I haven't been working on my credit score as much lately, but I decided to check up on it and  was excited to see a 687!



Lexington Law Firm is still doing their job and getting me some awesome results.  I still have a couple of negative items that showed up recently from an old collection account.  They removed everything else though and my credit has improved drastically.  My wife's credit is now over 700, so we should be able to get a home loan.

I am very happy with what we have been doing an...
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I updated my site to give everyone more info on credit scores and what is a good credit score.  I also put links to great sites to get free credit scores online.  In my research I wanted to know what is the average credit score in the US.  I received several different answers from several different reliable sources.

The FTC, FICO, and the credit bureaus all had different answers.  Mainly because they all report credit differently.  FTC does rely on the others to give them credit scores, but th...
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So my wife added me to some of her good accounts, so that hopefully I can gain some good credit history from it.  I don't have much credit history as it stands, so anything will help.  She has a few credit cards, and merchant cards that she has had for a while with good payment histories.

So will give it a few weeks and check my credit scores again and see if they have improved.  Probably also need to raise some of her credit limits if possible.  Only problem with that is that we will get a cr...
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Checked my creditkarma today and showing a 680 credit score!  I think getting one more item removed or getting a little more positive credit will probably put me over the hump.  This is only my TU credit score, so I'm a little worried about my EX, which I think is getting the least amount of deletions.  Still have a few negatives on EX and EQ, but TU is looking good.

Haven't wrote in here for a while, because just been waiting for deletion letters.  I guess I could be posting about what good c...
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So I checked my TU credit score for free today on Credit Karma and my score went up 50 points.  Lexington Law received has removed all of my negative items on my Trans Union, so that is why.  Awesome!!!

Now just waiting on the other 2 to remove their items.  I should be receiving updates soon, so once I get them I'll get all 3 credit scores and post them again, so everyone can see my progress.

I hoping to set up like a forum or posting capability so everyone else can post their results too.  Wo...
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The more and more I look around, the harder it seems to get approved for a house.  Don't worry I'm not getting a bunch of inquiries on my credit.  I've just been calling and checking online and with banks about what they can offer and for what credit score.

It seems now more than ever you need a high credit score to qualify for a home.  The housing bubble that burst has made lenders afraid to lend to just anybody.  They don't want to get stuck with another foreclosure.  That is fine, but it ha...
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I'm just waiting for my updated credit reports to arrive.  Lexington's service is nice, they have an online dashboard where you can see what is in dispute and all the work that has been done.  Very comforting to know I have a law firm on my side and not some guy in a basement sending out the disputes for me.

I'm still working on getting my name onto some of my wife's accounts.  It almost seems harder to gain credit then to remove it.  I'm worried I'm going to be sitting on 650 credit with no n...
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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...
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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...
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I ordered my credit report through www.identityguard.com Did a little research and they offered free credit reports from all 3 credit bureaus and all 3 credit scores free.  You still have to sign up for a 14-day free trial for their service and then you will be charged $17.99 if you don't cancel in those 2 weeks.  I just have to remember to cancel. 

I submitted my info, but they couldn't release my credit information without confirming my identity first.  So I called it to get it fixed and th...
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