When I moved to the U.S almost 8 years ago, I was so focused on having fun and exploring a new city that I never really gave my credit score much thought.
Building a good credit score was a mystery to me. I opened a credit card and always tried to pay my bill on time, but my score was still hovering around the same mediocre mark for years.
Now that I’m completely settled and have established a life in the US, a few months ago I decided it was finally time to tackle my credit.
As I said, I had no idea why it was so average, but I suspected there may be some questionable late payments and other negative items that needed to be investigated. Problem is, I had no idea where to start.
I tried a couple of different methods to improve my credit score, but it never increased by more than 20 points. Trying to investigate what might be causing a low score yourself is no easy feat, so I decided I needed to find a service that would carry some of the burden for me.
Your credit score is a very personal thing, so I knew I needed to find a service I could trust. Luckily, I found Lexington Law Firm, a service that works on their clients’ behalf to address questionable negative items on your reports.
Getting started was a lot easier than I was expecting. After filling out a quick online questionnaire—which only took around ten minutes—I received a free credit report consultation that gave me clarity on my credit score, a credit report summary, and an expert recommendation. This consultation did not negatively impact my credit score in any way.
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Lexington Law’s dashboard is personalized to your case, and it’s really easy to navigate and track progress (even for a rookie like me!). You can see your credit score from all three bureaus, as well as the positive and negative items impacting your credit.
My representative, Chris, let me know that there were 6 questionable items on my report that he was going to investigate. Lexington Law lets you provide more info on the identified items, and also prioritize them in the order you want them looked into.
Turns out, I had completely forgotten to cancel a gym membership from 5 years ago, and this had been hurting my score. I also had some questionable late payments that didn’t seem right.
They quickly got to work on my case and after only a month of using Lexington Law, 2 negative items had been successfully removed. My credit score improved by almost 100 points!* Lexington Law has kept me updated every step of the way, and I’m so happy with the work they’ve done so far.
Lexington Law also helped me learn that too many inquiries for new lines of credit can dramatically impact your score. Thankfully, they will work on your behalf to have any inaccurate or questionable inquiries removed from your reports.
On top of helping you work to improve your score, Lexington Law also provides continued support with their Money Manager feature. It helps you break down your spending and get a real understanding of areas you could be saving. On top of this, they offer free credit recommendations, on all areas of my financial health.
I can’t believe I waited so long to fix my credit score. If I’d have known how easy it is to sign up with Lexington Law, I would have done so years ago. The results after only a month speak for themselves.
Update: Lexington Law is offering our readers a free credit repair consultation, which includes your FREE credit report summary and score. You can follow this link, or call 1-844-690-7574 to take advantage of this no-obligation offer.
Call anytime between 7 am and 11:59 pm EST to get your free credit report and score!
Deirdre O’Brien, an employee of GeistM, a service provider for Lexington Law, was compensated for her time.