This post is sponsored by Lexington Law, but the content and opinions expressed here are my own. Lexington Law Disclaimer.
A credit score is such an important aspect of one’s overall financial picture. While most of us know that a good credit score can help secure lower interest rates on credit cards and loans it is important to know there are many other reasons for you to pay close attention to your credit score. Lexington Law can provide the resources that you need to clean up your credit report and raise your credit score and I am here to share that yes – YOU CAN FIX IT!
There are a lot of numbers in our life that we hate to talk about…our weight, the money in our bank account, amount of debt, that “partner” number and our CREDIT SCORE! Today I am talking all about THAT number, your credit score. To be honest, my credit score was not something I ever worried about until I went through my divorce. It was amazing how this change in relationship status affected my credit. After years of being an on time bill payer, responsible credit card user, homeowner and car owner – the splitting of debt and changes in loans hit me hard. Just one more thing that people never talk about in this divorce recovery!
Why Is Your Credit Score So Important?
With years of good to very good credit scores and credit history, I didn’t realize how important a good credit score was until I saw mine decline. As I said earlier, most of us know that a good credit score is important to secure lower interest rates on credit cards and loans but did you know it can also affect your employment and your ability to rent an apartment? Oh and don’t forget that car insurance companies, utility providers and cell phone providers also check your credit scores! As I jumped into the world of being single and relying on just my credit score I knew I had some work to do. To be honest, this was super overwhelming at first. Mostly, because it was something I never really considered an issue. While I am not an expert, here is what I do know, your credit score can be fixed and Lexington Law has some amazing credit repair services available for us to utilize.
How Can Lexington Law Help You Meet Your Credit Goals?
Credit repair is the process of improving a poor credit score by addressing or removing negative items that could be listed on your reports inaccurately. Although the Fair Credit Reporting Act outlined the right for Americans to have accurate credit reports, credit reporting agencies require you to navigate complicated online systems and send a series of formal dispute letters in order to fix your credit.
Lexington Law will do a credit report analysis. By obtaining your credit reports they can create a plan to target the questionable negative items that are affecting your credit score. Then the team will do the work that might seem super overwhelming to you – credit disputing! The team will send out the appropriate correspondence to dispute and challenge the inaccurate negative items on your credit report. Lexington Law will ensure that for these negative items your credit rights will be fairly represented. Through this entire process your credit report will be analyzed and monitored, you can also do this 24/7 from the app! In addition to the analysis and assistance in disputing you will have the opportunities to use the credit counseling solutions to help you meet those financial goals! Lexington Law offers a variety of service levels to support every budget and need.
Reach Those Financial Goals!
No matter what your credit situation looks like, the professionals at Lexington Law are available to help with your financial goals. This includes repairing your credit, removing incorrect items from your credit report, credit coaching or credit monitoring! Lexington Law is a name you can trust as you begin reaching for those financial goals! For me, my biggest goal was to have a home in my name, I have reached that goal and now I continue to pay down my credit card debts and work towards a credit card free living so I can begin thinking about upgrading my 10 year old car and replacing my roof and siding on my home. Big goals but ones that I know I will feel so proud of when they are reached. I am glad there is a place like Lexington Law to help me on the journey.
You Are Not Alone In This Journey!
Lexington Law has seen over 221 million total challenges and disputes on behalf of their clients, and the clients of Lexington Law have seen over 70 million negative item removals on their credit reports since Lexington Law was founded in 2004. In 2020, Lexington Law provided over 2.6 million free credit report consultations, saw over 7 million negative item removals on their client’s credit reports, and sent over 9.1 million interventions on their clients’ behalf.
Read that again, you are not alone. You are not the only person who checked their credit and couldn’t believe the numbers they saw. You are not the only person that is on a journey to fix their credit. If anything, me going through this journey myself has helped me feel the guilt and overwhelmed feeling that people feel daily. It can feel so embarrassing to talk about your credit – just like it can be embarrassing to discuss your weight but it is time to do something about this number!
Lexington Law Is Waiting For You:
Lexington Law can help you work towards fixing your credit and guide you on the path to better interest rates for a home, car, or another large purchase. Stop letting bad credit anxiety paralyze you, Lexington Law can help you do something about it! Sign up to stay on top of your credit with help from the team at Lexington Law.
