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Top Rated Credit Repair - Repair Your Credit
Credit Repair And Identity Theft Protection Is Even More Important Today!

How can I improve my credit score?

  • Reduce your debt-to-credit ratio. Avoid leaving your account balances near the maximum credit limit, even if you can do so and still remain well within your budget. Credit bureaus interpret this as a sign that you are borrowing almost as much as you can handle, which they assume makes you a higher risk. A good rule of thumb is to keep your balances below 50% of your credit limit.

  • Correct errors in your report. These are surprisingly common. A utility company or lender could mistakenly report one of your payments as late, which could adversely affect your credit rating until you correct it. Be advised that correcting an error can take as long as 90 days, so it helps to monitor your credit report and fix mistakes early.

  • Make all your payments on time. This is particularly important in the months before you plan to apply for a loan or job when an employer might check your credit report. Why? A recent late payment will affect your score more than, say, a late payment from several years ago.

  • Consider leaving old accounts open, even if you don't use them much anymore. The length of your credit history - how long you've been borrowing - is a factor in your credit score, so it pays to keep these accounts alive. Also, closing an account will reduce the total amount you can borrow, which increases your debt-to-credit ratio.

  • Pay off debt rather than shuffling it between accounts. Unless you are severely behind in debt and are taking steps to resolve it, closing some of your accounts will adversely affect your debt-to-credit ratio.

 
 Lexington Law - Credit Report Repair




Lexington is a law firm specializing in repairing credit reports. We have helped over 200,000 Americans repair their credit reports by removing inaccurate, misleading, or unverifiable information. From bankruptcies to charge-offs to tax liens, we have challenged virtually every credit problem under the sun -- and deleted over 500,000 items this year alone.

 
 Free Credit Report in Seconds




FREE credit report and score with a FREE 7-day trial. Check & dispute possible inaccuracies. Will not lower your score. Detect critical changes and potential identity fraud. Monitor your credit report to help catch ID fraud early.
 
 Identity Truth




IdentityTruth.com – the earliest possible detection service for identity theft. Identity theft is one of the fastest growing crimes in America today. With our patent pending technology we have tracked more than 80,000,000 Americans whose lives have been affected by identity theft.

  • Ongoing and automatic credit monitoring assisted by our credit data partner Experian

  • Identity breach alerts identifying possible data breaches from thousands of sources affecting millions of Americans.

  • Identity monitoring to track your personal historical records

  • Listing of credit applications made in your name

  • Fraud Alert Assist from the 3 major credit bureaus

  • Removal of your name from junk mail lists

  • Access to remediation services in the case you need help to fix a problem

  • A $2,000,000 SERVICE GUARANTEE from IdentityTruth in the case your identity is compromised

 
 LifeLock




Guarantee Your Good Name

Identity theft can happen anywhere to anyone. In line at the store, online at home or when you're buying your morning coffee. If your identity is stolen, you can spend hundreds of hours cleaning up your credit and struggling to get back your good name. That's because stolen identities are used up to 30 times, with most victims only discovering the theft after they've been turned down for a loan or contacted by a collection agency. You may already be a victim, many times over, and not even know it. But not with LifeLock.

LifeLock, the industry leader in proactive identity theft protection, offers a proven solution that prevents your identity from being stolen before it happens.

We'll protect your identity and personal information for only $10 a month - and we guarantee our service up to $1,000,000. We also offer the only identity theft child protection program available in the market, so guarantee your good name today and enroll now.


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