Credit Repair 101 & Why You Need to Know About It

Thank you Lexington Law Firm for sponsoring this post. A high service partner and consumer advocate that will help you fight for the credit you deserve!

My credit now is healthy – in the 700s! But let me be crystal clear – that wasn’t always the case.

I haven’t shared this story with a ton of people until now, mostly because it just wasn’t a super fun time in my life.

I had a medical emergency my senior year of college that left me with bills I straight up couldn’t pay.

My now best friend dropped everything to take me to the emergency room and I was slapped with a horrifying multiple thousand dollar bill when the evening was over.

Ouch. I made serious efforts to pay the doctor’s portion of the bill, but ultimately the bulk of it just wasn’t possible to pay at that time (especially considering I was simultaneously $20,000 deep in student loan debt). The bill went to collections – and my credit score plummeted.

The only good news about this entire experience – and really the only thing that matters – is I was young enough to make healthy, strategic financial changes fast to improve my score over time.

And that is exactly what I want us to talk about today – how to easily build and repair your credit score.

B&B is all about no-BS tips for better living – building a healthy financial foundation shouldn’t be painful or complicated. So let’s break this down!

how to repair your credit

How to build your credit or repair your credit score – the no nonsense way.

Get organized.

First step? Grab all the paperwork. ​​​​​​​All of it.

During my personal experience, I had a stack of physical letters and bills to look over, but I also made a specific folder on the desktop of my computer to save any relevant emails or statements into for easy reference.

Know what you owe.

It’s impossible to repair your credit without getting organized and knowing what you owe. Make a spreadsheet, a list – whatever works for you! It’s incredibly important to have a good handle on where you stand.

How to repair credit Lexington Law Firm
How to repair credit Lexington Law Firm

Consult with the professionals.

Snag a free credit report consultation from Lexington Law Firm.

Straight up – I wish I had leaned on professionals when I went through my credit repair experience. Specifically Lexington Law Firm. The reality is that I had no idea there were professionals out there that specialized in exactly what I needed – and I truly wish I had known at the time.

Lexington Law Firm has years of experience in credit repair which means you don’t have to navigate the process alone (like I did).

How Lexington Law Firm helps repair credit.

★ Case Intake ★
Lexington Law Firm starts by obtaining your credit reports from the three major credit bureaus: TransUnion, Experian, and Equifax.

★ Legal Action ★
The attorneys and paralegals assigned to your case review your credit reports and then communicate to your creditors and the credit bureaus on your behalf. Honestly? This is the part I wish I had professionals on my side for. Battling with creditors over the phone took a huge toll on my mental health – it was stressful! ​​​​​​​Lexington Law Firm analyzes each case and works with you to ensure the right credit repair strategies as applicable to your specific case.

★ Credit Score Analysis ★
Lexington Law Firm has some service tiers that actually receive a personalized credit score improvement analysis each month, including targeted information that may help to raise their credit scores. There’s also a team of paralegals available to provide credit score “coaching” of sorts – giving tips, tricks, and strategies.

★ Follow-up and Escalation ★
The Lexington Law Firm website and app let you track your case in real time with updates. ​​​​​​​Here’s the meaty language that matters A LOT, so pay attention…

Acts such as The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA), Fair Debt Collections Practices Act (FDCPA), The Service members Civil Relief Act (SCRA), The Truth in Lending Act (TILA), and even the Health Insurance Portability and Accountability Act (HIPAA), give consumers the legal right to dispute inaccurate items on their credit reports with the credit bureaus and individual creditors. ​​​​​​​​​​​​​​

Here’s the scoop – this stuff is complex! Lexington Law Firm understands the complex consumer protection laws and helps everyday consumers understand their rights and use the law to fix credit errors.

Lexington Law Firm offers packages that meet every client’s needs

The long story short?  Help is out there. I wish I had leaned into Lexington Law Firm when repairing my credit because it would have been actually nurtured and worked on rather so I would not have to spend years navigating a complex system alone. Lexington Law Firm gives clients peace of mind knowing legal professionals have developed a company that will fight for their rights.

How to repair credit Lexington Law Firm

Don’t procrastinate!

“Out of sight out of mind” is not a great way to manage your financial well being and credit. Unfortunately bad credit doesn’t repair itself – so as comforting as it may feel to put off the process, ultimately it’s better to not procrastinate and kick off the credit repair/building processes ASAP.

Seriously – if anyone knows how tempting it is to just pretend the not so fun parts of financial wellness aren’t happening…it’s me. Trust me. You’ll thank me, yourself, and the pros at Lexington Law Firm later for crossing this off your to-do list sooner than later.

Learn more about how Lexington Law Firm can help you repair your credit here!

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