Credit Attorney and Credit Lawyers - How To Hire The Best

The Best Credit Attorneys or Credit Lawyers

If you are looking into hiring a credit attorney and expect to pay an arm and leg, think again!

By doing just a bit of research and using common sense, you can find an expert credit repair attorney at a very affordable rate.

You Don't Need to Lose All Your Money to a Credit Lawyer

Credit lawyers typically demand very high fees for their services. It may be for good reason. Lawyers are often saddled with huge responsibility, and have the ability to help you achieve remarkable results by way of legal intervention.

Plus, when you add the cost of law school loans, office expenses, secretaries, paralegals, etc., it is not all that surprising to pay thousands of dollars to secure good legal representation.

However, when it comes to credit correction - also known as "credit repair" or "credit report repair", - you don't have to lose your shirt! There are many affordable credit repair attorney options. However, we want to provide you with two cautionary tips to remember when researching credit repair companies.

Remember:

1. Although you can expect to pay a retainer fee, avoid any credit attorneys who demand thousands of dollars up front! (a retainer fee is a fee you pay up front to secure future representation)

2. Watch out for attorneys who demand an hourly rate for credit correction. Often, rates can range from $200-500 an hour. Although it may be worth it, you can expect to get a bill for phone calls, email, letters, which all add up to a very large bill!

Again, it may be worth it, but don't you prefer to know exactly how much your monthly fee is?

While the above options seem scary, there is another alternative. Some credit law firms, such as Lexington Law, charge you a low monthly rate and allow you to cancel any time you see fit.

Do I Need Credit Lawyers - Can I Just Hire a Lay Person?

You probably already discovered that a credit repair attorney can involve the same level of investment - if not less! - than a credit repair non-lawyer company. The benefits of having an attorney who specializes in credit correction over a lay person may be obvious. However, below we list just a few of the major reasons why you need a REAL lawyer in your corner:

Credit attorneys actually carry out the process of removing questionable negative marks from all three credit reports. Once negative items are deleted you can expect to see an increase in your creidt score. By working with a credit law firm that has experience, who knows credit laws inside and out, you can expect to see optimal results with a minimum time investment.
Credit lawyers know the ins-and-outs of credit repair, and often have networking relationships with credit agencies and bureau employees. A credit attorney is familiar with how to employ an arsenal credit laws (FDCPA, FCRA, FCBA, etc.) and how best to dispute a mistake or bad mark on your credit report.
Credit repair services have access to knowledge such as legal databases, specialized training, and case law. Non-lawyer credit repair companies often focus entirely on getting more customers and are completely ignorant to the ever so important developing legal precedent.
Can a non-lawyer represent you in a court of law? Nope. What will happen if, God forbid, your case escalates and requires legal intervention? A credit repair attorney is prepared to represent you in a court of law if the need arises.
Who would win a writing/negotiating contest? Just like a professional athlete, an attorney trains himself each day by developing his writing and negotating skills. These skills are absolutely essential when it comes to resolving disputes with credit bureaus and creditors in your favor.

Deleting bad credit items such as charge offs, repossession, or even late payments from your credit report can often be a frustrating process. You may want to consider hiring an affordable credit attorney who can take care of the whole process on your behalf. The Lexington Law Firm has helped over 1 million clients delete bad credit. Improve your financial future today!

You can learn more with a FREE CREDIT CONSULTATION by calling 1-800-232-2903 or just visit www.LexingtonLaw - click here.

"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 judgements 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 you can 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!