Posted by Dewey Kearney on November 8, 2011
With the current economic situation a family or individual cannot afford to have a low credit score. Especially if this low credit score is caused by negative items that are wrong or outdated. If the reported items are accurate that is another thing but 9 out of 10 people have many errors and if you get those removed your credit score will improve radically.
I read a lot, and research is something I enjoy. I have read so many “experts” who say “you can remove these items yourself and save money”, – REALLY! Anyone can write a credit dispute letter but getting results are what counts. You want real credit recovery not pipe dreams. When these erroneous negative items are challenged and proven wrong the credit reporting agencies are supposed to investigate and remove these items. However in the real world it doesn’t happen. Mostly because the dispute isn’t worded correctly or the right kind of supporting documentation isn’t provided.
Then what can you do to get these items removed? If you really want real credit recovery you can let an expert firm like Lexingtonlaw do it. With those items removed a credit score in the HIGH 600’s or higher is easily obtained. It certainly is possible for a credit score even in the 300 range can be brought up to the 700’s. With Lexington Law this happens every day. LEGALLY!
Lexington Law has been in the business of helping people that need credit correction for 20 years and to date have removed over 500,000 negative items from their clients credit reports. One of the testimonials I found on their website was from a client that had tried the “do it yourself” route without results. They then hired another firm and spent lots of money on them without results. Then they found out about Lexington Law and decided “why not go with the best” and their testimonial reported that within one month they got results!
Rather than tell you what these people said let me just give you two or three real life testimonials from actual clients:
“I’m sure you hear this all the time but I couldn’t stop singing songs of praise to the staff at the Lexington Law Firm. I got an updated copy of my Experian Credit Report today and I was so happy I started jumping up and down in the driveway. They deleted six out of nine negative entries — and in less than two months — now that’s what I call SERVICE. I can’t wait to see the negative entries fall off my other reports as well! Thanks a million!”
— A., Lexington client*
“I am very happy with the results that your firm has provided for me. I am now able to get loans and credit cards that were impossible for me to get earlier without your help. I am now able to get low and reasonable financing terms because of my new credit. I have had a total of fifteen deletions and I thank you for helping me not have to wait seven years before I am able to start over again with my credit. Thank you.”
— K.C., Lexington client*
“I wanted to take a moment to say thanks for your diligent work on my behalf. Because of your efforts, my credit score has increased by more than 200 points!!! Keep up the GREAT WORK!! Thank you very much.”
— C.M., Lexington client*
Lexington Law had hundreds of testimonials on their site from real people. Isn’t it time you got the credit you deserve and need? Click here for the Lexington Law site and sign up for some real credit relief. What a Christmas gift you will be giving yourself and your family.
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Posted by Dewey Kearney on April 12, 2011
With a pre approved auto loan you have the assurance of knowing that the financial side of your problem is taken care of. This allows you more flexibility plus spending power freedom while exploring your car options.
A major benefit of a pre-approved loan is the ability to actually unleash your spending efficiency. With approval for such loans you know the amount you are approved for, you’re then free to pick and choose the most appropriate auto for your particular requirements from the dealer of your choice.
By knowing your financial plan and spending limit in advance this puts you in a much better situation than just going blindly shopping and allowing the dealer to put you into something you really can’t afford. Chances are you have already had a dealer try this on you before. Searching for the best auto at the affordable price is made a lot easier and less demanding as you have already effectively secured the repayment arrangements. By being pre-approved you’re able to fully make use of your spending capacity.
There is a good range of competitive pre-approved car loans obtainable on our site. You should apply for one of these helpful auto loans, get pre-approved and enjoy the car shopping experience.
Applying is simple, quick and convenient online through fast decisions and payouts along with high approval rates. Anyone over 18 with a provable earnings and bank account should apply.
You are in the driver’s seat when it comes to bargaining the best deal for the car you wish to purchase. Check out our pre-approved lenders and let them show you how easy and simple it really is.
Get pre-approved for a car loan today! It’s easy, simple and fun; once you are pre-approved you will wonder why you didn’t do this sooner!
Posted by Dewey Kearney on March 21, 2011
Knowing Your Credit Score Makes The Difference
Bad credit car loans are still possible. Being deemed subprime doesn’t necessarily mean that your borrowing days are over.
You just need a lender that specializes in bad credit car loans.
Being pre-approved means that you can confidently walk into the dealership knowing that you are in control of the financing not the dealer. You will know what price range you are approved for ahead of time and can shop within that and negotiate for the best deal.
The dealer will try their best to move you into a higher priced car and handle the financing for you – beware! - That’s in their best interest, not yours.
So how do you know if you are in the “bad credit” category or not? First you need to understand the term that defines you, subprime.
Each lender has its own definition of what constitutes a subprime borrower, therefore placing you squarely in the “bad credit car loan” category. But typically, a credit score of less than 620 lands you in this category.
We encourage you to not assume your credit is bad, but to pull your credit and see for yourself.
We have lenders that specialize in helping people with bad credit get financing. It can be done, we have the lenders. But you need to get pre-approved first. Don’t just show up on the first car dealers lot you see and expect to get the loan you need for your specialized need.
Here are a few tips:
Check Your Credit Report
If you’ve got bad credit, it’s helpful to know it beforehand. It can make a major difference in interest rate, and in which lender to select for car loans. Make sure that everything on your report is accurate; it could be that information has been entered in error and that your credit history is a lot better than you think it is.
Don’t Rely On The Dealer
Dealers take a cut of all car-financing deals they land. And they get MORE if they can bump the interest up 1 or 2 percent higher without you knowing it. They especially like to do this with bad credit car loans.
For a copy of your credit report click here
Get pre-approved - (not the same as pre-qualified) – for your loan before setting foot inside the dealership. Approximately 85% of people applying through our site get pre-approved!
Remember That Your Credit Score Is Ever Changing
When it comes to your credit history, the ball is entirely in your court. You can improve your bad credit by paying your bills on time and not overextending yourself when it comes to loans and credit cards. If you have items that are out-dated or incorrect on your credit report these can be removed legally .
For a complete list of our recommended bad credit car loan lenders click here.
You can be Pre-Approved in minutes and then go have fun shopping!
