воскресенье, 6 ноября 2016 г.

Click Here to Start Repairing Your Credit Right Now!

Click Here to Start Repairing Your Credit Right Now!

Click Here to Start Repairing Your Credit Right Now!

How does a bankruptcy affect your credit score?

Having a bankruptcy on your credit report can be devastating to your credit scores. According to FICO, for a person with a credit score of 680, a bankruptcy on your credit report will lower your score by 130-150 points. For a person with a score of 780, a bankruptcy will cost you 220-240 points.

How long does a bankruptcy stay on your credit report?

A chapter 7 bankruptcy remains on your credit report for 10 years. A chapter 13 bankruptcy remains on your credit report for 7 years. However, contrary to popular belief, bankruptcies can be removed from your credit report and you can get credit after a bankruptcy. You do NOT have to wait up to 7 to 10 years before being able to get a mortgage, car loan or any other type of credit again.

How can I rebuild my credit after bankruptcy?

The most important thing you can do to rebuild your credit after a bankruptcy is get it removed from your credit report. Equally is learning and changing your personal finance habits so that it doesn’t happen again.

Can a bankruptcy be removed from your credit report?

The credit bureaus have active campaigns online to make you think that it’s not possible. They pretend to be helpful, but they have ulterior motives. They don’t say it outright, but the way they word their interpretation of the FCRA makes people think that it can’t be done. The worst thing about that is that a lot of the top credit sites parrot the information which makes for a lot of misinformation online. However, as you will see below, bankruptcies absolutely can be removed from your credit report.

Removing a bankruptcy requires filing separate disputes with all three credit bureaus. Because of the way the credit bureaus work, you have to word your disputes carefully in order to avoid having your dispute deemed “frivolous”. While the FCRA offers protections for consumers, credit bureaus have the right to ignore anyone that they feel is abusing the law. Credit repair companies are experts at disputing negative items on your credit reports. They specialize in getting bankruptcies deleted from your credit report. They can also removed the accounts “included in bankruptcy” like charge offs and collections. Read my story below to see how I got my bankruptcy deleted.

How I Got Bad Credit

A few years ago, the company I worked for went out of business. It took me quite awhile to find a new job. The bills just kept piling up. It got to the point that I was no longer able to make my payments, not even the minimums. All of my credit card accounts were charged-off and sent to collection agencies.

My life became a nightmare of collection calls and endless harassment from debt collectors. It was a tough decision for me, but I decided to file bankruptcy. Although the bankruptcy had relieved me of the debt, the damage to my credit was already done.

Fixing Credit After Bankruptcy

It’s not what happens to you, but how you react to it that matters. – Epictetus

I knew I had to do something about my credit. I wasn’t just going to sit there and wait for 7 to 10 years until the bad credit fell off of my report. I tried to apply for new loans to show them that I was credit worthy, but every single bank denied me. Getting turned down for loans over and over was frustrating and embarrassing.

A friend told me about Lexington Law Firm and was ranting and raving about how awesome they were. I was skeptical at first, but after seeing what they did for him, I knew I had to give them a try.

Lexington Law Changed My Life

I called 800-220-0084 and was connected to a credit expert who was very friendly and understanding. She was also exceptionally knowledgeable. I asked her many questions about the negative items on my credit report and told her about my situation. After about 10 minutes of talking with her, I decided to sign up. About 3 weeks later, I started receiving letters from the credit bureaus informing me that negative accounts had been removed from my credit reports! (See below.)

Bankruptcy Removed from My Equifax Credit Report:

Bankruptcy Removed from My TransUnion Credit Report:

You have no idea how grateful I am that I found Lexington Law. I was finally able to purchase my first home at a great interest rate. I am now able to get any loan or credit card that I desire. With the negative accounts off of my credit report, my credit scores have improved significantly. Here’s a picture of my credit scores:

Click Here to Start Repairing Your Credit Right Now!

What Other Clients Are Saying

“I have to admit I was a little skeptical at first, but after seeing what you were able to do with my credit after only a few months, it is very reassuring. Thank you for everything that you are doing for me and please pass on to your staff my appreciation for all of their hard work.”

– T.B., Lexington client

“Thanks for the excellent services you have provided. I would sincerely say that your organization conducted business in the utmost professional manner. I am extremely pleased with the way you worked things out for me. Thanks for the wonderful service. You and your team have a great year ahead!”

– B.P., Lexington client

You can read hundreds of client testimonials and even watch some very inspirational client video testimonials here.

Discount for Family Members, Couples, and Active Military!

Lexington Law is now offering $50 off the initial set-up fee when you and your spouse or family members sign up together. The one-time $50.00 discount will be automatically applied to both you and your spouse’s first payment.

Active military members also qualify for a one-time $50 discount off the initial fee.

Remove Your Bankruptcy Now!

If you’re sick of having bad credit, let the professionals at Lexington Law Firm take care of it for you. They can delete all kinds of negative items from your credit reports, including: bankruptcies, foreclosures, repossessions, charge offs, judgments, tax liens, collections, late payments and more.

Get Your Bankruptcy Removed Now!

Visit Lexington Law

or Call 800-220-0084 for a FREE Consultation!

Original article and pictures take http://aaacreditguide.com/bankruptcy-on-your-credit-report/ site

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