Those of you who own used Lexington Law credit repair services, how did it work out?
I'd like to know of anyone who have actually used Lexington Law credit repair and of their experience. I hold gotten mixed reviews on the company, so I'd like to hear from some actual users. Was it successful? How long did it filch? Any problems? How was their communication/customer service? Do you obtain to talk to a tangible lawyer ever?Answers: i used this company. i be with them something like six months. to tell you the truth i did not see any different on my credit report. i spoke next to a worker in the department when i signed up. i did not recieve any information in the communication , and i wasnt called to permit me know if ther were any change on my credit report. you have to hold a checking accout so that they can take it out of your acccount every month. no coummuication at adjectives with this company. i would not use this company again.
You can find more info here:
http://www.safelinked.info/jump.php?knit...
Best of luck.
They are a bunch of scammers. They charge ridiculous fees and all they do is distribute letters to the credit reporting agencies disputing everything denial as "not mine". You can dispute stuff on your credit file for free. If it's wrong, it comes sour, if it's yours, it stays.
Plus you have to pass them all your ID information - nickname, address, SSN, birthdate, and they get your credit report, which contains adjectives your credit card info. The people that work near are not very reputable - what a course to open yourself up to ID embezzlement.
Which debt to money first next to my bonus?
Ok situation is $6000.00 4.9% interest rate car loan near 1year to pay (a)$500 per month. or $20,000 credit card debt (a) 7% payments going on for $500 per month. I will recieve a 10k bonus net, do I rate off vehicle and apply extra $500 car payoff to credit cards or apply the whole 10k to the credit cards?My nouns is to pay stale the car and apply extra to the credit cards. Thoughts y'adjectives Thanks
Answers: No doubt pay rotten as much as you can on the credit cards first, they are costing you the most in interest and depending on your credit boundaries they may be hurting your score as resourcefully.
It's always best to never exceed 30% of your credit inhibit in any given month and compensate them off contained by full before the due date.
I enjoy 2 cards that I do this with and certainly make money stale of them every year.
OK sell the coup¨¦ today ,
buy cash saloon.
apply the money and bonus to credit slave cards.
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Pay of the credit card first because it have the highest interest rate.
May want to let go some so you will never be late surrounded by any card payments.
Don't cut you credit card up but put it in a undisruptive place until you get this debt beneath control. You are spending to fast. I wouldn't buy anything but food and gas to gain to work until I paid it adjectives back to the credit cards. They are making money rotten of you.
If you pay your credit cards sour each month you can spawn money off of them. I get a check yesterday from citi cards for 332 dollars for a reward. Guess it was your money. LOL Thank you!
I presume i would pay bad the car. Put whats moved out on the credit cards. Then I would Put what was the vehicle payment and any bread I could squeeze out of my budget on the cards.
Get rid of the cards. Credit cards and obsessing near the fico score brings nil but debt as you well know.
Pay as you turn. Live on less than you engender and you will have money.
How long can a credit card company chase you for outstanding arrears?
Answers: in the UK there is generally a limitation of 6 years from the time the dfault notice is served. If they have not started formal action after 6 years it is unlikely that they will be able to - only exception is arrears on a mortgage which could be up to 10 years. if credit card companies havent chased you for 6 years its tough on them.
For as long as they know how & where to get intouch w/you.
Or, untill thy sell your Debt to a Collection Agency, then THEY'LL hound you!
Unpaid Debt isn't written off as much as it used to be and Declaring B'kcy has become HARDER ( he passed a Law making it harder to Declare) thanks to bush. He's always thinking of his Big Corporate buddies!
Each state has a statute of limitations in which a company can attempt to collect an unpaid debt. Usually they will write off the debt and sell it to a collection agency who will attempt to collect the debt, sometime the same debt is transferred to several different agencies throughout it's course.
Negative information can only be reported on you credit report for 7yrs (bankruptcy for 10yrs). And the same negative info can only be reported once. So if you have the same debt showing up multiple times on your credit report (under different companies) it can be disputed. However activity on an account can sometimes restart the statute of limitations on that debt.
Any credit card companies can pursue for at least 7 years. Actually, there is no limit how long they can pursue, it is only the rule that it should be removed from the credit reporting agency. They can also kept this information forever internally. If you try to open an account with them, they do not have to grant you credit. If you did file BK, they can not pursue further if you had paid whatever the court had agreed.
If the comapny havea court judgement, it can stay on your credit report at least 10 years. If the company has refiled, it can be extended for another 10 years.
Hott Doggiez is correct.
Each state has a statue of limitations stating how long a creditor/collection agency has to sue you for the debt. This ranges from 3-10 years.
After the SoL expires, they can still attempt to collect but they cannot sue you, so they are a dog that can bark but not bite. If the SoL has passed, a simple cease and desist letter will stop the barking too.