Credit Repair Law Firms are Scams
There are hundreds of law firms out there that specialize in Credit Repair. I may get sued for writing this, but it’s my opinion that credit repair law firms like Lexington Law are scams. Here’s why:
Problem #1: Ridiculous Monthly Charges
Lexington currently charges a $99 setup fee and anywhere from $39 to $79 every month that they work on your file. Since they charge monthly, the longer they take for repairing the credit, the more money they make. In fact, some credit law firms tell you that it could take a year, two years, or even three years ($567 to $2,000), which is why they’re getting very rich.
Why pay $2,000 or even $500, when there are excellent credit repair programs available for less than $100?
Problem #2: You Do Most of the Work
Here’s a dirty little secret that credit law firms don’t want you to know: you still have to do most of the work yourself–more work, in fact, than when you use credit repair software (more about that later).
In addition to all the paperwork you have to fill out and get notarized, you must request your own credit reports. Since the credit bureaus mail all documents to you, you will be constantly copying them, putting them into another envelope, and sending them to the law firm. You might have to do this five or six times every week.
The credit repair law firm will then scan your credit reports and post them on the web (security issues?) Then, believe it or not, even with all the money you’re paying to the law firm, you still have to go to their website and choose for yourself which items you want to dispute and even how to challenge each negative credit item.
All the law firm does is print out form letters that they send to the credit bureaus. Doesn’t it make you a little uncomfortable knowing that the longer they take, the more money they make?
Problem #3: Crappy Guarantee
All they have to do is remove one credit card inquiry and they consider that they’ve done their job, so there’s no money back even if 99% of your credit report is still negative after three years and $2,000.
As you can see, these law firms are often nothing more than letter-printing factories that make more money the longer they take. So why pay so much money to get such little service? Especially since it’s possible to accomplish the same goal with much less work at a fraction of the cost.
There is a better alternative to using credit repair law firms like Lexington Law. The best credit solution we’ve discovered so far is the magic of using our Credit Repair Software. At only $97, it’s the fastest and most cost-effective credit solution we’ve ever found. Don’t waste your time with useless e-books or ridiculously overpriced monthly services. Download the best Credit Repair Software anywhere
Credit Repair Software Is The Best Solution to Fix Your Credit
There are four ways to fix your credit, and here they are, from worst to best:
Worst: Credit Repair Services
It’s tempting to simply pay a company to “do the work for you,” but all credit repair services (that includes law firms) have two dirty little secrets they don’t want you to know.
First, because they charge monthly for their service, they make more money–up to $2,000– if they deliberately drag out the process, which is why they often take two or three years.
Second, you actually wind up doing MORE work than if you did it yourself. In addition to dozens of forms, repairing the credit requires YOU to personally choose which items to dispute, how to dispute them, and you have to constantly send them information that the credit bureaus send you.
Better: Follow Instructions From The Credit Bureaus.
This is like the wolf instructing the sheep. The credit bureaus are NOT your friends. This approach costs nothing, but you get what you pay for. Don’t do it.
Better Still: Do-It-Yourself Programs (Typically A Printed Book, An E-Book, Or An Audio Program).
There are hundreds of these programs available, but they’re out of date. If you are very organized and have lots of free time available, the process these books describe will work fairly well. . . eventually.
Best: Credit Repair Software
There are several companies that offer credit repair software (not just an e-book). Although some are rip-offs (clue: unprofessional-looking websites), many software products combine the best of all worlds: simplicity, low price, and fast results.
Better quality credit software ranges from $97 to $1,000 or more, but there’s no reason to spend the higher amounts. Look for satisfaction guarantees and a professional-looking website. The Credit Repair Software
Did you hear how banks are now cutting limits, and canceling credit cards without notice?
It is true! According to CBS, CNBC, and other major news sources, your bank may be ready to cut your credit limits by up to 50% – and even cancel your cards without even letting you know about it.
It’s already happening to thousands of people all across the country.
But after hearing about it, one consumer advocate who worked inside the credit industry, is now showing people how to FIGHT BACK against these unfair practices.
He recently released a short video online, and the clip went viral. You can see his warning and a simple solution for keeping yourself and your family from becoming victims here:
👉 Expert warns: “Do THIS now before your bank cuts your credit limits”
What these banks and credit card companies are doing is only plain wrong. Especially In a time when most people need as big of a ‘safety net’ as possible.
I am not sure how long this eye-opening video will stay online – it may even be gone by the time you get there. But if it is still up, I’d watch every second if I were you.
Expert Reveals: “It’s like Rocket Fuel for your credit score” your financial life may depend on THIS (1) thing… weird 5-min credit trick boosts your scores fast
An expert from the credit industry just revealed something shocking about credit scores in a video that just leaked online…
And the clip… has gone viral:
Because, in it he reveals the secret to getting 720+ credit scores, almost effortlessly… It’s like nothing you’ve ever seen before…
If you feel like you have tried everything, but nothing seems to work to get the credit scores you deserve…
This unusual credit ‘loophole …could be exactly what you have been searching for.
Score Danger, Credit Killers
Credit in Crisis? Do this 5min score trick right away
If your credit score is less than 700, then you need to see this right away:
Because bad credit is no better than being slapped with a ball and chain your entire life. And with what is happening in the world around us, unless you take action right now… by the time you do… It will be too late.
But you still have time to save yourself, your family… and… your future.
Money Shock, Money Cliff, Low Scores
On the edge of a money cliff – (will you fall off?) what is really going on behind the scenes (your scores even lower?). Most dangerous money game ever played (how not to lose)
Your financial future is in grave danger…
Because these recent events we have seen happening on the news, were only the first dominos to fall… in an EXCEPTIONALLY long chain.
Experts are saying the recession we’re facing could be worse than even the Great Depression which lasted for the entire 1930’s…
But you can do something about it… before it is too late… So, you, and your family don’t wind up becoming a victim of this crisis… One that is shaping up to be:
WORSE than the 2008 financial crisis…
WORSE than the market crash of 1987…
And even WORSE than what happened after 9/11…
And the only thing that can save you this time…Is knowing how to stop it…
5 Minute Score Trick, Score Booster, Low Scores, Lost Money
This simple 5-minute trick raises your credit scores…dirty little credit score loophole…
this 5-min “lost money” trick can save you thousands per year
Did you know that your credit score could be costing you thousands of dollars a year?
It is true! If your scores are below 720, you are almost definitely paying $1,000, $5,000… even $14,000 more than you should be each year – in interest and fees…
But there is one thing you can do that takes only 5 minutes of your day… and can help you put almost all of that “lost” money back in your pocket – instead of giving it away to these billion-dollar banks and credit card Co’s…
Because after this controversial clip was released, it caused an uproar. Out of nowhere, the expert being interviewed reveals a brand-new way of dramatically improving your credit scores…
I could not believe it myself until I saw how it is already helping over 502,364 people change their financial lives forever.