Has anyone had success with Lexington Law Firm? How many points did your score go up by? 50? 60? More? Less?

Question

Thanks...

Answer 1

FYI - Re Authorized users


A major change to the FICO® credit score formula was announced by Fair Isaac Corporation earlier this week. FICO scores will no longer factor authorized user accounts into their credit scoring formulas.

Consumers who are listed as authorized users on credit card accounts will likely see a significant change in their credit scores when this modification takes place later this summer.

For most consumers, this change will have a negative impact on their credit scores. Only consumers who are listed as an authorized user on negative accounts or accounts that have balances that are close to the credit limit will possibly see an increase in their credit scores.

Adding a family member or friend as an authorized user on an existing credit card account has long been used as a way to establish credit. Many parents added their children as authorized users in order to help them build their credit history.

Answer 2

There are 3 ways to repair your credit.

1) Remove negative information.This can be done by you disputing it or paying a company to do it. I would first try to do it yourself. Go to www.annualcreditreport.com and look at all 3 copies of your credit report for free. Dispute any and all negative information.

2) Use good credit management going forward. Pay ALL bills on time. Keep credit card balances to under 20% of their limits at all times. Keep credit inquires to 2 bureau pulls a year.

3) ADD good credit. This can be done through piggybacking. Ask a relative or friend to add you as an authorized user on their credit card(s). You want people with excellent credit, high limits and perfect credit history. You won't get a credit card, but you will get their ENTIRE credit history on that account on your file within 60 days. It is FREE.

You can do all this steps on your own. .and increase your score over 100 points.

Hope that helps. .email me with any questions.

Daniel

Answer 3

Lexington Law will simply charge you good money to do something you can easily do yourself. Get your free copies of your three credit reports and check them over carefully to insure that everything on the report is accurate and refers to you. If there's anything amiss, you can file a dispute with the credit reporting agency involved, and they will contact the creditor for verification. If it's wrong, it will be removed and your credit score will increase.

How simple was THAT ?

Answer 4

Your score won't go up and your checkbook will go down. I don't care how much lawyering you have, you can't change your credit score with attorney's, or everyone would do it. It's not even ethical or legal. Check the FTC website below. Go to page 21 on the pdf file.