Online applications for a bad credit loan and credit card.

What is the Main Cause of Bad Credit and Excessive Debt? Answer: Ignorance. Being ignorant does not mean you are stupid, it merely means you lack the knowledge to make wise decisions. Here are some examples:

Not knowing what's on your credit report, and not taking action to correct errors. Having a bad score goes beyond credit acceptance, it contributes to higher debt due to having to pay higher interest rates and fees, larger auto insurance premiums and can affect your chances of getting a job or a promotion.

Not knowing about the ability to lower your high interest rates, or not knowing how. With proper negotiation; and/or first cleaning your credit report, you can lower rates on auto loans, mortgages and credit cards. In many cases, simply calling and asking your creditor or lender for a lower rate will prove successful.

Not knowing how to compare car insurance rates. With a little effort you can reduce car insurance premiums such as by increasing your deductible. When you ask for quotes, be sure to bring up any special discounts you may be eligible for, like a safe driving record, multi-car insurance, home ownership, retired veteran, etc.

Bad credit - Anyone who has ever applied for a loan or credit card knows the importance of a good credit report score. Negative entries (such as late payments) or errors with inaccurate information can cause a bad credit score and prevent getting a loan to buy a car, buy a house, get a credit card or even open a bank account. And, even if approved for a credit card or loan, a bad credit score often results in having to pay higher interest rates. Review our free tips on how to improve credit scores.

Bad credit entries can stay on a credit report for seven years. Bankruptcy will also be reported from seven to 10 years. So this information has a very long-term effect on your credit.

You can recover from bad credit by taking a careful approach. Start with lower credit and loan limits, and make all payments on time.

Regardless of bad credit or no credit, give our consumer credit network a chance to serve you. Apply for a guaranteed card, short term unsecured loan, debt loan, a new auto loan or home loan, or for refinancing.

Many factors can cause a bad credit report score:

• Applying for a new credit card or loan.

• Frequently carrying over credit card balances.

• Your insurance carrier is late paying your medical bills.

• Slow mail delivery making bill payments arrive late.

• Co-signing a loan which the primary doesn't pay on time.

• Number of open accounts, including inactive accounts.

Life is much easier when you can purchase something you need or want, even when you don't cash on hand. It's also nice not having to pay more just because you are considered a high risk by loan lenders and card issuers. You want the best service at the lowest interest rate. So how do you obtain such perks?

Here are tips for bad credit repair of your FICO score:

• Don't splurge; especially at the wrong times. The bigger your total balance as a percent of your total credit limit across all your credit cards, the lower your score will be. Most credit repair advisors agree that it's best to pay off credit card balances in full each month. But don't forget the delay factor. If; for example, you want to improve your score to increase your chance of loan approval, it can take several weeks or even a few months until your credit card balance payoff is reported to the credit bureaus. To improve your score, don't charge anything for at least 60 days before applying for a loan. That way all payments you've made to date will likely be reflected in your credit score by the time a lender requests it.
   
  Bad Credit Repair Tip Recap: If you can't pay off your total balance in full each month, keep it under 30% of your total credit limit.
  
  

• Make credit payments on time. Late payments for loans and credit cards can severely lower your credit score. When you're 30 days past due and your balance is still unpaid, your credit score could take a 60 point drop. That could result in a much higher interest rate on loans you take out, and even an increase in the interest rate of your current loans and/or credit cards, as well as being rejected on new credit applications. Past late payments you have since paid off will have less and less of an impact on your credit score as time goes on. Past late payments that have since been resolved might result in a loss of 15-20 points.
   
  Bad Credit Repair Tip Recap: If you can't payoff balances in full, pay a little more than the minimum due. Set up automatic online bill payments so you'll never be late, and/or use our free bill payment reminder software.
  
  

• Get multiple good credit references. Your credit score won't be as high as it could be if you have just one credit account. Lenders like to see several active credit accounts, to further assure them you can responsibly manage multiple lines of debt; especially revolving debt such as credit cards, as well as installment debt such as a car loan or a mortgage.
   
  Bad Credit Repair Tip Recap: Consider opening another credit card account, or taking out a personal loan or a car loan.
  
  

• Maintain long track records. Old credit accounts can give you more points than new accounts. Lenders prefer borrowers who have responsibly managed accounts for years, and award more points for creditworthiness than for a new account with a track record of only a few months of perfect management. Credit accounts less than six months could actually hurt your score. Lenders also shy from people who are on a credit splurge and are applying for numerous new accounts or loans within a short period of time. Each time you apply for new credit, your score could take a small, temporary loss. But that's not the case if a broker is shopping around on your behalf to get you the best loan. In such case, if they approach multiple lenders who all pull your credit report, that will only count as one inquiry so long as they all do so within a two-week window.
   
  Bad Credit Repair Tip Recap: Avoid applying for a lot of loans and credit cards within a short time frame.
  
  

• Keep; don't close, approved credit accounts. This tip is often argued amongst advisors. Some think it's best to close unused accounts, as lenders may view those open lines of credit as potential debt, and a potential risk. But here, we will give the reason for keeping unused accounts open... Although it's tempting to close a credit card account when you balance transfer to a lower rate card, such action could lower your score. That's because your total balance stayed the same, but then your credit limit is reduced after closing the unused account.
   
  If; for example, you had two credit cards, each with $4,000 of debt and a total credit limit each of $10,000, and you transferred both of those balances (total of $8,000) to a new card with a $10,000 limit, you'll have a total credit line of $22,000.00 if you keep all three cards active. If you close the two cards that you had transferred the balances from, your line of credit will be lowered to $2,000.00.
   
  Bad Credit Repair Tip Recap: Keep unused revolving credit accounts open even after transferring debt. The higher the ratio between available credit limit and debt, the better your score can be.
  
  

• Fix credit report errors. Even if you pay all bills on time, make good income and have strong credit references, your credit report may say otherwise. Get a copy of your report, review and fix credit report errors you may have. You don't want your credit score lowered due to someone else bad payment history. Another thing to look for and consider, is how well your spouse has been using credit in your name and paying bills for you.
   
  Bad Credit Repair Tip Recap: Order a free credit report copy once a year from each of the three major credit bureaus, and make sure they're accurate. Dispute errors or any bad credit entries that are beyond the debt statute of limitations.

Free Tips on How to Fix Bad Credit

In order to fix bad credit, there are five areas you need to improve on, because these are the areas that make-up your credit score.

• Payment history. At 35 percent of your score, this section has the greatest influence. While you satisfied your collection accounts, you don't specify how many you had, what the balances were, when the delinquency occurred or the date you eventually repaid them. There is a good chance your scores are still low because of the recent, severity and frequency of those delinquencies. You did what you could to fix past damage, now let time (yes, time) work its magic. As those accounts age, they'll have less impact. In the meantime, keep paying your current accounts on time.

• Amounts owed. The debt you owe today affects 30 percent of your score, making this the next most important category. You say you've paid off your collection accounts, but this doesn't necessarily mean that you're debt free. Do you carry a student, personal or vehicle loan? Owe anything to your credit or charge accounts? If you have balances that are high and possibly nearing your credit limit, this could be the section that's keeping your score low. What to do? Concentrate on total repayment.

• Length of credit history. At 15 percent of your score, the amount of time you've had and used credit is less critical than the preceding scoring factors, but it's still worth examining. Clearly, you've been in the credit world for at least four years, but if that's it, you may just not have enough history on your side. Having a long, detailed record of your borrowing and repaying prowess will bring those numbers up. You can't make the years fly by faster, but if you've opted out of using credit, start charging again to build that credit history.

• Types of credit used. Ten percent of your score is based on the variety of accounts you have. In general, it's best to have a good, solid mix of installment loans, credit cards, charge cards and retail accounts. Why? Use them all well and you prove that you can handle the entire range of credit tools. Review your accounts and consider adding another type to the mix if you notice a gap. Mind that you don't go overboard, however. Just apply for what you need and will really use.

• New credit. The final piece of the puzzle also comprises 10 percent of a FICO score and is all about how you pursue new loans and lines of credit. It looks at such activity as the number of accounts you've recently applied for, how many you've opened and how recently you made inquires. Think back, Patricia. Did you complete the paperwork for a lot of new accounts in the recent past? If so, you may have knocked your score down a bit. Slow down and stop applying for a while.

Read our latest information about personal finance or our financial and credit articles related to bad credit and view national average interest rates. Join our online financial newsletter.

Debt

People are seeking debt advice every day as they are buried in bills. There are some tried and true methods to get out of debt, yet deciding on the one that is right, can be difficult. The most important thing is to stick with a plan and keep track of goals. Getting out of debt requires dedication once a plan is implemented.

It is so easy to become burdened with debts, yet almost impossible to escape from it when thousands of dollars are owed. Unfortunately, some may wait too long to try to tackle it. To be able to get control of it, it is necessary to understand the types of debt. Some debts are unsecured, which means the debt is not attached to a piece of property, like credit card debt. A mortgage payment is a secured debt, and if the loan is not paid, there is a risk of losing the home.

Getting control of bills needs to begin with a carefully prepared, written budget, and keeping track of every dollar. It is a guide and may need adjusting from time to time. That is ok, it helps to review it, adjust it, and, stick with what is written down.

Organize all required monthly expenses. Begin with food expenses, the mortgage payment, and utility bills. Consider looking over last years bills to get an estimate of the total expenses for the year. For example, a utility bill may be higher during hot months or cold months, and it may be necessary to set aside money to prepare. Reviewing last years income and expenses can help you discover any extra payments for insurances, taxes, etc.

Example of Expenses Listed on a Budget:

* Mortgage Payments

* Utility bills

* Phone bills

* Child Care

* Gifts, Birthdays, etc.

* Gas, auto payments, repairs

* Food, cook more, eat out less

* Money deposited into a savings account. 

The list above is an example, make your own list and write a dollar amount by each item. Consider things on the list that could be eliminated. For example, cell phone plans could be reduced or home phones may not be needed. Notice that entertainment is not on the list. By eliminating this expense, there could be more money to use to pay down bills. If it is put on the budget, make sure to set an amount that is reasonable and set limits. Entertainment expenses can take a big bite out of the monthly income. Try to do more home activities for a while.

First time budgets can be a success, and it takes time for it to become a habit and refined. It is a starting point, as many people never follow one, and later wonder how they got into debt. The more it becomes a habit, the more you know your expenses, and what you must plan to spend out of each paycheck. Keeping bills paid on time can be huge stress relief.

Target debts to pay every time a paycheck is received, spread it around to what is necessary to pay first. After some weeks, you may find your finances in better shape and feel some pride in getting debts well under control. Paying debts must become a weekly target, to make progress and get bills paid. This also helps to avoid any added expenses. Using a calendar as a reminder is a good tool to use. When getting out of debt is not working, consider a free quote from a debt counselor.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

ConsumerBadCreditGuide.com Review - ©2003 Consumerbadcreditguide.com

Getting A Checking Account While On The Chex System: The Chex System provides deposit account verification services to its financial institution members to aid them in identifying account applicants who may have a history of account mishandling (for example, people whose accounts were overdrawn and then closed by their bank). The service sounds useful, and it is for banks and financial institutions. It alerts them to cases of fraud and other abuses. Those who routinely and intentionally write bad checks should have their criminal activities recorded in Chex Systems. However, not all negative activities are examples of fraud or intentional misuse. Most of us have written at least one check that has bounced, but they make it sound like we are all criminals. Even if you had a checking account closed in the negative balance and did not pay the negative balance in time, they will have reported you to the Chex System. To top it off, we have heard stories of people reported for amounts less than fifty dollars.

Where can I dispute my Chex System report? Please submit your dispute in writing to:
Mail: Chex Systems, Inc.
7805 Hudson Road, Suite 100
Woodbury, MN 55125
Phone: By phone at 800-428-9623 or fax at 602-659-2197

They claim that you will be notified of the results within approximately 30 days and if errors are discovered and they will be rectified immediately. If the reinvestigation does not resolve your dispute, you are entitled to request a brief statement be added to your consumer file outlining the nature of your dispute. Here’s how: Send a statement to them, in writing, that clearly indicates that you want that statement to be added to your file and make sure you sign the request.

What to do if your reported to the Chex System? Do not close any other checking accounts or your savings accounts. Keep the balances in the positive

Pay all overdraft fees as soon as possible. Note: Learn about the Federal Reserve's New Overdraft Rules For Debit And ATM Transactions

Make good on the checks. Once you have paid the overdraft fees and satisfied everyone who received a bounced check, have a short explanation inserted into your Chex System file.

Finding a bank and opening a checking account while on the Chex System: Just because you are on the Chex Systems, this does not mean that you will be denied a checking account from your local bank. Sometimes this can be overlooked by the bank to open a new account if they want your business.

There are several banks On-Line that will approve checking accounts to individuals who are on the Chex System, but are limited to check cards with no check writing privileges, so we did not list them on this site. We have however, heard of some reputable banks that include Etrade Brokerage (Please Note: Only Etrade Brokerage will approve you and not Etrade Bank). This brokerage account can be used like a checking account and you can order checks. One of our staff members was just recently approved at Etrade Brokerage with a negative Chex Systems report. Please also note that our staff member did not order checks when he first applied to increase the chances of approval, however he did order a check card. A $500 minimum balance is also required.)

Next, Compass Bank claims to have a second chance program for personal checking accounts. Also, Chase has an account called Access Checking specifically for people on the Chexsystems. You don't get checks but you do get a debit card with rewards. After a year of good standing with Chase they will upgrade it into a normal account. Next, Woodforest Bank offers a checking account for customer's who might have experienced difficulties with another financial institution in the past. Please visit your local branch to determine if you qualify for this account type. There is a required opening deposit of $50.00 and a one time account set up fee of $9.00. There is a monthly service charge of $7.95 if you have direct deposit, and $9.95 if you do not. Finally, if you are looking for a business checking account and have a EIN number, you may want to try Bank Of America (Please note that a few people have recently reported getting denied by Bank Of America).

Review Disclaimer: Review information was obtained from the website, and is neither an endorsement by us nor an confirmation of content nor a warrnty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

IdentityGuard.com Review - ©2011 Intersections Inc. All Rights Reserved. 

Our tailored solutions provide the #1 rated identity theft protection service. Working together to respond to ever-increasing personal security challenges, our advanced technologies help protect what matters to you most when it comes to identity theft protection. So even in today's highly mobile, highly interactive world, you can rest assured that the entire spectrum of your private information is protected - something a simple credit report and score just can't do for you.
We offer:

* Innovative identity theft solutions trusted by the world's largest
financial institutions
* Award-winning, top-rated credit and identity monitoring products
* A personal response team, ready to assist you when you need them
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* $1 million loss reimbursement coverage* if you become a victim of
identity theft

What else can you expect from IDENTITY GUARD? Unlimited access to your credit score and public records. Ongoing credit monitoring and alerts that keep you aware of suspicious activities involving your credit and bank accounts, as well as your Social Security number. We also protect your identity and computer with anti-virus, spyware, keylogging, malware, and phishing software protection... plus a whole lot more.

here's a reason IDENTITY GUARD® TOTAL PROTECTIONSM was named PC World's #1 rated identity theft protection service. It helps to proactively protect you from identity theft before it happens through innovative credit monitoring techniques and prompt alerts that help keep you aware of certain activity on your accounts. You'll also stay on top and in control of your personal information - all easily managed by your one-of-a-kind Identity Dashboard.

Try TOTAL PROTECTION right now and you'll experience the most robust identity theft protection available - including bank account monitoring, public record reports, alerts and more. But even if you're just looking for a credit score and basic credit monitoring, we've got a solution for you.

IDENTITY GUARD® from Intersections Inc. brings you a successful track record of fighting identity theft since 1996 - applying the same 24/7 technology that the biggest names in financial services provide to their customers. In fact, our premier services have actively defended more than 32 million consumers worldwide.
Our Objective: Do the Right Thing Every Day

That goes for our customers, partners and employees, because we truly believe in our core values:

* Ethical Professionalism
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We Deliver on Those Values Through Our Guiding Principles

* Tirelessly assisting and protecting consumers and clients
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We're More than Just a Global Leader in Identity and Privacy Protection

Leading financial institutions, Fortune 100 corporations, private individuals and many others rely on Intersections Inc. and IDENTITY GUARD to provide incomparable identity theft, privacy, and consumer solutions. Focused on protecting the ever-increasing quantity of personal information that is exchanged daily in person and online, our offerings are designed to provide custom identity management solutions that address the growing threat of corporate and consumer fraud.

1-800-452-2541

Best and Cheapest Car Insurance Company	Which is the best auto insurance? Which car insurance company is the cheapest? You may be amazed when you learn the facts.
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New Jersey Democrats To Hijack Idle Gift Card Balances	Democrats of New Jersey are eye-balling the unspect balancess of their state residents' gift cards. These unused balances could be used by the state to pay its own bills.
Democrats Allow Higher Credit Card Fees	Democrats Allow Higher Credit Card Fees

Highly Personal Loan Lending	Personal loan lending is becoming literally personal as more people offer person-to-person loans even to those with bad credit.
Private Online Personal Loan	More private lenders engage in offering an online personal loan, funding bad credit people who would otherwise be denied by a bank.
Personal Loan for NonHomeOwner	Even if you have bad credit, you can get a no credit check personal loan for nonhomeowners.
Very Personal Loans	Following legislations that are restricting growth in the credit industry, many Americans; particularly bad credit people, are finding themselves without credit availability. Instead of getting approval for high interest credit cards and loans, they are instead being totally rejected because of laws that prevent creditors from offering flexible rates based upon whether the borrower is a low or a high risk.
Unsecured Personal Loan Risk	Payday personal loans are designed to offer fast cash to bad credit people on a short term basis, yet such unsecured loans can have a long term impact without timely payoff. Why these are called "High Risk Personal Loans"

Bad Credit Debt Consolidation Loan to Pay Off Credit Cards	I'm a non-homeowner and I don't qualify for a debt consolidation loan. Is there a way I can get a bad credit loan to pay off credit card debt?
Bankruptcy and Bad Credit Offers	People who filed bankruptcy or behind on bills due to lack of insurance, are raking in piles of free credit offers, including bad credit credit cards. Apply for a guaranteed credit card or instant approval loan.
Unsecured Personal Cash Loans	Payday Cash Advances are a popular and thriving financial option as a high risk, bad credit personal loan.
Credit Card Comparison Guide	Choosing a credit card right for you. Review credit card comparisons of balance transfer offers and introductory interest rates plus special rewards like no deposit or gas rebates to help you choose a good or bad credit card.
Get A New Car Loan	Getting a brand new car and a downpayment. A bad credit auto loan could save money if you're spending too much on maintenance for your old used car.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

Top Credit Unions by Assets
1. Navy Federal Federal Credit Union - Merrifield, VA. $36.4 billion in assets.
2. State Employees Credit Union - Raleigh, NC. $16.7 billion in assets.
3. Pentagon Federal Credit Union - Alexandria, VA. $13.0 billion in assets.
4. Boeing Employees Credit Union - Tukwila, WA. $8.6 billion in assets.
5. Schoolsfirst Federal Credit Union - Santa Ana, CA. $7.8 billion in assets.
6. The Golden 1 Credit Union - Sacramento, CA. $6.0 billion in assets.
7. Alliant Credit Union - Chicago, IL. $5.9 billion in assets.
8. Suncoast Schools Federal Credit Union - Tampa, FL. $5.9 billion in assets.
9. American Airlines Federal Credit Union - Ft. Worth, TX. $5.3 billion in assets.
10. Security Service Federal Credit Union - San Antonio, TX. $5.1 billion in assets.
11. America First Federal Credit Union - Ogden, UT. $4.6 billion in assets.
12. San Diego County Credit Union - San Diego, CA. $4.5 billion in assets.
13. Digital Federal Credit Union - Marlborough, MA. $4.5 billion in assets.
14. Kinecta Federal Credit Union - Manhattan Beach, CA. $4.2 billion in assets.
15. Patelco Credit Union - San Francisco, CA. $4.1 billion in assets.
16. Star One Credit Union - Sunnyvale, CA. $4.1 billion in assets.
17. Alaska USA Federal Credit Union - Anchorage, AK. $3.8 billion in assets.
18. Citizens Equity First Credit Union - Peoria, IL. $3.8 billion in assets.
19. Vystar Credit Union - Jacksonville, FL. $3.7 billion in assets.
20. ESL Federal Credit Union - Rochester, NY. $3.6 billion in assets.
21. Pennsylvania State Employees Credit Union - Harrisburg, PA. $3.3 billion in assets.
22. Wescom Central Credit Union - Pasadena, CA. $3.2 billion in assets.
23. Bethpage Federal Credit Union - Bethpage, NY. $3.2 billion in assets.
24. Desert Schools Federal Credit Union - Phoenix, AZ. $3.2 billion in assets.
25. State Farm Federal Credit Union - Bloomington, IL. $3.2 billion in assets.
26. Randolph-Brooks Federal Credit Union - Live Oak, TX. $3.1 billion in assets.
27. Police & Fire Federal Credit Union - Philadelphia, PA. $2.9 billion in assets.
28. Delta Community Credit Union - Atlanta, GA. $2.9 billion in assets.
29. Lockheed Federal Credit Union - Burbank, CA. $2.8 billion in assets.
30. Mountain America Federal Credit Union - West Jordan, UT. $2.8 billion in assets.
31. United Nations Federal Credit Union - Long Island Cit, NY. $2.8 billion in assets.
32. San Antonio Federal Credit Union - San Antonio, TX. $2.7 billion in assets.
33. Teachers Federal Credit Union - Farmingville, NY. $2.7 billion in assets.
34. Ent Federal Credit Union - Colorado Springs, CO. $2.6 billion in assets.
35. Bank Fund Staff Federal Credit Union - Washington, DC. $2.6 billion in assets.
36. Onpoint Community Credit Union - Portland, OR. $2.6 billion in assets.
37. Hudson Valley Federal Credit Union - Poughkeepsie, NY. $2.5 billion in assets.
38. Redstone Federal Credit Union - Huntsville, AL. $2.4 billion in assets.
39. Addison Avenue Federal Credit Union - Palo Alto, CA. $2.2 billion in assets.
40. Visions Federal Credit Union - Endicott, NY. $2.2 billion in assets.
41. Dfcu Financial Federal Credit Union - Dearborn, MI. $2.1 billion in assets.
42. Coastal Federal Credit Union - Raleigh, NC. $2.1 billion in assets.
43. Eastman Credit Union - Kingsport, TN. $2.0 billion in assets.
44. Wings Financial Federal Credit Union - Apple Valley, MN. $2.0 billion in assets.
45. Bellco Credit Union - Greenwood Village, CO. $2.0 billion in assets.
46. First Technology Credit Union - Beaverton, OR. $1.9 billion in assets.
47. GTE Federal Credit Union - Tampa, FL. $1.9 billion in assets.
48. Mission Federal Credit Union - San Diego, CA. $1.9 billion in assets.
49. State Employees of Maryland Credit Union - Linthicum, MD. $1.9 billion in assets.
50. Teachers Credit Union - South Bend, IN. $1.9 billion in assets.

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707creditscore.com Review - Copyright 707creditscore.com

Erase credit history - Deleting Bad Credit

Methods of Removing Negative Credit Report Information: Deleting bad credit from your credit reports is the quickest and most powerful way to improve a low credit score. There are two techniques you should use to erase negative, inaccurate, out-of-date, or questionable items from your credit history.

Delete Credit History Method #1 - the most common method of deleting bad credit is to file a dispute with the three major credit bureaus (Equifax, Experian, TransUnion). The credit bureaus have 30 days to investigate your dispute and update your credit report (if new information is available). Often creditors fail to respond to the credit bureaus inquiry. In this case the credit bureaus are obligated to delete the negative credit item from your report. 

Delete Credit History Method #2 - the second technique to delete bad credit is to intervene directly with the creditor. This involves negotiating a payment or re-payment schedule in exchange for reporting a "paid" or "paid as agreed" status with the credit bureaus. (The creditor can be the original company that issued the loan, credit card, loan, etc.)

This technique works best if the debt IS LESS than 180 days late. If a debt is more than 180 days late, then the creditor has likely sold the debt to a third-party collection agency and has no reason to negotiate with you.

Three Critical Do-It-Yourself Credit Repair Mistakes
1. Disputing too many items at once
2. Sending dispute letters too frequently
3. Providing "frivolous" grounds for your credit dispute

Erasing bad credit items such as charge offs, repossession, or even late payments to your credit card can often be a frustrating process. You may want to consider hiring an affordable credit repair attorney who can take care of the whole process on your behalf. The Lexington Law Firm helped me delete our bad credit and raise our credit scores.