But nowadays it is almost a necessity to partner with a reputable credit restoration firm that is experienced in improving your clients’ credit scores so that they can be approved for a loan at a decent interest rate. As a seasoned credit repair marketing expert I’ve seen my fair share from the credit repair giants to basement operations. For the mortgage professional, I highly recommend the leaders in financial services credit repair: Credit Unlimited.

Credit Unlimited has based their business around partnering with finance professionals like loan officers and mortgage brokers, creating a team that helps clients go from “unloanable” to “approved” in a matter of months. This not only helps the client, it helps the financial professional to close more loans by allowing them to continue to track the borrower’s credit scores and see when their score has improved to the point that they qualify for their loan.

We also pay a referral fee for every sign up. Many of the professionals that refer clients to Credit Unlimited use the extra money for holiday spending, vacations and paying off bills. A loan officer can get a 20% raise just by referring a credit-challenged borrower to Credit Unlimited. It’s a win-win for everyone.

How do you get started? Simply call toll-free at 1-866-440-6344 (ext. 207). I’ll be happy to help you with your first referral and get you started with a great relationship with an amazing company.

You can also check us out at creditunlimited.com/affiliate

There’s a lot of emphasis put on deleting negative items from your credit reports to increase your credit score. As there should be. Deleting negative items is the fastest, and quite possibly, easiest way to help you fix your credit and get the score you need to qualify for a loan. Especially if you’re using a credit repair service that knows exactly what they’re doing. And let’s face it. At 35% of your credit score, fixing your negative items is not something you should ignore.

But let’s talk about the next most important part of your FICO credit score: your debt-to-credit ratio (which is 30% of your score). It’s simply how much debt you have compared to how much credit you have available to you. You know, like having a $1,000 line of credit and you’ve used $900 of that. That would put you at a 90% debt-to-credit ratio. Which is bad.

You see, credit lenders and credit bureaus, and even FICO (pretty much anyone who gives you a credit score) don’t like to see maxed-out credit. They don’t even like to see your debt-to-income ratio above 50%. That’s simply because when people max out their credit, it usually means they’re hurting for cash flow. And that usually means they’re at a higher chance of defaulting on a loan or credit card payment. It’s not always the case, but we live in a world of numbers and creditors don’t see you for the hard-working, real person you are. They see your maxed-out credit line. And so your score plunges.

So, to see a dramatic increase in your score, you need to fix your debt-to-credit ration. And there are several ways to go about this.

1) Pay down your debts. We have a handy snowballing spreadsheet on our Reducing Your Debts page from our credit score guide.

2) Increase your line of credit. It might feel like a cheat, but it works, because the math works. Of course, if you are not ready to commit to stop spending, this might not be the best option for you.

3) Get a new line of credit. The same way that increasing your line of credit works, so does adding another line of credit.

All of these options can be explained more on our Reducing Your Debts page. But no matter how you go about it, sitting around waiting for debts to pay themselves off will do you no good. It’s the boring part of credit repair; it really is. But who said this was going to be a day at the park?

Lexington Law Removed 75,001 Late Payments In 2010

How many late payments do you have reporting on your credit report? 1, 3, 5 late payments reporting?  Lexington Law removed over 75,000 late payments for their clients last year.  That is almost hard to imagine how much Lexington Law has helped improve credit scores for their clients.

Call Lexington Law Firm Today at 1-800-608-6543 for a Free Credit Consultation or Sign Up Online.

You can see a full list of negative items removed by Lexington Law on their credit repair results page.  See the results of the first quarter of 2011 and see the total amount of negative items that were removed in 2010.

Anyone can dispute late payments themselves, but not one has the experience to say they have removed 75,000 like Lexington.  Delete late payments, erase late payments, clean late payments, they can do whatever is needed to get your credit report to where it needs to be by removing your late payments for good.

Let us know if Lexington Law removed a late payment for you below or if you have removed a late payment yourself.  We would love to hear from you.

2,690 Negative Items

for Clients in Austin, TX in 2010

Austin had the 3rd most deletions in Texas after Dallas and Houston. Lexington Law removed over 2,000 negative items for clients in Austin, TX using the Fair Credit Reporting Act to its full potential.  Anyone can repair their own credit, but Lexington has streamlined the credit repair process and made it possible for anyone to get the job done right.

Call Lexington Law Firm Today at 1-800-608-6543 for a Free Consultation or Sign Up Online

Austin is the capital city of the Texas and located in Central Texas.  It is the fourth-largest city in Texas and the 14th most populous city in the United States. It was the third-fastest-growing large city in the nation from 2000 to 2006.  The city is the cultural and economic center of the Austin–Round Rock–San Marcos metropolitan area, with a population of over 1,716,291 making it the 35th-largest metropolitan area in the United States.

Credit repair is the process of removing negative items from your credit report.  Lexington Law removed more negative items from Texas than any other state.  Take advantage of their expertise and experience to improve your credit scores and clean your credit reports.

Innovation brings us technologies like search engines. With billions of searches behind Google’s search results, you can pretty much bet you’re getting the best results on the front page of your search result. If you compared someone repairing their credit on their own, with someone who has done it millions of times, it would be like comparing Google’s search results with asking a random person off the street. You have no idea if you’re getting good results until the investment is made. You’re stabbing in the dark.

Let’s talk about Innovative Credit Solutions. Here are just a few:

• Since its inception has led the charge to bring quality credit repair services to the average consumer. Who is it?
• In 20 years of service, has helped over 1/2 million clients in their credit report repair efforts. Who is it?
• Last year alone, clients saw over 1,200,000 negative items removed from their credit reports. Who is it?

If you’re truly concerned about restoring your credit, and are looking for innovative credit solutions, then go with the trusted leaders in credit repair, instead of stabbing in the dark.

13,930 Negative Items

for Clients in Houston, Texas in 2010

Houston has had more deletions than any other city in the United States.  Lexington Law Firm has removed over 13,000 negative items for its clients in Houston, Texas, because they have the experience and capabilities to get the job done right.  Lexington Law uses the Fair Credit Reporting Act to help consumers in Houston and across the United States to fix their credit reports and get on the right track.

Call Lexington Law Firm Today at  1-800-608-6543 for a Free Consultation or Sign Up Online

Houston is the fourth-largest city in the United States of America, and the largest city in the state of Texas. According to the 2010 U.S. Census, the city had a population of 2.1 million people.

In 2006, the Houston metropolitan area ranked first in Texas and third in the U.S. within the Category of “Best Places for Business and Careers” by Forbes magazine.  Twenty-five foreign banks representing 13 nations operate in Houston, providing financial assistance to the international community. In 2008, Houston received top ranking on Kiplinger’s Personal Finance Best Cities of 2008 list which ranks cities on their local economy, employment opportunities, reasonable living costs and quality of life. In the same year, the city ranked second on the annual Fortune 500 list of company headquarters, ranked first for Forbes Best Cities for College Graduates,and ranked first on Forbes list of Best Cities to Buy a Home.

Credit repair in Houston has been changed and helped by Lexington Law Firm.   Houston credit repair can be done by yourself, but it is recommended to use the experts.  Lexington Law Firm is the biggest and most experienced credit repair company in the nation.  Lexington removed over 1 million negative items last year and have helped over 500,000 clients achieve credit worthiness.  Take advantage of this great opportunity today to get your credit where you want it to be.

4,410 Deletions

Lexington Law Firm is the biggest and most experienced credit repair company in the nation.  They work in every city and state to help people improve their credit scores.  Texas has more deletions than any other state including other cities of Houston and Austin.

Call Lexington Law Firm Today at 1-800-608-6543 for a Free Consultation or Sign Up Online

Dallas is the 3rd largest city in Texas and the 9th largest in the United States.  They rank among the highest deletions in the nation with 1,197,816 residents.  Dallas residents are protected under the Fair Credit Reporting Act that gives them the right to dispute anything on their credit report they believe to be inaccurate or unverifiable.  Lexington Law helps consumers do this legally and affordable.

Lexington Law Firm’s lawyers are licensed to practice law in all 50 states.  Take advantage of their expertise in credit repair and let your negative items become the next Dallas deletion.

One company is different. Lexington Law actually shares their results every quarter. Every negative item is shared with the world. The reason they do this is obvious: They remove so many more negative items than their competitors that no one else would ever-in their right mind- try to compete. Their 2006 study showed a staggering removal rate for their participating Concord-level clients (around 84% after a year). And their total negative items removed for 2011 is staggering (if you haven’t seen the total, then check it out now)

But the bigger question is: will it work for you?

That’s the important question everybody wants to know. Firstly, you have to take a step back and realize that any legitimate credit repair firm will never promise results. So the quick answer is, no one knows if it will work for you.

Whether you do your credit repair yourself, or you hire a respectable credit repair firm, you’re taking your chances. Sometimes you get unlucky and get nor results. Most people get average to good results. Some people hit the jackpot. You have to be honest with yourself and realize many times you are at the mercy of the credit bureaus, which is why you want to arm yourself with the best credit repair service you can get.

87,406 Deletions

Lexington Law Firm is the biggest and most experienced credit repair company in the nation. They work in all 50 states and have firms and lawyers through out the entire United States. Texas credit repair has the most deletions at 87,046 more than any state and the cities of Dallas, Houston, and Austin make up some of highest deletions in the nation.

Call Lexington Law Firm Today at 1-800-608-6543 for a Free Consultation or Sign Up Online

Texas is the 2nd largest state with the 2nd largest population, so it comes at no surprise they have the most credit repair.  Texas credit repair is bound under the Fair Credit Reporting Act (FCRA) that allows consumers the right to dispute negative items on their credit report.  Lexington Law Firm has perfected the dispute process to help consumers in every state including Texas take advantage of their rights.  Sign up today to remove your negative items and make them part of the 87,046 deletions from Texas.

Lexington Law Firm has been led since June, 2004, by Directing Attorney, John Heath.  A Salt Lake City native, he received his B.A. from the University of Utah and his Juris Doctor from Ohio Northern University. In addition to practicing law in Utah, he is also licensed to practice in Colorado, Georgia, Washington D.C., and Texas. Mr. Heath believes that every person should have equal access to the legal system. He is dedicated to serving clients from every background, particularly those who have been underrepresented in the past.

Is do it yourself credit repair worth it?

When cars first started roaming the road, there were few people who could help you fix them. Most people needed a friend who was a good mechanic or did it themselves. Now, there are hundreds of companies and shops across the United States (and the world) who specialize in fixing your car problems and even those that do the simple things that most people could do themselves, like change their flat tire or give their car a tuneup. Changing your oil on your car is a messy job that most people want a professional to deal with. But there will always be the do-it-yourselfer who enjoys working on their own car. And more power to them.

Back in the 1970′s, when the FCRA gave the common consumer the right to dispute questionable items on their credit reports, many people had little knowledge of how to handle it, but there was little help on their side. Today, there are many tools that the do-it-yourselfer can utilize to repair their credit. Archer Credit’s “Credit Repair Guide” brings all those tools into one place, so you don’t have to hunt down all the information from across the web, and buy a ton of books that essentially cover some basic information.

There are also credit repair firms that can help consumers get their credit back on track. And like mechanic shops, you have to look out for the shady places and look for the trusted leaders. The nation’s top firm, Lexington Law, has helped millions of clients take on their credit. By simply giving them a call at 1-800-608-6543 you can find out if you qualify to be a client.