It's absolutely true.

Everything you've found on this website is 100% true & documented by the letters and score charts from creditors and credit bureaus, mortgage commitment documents, and home videos we took of us in our new home. Casey and I did have credit problems that could have caused many problems in our relationship, unless we'd taken the following steps:

* Education. We learned as much as possible about the credit industry, by reading articles like the ones you'll find to your right.

* Patience. This process does take some time. We were able to make our relationship stronger by committing to get through it together, and putting in the effort to get our problems resolved.

* Legal help. It's less expensive than you think, and quite literally got us into our house. Lexington Law is affordable, trustworthy, and is the industry leader in credit repair.

Don't take my word for it - have a look at the articles provided and learn about how credit repair can get you into your dream home, improve your relationship, and guarantee a stable financial future for you and your partner.

How to Escape Overwhelming Credit Card Debt

Even for those without a credit history, it's easy to get a credit card, and even easier to get in trouble with it. Before you know it, you can find yourself drowning in credit card debt, saddled with astronomical interest rates, and in a seemingly hopeless situation when it comes to repayment. It is sooo tempting to make purchases you can't really afford, and in the end, you could be paying twice or three times the purchase price in interest alone!

How can you keep from getting sucked into a credit card vortex?

The first thing is to avoid overspending, and this means spending less than you earn. Easy enough to say, but so many American families are spending more than they earn, especially in today's economy. To get out of credit card debt, however, you'll need to take this first step and do it ASAP.

10 Things Destroying Your Credit

You probably have a general idea of what will hurt your credit, but not everything is weighted equally. There are some items that aren't just bad, they are REALLY bad.

The first step towards avoiding these credit killers is knowing what they are and just how much they can damage your credit. Let's take a look at these items in terms of their impact on your credit score beginning with mildly damaging and ending in disastrous.

Here's the countdown of the top 10 things destroying your credit (Ranked from Mild to Disastrous):

10. Clerical Mistakes - These typos just happen, and usually don't damage your credit. The misinformation could include a wrong address, employment history, etc.

9. Old Late Payments - The good news about older negative listings is that their impact lessens with age. They might not affect your credit at all, but if they do they're not as difficult to remove as other negative listings.

8. 30-60 Day Late Payments - One late payment that's not all that late might not do much damage, but if you have a bunch of these they could lower your score by 100 points or more in no time. If you're willing to negotiate payment with your creditor, you might be able to remove the listings through a "goodwill request." 

7. 90-120 Day Late Payments - Payments in this category are truly late, and consequently much more difficult to remove from your report.

6. Recent Late Payments - These items indicate that you are having trouble with your payments RIGHT NOW, telling creditors that getting you to pay could be a problem. Recent late payments thus do more damage to your score and are particularly bad if your record lists several at the same time. This indicates you could present an imminent financial liability.

5. Charge Off or Profit and Loss Write-off Accounts - A "charge off" is a "write off" for a creditor, indicating they have given up on getting paid, even though you still owe the debt. Charge offs are likely to be sold to a collection agency, and collection listings are one of the biggest credit killers (coming up . . .)

4. Foreclosures and Repossessions - These should be avoided at all costs because they will devastate your credit score. They are very hard to remove and can stay on your report for up to 10 years!

3. Collection Accounts - These can destroy your credit rating, and do it fast. That's the intention of the collection agencies who report these accounts - to get consumers to pay up. Don't be fooled into thinking that paying a collection account will make it go away - paid collection accounts are no better than unpaid ones (though they may be easier to dispute and remove).

2. Included in Bankruptcy Items - Included in Bankruptcy Items are not much better than the bankruptcy listing itself when it comes to damaging your credit score. These are the accounts that were included in the bankruptcy, and if you don't address them individually they will linger, verifying the bankruptcy even after the bankruptcy itself is removed.

And the biggest credit baddie (which should be no surprise by now) is . . .

1. Public Records/Bankruptcy - Nothing can single-handedly do more damage to your credit score than bankruptcy, but this category also includes tax liens and judgments. These will remain on your credit report for 7-10 years if you do nothing to have them removed, and will haunt you in your financial future long after you've recovered from the bankruptcy itself.

Your Credit Score: Your Most Valuable Asset

If you think your credit score is just a number, think again. These three digits have the power to affect almost every aspect of your life, positively or negatively.

It goes without saying that first and foremost your credit score determines your ability to get credit. But the ramifications of a low credit score extend like ripples in the pond of American society. Your credit score can determine what people think of your character, affect your ability to get a job, and in general impact your self-esteem and quality of life.

Can You Legally Erase Your Bad Credit?

There are many misconceptions out there when it comes to credit repair. If the notion of erasing bad credit brings to mind shady operations and illegal tactics, there's a reason. Fly-by-night companies have given credit repair an undeserved bad rap - and that's because many of these companies employ practices that are indeed illegal. It doesn't help that credit bureaus and credit agencies unite in the interest of profit to tell consumers that erasing bad credit is impossible.

Credit Bureaus Could Care Less That You Have Bad Credit

It's simply not in their financial interest that you, the consumer, learn about proven and LEGAL ways to erase bad credit. If you have questionable listings on your credit report, there are ways to have these bad credit items removed. Credit bureaus will tell you that only time can improve your credit score, or that negative items will have to remain for seven years. On the contrary, government regulations dictate that seven years is the ABSOLUTE MAXIMUM time a negative item can remain on your credit report.

Don't Wait to Fix Your Credit! Here's Why...

If you're contemplating fixing your credit, it probably means that your credit score has been holding you back. And, if your negative credit history has become a handicap, the time to fix your credit is NOW!

It can take up to seven years for negative items to disappear from your credit report, and up to 10 years for a bankruptcy.

How to Deal with a Collection Agency

A collection, also known as a charge-off, is an old debt the original creditor has given up trying to collect. At the point your debt becomes a "charge-off," or a collection, it is sold to a third party collection agency.

Collection agencies are hired because they are experts at getting you to part with your money no matter what it may mean for your credit history.

How to Remove a Repossession from Your Credit Report

You might feel like a victim of a crime if repossession has ever happened to you, but then the realization hits: you have to deal with the long term consequences of a repossession. The idea of repossession is fairly simple: after a grace period has passed, the owner of the property can repossess "your" auto or other possession and then report this repossession or "Repo" to credit bureaus.

If you don't think this will impact your credit - if you think you can just go out and lease another car - think again.

Foreclosure will affect your life much longer than the actual process itself takes. The impact to your credit will remain for years after you've lost your home. Foreclosure is never a good option for homeowners who are falling behind on mortgage payments but, unfortunately, sometimes foreclosure becomes the only option.

How Bankruptcy Destroys Your Credit

If bankruptcy is unavoidable and no other financial options remain, you can file either a Chapter 7 bankruptcy, also known as a "liquidation bankruptcy," or a Chapter 13 bankruptcy, also known as a "reorganization bankruptcy."

Chapter 7 bankruptcy will allow you to discharge your debts, while Chapter 13 provides a way to repay your debts by coming up with a negotiated repayment plan.

Too Cheap to Hire a Credit Repair Lawyer?

Once you've decided to take action to repair your credit, you have a couple of choices: (a) You can either do it on your own or (b) hire the services of a credit attorney or law firm to tackle the credit repair process.

It might be tempting to take the "free" route and try to fix your credit on your own, but you're probably not considering the real expense, both in resources and time, of attempting to repair your credit yourself.

Or, for direct info, fill out this form to receive a Free Credit Consultation.