89.95 with no contract allowing you to cancel at any time with a 50% discount available for couples, family, household members, and active military members.
"My credit had been bad for a while because of bad decisions. I just came to the point where I said this can be better. I heard your radio commercial and your customer service walked me through the whole process and explained and answered all my questions. I am very thank you for you helping me raise my scores to a respectful. It’s been such a journey. Thank you"
All plans include 1-on-1 consultations with a certified FICO professional, unlimited disputes, letters to creditors, and pulling your credit report. You should expect it to take up to 60 days to receive your credit report - which also means that you may not see any changes to your credit history for the first two months that you're a client. Keep that in mind as you decide whether you want to be a per-month or pay-as-you-go customer
Opening several credit accounts in a short amount of time can appear risky to lenders and negatively impact your credit score. Before you take out a loan or open a new credit card account, consider the effects it could have on your credit scores. Know too, that when you're buying a car or looking around for the best mortgage rates, your inquiries may be grouped and counted as only one inquiry for the purpose of adding information to your credit report. In many commonly-used scoring models, recent inquiries have greater effect than older inquiries, and they only appear on your credit report or a maximum of 25 months.