Sterling Credit Solutions

Lexington Law Firm

I have tried to fix problems with my credit reports over the last four years. While I was able to delete some derogatory comments, I wish that I had used Lexington Law in the first place. One I started to use Lexington Law, I saw a significant difference in results and most importantly my credit score. I highly recommend The Lexington Law firm which has an A- score from the Better Business Bureau.

Lexington Law is a general service consumer advocacy law firm, not an online credit repair shop. Helping consumers take action on their credit since 1991, we have served over 1/2 million clients.

Their firm is the largest network of credit correction attorneys with 22 attorneys across 16 states (and growing), and is responsible for the employment of 400+ paralegals/agents working to ensure the highest standard of service.

The credit system may seem like a private conversation between your creditors and the credit bureaus, but this conversation is not complete until you have joined it. You have the right to question any information on your credit reports that you feel may be inaccurate, untimely, misleading, incomplete, ambiguous, unverifiable, biased or unclear ("questionable.") If an item cannot be verified, then it must be removed.

While these laws give you a way to address credit issues on your own, acting on them takes more than a letter, a stamp and crossed fingers, it takes experience and perseverance. Many who try to repair their own credit are discouraged by a series of road blocks that lead them to end their fight for fair credit in frustration and despair.

Committed to Green

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How will your change in credit card interest rates impact you?

September 1, 2011

If you happen to miss a payment on your credit card or any other loan it may impact your credit card interest rate. If you owe about $1,000 at 11% interest it will take you 73 months (6 years) to pay it off and $320 in interest. but when your credit card company increases your interest rate due to a late payment, even if the late payment is not that credit card, they can increase your rate to a penalty rate. Let's say that rate is 19.9% (some states allow up to 29.9%). It will now take you 100 months to pay off your balance (8.3 years) and $860 in interest.

It pays to pay your minimum payments on time.

FREE Credit Scores for Prospective Borrowers or NOT.

September 5, 2011

It has been just over a month since the new Federal credit score disclosure law went into effect. Lending institutions have already found loopholes to keep from disclosing your credit score when you are denied credit, loan, or if you received less desirable terms because of your score. According to SmartMoney.com there are time you may not get a credit score. These are usually when banks use their own in-house credit scoring system. There are other ways to get your credit score that will not impact your credit rating by going to MyFICO.com Click here for more information.

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