Fix Credit Fast: What it will really cost?

Now that you have taken the first step - figuring out roughly where you stand on credit repair landscape- it's time to dig a little deeper into the financial equation

Let me be very clear, I am a Lexington law client myself, I found out that if your credit score is below 680, you are labeled as a bad credit person. These people looking for fast credit repair solutions never:

• Pay their bills on time. they have many late payments on their FICO score report
• If they have over due credit card statements, they do not bring them up to current or make arrangements with the credit to either settle the debt for less or write a letter to them saying here is what they can afford
• They will not consult with a credit score professional or a legitimate credit repair specialist when they have experienced unfortuate events such as getting laid off, divorce or sudden illness where they had to pay a $2,000 hospital bill. Unfortuately they are so collapsed they think every one is out to get them. 
  That the cheapest option to repair their credit is the do it yourself method. And that all credit repair companies are a scam artist.
• They can not honestly assess their commitment to improve your credit score in a healthy way.
• They let the late payment reports keep accumulating by avoiding to deal with the whole situation all together
• They are not aware that by just increasing their credit report score by 30 to 45 points they can ease their financial burden. You don' need to hire a Lexington Law to raise improve their credit situation. Just by making a simple to do list of what bills can be paid on time can help you acheive this

10 Things That Would Make Your Spouse Happier

If you have a partner with a FICO of 715 who pays all his or her bills on time as they become due, expect to have their FICO score go up to 735. It's no exaggeration to say that a powerful momentum now exist. And although you see headlines every where Divorce rates sky rocket as more and more people get laid off, this does not have to be your out come. In this time of rapid change where it is so easy for your disappointed partner to find a date with someone with a higher median credit score, I am here to help you focus on achieving your dreams of keeping your marriage intact and at the same time improve your FICO score especially if it is hovering somewhere below 600. Here are some tips below to make you happier.

Tips To Improving your payment history

1. Have a mixed credit profile: apply for credit cards, revolving credit, loans with fixed rates. Also helps to keep your house permanently clean. If you are the husband, don't just wash your car and leave all the cleaning to your wife. Help her out this will gain you lots of points.
2. If you have past credit problems, don't charge up to your maximum credit limit to buy her or him toys, flowers, clothes, chocolates. Instead take the kids out for a hike and give your wife some time alone. She would appreciate that much more than you adding more burden to yourself.
3. Don’t close out unused accounts if you have applied for credit cards you are not using.
4. Put more romance in your life, keep your debt as low as you can. This is really sexy believe it or not. In a recent survey, married women were asked if they would choose a sexy young male model who they had to support financially compared to an average looking guy who is actually taking action and steps to prevent their own FICO score down from going down. Which man would they find sexier? 72% of women opted for the average looking guy.
5. If your paying the highest interest rate, most likely your FICO score is below 620. Improve your sex life by paying off your credit card balances. If you are looking for best loan term then another reason to pay off your credit card balance is it will lower your score. Credit will be something you can obtain just by taking a few of these tips and turning it into real action. Even if it means taking on a part time job or working at home and starting a home based business. The sacrifice you make will improve your sex life. Men who were laid off and did nothing but putz around the house actually turned off their wives. In fact, their wives started fantasizing having sex with men that had a FICO score higher than 720. Just by paying your bills when they become due will help you.
6. Feeling successful, feeling hopeful and making positive changes in your life by not relying on credit reporting software, eliminating your debt which in turn will help you get a higher credit-limit are some of the best self esteem booster you can have.
7. Saying no more if you are a women
8. A Great body
9. Having a personal assistant if you are a man
10. A better sex life

Your Key To Happiness

Rather my key to happiness. Ever since I hired Lexington Law to remove: charge-offs, late payments, judgments and even a bankruptcy, my transunion credit score improved by 80 points in just the last 9 months. Not only has my sex life improved with my partner because she sees me taking action every day to improve my situation, but my credit rating is improving everyday. While for some Lexington law can be expensive but they are best option for me since I have a part time job which does not allow me to do it myself.

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