How to Raise Your Credit Scores

Your credit scores affect many important aspects of your life. From the moment you open your first charge account, you enter into the world of credit.

FICO – The 800-Pound Gorilla

The main source of information for many credit scoring companies is a company known as “FICO”. FICO stands for Fair Isaac Corporation. This company started using formulas for calculating credit risk back in the late 1950’s and became the model after which the other three companies took their lead. FICO uses a proprietary formula to calculate the likelihood of repayment for every person with a credit history. Even though the exact formula isn’t known, we do know what the credit score factors are.

Why A Credit Score Is A “Snapshot”

Each consumer’s behavior changes over time and when a lender or insurance company makes an inquiry into a person’s risk profile, they get a “snapshot” of that individual’s situation because it constantly changes. Each time a consumer opens a charge account their score changes. Each time a consumer misses a payment on a credit account, their score changes. When a consumer pays off a debt, their score changes again. Over time, the exact number goes up and down a thousand times. What’s important to understand is where a person’s credit score is at any given time and what can be done to improve that score.

Good and Bad and Places In-Between

Because of constant fluctuation of about 20 points around an average score, consumers should try to be aware of where their credit score sits and what can be done to increase the number as high a level as possible. Good credit means consumers pay lower interest rates on loans, get cheaper insurance coverage and have improved job opportunities. A good score saves money, provides better rates and can even help get a really good job. Bad credit means the opposite to the above will occur and more. Bad credit affects lifestyle and opportunity. No one wants a low credit score that’s the result of bad credit actions, but they happen and in today’s economy, they happen more and more frequently.

Can Bad Become Good?

Yes. Bad credit scores can improve through the diligence of the consumer using good credit habits, making payments on time, not over-borrowing and maintaining low credit balances in their credit accounts. But there’s a catch – bad credit takes a long time to become good credit while good credit can become bad credit very quickly. Thankfully, there are solutions to changing bad credit scores into better scores. You can choose to learn the credit reporting laws and dispute negative items on your own or you can have a credit repair company do it for you. Credit repair involves a process of challenging, validating, and verifying the accuracy of information contained in each of the three main consumer credit rating bureau’s data so that only the data which helps the score stay high is retained and the bad information which lowers a credit score is eliminated.

Credit Repair Options

Consumers can attempt to repair their credit on their own, however, the process is rather complicated – involving debt validation letters, challenging information contained in each of the three credit bureau’s databanks, verification of debt from creditors and other time-sensitive procedures which, if not done properly, can actually result in a lower score rather than the hoped-for higher score. Most consumers turn to a credit repair company which can perform the intricate tasks associated with repairing credit with greater control and higher success rates. Where consumers can get sidetracked is deciding which credit repair company can really help them improve their credit score and which company is just going through the motions without concern for the end result.

The Best Credit Repair Option

Obviously, among the hundreds of companies offering credit repair services, there’s going to be one company which stands out from the others. That company will have many years of experience dealing not only with the credit bureaus, but also with the multitude of creditors submitting information to the bureaus and even the nefarious “debt purchasers” who prey upon consumers buying their delinquent accounts from creditors for pennies on the dollar and then using less-than-honorable tactics to intimidate, cajole, and coerce consumers into paying more for those debts than they really should. There is only one company with 20 years of experience dealing with credit repair and there is only one company with hundreds of thousands of satisfied clients. That company is Lexington Law.

Lexington Law Helped Remove Charge-Offs From My Credit Report:

Charge offs removed from Experian credit report.


My credit scores have dramatically improved since there are no longer any negative accounts on my credit report. Here is a snap shot of my credit scores since I signed up with Lexington Law:

credit scores

Lexington Law Client Testimonials:

“Because of the awesome work you guys did, I was able to get both myself and my wife new cars (well, almost new) and to think, a year or so ago, I couldn’t get anything almost new without unreal interest and all that. I have recommended your services to all of our friends and family and will continue to do so in the future. Now my wife is in the process of working with you to get her credit cleared up. I couldn’t be any happier. Thank you.”

— M.F., Lexington client

“I have to admit I was a little skeptical at first, but after seeing what you were able to do with my credit after only a few months, it is very reassuring. Thank you for everything that you are doing for me and please pass on to your staff my appreciation for all of the hard work.”

—  – T.B., Lexington client

Discount for Family Members, Couples, and Active Military!

Lexington Law is now offering $50 off the initial set-up fee when you and your spouse or family members sign up together. The one-time $50.00 discount will be automatically applied to both you and your spouse’s first payment.

Active military members also qualify for a one-time $50 discount off the initial fee.

Ready to Get Started?

Click Here to Visit Lexington Law Now!

or call (800) 220-0084 now for a free consultation and complimentary credit score.