How to Remove a Repossession from Your Credit Report
A repossession on your credit report can be devastating to you credit scores. A repossession is usually reported to the credit bureaus and can stay on your credit record for up to 7 years. A negative mark like this will not only lower your overall credit score, but could stand in the way of getting any future financing for a car or home loan. However, contrary to popular belief, you do NOT have to wait up to 7 years before being able to get a mortgage, car loan or any other type of credit again.
How I Got Bad Credit
A few years ago, I went through some tough times in my life. I lost my job after the company I worked for went under. The bills piled up and I was unable to make my monthly payments. My car got repossessed and eventually all of my credit card accounts were charged-off and sent to collection agencies.
My life became a nightmare of collection calls and endless harassment from debt collectors. Eventually, I filed bankruptcy and was relieved of my debt, but the damage to my credit was already done.
What I Did About It
For years I was denied the chance to own a home, get a new car, or even take a vacation – all because my credit scores were too low for the banks to even consider giving me a loan. Getting turned down for loans over and over was frustrating and embarrassing.
A friend told me about Lexington Law Firm and was ranting and raving about how awesome they were. I was skeptical at first, but after seeing what they did for him, I knew I had to give them a try. So, I got online and looked them up.
Lexington Law Changed My Life
I called the 1-800 number at the site (800-258-0062) and spoke to a credit expert who was very friendly and understanding of my situation. She was also very knowledgeable. So, I went ahead and signed up. Boy, am I glad I did! After about 3 weeks, I started receiving letters from the credit bureaus stating that negative accounts had been removed from my credit reports! (See below.)
Repossession Deleted from My Credit Report:
My credit scores have drastically improved since there are no longer any negative accounts on my credit report. Here is a snap shot my credit scores from MyFICO since I signed up with Lexington Law:
Lexington Law Client Testimonials:
“I must commend your firm and staff, on doing an exemplary job on my credit history. For the few months that I have been a client, Lexington Law Firm reputation represents that of professionalism, courteousness, and people oriented. I am extremely happy with the progress that has been made. Keep up the great work.”
— R.S., Lexington client
“I am extremely satisfied with the service you offer your clients. I feel your firm is very committed and dedicated to obtaining results. Since I have been a client, I have been astonished with the amount of deletions you have been able to obtain for both my husband and myself. I would never have been able to obtain the results you have on my own and hold down a full time job at the same time. I look forward to getting your updated emails just to see how many more negative entries have disappeared.”
— K.L. & B.L., Lexington clients
You can read hundreds of client testimonials and even watch some very inspirational client video testimonials here:
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