I signed up with Lexington Law Firm in November to remove my negative items off my credit report.  I have 1 charge off and 4 collections.

I had already ordered mycredit reports through Identityguard, but it was nice because Lexington Law pulled my Trans Union credit report for free.  I sent in my 3-in-1 credit reports, so they had all 3 in the system.  I set it up so I won't be charged the first payment for 15 days, so gives me some time to get my credit reports into them and start disputing.

T...
Continue reading ...

So not as bad as thought and now in January it is 638, so 50 points higher.  My credit was much worse a few years ago, but I think several years of being married and being a parent has helped.  I have been a little more responsible and have piggy backed on my wife's credit a little bit.  My wife's average credit score is 680, so quite a bit better, but can still use some improvement. 

I have researched a few options on what we think would be the best options to raise our credit score.  The le...
Continue reading ...