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The credit repair industry can be a scary place. Given the abundance of news articles, television segments, and "expert" pieces warning of fraudulent credit repair services that get pushed out by well regarded media outlets, it can appear as if the best option is to steer clear of credit repair companies entirely - something many news outlets seem to advocate. A quick search turns up numerous articles detailing how to keep yourself from becoming the victim of a credit repair scammer. Most talk about red flags such as companies charging large upfront fees, claim to help you create a clean credit history, don't advise you of your right to repair you credit yourself, and otherwise make misleading or untruthful claims. At this point, however, very few articles concede that there are credit repair companies like Lexington Law who do not engage in the practices that typify a credit repair scam. In fact, many articles from established news agencies such as CNN end by suggesting people "get legitimate help" from consumer credit counseling services. Not only is this advice incomplete, but it is also 100 percent useless to people who truly could benefit from the assistance of a legal credit repair service. Credit counseling may be able to help people who are struggling to make payments on their debts, but it will do nothing to improve your credit score. Some credit counseling programs may even make your credit look worse. Unlike credit counseling services that aim to bring your finances under control, credit repair services are designed to help you improve your credit score. They are not mutually exclusive offerings and in many cases, a person who has used a credit counseling service to help manage their debts becomes a great candidate for credit repair. Legal credit repair services like those provided by Lexington Law do serve a purpose and it is a disservice to say otherwise. Hopefully as consumers and news columnists alike become more familiar with the services credit repair organizations provide, we'll start seeing a better balance between news stories warning of credit repair scams and news stories detailing qualities to look for in a reputable credit repair organization.
Credit Repair Thoughts: http://www.creditrepairthoughts.org
Providing legal credit repair services since 1991, Lexington Law has helped clients remove millions of negative items from their credit reports including late payments, collections, charge offs, and bankruptcies.
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