We live in a credit world. We are judged by a 3-digit number, your credit score, that reflects how worthy we are financially when it comes to buying a car, renting an apartment, getting a credit card, and buying a house. These days a credit score is even used to determine an applicant's qualifications for a job! It's no wonder so much emphasis is put on maintaining and improving your credit score.
improve it.
For instance, after bankruptcy your credit report will show many negative listings including the bankruptcy filing, bankruptcy discharge and numerous "included in bankruptcy" listings. (such as any credit cards included in the bankruptcy)
While removing a bankruptcy from your credit report is no easy proposition, it is possible and surely worth the effort.
Do you know what's on your credit report?
If you answered no, you need to get a copy of your report ASAP and review it for innaccuracies and negative items that are bringing down your score. Low credit scores will directly affect your ability to qualify for a loan. Or worse, it may double or triple your loan rate.
Free Credit Report Get a FREE copy of your credit report and review for negative items
What to do if you have BAD CREDIT
It's never too late to start improving or building your credit. Since credit is such a big part of our daily lives, it's important that we try to to keep our credit healthy. We can do that by monitoring what is on our reports. Making sure there are no negative items that are bringing the overall score down. And if there are negative items bringing down your score, to get them removed. There are professional companies out there that can help with this. We've found that Lexington Law is the largest credit correction company out there and does the best job in removing innacurracies and has the best customer service. They also offer a free credit consultation with absolutely no obligations, which means you can get valuable information on your credit and what you can do toimprove it.
Call 1-800-292-0204 for your free credit consultation or sign up for one here.
What most people don't know is that credit repair is legal and it's your right. Millions are affected negatively. Now is your chance to fight back and get good credit again.
The images below are REAL credit reports with negative items legally deleted.How does credit repair work?
Credit repair consists of two phases.
Since most creditors will reject you if you have even one or two negative listings, your first priority should be to repair any negative listings.- Removing the negative listings from your credit report
- Adding new, positive listings
For instance, after bankruptcy your credit report will show many negative listings including the bankruptcy filing, bankruptcy discharge and numerous "included in bankruptcy" listings. (such as any credit cards included in the bankruptcy)
While removing a bankruptcy from your credit report is no easy proposition, it is possible and surely worth the effort.
Top 5 most damaging negative credit items - double check your credit report for these items
Charge Offs - a charge off often results in two negative listings - one from the original creditor and any successive collection agency
Judgment/Public Record - a judgment can often attach to your home or personal assets
Collection - even a single default can lead to a string of collections on your credit history
Bankruptcy - a bankruptcy remains on your credit for up to 10 years (this is 3 additional years as compared to other types of delinquency)
Repossession - repossessions are a major headache when applying for a mortgage or car loan.