Is it Ethical to Erase Bad Credit?

Living with bad credit means living with shame. Not that you've done anything wrong, but society is quick to jump to conclusions when credit scores follow you around like public report cards that seem to grade you and your value as a human being.

Bad credit, deserved or not, changes people's perception of you. Your banker, your employer, even your spouse - all will draw conclusions about the type of person you are based on your credit. Now THAT'S unethical!

Lies that Creditors and Credit Bureaus Tell You

What's not unethical is taking a legal route to fix your bad credit. Credit bureaus and credit agencies insist that it's impossible to fix your credit legally, and this, quite simply stated, is WRONG.

You are legally entitled to challenge any questionable items on your credit report, and this right is guaranteed by Federal legislation such as the FCRA, FACTA, the FDCPA, and the FCBA.

This is an alphabet soup of abbreviations, but the point is that fixing your bad credit through the legal process of challenging information on your credit report is not unethical.

It's true that some unscrupulous people do take advantage of the system, but what's even more common is credit bureaus taking advantage of consumers.

If you want an example of unethical practices, consider this: credit bureaus report information in black and white terms only. There is no middle ground, no gray area, no room for extenuating circumstances or explanation.

That's not real life.

Real Life Situations Credit Bureaus Choose to Ignore

Nobody considers scenarios that unfold every day in the lives of real people. Nobody cares that you can explain why something was a mistake. Computers coldly calculate a score that people accept as an accurate representation of your character.

The fact is that mistakes happen every day.

Payments get lost in the mail.

The Postal Service "forgets" to complete your address change.

Your ex decides to be vengeful and doesn't pay the bills - despite a court's judgment.

Perhaps you were the victim of a credit scam and the terms you agreed to bore no similarity to the rules you later read in the fine print. What if "No Payments For 90 days!" applied to TVs only, not living room sets like the salesman told you. These are examples of unethical behavior.

You get the point. What's NOT unethical is stepping up to defend your character, fix your credit, and challenge the misinformation that follows you everywhere in the form of a three-digit number. All of this is possible, and it's both legal and ethical. Lexington Law understands the situation you're in, as well as all the legal ways you can challenge inaccurate information on your credit report.

The credit repair experts at Lexington Law are on your side when it comes to fixing your bad credit, and will put their expertise to work for you.

First Name: Phone Number: -- Zip: Last Name: E-mail Address:   Yes, please send me FREE info on other credit related offers. You will receive financial related offers from the Credit Improvers Newsletter and other marketing partners

Email us if you have questions. We want you in your dream home too!

Ben_Casey@creditforcouples.com