My fiance wants to use lexington law firm to fix credit.
Is there a less expensive way and are these places a rip-off?
Step by Step system for repairing bad credit fast no matter what your credit situation may be
.7 Comments on “what’s the best and quickest ways to fix credit history?”
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Best way to fix credit? Pay your bills
Quickest way to fix your credit? It takes time…again, pay your bills
Lexington Law is a ripoff, in fact, there are complaints all over the web for them. Checkout and type them in. Good info on there, about them (and other ‘credit fixers’).
Pay down debt, change lifestyle, don’t live beyond your means, get rid of unnecessary things.
June 27th, 2009 at 2:51 pm
HINT: Only incorrect items can be removed or edited. Thinking that items which merely cause you inconvenience can and will be removed is a farce.
June 29th, 2009 at 5:50 pm
Lexington Law is the largest credit repair company in the country. This does not imply quality, as they lack in that department terribly. However, they can get some of the information removed from your credit reports in a few years.
Many credit repair companies are rip-offs. There are really only a handful of companies in the country that are legitimate and can do what they promise. I will provide you with a link to an article I have written that will educate you on how to tell the difference between a legitimate company and a scam artist.
Do your due dilligence. There are many people out there who have purchased a do-it-yourself kit over the internet and now think they have the education, training and expertise to fix anyone’s credit reports. The truth is, that if you don’t know what you are doing, you may end up with a worse report than you started with originally.
If you have any questions regarding this or any other credit issue please feel free to contact me at
July 3rd, 2009 at 5:47 am
You’re about to fall for the “quick fix” scam. Don’t do it. There ARE no quick fixes. Only you can fix your credit, but it is a slow, gradual process.
July 5th, 2009 at 6:40 am
First off, and I assume you have already done so, access your credit report. You are allowed one free report per year from each bureau, as well as when you are denied credit orif you are a victim of identity theft.
Then check all items very carefully. You would be amazed at how credit bureaus are very lax in cleaning up outdated items. If an account is over 7 years old, ask them to dump it! (the exception is bankruptcy – that stays for 10 years). Also, don’t be afraid to challenge accounts you think may not be yours. The credit bureaus have to investigate all claims within 30 days and take action – i.e. verify or scrub. This happened to me recently over a cable bill I NEVER HAD (turns out a family member used my name to open an account – nice!). I challenged it and it got scrubbed from my credit report. Other than that, if all debts are valid, just keep making those minimum monthly payments (more if you can afford it), and do not incur any more unecessary debt. It’s not a “quick fix” (nothing is) but be patient and you’ll start seeing results!
July 5th, 2009 at 3:11 pm
Hello there!
Tips on how to improve your credit history:
* Pay your bills on time.
Delinquent payments and collections can have a major negative impact on your FICO score.
* If you have missed payments, get current and stay current.
The longer you pay your bills on time, the better your credit score.
* Be aware that paying off a collection account will not remove it from your credit report.
It will stay on your report for seven years.
* If you are having trouble making ends meet, contact your creditors or see a legitimate credit counselor.
This won’t improve your credit score immediately, but if you can begin to manage your credit and pay on time, your score will get better over time.
Amounts Owed Tips
* Keep balances low on credit cards and other “revolving credit”.
High outstanding debt can affect a credit score.
* Pay off debt rather than moving it around.
The most effective way to improve your credit score in this area is by paying down your revolving credit. In fact, owing the same amount but having fewer open accounts may lower your score.
* Don’t close unused credit cards as a short-term strategy to raise your score.
* Don’t open a number of new credit cards that you don’t need, just to increase your available credit.
This approach could backfire and actually lower your credit score.
Good Luck~-~
July 7th, 2009 at 11:20 am
Your credit score is based mostly on:
1. Length of credit history
2. Payment history.
3. Ratio of credit used to available credit.
4. Number of credit inquiries you authorized.
If you cancel your card, you’ll be hurting your credit ratio. (#3).
You want to deliberately keep your oldest credit card open, even if you never use it.
You want to always pay the minimums of each loan on time every month.
You want to keep your available credit high, but actually only have balances equalinig 25% or less.
You want to keep your credit inquiries to a minimum. Try for no more than 3 or 4 per year for any type of loans.
You do these things and your credit score will quickly soar into the 700s.
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July 8th, 2009 at 9:25 pm