Negative items can damage your credit for 10 years

Negative items on your credit report can stay on record for a decade! Here is how long you should expect negative items to plague your credit report, if you do not take action to legally remove them:





How to legally remove negative items from your credit report

Thankfully, the power of changing your credit report lies in your hands. By taking action now, you can legally remove negative items from your credit report, significantly raising your overall credit score, both in the short-term and long-term.

Whether you have collections, account charge offs, late payments, or other negative items on your credit report, you can take action to remove these dark marks. Although you may not be able to remove every single negative item, you can take advantage of loopholes that open the doors to how to legally remove negative items from your credit report.

By law, the credit agencies must allow you to challenge the reporting on your credit that is erroneous. Considering that credit reports and credit scores are consistently in a state of flux, you do have negotiating room when it comes to legally removing negative items.

The legal loophole essentially stems from the American justice belief that you are “innocent until proven guilty.” Therefore, if a negative item is disputed, and the creditor cannot present evidence within 30 days, then it is wiped off your credit report – typically raising your credit score by double-digits.

Considering the major corporations are inundated by millions of accounts, their cost-efficiency model may consider that “proving” your negative item is not worthwhile. Or, on the other hand, if the companies do respond, their staff is typically overworked, and many requests simply fall through the 30-day limitation. Subsequently, by properly initiating disputes, you can legally remove negative items from your credit report.

DIY credit repair vs. professional legal experts

Many people wonder how they can remove negative items from their credit report, on their own. Indeed, it is certainly possible to send in your disputes in writing to the agencies regarding negative items. Understanding how to remove negative items from your credit report is not difficult – but actually removing those negative marks is the challenge.

Will you know how to respond if the credit bureaus decline investigating your report? Or, how will you proceed if a lender “verifies” a negative item that is incorrect? The world of credit reporting is complicated and gray, but by hiring a professional law firm, such as Lexington Law, your credit becomes a black and white situation. Empowered by expertise in credit law, the legal experts at Lexington Law understand exactly how to legally remove negative items from your credit report – and they cross any hurdles along the way with ease, such as a legal debt validation counter request.

Financial benefits from removing negative items from your credit report

More than 30% of your credit is composed of your debt – and if you have negative items, your credit score may be 30% less than it could be. Therefore, your 525 score could be 700, if you take the effort to legally remove negative items from your credit report.

When you employ the low-cost legal experts from Lexington Law, you can immediately reap the benefits of an improved credit score. Removing negative items will instantly boost your credit score, and in the long run, this allows your score to reach its maximum potential.

With a better credit score, you obtain lower interest rates, which can save you tens of thousands of dollars on loans. In addition, you increase the attractiveness of your candidacy to your future employers. Therefore, from both financial and professional stand points, you deserve to have a maximum credit score. Your credit score will not only impact how much money you save, but even the career that you have and where you live. Couple these tremendous influences with Lexington Law low monthly fee of $39, and the choice is clear. Hiring professional lawyers to remove negative items from your credit report is an excellent investment in your financial and professional future.