Welcome to Credit Coach. Helping clients reach their credit score goals often requires more than just disputing their questionable listings in their credit reports. To assist in that effort, our most comprehensive level of service, Concord Premier affords additional benefits specifically designed to improve, monitor, and protect their credit scores.

Giving clients more tools to take on and improve their credit situation. As you know, each service level benefits focus upon a particular portion of the conversation that constantly takes place between the creditors, credit bureaus, and our clients. The first service level, Lexington Regular focuses upon the credit bureaus. The second level, the Concord Standard upgrade adds tactical methods that focus upon the creditors. Finally, Concord Premier, Lexington’s top level of service, focuses upon on how clients can directly and powerfully affect their credit scores.

Concord Premier contains the following elements:

1 – A Monthly Credit Score Improvement Analysis. Each month we evaluate our clients credits reports in accordance with the 5 main factors known to significantly impact credit scoring.

2. ReportWatch: Whenever we detect changes within a client’s credit reports, which may positively or negatively impact their credit scores, a ReportWatch alert is sent.

3. InquiryAssist: A tool to address problematic credit report inquiries. And finally,

4. Identity Theft Insurance: To help protect the credit our client’s are investing in, a $25,000 identity theft insurance policy is provided at no additional cost.

The CREDIT SCORE IMPROVEMENT ANALYSIS is a highly customized , multi-page analysis which is provided to help consumers increase their scores. These Credit Score Improvement Analyses focus upon clients’ borrowing and repayment patterns and provide clients with targeted counsel which is intended to positively impact their credit scores.

With REPORT WATCH, whenever we detect changes within their credit reports which may positively or negatively impact their credit scores, these customized  alerts are quickly dispatched via email.

In these emails, the law firm provides tips on how to make the best use of the crucial changes inside a client’s credit report. There are currently 19 customized alerts that a client may receive outlining how their credit scores may have been impacted.

The Alerts provide additional ideas on how to build positive credit, deal with stubborn negative listings, lower utilization ratios and handle specific credit report tradelines which may be the most damaging.

We often hear “Do ReportWatch alerts notify you in real-time to credit report changes?” The answer is no. Our Report Watch service provides something more in-depth than basic credit monitoring: We provide a comparative analysis between various reports from each of the three bureaus as we receive them.

As you know, credit report inquiries can wreak havoc on a credit report and INQUIRYASSIST was created for that very reason. InquiryAssist provides firm-prepared letters, customized for each questionable inquiry that a client designates. These letters can then be easily printed and mailed at their discretion.

The Fair Credit Reporting Act regulates who has permissible purpose to acquire consumers’ credit reports. This Act provides you consumers with certain rights about who can place inquiries on their credit reports. If clients ascertain that one or more of their inquiries are questionable, and do not belong on their credit report, they have the right to investigate the inquiries with their creditors and the credit bureaus.

InquiryAssist also provides coaching on how to contact the credit bureaus and discuss damaging inquiries via telephone. This two-step method is often helpful in removing nagging credit report inquiries.

As you can see, our Concord Premier level of service is extremely powerful in confronting all aspects of a consumer’s credit score. Premier contains all of the credit repair tactics included in each service level and directs specific techniques to credit bureaus, to creditors, and to the clients themselves for enduring credit score improvement.

Congratulations on joining the credit conversation on behalf of your clients and being a powerful part of changing Americans’ creditworthiness. I’m Gavin, the Credit Coach.

Visit Lexington Law.com and see how they can help you.

Is credit report repair legitimate? Let me tell you: It depends who you go to! You can find illegitimate credit report repair. People who will do terrible things; will tell you to get a new identity, to hide, to not pay your bills, to get a tax identity number, and so forth – use it as a social security number – you’ll go to jail, so don’t do that. There are hundreds of ways that people can be guided wrongly. That’s not the kind of advice you’ll get when you go to a law firm.

The Fair Credit Reporting Act, The Fair Credit Billing Act, The Fair Debt Collections Practices Act, The Truth in Lending Act – These exist for a reason. These aren’t just words in a book somewhere. All of the federal statutes can be brought to bare, to help you, and me, and anyone else, improve their credit rating, so their lives can be better.

Here’s how the consumer credit game works. There are three consumer reporting agencies: Equifax, Experian and TransUnion. But guess what? They’re not official. The government didn’t “bless” them. These are for-profit, privately owned… I think one of them, if not two, are publicly traded. Even they’re owned by their stockholders. These are companies that buy and sell our information for profit. And the only laws that are applicable to these agencies – so called – are laws that protect consumers. Those are our consumer protection statues. And they work to place limits on the credit bureaus.

So, for example, the next time a creditor tells you, “I’m sorry, we can’t take that off your report. It has to stay their for seven years, by law.” They’re either terribly misinformed, or they’re lying. Because the Fair Credit Reporting Act places limits on the amount of time something must be report, but it doesn’t stipulate that something must be reported. At all.

You know, any of us could start our own credit bureau tomorrow, and try to collect information on our neighbors, and try to sell it to our other neighbors. And that’s legal. But, there are consumer protections statues that place limits on that kind of activity. The thing you need to know, and speaking as a psychologist, I can tell you: The essence of depression is believing, the way things have been, always will be. People who are depressed always believe that there’s just no way out – nothing will change, they’re doomed.

That’s not true, number one, generally in life. But it’s certainly not true when it comes to your credit rating, for goodness sakes.

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.

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.

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Stage 1: Forward your credit reports.

You will begin by forwarding your credit reports that you have obtained from three major credit bureaus. Lexington Law also make it easy to get your electronic copies through their great client site. With each cycle, you should receive updated reports that you’ll forward to Lexington Law.

Stage 2: Choose your questionable negative items.

The Lex staff enters the information into the client database once they are received. Using Case Valet, you are guided step-by-step through your negative items to fins which items are questionable, and how you will challenge them.

Stage 3: Lexington does the work.

We begin the dispute directly with the credit bureaus by using the years of experience and knowledge from hundreds of thousands of credit repair cases. (Clients who have selected an upgraded level of service will receive additional legal interventions.)

Stage 4: Keep Lex updates.

After the time allowed by law, the credit bureaus must inform you of their results and send you a copy of your updated report. It usually takes 60 days from the day we send a dispute to the day you receive an updated report that you will forward to Lexington. The cycle begins anew, as we increase the pressure on the credit bureaus and creditors.

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— M.O.