I couldn’t believe it when my credit score SKYROCKETED by over 200 points in just one year. You could be next!
I had never even heard of the Fair Credit Reporting Act before. Apparently the government passed this to help people deal with their credit history more effectively, and I’m sure glad they did! The Fair Credit Reporting Act allows anyone to dispute ANYTHING they find to be inaccurate on their credit report.
I have to admit, I was a real bone-head. I think more than that I was really a victim of a bad economy and just an all around bad situation. My story starts back in January of 2009 when I was laid off from a job I had been at for over 10 years in an assembly plant. It was a real slap in the face to say the least. Just 6 months later my wife Jenny also lost her job as an accountant. With bills piling up left and right we just didn’t know where to turn.
We quickly burned through the little bit of savings we had and after that began maxing out all of our credit cards just trying to make ends meet. We were both applying for jobs. Applying like it was a full time job just trying to find a job. Yet we didn’t get many interviews and neither of us could seem to find decent employment. After a while all of our credit was maxed out and we could no longer pay our bills every month. Our once stellar credit history was soon smashed into a million pieces as the late payments began to pile up.
My credit scores SANK to just above 400… About as low as it gets…
Luckily, after a while me and Jenny both found jobs again. Granted, we weren’t making as much as we used to but we were finally able to start paying some bills again and started digging ourselves out of the mountain of debt we had accumulated. Let me tell you, if I had a nickel for every debt collection call that came in I could have paid back all of our debt twice over.
My life felt like a never ending battle every day. I was working two jobs just to pay the bills that came in every month and didn’t have much to spare. I wished more than anything that I could just get a second chance to start over, fresh and new. Sometimes you get lucky in life and this is the part of the story where I did just that. My friend Steve from my second job as a third shift gas station attendant told me that he had once been in the same boat.
Steve had been in the same position as me. Laid off and left to fend for himself financially, although he claimed he had the answer to all my problems. Steve had become somewhat of an expert in credit repair. He had tried all the DIY credit repair solutions like mailing dispute letters to the credit report bureaus but had no luck fixing his credit report himself. He said he finally caught his break when he heard about Lexington Law from his brother in-law. After just 2 short months he said his credit score was already up over 50 points, bringing it up to around 650, which is pretty good for a guy who still had some negative marks on his credit report.
My Personal Experience with Lexington Law
I was desperate to get my life back on track. After me and Jenny both lost our jobs we were forced to move into a cramped one bedroom apartment. We both dreamed about the day when we would finally be able to own our own home again. I decided to take Steve’s advice and called up Lexington Law for a consultation. Best decision I ever made in my life. All I had to do was send them copies of my credit reports from the three bureaus which I got from AnnualCreditReport.com. I already knew of a few items that needed to be disputed but Lexington Law took it to a whole other level.
Lexington Law diligently challenged ALL of the records on my credit report. I was a little skeptical as to whether or not this strategy was going to work (and frankly a little scared it might be illegal or something). To my surprise, they were able to get a lot of negative entries removed from my credit report, some of which I NEVER thought would go away.
I was completely blown away to say the least. I never thought anyone would be able to do so much to help me take care of all the financial mistakes I had made in the past. It felt like the weight of the world had just been taken off my shoulders and to be honest I started sleeping a whole lot better at night knowing I had someone working for my best interests.
And The Results? …
After just the first round of disputes I quickly saw my credit score spike a cool 75 points. This was almost a 20% gain over what I had just a few short weeks earlier. I guess they choose to dispute the items on your credit report which have had the most negative impact first, helping you get a quick start on your credit repair. I was completely amazed with the results right out of the gate.
After a month or two I started getting letters in the mail from the credit reporting bureaus about the disputes that were filed on my behalf. Seeing all of those “DELETED” entries in every letter I received made me happier than I had been in years. At that point I only wished that I had gotten started sooner. If you don’t believe me, take a look at this letter received from TransUnion regarding some disputes:
I couldn’t believe my eyes. This is just one of the many letters that started pouring in after just a few months of working with Lexington Law. Slowly but surely; I saw items being deleted from my credit report and my score just kept going up. Take a look at my results after just one short year:
TransUnion - Before: 420 & After: 620 (+200!!)
Experian - Before: 475 & After: 635 (+160)
Equifax - Before: 465 & After: 640 (+175)
These are the results I got after one year and about $600 later. They only charge $99 up front and $39.95 per month after and I would have to say that it has been worth every penny. I’ll save this much money every year on the car loan I plan on taking out soon to replace my old rusty beater.
Once I get some new credit established I hope to push my credit score above 750 and finally get that house me and Jenny have been dreaming about. It’s a great time to buy right now and my high credit score will hopefully get me a great rate on my new mortgage.
I would have to say that Lexington Law provided a truly professional experience from start to finish. These guys really know what they’re doing when it comes to credit repair. I wouldn’t hesitate for a second to recommend them to my friends and family (which I actually do, quite often). I don’t know that there’s any company out there who could do so much for someone and still charge so little. If you want to find out what they can do for you, just give them a call. The consultation is free so you’ve got absolutely nothing to lose and everything to gain!