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Top 3 Reasons Why You Should Consider Using a Credit Repair Law Firm

Updated on May 10, 2016

Over the years lawyers have garnered the reputation for being a bit unscrupulous. Nevertheless, in the world of credit repair, Lexington Law, a credit repair law firm, seems to have debunked that myth, serving well over a half million credit clients and removing over 3,300,000 negative items from its clients’ credit reports in the year 2015 alone. In a nutshell, this credit repair law firm has largely been able to do what very few fly-by-night credit repair clinics have not: get results! Put simply, in the world of credit repair, the name Lexington Law has become synonymous with real world solutions. All things equal, if you have a bad credit report, then what you really have is a financial problem on your hands—namely, consumers with very high FICO scores typically receive the best rates on home mortgages, auto loans, and insurance quotes. Although there is a strong case to self-credit repair, many consumers are just not up for the task, thus should consider the services of a credit repair professional (i.e., a certified non-profit credit counselor, or a credit repair specialist such as a lawyer or paralegal). Below are the top 3 reasons you should consider buying the services of a credit repair law firm:

Reason #3 A Reputable Credit Repair Law Firm Has a Competitive Advantage…

Let’s face it: bad credit doesn’t feel good. And naturally, any consumer afflicted with a bad credit report wants to be restored back to credit health as soon as possible. Nevertheless, what most consumers fail to realize is that the credit repair process is indeed a process, which stands to reason why a one should consider the services of credit professional. A reputable credit repair attorney or paralegal will have a competitive advantage in the credit repair process—especially in its early stages. Furthermore, this competitive advantage will manifest itself in the areas of knowledge of consumer laws, strong communications skills and the ability to keep detailed records of the process. Consumers that tend to struggle with credit repair are those that don’t understand all of the elements evolved.

Reason #2 Credit Repair Lawyers Have the Law on Their Side…

The hardest part of self-credit repair is done in the early stages. In the very early beginning, you’ll naturally be confused, perplexed, and perhaps a bit overwhelmed. Again, consumers just starting out seem confused the most, asking such pertinent questions as: “Where can I find my credit reports; and more importantly, how do I dispute negative items on my credit report?” The thing that a novice credit repairer may fail to realize is that when you’re dealing with Equifax, Transunion and Experian, (which are the actual credit bureaus doing the reporting) you'll be dealing with three profit-seeking enterprises. Credit error is big business! What this really means is that it is up to the consumer to prose him or herself on credit laws, which are enacted to govern those organizations. In essence, a good credit repair lawyer should be fairly knowledgeable enough with the credit repairing laws, thus will be in a better position to get the kinds of results needed to increase your credit scores.

Reason #1 A Credit Repair Law Firm Have the Tools of the Trade…

In order to engage in effective credit repair, you’ve got to have the tools of the trade. Tools of the trade? That’s right—when you’re dealing with a collection agency (CA) or junk debt buyer (JDB) you’ll be dealing with what some might call a crook. These organizations over the years have earned a pretty nasty reputation for themselves—i.e., harassment phone calls, threatening letters, frivolous lawsuits, you name it. What any self-respecting credit repair lawyer will already know is that—in reference to a negative collection account—what the collection agency is really selling you is a lie. In fact, most collection agencies pay pennies on the dollar for accounts, and then engage in what’s called aggressive collection activities—better known as collection scare tactics. Not to be afraid, there are laws enacted to protect consumers like yourself. Caveat emptor: credit repair is the real deal, and you can find yourself in the hot seat if you’re not careful. Ever heard of a deficient judgment—what about a motion to vacate? Credit repair lawyers will not only have the judicial might to prevent this from happening—but if it does, the ability to do battle with the courts.


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