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(NAPS)—Every year, millions of Americans are denied loans for homes
and cars due to errors on their credit reports. While a late payment or
derogatory mark from a creditor may seem harmless, it can have long-standing
consequences on your credit, most notably your credit score.

Credit scores are important as 90 percent of banks use this number to
determine a person’s creditworthiness. The more errors on one’s
report, the lower the score and therefore, the harder it may be to obtain

Credit errors that can affect your score are most commonly found in:

• Merchant Trade Lines—department
store cards, auto loans, mortgages and credit cards. If you have a history of
late payment, or if the trade line was included in bankruptcy, charged off or
put into repossession, that’s bad for your credit.

• Collection Account—was
your account referred to collections because of delinquency or a bad check?
Any type of collection account, whether paid or not, is considered very
negative by all credit grantors.

• Court Records—bankruptcies,
judgments, liens and divorces. All court records, including satisfactions,
are considered negative by all credit grantors.

• Credit Searchers—Every
time a potential credit grantor looks at your credit file, a credit inquiry
appears on at least one of your credit bureau reports. If too many recent
inquiries show up on your credit report, credit grantors may become nervous.

The more questionable negative items on your credit report, the lower your
credit score and the lower your chances of getting the money you need at an
interest rate you can afford—and one in every five Americans has mistakes on
his or her credit report.

Fortunately, according to the Fair Credit Reporting Act, you have the
right to challenge the information recorded on your credit reports. That,
however, is not always easy. Effective, enduring credit repair requires
taking appropriate action with your creditors rather than simply creating
ineffective disputes for credit bureaus.

That’s where a credit repair company can come in. For example,
Lexington Law will challenge questionable items on your behalf through
direct, electronic communications with all three credit bureaus: TransUnion, Equifax and Experian.
Although it has a relationship with the three, it doesn’t hesitate to
ask tough questions that affirm all three reporting standards: A credit
report should be accurate, fair and substantiated. The firm challenges
information that may be technically accurate but still unfairly reported or
unsubstantiated. It finds out where the information on your report came from
and how it’s been documented. It knows which laws to leverage and how
to leverage them appropriately, legally and ethically. The end result is a
fair, accurate and substantiated report.

As best-selling author and consumer credit expert Dr. Randy Padawer put it, “If the credit industry is going to
buy and sell consumers’ personal and private information for profit,
they need to be able to answer a lot of tough questions about it. Lexington
Law is a center for advocacy rather than just simple disputation. While other
folks leverage one law, Lexington
leverages many laws.”

That can help you have a fair chance at getting approved for what you want
and open up opportunities to achieve your dreams.

Learn More

For further facts and figures about credit and how to repair yours, go to or
call 833-336-1839.


A good credit score is important, but too many
people are living with harmful errors on their credit  reports.

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Source: on 2018-02-08 15:15:00

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