Best Credit Repair Company

Lexington Law Firm is committed to helping you restore your credit. The firm has the resources you need to restore your credit and improve your score by learning how to manage your finances and pay off your debts in a way that works best for you. The law firm has been in business sine the 1990s, and is viewed as the leading credit repair services provider.

According to Lexington Law Firm reviews, works according to federal regulations to contact your creditors and inform them that are you are part of the credit restoration program. The firm then negotiates with debtors to come up with monthly payments that are affordable for you. This helps you to clean up your credit faster and keeps you from being overwhelmed with debt. Lexington Law Firm will also provide expert services if you decide that bankruptcy is the best option for you. The experienced lawyers on the team will walk you through the bankruptcy process so that you can restore your finances without having to endure major setbacks like losing your car or home.

In addition to helping you repair your credit, Lexington Law Firm can also assist you with a number of other legal services. For instance, if you have a DUI and need to be represented fairly so you won’t risk losing your job, the team of attorneys can help. If you’re going through a divorce and want a professional team of attorneys to ensure that this difficult process is as seamless as possible, Lexington Law Firm can help. The lawyers can make sure that all your property is divided accurately, and will give you the correct information for dividing any assets or businesses that you share.

Lexington Law Firm is also qualified to take on child custody cases. The team of law professionals is committed to seeing that families are satisfied with custody arrangements, and children are placed in safe and caring environments. The law firm also takes on criminal cases of various kinds, to help you the justice you deserve if you are the victim of a crime. If you need your rights to property or water defended, you can contact the law firm to get the representation that will help you win your case. In some cases, Lexington will also take on pro bono cases.

Contact Lexington Law Firm today and speak with an attorney about your financial or legal needs. You’ll find the solutions you need to improve your finances and improve your quality of life.

Repairing Your Credit Score

Even for someone with an extremely poor credit score, bankruptcy may not be the best option for your situation. Your credit score can still be repaired through a little bit of hard work and dedication. By understanding your credit score, you will be able to develop the best plan for your personal situation.

It is important to keep in mind that you are not technically rebuilding your credit score, you are rebuilding your credit history. Once your credit history is rebuilt, your credit score will reflect this. Even after you have paid off a debt, it will take some time before the mark is reflected on your record. Here are a few things to keep in mind:

1. Delinquent marks will stay on your credit report for seven years.

2. Public record marks will remain on your credit report for at least 7 years. However, if you choose to file for bankruptcy it will remain on your report for at least 10 years, as will any unpaid tax lean.

3. Any hard inquiry on your credit report will stay on your credit report for two years. A hard credit report is something such as a credit check for a car loan or credit card.

Here are some tips for repairing your credit score:

Keep Current Bills Up to Date One of the most important things you can do is to pay your bills on time, even if you have not done so in the past. As you will see on your credit report, late payments are one of the most detrimental factors when you are trying to repair your credit score. Anything that shows up on your credit report as delinquent or in collections will depreciate your score.

Paying Off Debts Paying off debts is one of the most crucial things you can do to repair your credit score and decrease the impact that it has on your life. Many people tend to move their debt from one place to another. For example, paying off bills with credit cards. This does not improve your credit score, it only increases the amount of open debt that are shown to potential creditors.


Applying for Credit Cards and Keeping Balances Low Many people think that applying for credit cards will help improve their credit score. In some cases open credit accounts can help dramatically. However, you should be very critical of any new credit accounts that are opened and they should only be opened on an as needed basis.

In order to ensure that your current credit cards do not damage your credit score, pay down your balance and keep your balance low. A continuously high balance on your credit card can reflect as poorly as an unpaid credit card bill.

Credit Repair Does Not Happen Overnight Credit repair is a very tedious task. After you pay off a bill, you must wait a certain period of time before the negative score is removed from your report. The amount of time that it takes to remove a derogatory remark will depend greatly on the type of bill that was paid off.