And, I remember thinking I don’t have anyplace to go. I don’t have the power to go where I need to be to take care of the problems, just the daily problems that come up. And, although I didn’t ever consider not living this life I’ve been given, I had a brother that took the other way out. And, I just wish I could tell him, that… try everything. Try everything.

There is hope out there on all kinds of different levels. And from unexpected places. until you’ve exhausted everything. There are answers that you have no idea are there. And just when it looks the worst, when it seems the darkest, that’s when the light comes on.

So, if you’re ready for the light. This is one good thing to explore.

The future now, looks like the skies the limit. It looks like there is a way to capture the dreams that we havd the last 10 years. It’s made things possible that were not possible before.

Check out Lexington Law and see if their credit restoration solution can help you.

Every time you go to apply for a loan… “Oh, Mr. Fillmore,you’re a thief.” Uh huh. Okay, I see how you are. It was impossible to get a signature loan, or even a credit card for five hundred bucks without putting seven hundred and fifty down as a deposit. It blew my mind, you know.

And before I started, I had a good credit rating. I had something really uncomfortable and ugly happen to me. And I’ll be darned, Lexington was able to turn that around so that I don’t have to face that anymore. I can go in with the greatest of comfort and say “Hey, this is where I’m at.” You get me a loan, you take care of my needs, and my bank said, “Hey, absolutely, let’s do it.

With the service, always had a phone numbers, a contact, someone who personally knew my case – who knew what I was after, and was always there to return an email, or get the information I needed so I could keep moving forward.

Every month, I get a discreet email that shows up and says, “Hey, here’s what we’ve done , here’s what we’ve provided you, here’s exactly where you’re at, here’s the next step. Give us some more information.” They come after me, wanting to help me. I don’t have to chase them. So it’s absolutely vital. The customer service is phenomenal.

And for people who may be home, sitting there wondering, “Hey, is there hope?” Yeah, absolutely. And it’s now, and you can have it.

Call Lexington Law: 1-800-223-7615 for a free credit consultation.

Or visit: Lexington Law Results Page

You know that ‘groundhog’ game you play at amusement parks, where you hit the ground on the head to smash it down, and, instantly, another one pops up?  This reminds me of this latest scheme by the slimy credit card companies.

In an effort to protect consumers, the federal government pass the Credit Card Act of 2009.  One of the major features is a 45 day wait before companies can apply a change in someone’s credit card rate (effective Aug 20th, 2009).  Cool, right?  The idea is to allow time for consumers to shop around for a better credit card offer.

Well, the credit card companies are using this same rule to wait 45 days to apply any interest rate DECREASES (This is NOT what the feds intended).

So, the government just barely fixed (Jan 12th, 2010) this so that these interest rate reductions will be immediate and the interest rate increases will have to wait.

This reminds me again that credit card companies don’t have any of the consumers’ interests in mind.  It’s all about taking as much money from the consumer as possible.

The worse your credit, the more they will try to take from you.  These interest rate increases usually happen after your first or second late payment.  This is tactic developed within the last couple years.  Sometimes these interest rate hikes are astronomically high.

This is yet another reason to clean your credit and incorporate healthy credit habits.

More on credit restoration

— P.H., Lexington client

More on credit restoration

Well, last week, Fannie Mae and friends announced that the new echelon for a credit score that will qualify you for a mortgage will be 740. A lot of banks and lending institutions will follow suit.

Have they gone too far? Is this going to kill the chance of an economic turn around in the housing market? Will people just give up because they think there’s just no way they can achieve that kind of a score? I’m not going to go as far as to say Fannie May knows what they’re doing (remember how much money they needed to be bailed out 2 years ago?), but let’s just consider for a second that this is *good* news. Maybe this was how it was supposed to be all along. Only those that make the effort to ensure that their credit score is accurate, unblemished, and under their control, will be able to gain the fruits of the land.

What about those with negative items? Are they destined to rent forever, taking jobs that don’t check their credit, their families suffering for the mistakes that were made (their fault or not) many years ago? How about you check out credit repair for once. Lexington Law saw 84% of the presenting negative items removed from their clients’ credit reports. Last year (2009) their clients removed over a million negative items from their credit reports! This is thanks to a tried and true process they’ve been practicing since 1991. That’s nearly 20 years of practicing their craft, refining their process just to clean up your report. They can do this for you.

Check out last year’s results here

Hi, I’m Gavin the Credit Coach and odds are, procrastination has played some role in your credit crisis: either you procrastinated finding solutions when things got tough or you procrastinated taking action once you knew that your credit score had already suffered damage.

It’s the most human thing in the world: wanting to take a break from your financial worries. But, when that mental break becomes a mental vacation, then a bad situation may become permanent.

Randy Padawer: You know, it’s absolutely true, that procrastination plays a role in almost every case involving bad credit. Whether it’s an issue of not having enough money. Whether it’s an issue of just letting things get away. Sometimes fear plays a role. The fear of “gee, I’m not going to be able to pull this together anyway. I am sort of unconsciously letting it go.”

Even when it’s clear that credit repair is the only solution to a damaged credit rating – other than waiting seven to ten years — many people still delay the decision to take action.

Of course, engaging a law firm is a big decision, but the Lexington Law programs are reasonably affordable by almost any standard. But, many people delay even if they can fit the credit repair investment into their budget – just because they’re reluctant to commit themselves.

But they’re doing themselves more of a disservice than they may realize. You see, there are TWO investments a person must make to repair their credit.

The first is a financial investment. You will be required to invest an amount that is less than the typical car payment, but maybe a little more than a new shirt at a local store.

Any financial investment counts these days, so even though the fees are remarkably low compared to customary attorney’s fees, it’s sensible to take even that small investment seriously.

So, the first investment is financial, but the second investment may be even more important – The second investment is time!

There’s literally no way to rush the credit repair process. Every month you keep us working on your case, the clock ticks in your favor.

Day-by-day your case is built while the law firm carries out a progressive series of communications with the credit companies on your behalf.

There are statutory limits that allow the credit companies thirty days or more to respond to each level of dispute, challenge or intervention, and those time periods must pass at every phase of the credit repair process.

If you’re a Premier client, we’ll be working on your other credit factors, too. This can take time as well.

If you’ve started as early as possible, that time investment works in your favor, with each passing month pushing your case further along and pushing the credit companies closer to resolution.

This is a legal process and it simply requires time to resolve. But, if you don’t get the clock ticking in your favor, the credit companies will have won before you even started.

Randy Padawer: Sometimes it feels like, what’s going on right now, will never change. And Gavin, what I would want Lexington clients to remember is that’s almost always true in a bad situation. Otherwise, we would never be worried. In any terrible life situation, if you knew right then, “Oh it’s going to be better, it’s fine.”, then we would never worry about anything. The worry comes from that feeling that the present circumstance is impossible and will never change.

We wouldn’t be doing our clients any favors by letting their good intentions slip away. So, we say, “Take action, today.”

The retainer agreement can be cancelled at any time and you have nothing at risk but each month’s payment and your questionable, negative credit.

We’re here to make the time count for you instead of against you.

I’m Gavin, the CreditCoach, and remember: Together, we can do this.

We are real people helping real people. There’s no facade about Lexington. You know, we’ve all been there before. And I’m a real person wanting to relate to a real person.

You know, the credit reporting agencies have such power, and they’re the ones that are determining our lives. They’re the ones that are determining our worth, our value as a person. And the transformation, once you have a clean credit report, and you’re in charge. You have the power; it’s yours. You own that.

Why spend another night, stressed? Why spend another sleepless night worrying if you’re going to meet the demands of the things that are expected of you because of the negative items on your credit report. Turn to Lexington. Let us show you what we can do for you.

I’ve seen hundreds and thousands of items removed, late payments, items included in bankruptcies, judgments, charge-offs. Items that people say are impossible to be deleted, to have removed from your credit reports. It’s amazing just to see the experience. And I think that’s really about Lexington: The results speak for themselves.

Check out Lexington Law here

— F.M., Lexington client*
(Your results will vary)

Check out Lexington Law here

— S.V., Lexington client*
(Your results will vary)

Check out Lexington Law here

— J.E., Lexington client
(Your results will vary)

Check out Lexington Law here

— M.O., Lexington client*

Check out Lexington Law here

— C.B., Lexington client*
(Your results will vary)

Check out Lexington Law here

— C.R., Lexington client*
(Your results will vary)

Check out Lexington Law here

— G.P., Lexington client
(Your results will vary)

Check out Lexington Law here

— C.R., Lexington client

Lexington Law

Check out Lexington Law here

Why do employees pull the credit score and/or reports of their prospective employees? Because not only is your credit score indicative of your past financial behavior, some consider it indicative or your overall responsibility. Someone who has paid his or her bills on time over the last few years is someone who will probably show up on time and take pride in their work. They understand that keeping their job means keeping their bills paid on time.

How can you repair your credit of it’s gone in the tank? As any good credit restoration service should tell you, every consumer has the right to dispute their negative items with the credit bureaus. And as anyone who understand the federal laws that give you these rights should tell you, you also have the right to hire a credit restoration service to handle the disputes on your behalf. But I♠CR only recommends hiring a service if you have the budget for it. Otherwise, you should follow the do-it-yourself guide.

Find the right credit restoration company is easy. Just go with the trusted credit repair leaders.

I couldn’t buy anything. I couldn’t purchase a car… I couldn’t buy… anything on credit cards or anything! So, it was frustrating, really to have bad credit.

I went with this company for a whole year. A whole year. And they changed my life around. Me and my husband’s. They changed it around. As a matter of fact, if you can see this ring, right year.

My husband could’nt purchase thing right, before. And the reason why us because he had bad credit. But then he went to a jewelry store, after they cleaned up (his credit), obviously. And this is my wedding band. And he got it for me. And I’m very excited.

I’m your next door neighbor. And maybe I’ll see you someday. But I was in your same shoes. And this that I’m doing right now, is for real. And if you see me on the streets tomorrow, I’m going to tell you it’s for real. I’m not getting paid or anything like that. I’m doing it because I want people to know that there is hope for us. There is hope for you tomorrow. And there is a company called Lexington Law Firm that you can trust and depend on. Call them and talk to them today: 1-800-223-7615

Or visit the site:

Check out Lexington Law here

My issue was time. There’s no way I could compete with Lexington. The small amount of money that they charge me, to make such significant progress in the short period of time it took, I couldn’t compete with that; my time is just too valuable, as I’m sure it is too the many people who are listening here tonight.

And in addition to that, every time I had to deal with a negative, it brought it all back, emotionally. And we can’t even talk about money in relationship to that. It was so nice to be free of that stress, those headaches, that “nightmare” so-to-speak.

So, from the heart I can tell everybody out there, this is a tremendous program, this is a great company. I recommend it to clients, who pay me exceptionally good money. And I wouldn’t recommend it to any body else, if I hadn’t had a first hand experience and believed personally in it.

Sometimes there are just things that are on with the bureaus that just aren’t legitimate. Other times, they’re there as a result of something that transpired in our lives. Sometimes they’re there because we dropped the ball. All of the above. There’s a way to be able to deal with it, and get your credit rating back. Legitimately, legally.

So I think the great thing about Lexington to me, is it can allow you to pick yourself back up again, get restructured and on the right track. And that makes all the difference. We all deserve a second chance.

I don’t understand why people continue to endure the pain, and hold off. And all I can think of, is it comes down to, the ego and the pride. You know, “I just don’t want to be embarrassed.” Oh, it’s not embarrassing. What you’re going through now… THAT’S embarrassing. That’s what’s humiliating. I know, I’ve been there – I’ve experienced it.

Break free of it. Pick up the phone and call Lexington: 1-800-223-7615

Or visit the site:

Check out Lexington Law here

— Christine, Lexington client

www.lexingtonlaw.com/credit-repair-services/

It’s about time that Congress started talking about giving the Average Joe the same tax break that they’ve been giving the first-time buyer.

What will this do for the economy? I don’t think anyone will be able to tell. Even the experts are consistently wrong about determining the long-term effects of any stimulus. And let’s not forget the taxpayers who will be paying the bill for these stimulus packages over the next few hundred years. Those poor suckers. Oh wait, that’s all of us.

But, let’s just say you want to get a good deal on a home where the price has finally dropped down to the “affordable” range. But you were a complete idiot and bought a home a few years ago. Sucks to be you. Wish you would’ve waited to invest in property until the Fed was going help you out, right? But maybe that’ll change. Let’s cross our fingers. Instead of rewarding the few who never bought, let’s extend that tax break to everyone.

Of course, if you don’t have good credit to qualify for the new standards for credit scores needed to qualify for a mortgage, none of this news is good. But…

You can restore your credit.

I♥CR

ABC News: “Sneaky Credit Repair Pitches”

I’m not defending these creeps who pulled unsuspecting people into their “real estate” seminars and pitched them credit repair. Yes, they were probably rip-offs, asking for up-front huge fees to get people to sign up (illegal) and then promising improved credit (illegal).

But how can you say this: “The FTC says it has never seen a legitimate credit repair company…”

WTF? Seriously Elizabeth? What kind of research are you doing into “credit repair”. I know exactly what you’re doing. You’re looking up the FTC credit repair page, reading it, and then writing your story.

If the FTC has never seen a legitimate credit repair company, then they’d crack down on all of them, right? They’d nail any one who said they were legitimate, right? Then explain this: Lexington Law results

Please, explain how a company has been operating for over 18 years (since 1991) helped over 600,000 people and removed more than 4 million items (since 2002 alone). And the FTC just happened to “miss” them.

Explain that, Elizabeth. Then stop praying on *people’s fears* and calling it “reporting”. Just stick with the facts and ABC News will be a little more respectable.

I♥CR

The Good:

New credit card laws affect changes for everyone.

• More transparent about their charges
• Easier to understand terms and statements
• More costly (making it just about inaccesible for low income families)
• Limited interest rate hikes
• “Reasonable amount of time” to pay bill – which means about 21 days after the due date.
• Limited over-the-limit fees – if you don’t “opt-in” then your transactions will simply be rejected.
• Single-cycle billing. Only charges in the current cycle can accrue interest rates.
• Limited fees on pre-paid card setups. Again, looking out for the little guy.
• Minimum payment disclosures. No, not every understands how long it really takes to pay off a credit card if you only pay the minimum every month.

The Bad:

• Credit card companies will probably reestablish annual fees to make up costs.
• Reducing “rewards” – to make up costs, companies will reduce what.
• Companies will require charges to be paid every month instead of letting them slide.

The Ugly:

• In the limited time before this new law takes place, credit card companies are already jacking up their rates to unheard-of levels. Surprised? Remember, we are dealing with for-profit institutions that have their stockholders on priority one, not you, the consumer. Read this fantastic CNN article for further, ugly details.

Remember, even though we live in a world where credit is a necessary evil, you just have to no a few rules to stay ahead of their game. And in this case, the rule is: keep balances low, so they can’t control you through interest rates.

ILCR