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.