Unlike most things in life, buying a home is one of the trickier maneuvers not everyone can manage. There are many factors which must be working in sync for the spectacular dream of home ownership to become a reality.

Making the decision is the big part. Once you’re determined and willing to own a home (and stop paying someone else’s mortgage) you are will on your way. Having a good job and money for closing costs is important, but perhaps at the top of my list is the ability and knowledge to give you the very best deal possible.

Everyone knows that only the very highest credit scores get the lowest rates at the bank. We also know that your credit score is a direct reflection of your payment history on your report and a variety of other related factors, all to do with whether you’ve paid your bills on time and whether you have used or abused the credit given to you.

Altering your credit score and who’s on it is easier than you think! Far too many Americans accept what they’re given when they are old what a purchase will cost.

This hands-off acceptance may not break us when we are making smaller purchases, but at the bank, for the biggest purchase of your life, it’s unacceptable!

Think for a moment about how long you will be paying for a home, most terms are 30 years. With 12 payments every year, if you overpay by $100, that’s $36,200 over the life of your loan. This is no small amount, and yet some people unwittingly pay it because of errors, not even late payments, on their reports.

So, if you are considering a home purchase, fantastic! Now is the time to retrieve your credit reports and take action to secure the lowest possible rates possible.

Be aware that a good credit lawyer can clean up the worst reports in a bout a year. For the do-it-yourselfer, like home repairs, you can do these type also, however you go about it, even if it takes a year, take the time to reduce what you ill pay for the next thirty years. You will surely enjoy your more affordable home when you do.

"I just want to share with you my story about how my credit situation. If you are someone struggling with bad credit, then I was walking in your exact same shoes...

And today - if you look behind me - this is the house that I bought.

So, obviously my credit situation has changed.

Basically, while I was in college I ran up my credit cards and acquired a lot of unmanageable debt which destroyed my credit rating.

About a-year-and-a-half ago when I went to try to buy a house, the banks laughed at me and made me feel bad about what happened in college. (They basically implied that I was a deadbeat SCUMBAG even though it really wasn't all my fault).

I knew that I had to fix my credit, but didn't know how to do it myself so I went to Lexington Law.

Now, literally within several months, I was able to purchase a $300,000 new home without any trouble at all obtaining a mortgage.

So instead of going into banks with bad credit and being looked at as a scumbag, the banks were more than willing to help.

In fact, when I applied for my mortgage and the banker ran my credit, he came back and was saying...

"Wow! Sure thing sir. We'd love to help you out."

Lexington Law literally changed my life.

I went from being the person who has bad credit to being the person who is living in what I consider my dream home at age 29.

Some examples of the things that were on my report that are now gone were: all sorts of charge offs, collections, and I even had credit report judgments listed against me (which I heard is one of the worst things you can have on your credit.)

I had basically every kind of negative listing shy of a bankruptcy.

Lexington Law has raised my credit score at least 237 points. I just checked my FICO score which is now a 737. When I started with Lexington Law, it was below 500!"

I encourage anyone struggling with bad credit to pick up the phone and give Lexington Law a call.

 

It was super-encouraging to see my credit score improve each month as the negative items were deleted from my credit reports. I thought some of the bad credit was permanent since creditors misled me into believing that delinquent information would stay on my credit report for the next seven years.

However, through their dispute process and "goodwill interventions," Lexington Law proved it is possible to remove any questionable negative item. (it is the same as pleading 'not guilty' in a court of law).

Additionally, the paralegal assigned to my case showed me other credit rebuilding techniques such as:

• How to add up to three years of positive payment history to your credit with your regular phone or utility bills (these are things I pay each month anyway so it was a real "no-brainer)
  
• How boost your credit score by optimizing your 'Utilization Ratio' - this involves transferring balances and there is a Right Way and Wrong Way to do this
  
• How Lexington Law can erase your damaging credit inquiries (applying for credit puts a small "ding" on your credit. Inquiry Investigation helps you remove these "dings")

Deleting the negative credit items like charge offs and the credit card judgment, combined with the credit rebuilding techniques, rapidly improved my credit score. In fact, in month two my score went up 74 points!

After living with bad credit for so long, it was really encouraging to see that I was making progress in the right direction.

Not only did the attorneys at Lexington Law show me results, they also provided excellent customer service along the way. If you are someone who enjoys that "personal touch", then you may like how Lexington Law assigns a paralegal to your case.

My paralegal (Stephanie) was always available to discuss the status of my case over the phone and email. Even though I didn't expect or ask for it, my attorney would also periodically give me a call to check in.

Here are some strategies Lexington Law used to delete the really stubborn bad credit - such as the credit card judgment:

• Unlimited dispute & delete
• Goodwill interventions
• Escalated information requests
• Debt validation
• Inquiry assist

You can also access you case online anytime you like. (I enjoyed logging in just to see all the deletions!)

If you are struggling with a bad credit score because of negative credit items, then I truly hope that you start repairing your credit today. I know how humiliating bad credit is and I know how easy it is just to 'sweep it under the rug' and pretend it will go away on its own.

I realize that your situation is probably a little different than mine, however, Lexington Law has already deleted questionable charge offs, a credit card judgment, late payments, collection items, and inquiries from my credit report and raised my credit score to a 737!

Here is a shot of my credit score online last month -:

To get started repairing your credit, call Lexington Law today direct at:
1-800-232-2903 (toll-free)

www.LexingtonLaw.com

Or, if you want a Lexington Law paralegal to call you, click here.