Remove a Foreclosure
A Foreclosure is a very serious item to have on your credit report. This mark will cause a great deal of damage to your credit rating.
I was devastated. I tried working with my creditors, but they made it almost impossible. Many of the credit card accounts were reported as "charge offs" to the credit bureaus without my knowledge.
To make matters, worse collection agencies got involved. They began checking my credit without my consent, which I was told hurt my credit score. There were also duplicate entries for the same accounts.
I wanted to start over, clear up the bad credit, and raise my credit score. I decided to hire professional credit repair attorneys. After reviewing many options, I chose the Lexington Law Firm.
They started the credit repair process almost immediately and cleared up four negative credit items after only 30 days! They even deleted things that I had totally given up on. I monitored my score each month and saw that my score was steadily improving.
Below is a chart demonstrating the progress I made:
I enjoyed receiving Deletion Letters in the mail each time they removed an item.
Here are some of the Deletion Letters:
Lexington Law's Credit Attorneys cleared up other negative items including a medical collection item, charge offs, and a judgment.
My Credit Score is now 707 (which is above the national average). It continues to improve every month. I actually look forward to checking my credit score.
Here is a copy of my Credit Score:
This mark will stay on your credit for 7-10 years. It will likely prevent you from being approved for any line of credit and on the rare chance approval does occur it will be at outrageous interest rates.
Realize you are not alone, there are many individuals that have foreclosures on the credit too. This does not mean you are an unworthy individual, all it does mean is that life happened. (Or that you have been taken advantage of by predatory lending)
How to Remove a Foreclosure
The first step I suggest is to dispute the foreclosure listing with the credit bureau. This is done through the dispute process, where you dispute then foreclosure directly with the credit bureau.
A "valid" dispute letter must be sent to the credit bureaus. In this letter you must explain why the foreclosure is incorrect and should be removed. Examples of reasons include; information is wrong, item is out of date, not my account, account paid in full and etc.
Then the credit bureau will conduct an investigation into the listing. They will contact the lender and verify the debt and it's accuracy. If the listing can not be verified then it must be removed from your credit report.
If you lending institution was hit hard or went under during the housing crisis you have a very good chance of having the foreclosure removed from your credit because the listing will be unverifiable.
However if your listing is verified I suggest hiring a credit repair service. They have more advanced techniques to use against a negative listing such as; debt validation, creditor direct interventions, and escalated dispute information requests.
Also a credit service will be able to do legal research to establish case precedents and if need be take your case to court. With the number of people experiencing foreclosures skyrocketing we expect some evolving credit laws and new case precedents.
"HOW I DELETED CHARGE OFFS, COLLECTIONS, AND LATE PAYMENTS & RAISED MY CREDIT SCORE 177 POINTS!"
Learn How I Improved my credit score from 530 to 707 by deleting stubborn charge offs, collection agencies, and late payments from my credit reports -
"I went through some hard financial times a little while back. I lost my job and as a result I struggled to pay my car payment and credit card bills.I was devastated. I tried working with my creditors, but they made it almost impossible. Many of the credit card accounts were reported as "charge offs" to the credit bureaus without my knowledge.
To make matters, worse collection agencies got involved. They began checking my credit without my consent, which I was told hurt my credit score. There were also duplicate entries for the same accounts.
I wanted to start over, clear up the bad credit, and raise my credit score. I decided to hire professional credit repair attorneys. After reviewing many options, I chose the Lexington Law Firm.
They started the credit repair process almost immediately and cleared up four negative credit items after only 30 days! They even deleted things that I had totally given up on. I monitored my score each month and saw that my score was steadily improving.
Below is a chart demonstrating the progress I made:
I enjoyed receiving Deletion Letters in the mail each time they removed an item.
Here are some of the Deletion Letters:
$7,411 Discover Charge Off | $1108 Credit Card Collection | 90-Day Late Payment - DELETED! 
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$1,114 Collection Agency & $606 Collection Item - DELETED
|
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$2,289 VISA Credit Card Charge-Off Deleted | 90-Day Late Payment - DELETED!
 |
Lexington Law's Credit Attorneys cleared up other negative items including a medical collection item, charge offs, and a judgment.
My Credit Score is now 707 (which is above the national average). It continues to improve every month. I actually look forward to checking my credit score.
Here is a copy of my Credit Score:
My Current Credit Score - 707!  |
I recommend the Lexington Law Firm to anyone who is shouldering the stress and frustration of bad credit. Lexington Law has experiencing deleting all types of negative credit items including judgments, foreclosure, and more.
The results really do speak for themselves. Lexington Law has helped many people repair their credit reports. In fact, according to the Lexington Law Website, they deleted more than 600,000 negative credit items including collections, foreclosure, late payments, charge offs, repossession, and bankruptcy!
