2019: the year of credit repair
Thank you Lexington Law Firm for sponsoring this post. A high service partner and consumer advocate that will help you fight for the credit you deserve!
2017 and 2018 were pretty hard years for our family financially. Between moving, loss of income, and relying too heavily on credit cards, we incurred a lot of debt and also hurt our credit score in the process. For a long time I just couldn’t face the reality of our financial situation, and I also was paralyzed by feeling lost in the whole process of just starting to tackle our debt and credit, and so I just kept putting it off. Come January 2019 I decided to finally give our finances and credit the attention they deserved, and have started making strides to repair our situation.
Credit can feel like a mysterious and arbitrary number, based on a bunch of stuff that doesn’t seem all that clear. I know I made a bunch of mistakes even in the couple months of starting to fix our credit (pro tip: don’t cancel your 10 year old credit card even if you’re trying to get rid of credit cards. The age of your credit matters to your credit score! I cancelled mine just wanting to get rid of unnecessary credit cards that I’d paid off and now my credit age is only a couple years. boo!).
Having someone who knows what the heck they’re doing to help you make a plan (and avoid mistakes like mine), can be incredibly helpful and take the stress out of a process that can be really anxiety ridden. While a late payment or a bad mark from a creditor might not seem important, it can have long-term effects on your credit, and can stay on your report for years! What’s nice is that, since fixing your credit is such an important goal for many people, a whole industry has sprung up to help those of us navigate the murky waters of credit repair. Tons of fact vs. fiction information is now available to help educate those of us about the credit errors that can be fixed!
Lexington Law Firm is one of those companies, using the power of the legal experience and technology to help folks like you and me fix our credit. I don’t know about you, but having a team of lawyers helping me fight bad credit with legal experience sounds pretty dang awesome. Or at least waaaay better than me stumbling around trying to google my way to fixing my credit.
Since Lexington Law Firm has long-standing relationships with Equifax, Experian, and TransUnion, they’ve got the relationships, and experience in knowing exactly how getting credit errors removed works. So what seems a little like a murky mystery to me is plain as day to them. Look, I’m as hardcore DIY as you can get, but as I’ve gotten older, I’ve started to realize that it’s just going to be worth the money to outsource the stuff that I’m not great at (even if I know I can figure it out eventually). Knowing that there are options out there like Lexington Law Firm to outsource the confusing part of repairing bad credit is super helpful. So if you’re like me and making 2019 the year to tackle credit and finances ( *wince *) check ‘em out and see if you could use some outsourcing to help you get on track to great credit so you can buy that house you’ve been stalking on Zillow. Oh wait, is that just me? whoops.
