My Credit Score Shot up By 200 Points in One Year. So Can Yours….
“The law states clearly that a consumer can dispute ANY item on their credit report and that if the item is found to be inaccurate, incomplete or cannot be verified then it must be removed” – FCRA (The Fair Credit Reporting Act)
Talking about facts, this law of FCRA is probably the most important thing that you need to know if you wish to repair your credit. Being an idiot for almost two years, I have endured a miserable life with the sword of bad credit dangling over my head only because I read somewhere that approaching credit repair companies is illegal.
With my credit scores between 430-475, bad credit seemed to be an end of the world for me…..
I could not buy a home, no car for me…I could not even take a vacation for god’s sake….All because lenders could not even take a good look at my loan application for my credit scores were not sound enough. Not to mention, the insane number of calls that I used to get from debt collection agencies.
My life was a lost battle. At that time, I used to think that if only I could get just one chance to do it all over again, I would never let my life falter like it did. And like some fortunate few, I did get my second chance when I got to know about Lexington Law from Mike, a friend from work.
Mike was also kinda sailing in the same boat, though he had quite an average credit score of around 590. He tried some DIY credit repair as some people suggested him by writing dispute letters to credit bureaus for almost 6 months but to no avail. It was then that he signed up with Lexngton Law to dispute the items in his credit report. After around 2 months, his credit score was up by around 50-65 points, making his credit score to be around 650, which is pretty good.
Why I Signed up for Lexington Law?
Seeing Mike’s results, of course I could not contain myself and researched for Lexington Law online and came across this Lexington Law video testimonial:
Lexington Law Video Testimonials
The above video, Lexington Law’s proven track record of millions of deletions from credit reports for over 19 years, and the fact that they offer a no-risk refund policy (i.e. if they fail to get most items deleted from your credit report, they will refund some or all of your money) was enough to lure me.
I was too desperate to get out of this “bad credit” zone and thankfully signed up for Lexington Law. Soon after the sign up, I sent them the copies of my latest credit reports from all the three bureaus. I was provided with a list of items in my credit report that I want to dispute.
While I was unsure about the verification and accuracy of a few items only, I disputed all items in my credit report to just give it a try. Apparently, it was a good decision as I later saw some deletions in my credit reports that I didn’t even expect.
Time for Results
After the first round itself, I saw an improvement of almost 80 points in my credit report. Apparently, they begin by disputing the items that have most badly impacted your credit report. So, your credit score is restored quite fast in the initial few months.
I started getting updates from credit bureaus about the results of disputes I filed for my credit reports. I was so relieved to see items deleted from my reports and witness my credit score go up. I have even added one of the deletion reports below so that you can see for yourself what I am talking about. I got this report from TranUnion:
Deletion Letter I got from TransUnion
Finally, I started having desires again without feeling guilty about them. I can never thank Lexington Law people enough. All of them were so cordial and my case manager was especially very understanding of my situation. Now, after 12 months, my credit scores are:
TransUnion: 630 (+200)
Experian: 645 (+175)
Equifax: 660 (+185)
Hence, my total money spent in one year was $578.4 only ($99 + $39.95/month X 12). Definitely worth every penny spent!
And I am all geared up to take my credit score to 750 at least. I just got approved for a home loan at a pretty good interest rate. I remember how it became like a distant dream for me, as if I will never be able to have a house of my own. Ah! Life is easy and beautiful again.
Being an undisputed leader among the credit repair companies, I believe that there is no company that knows their job better than Lexington Law when it comes to rebuilding the credit. In case you are interested in knowing what Lexington Law can do with your credit reports, I urge you to sign up for a free, no-obligation consultation with their paralegal and snatch that second chance from your life today!