When bringing up your credit score, there’s a certain process you have to follow. For one, you need to make sure that you dispute any negative information found in your credit report. If you are able to work with debt collection agencies, then you should always try to settle your debts if they are accurate. It takes time to get your credit score back up to 700s, but if you dispute items on your credit report, you’ll be able to get some of your debt removed and that will lead to a better credit score within a shorter period of time.
Most people think there’s nothing they can do change their negative credit score. However, Lexington law helps people every day to win disputes over their credit history. Most debt collection agencies charge more than you owe or even don’t have all of the right information regarding your account. It can be difficult for them to prove what you owe in the amount of time allowed by the Fair Credit Reporting Act as well. However, it’s important that you have legal counsel during this process. Most disputes need to be filed in writing. You also have to make copies and keep track of all your accounts while also understanding what information will help your case and what won’t.
If you have a poor credit score, you don’t have to wait for seven years to get an interest rate. Lexington lawyers work with consumers to bring up their credit scores in a matter of months.
