Do
You Need Credit
Repair?
"Now You Can Stop Worrying About Your Credit-- Even
If You've Tried Every Other Way To
Repair You Credit With No Luck!"
You CAN Repair Your Credit - no
matter how hard you've
tried before or how much you've spent with no results.
Dear Friend,
Of course, you
want your credit repaired and your score raised. But you've
tried so many things
you don't know who or what to believe anymore. You just want those
credit worries to stop more than anything else, and you should!
That's where I
come in. My name is Herb Wills and I'm a credit repair specialist, in
business for more than 20 years.
Does this
sound familiar?
You know that credit report
scores affect all aspects of your life, from getting a job to credit
cards, buying a car or getting a mortgage or refinancing your
home. The average American with a below-average credit report scores
will probably spend an extra 30-40% a month in excessive higher
interest rates. If this sounds familiar...read on.
While repairing
your credit report is no easy proposition, it is possible and
definitely worth the effort.
Can't
Wait?
|
Talk To The Credit Repair
Experts Today
Absolutely No Obligation To
Purchase Anything
|
And
it can work for you too…
How do I know?
Because it has worked for hundreds of people just like
you. However, I don't expect you to believe me until you see even more
proof.
|
“
I have seen dramatic improvements in my credit rating. I was able to
benefit from these changes by refinancing my home, and receive a
excellent interest rate. I could not have done this without the
services of your company... I have now achieved my desired goal. Thank
you. ”
— Brian, Lexington client*
|
|
“I’m sure you hear this all the time but I
couldn't stop singing songs of praise to the staff at the Lexington Law
Firm. I got an updated copy of my Experian Credit Report today and I
was so happy I started jumping up and down in the driveway. They
deleted six out of nine negative entries — and in less than two months
— now that’s what I call SERVICE. I can’t wait to see the negative
entries fall off my other reports as well! Thanks a million!”
— A., Lexington client*
|
|
"I have reviewed my credit statements and find
that you have done a great job at cleaning up my credit. I am very
happy with the job that you have done. So happy in fact that I am
recommending you to anyone who I know with bad credit. You have
literally worked yourself out of a job. :) thank you thank you thank
you.”
— G.P., Lexington client*
|
I promise your
situation is not unique. And more importantly - your situation is NOT
hopeless.
Credit
News You Can Use:
The big problem is
that people who suffer from having bad credit have been given lots of wrong information by friends, family and especially bankers.
Here
are three big myths about Credit Repair
that will never get you
the results you want:
- Building
enough good credit, will offset my bad credit and make me credit worthy.
Any amount of
bad credit is devastating to your chances of being approved by a credit
grantor. Most credit grantors never actually look at your credit
report. A computer pulls your credit report, rates your credit
standing, income, indebtedness, and stability, generates a number (or
FICO score,) then spits out an acceptance or denial. Even one or two
slow pays will usually trigger a credit card or personal loan denial.
The slightest amount of negative credit will cause the interest on an
auto loan to skyrocket. You will probably find that even a little bad
credit, regardless of how much good credit you have, is an unacceptable
barrier to credit approval.
- When I pay
off a past-due account, such as a charge off or a collection account,
will show "paid" and no longer be considered negative?
It is quite
difficult to repair your credit without somehow satisfying your
outstanding debts. However, the act of paying off a debt will not
improve your credit rating much, if at all. Negative credit is allowed
to stay on the credit report for a maximum of seven and one half years,
except for bankruptcy which may remain on the credit report for ten
years. Under the old Fair Credit Reporting Act (FCRA), the seven year
clock began ticking on "the date of last activity" or, in other words,
when the last action took place on the account. Under the revised FCRA,
the credit bureaus must start the seven year clock on the first payment
that you missed that led to the collection or charge off status. Now,
creditors and collection agencies aren't allowed to extend the
reporting period by passing the account back and forth between agencies.
However, by
paying an outstanding, delinquent debt you will change the account
status to "paid collection," "paid was late," or "paid was charged off"
- which will still stand out as a very negative listing. When you have
outstanding debt, it is almost always smart to seek professional help
so that you may settle your debts without further damaging your credit.
In some cases, it is even possible to negotiate the deletion of
negative credit as part of the payoff.
- Disputing my
credit report is easy and any person can do it himself for the price of
a few postage stamps.
Disputing the
credit report is easy. Getting results is amazingly
difficult, complex, and infuriating. It is no coincidence that the
Federal Trade Commission receives more complaints about credit bureaus
than any other type of business.
Remember,
credit bureaus are primarily interested in protecting their profits.
Investigating your challenge consumes these profits. Short of sparking
a large number of lawsuits, the credit bureaus seem to do everything in
their power to discourage consumers from making progress with their
credit repair. Repairing your own credit is like repairing your own
transmission or representing yourself in court; it is possible, but you
must decide if your are willing to take the time and assume the risks
of doing it yourself.
Unless you hire a professional to help you,
credit repair will have to become a full-fledged hobby.
Wouldn't you agree
that it's crazy to think you'll get different results if you keep doing
the same thing over and over again and listening to less than
knowledgeable information? If you keep touching a hot stove and kept
getting burned - You'd be silly to think the next time you touch that
hot stove you won't get burned.
That's why you
need to try something different…
Lexington
Law Can Help You With Your CREDIT REPAIR and Get
A New Lease on Your Financial Life... Starting Today:
-
Lexington Law is a consumer advocacy law firm
with a special focus on credit report repair. In practice since 1991,
Lexington Law has helped over 300,000 clients improve their credit. In
2005 alone, the clients of Lexington Law saw over 650,000 items deleted
from their credit reports.
-
Lexington Law is a law firm, an entity in which
clients can trust their personal and sensitive information without fear
of abuse. Lexington Law has earned a solid reputation and has become a
brand which clients trust enough to recommend to others.
- It takes years to gain an intimate knowledge of
the laws and regulations governing credit repair agencies. Lexington
Law has been practicing credit report repair for over 15 years is
because of their respect for and adherence to these laws.
- Lexington Law has reinvented and improved the
practice of credit report repair over and over again - giving clients
absolutely the best results anywhere and making Lexington Law the
largest credit repair firm in the country.
- With over 650,000 negative items deleted in
2005 alone, Lexington Law has the numbers to back up the boldness of
its claims. Credit report repair is possible, a fact that Lexington Law
drives home 2000 times a day.
- The dedicated staff at Lexington Law works
around the clock to serve clients whenever and however it’s convenient
for them. Personal attention to clients is what keeps Lexington Law in
business.
Why
hire a law firm?
When
dealing with something as important and sensitive as your credit, you
should be very careful
who you trust to help you. Who you hire to represent you can have a
profound effect on the outcome of your case.
When it comes to matters of trust, there is no better place to turn
than a law firm. Attorneys are bound by rules of ethics that require
them to act with absolute integrity. Attorneys are responsible for
looking after their clients' best interest and are required to call
upon every means possible to obtain positive results for those clients.
With the lawyers of Lexington Law on your side, you will have a true
advocate for your rights-someone who cares about you and your
situation, and will work very hard to help you reach your credit goals.
Why
act now?
As lending options for
consumers with poor credit that need CREDIT REPAIR
continue to decrease, having a healthy credit score has never been more
important. When you consider that the only alternative is waiting seven
years for credit
repair problems to go away, there's no better time to act
than the present.
You have an incredible array of rights when it comes to improving your
credit, but you must take action on those rights to
make them work for you.
FED UP WITH
BAD CREDIT AND HIGH RATES?
It's
Time To Make This
The Turning Point Of Your Life....
|
Talk To The Credit Repair
Experts Today
Absolutely No Obligation To
Purchase Anything
|
Best of Success,
Herb Wills
P.S. If you continue to do
whatever you're doing, if anything,
the same way, you're going to get the same results. What I'm offering
you is the easiest, most risk-free way for CREDIT
REPAIR I know. Learn what 300,000 clients already know:
credit report repair is possible. Don't
delay another day. Raise your credit score, and help
yourself achieve the financial peace you have always wanted and deserve.
|
