Credit Repair Discounts And Offers
Employee Discounts On Credit Repair And Credit Help
Lexington Law is a consumer advocacy law firm and a trusted leader in the credit repair industry. They have helped hundreds of thousands of Americans work to improve their credit by working to ensure that client credit reports are fair, accurate and substantiated.
Lexington Law has helped clients to see the removal of over 7 Million negative items from their credit reports in 2014. Call us to see what we can do to help you with your score
Have you recently entered any sensitive information online?
It is important to protect your identity.
With Identity IQ, you can:
- View your credit reports and scores from all 3 bureaus to ensure accuracy
- Monitor your credit for inaccuracies and fix them
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- Have a Fraud Restoration Team ready to work for you if needed
Your credit rating is not something you should ignore. If you have paid credit card payments late, fallen behind on a car payment or have medical bills you have not paid, your credit may have been damaged. Ignoring the issue will not make it go away and you could be denied insurance, a loan, a credit card or even a job.
How to Know You Need Credit Repair
There are some signs that you may need to repair your credit. If you have applied for a credit card and been denied, it is possible your credit needs some work. A credit card company is required to send you a notice telling you why you were denied and if the letter states information in your credit report was the reason, you may want to take steps to correct the problem. If you have opened a utility account in someone else’s name because you can’t open one in your own, you probably need to look into credit repair companies. Avoiding the phone because debt collectors are calling or having family refuse to co-sign a loan for you are also signs your credit needs to be repaired.
Repairing Your Credit
It is possible to repair your credit on your own. The first step is to get a copy of your credit report. You are entitled under federal law to get one free credit report per year. If you have been denied credit, even if you have gotten a free credit report within the year, you are entitled to another if you are denied a loan. If there are errors on your report, you can dispute them with the credit company. Although you can do that online, it is recommended you send documentation via certified mail which can get expensive and is not exactly easy credit repair. It could take several letters to creditors and credit reporting agencies to get a response or get them to take action. If you are in need of quick credit repair, you may want to consider another option.
More About Credit Repair
Affordable Credit Repair
Instead of spending time sending online disputes or driving to the post office to send certified letters, consider using a credit repair company. Credit repair companies will do all of the work for you. They can file disputes, reach out to creditors and help you increase your credit rating. Keep in mind that creditors do not have to remove information that is valid. If you missed a few car payments, the loan company does not have to remove the negative comments. However, if you have documentation you never missed a payment, they can be forced to remove the information.
Working with Creditors
Another thing credit repair companies may be able to help you with is dealing with creditors. This is especially true if you have older accounts that are lowering your score. Affordable credit repair organizations may be able to arrange for a settlement or payment plan in exchange for removal of the negative item. Although you may be able to do this on your own, if you need quick credit repair, working with a company that specializes in repairing credit might help the process move more quickly.
EmployeeandMemberDiscounts.com offers many different easy credit repair discount options. If you need to improve your credit, you can sign up for EmployeeandMemberDiscounts.com at any time and there is never a fee. If you operate an organization or company, contact us today to learn how we can create a discount program that your members or employees will actually use, including easy credit repair. You can give us a call or fill out the easy online form to learn more.