Posted by Mike on Oct 5th
Unlike most shopaholics, you know that you have been watching on your credit score. You try so hard not to miss on any of the due dates. You also avoid using the credit card so much. You know that there is just no point that you can?t do well with your credit card. There was even a time when you consider it as just a part of your wallet, one of the IDs perhaps and had a very big red line that says FOR EMERGENCY USE ONLY. You are the type that does not want to lose your head over just any credit worries. It is your way of helping your self out of the quick sand where most credit card holders fall into. You know for a fact that it is very hard to pay debts; that is the reason why you watch your expenses. However, with unexplainable twists of faith, you end up with all these bills that you know for a fact you never have done and never will but are under your name! Sounds like something is wrong and you need the help of Lexington credit repair.
Lexington credit repair is the number one in the top 5 companies that render services for credit repair. ?This Company has established itself as the top choice. It has been an established law firm for a long time and has been the pioneer among all the online credit repair companies. They are the only firm with 24/7 customer service that is accessible through phone, email and online chat. They have good reviews from both the Better Business Bureau and 3rd party websites about credit repair.? As stated in review in the web site Inside Bad Credit. Lexington Law charges a slightly higher price for its clients, but this is reasonable though because of the kind of service they extend to their clients. The company also is very transparent with their records deletion. In fact in 2005 they have accomplished 667,336 deletions that were published in their quarterly report.
With this description you might want to think that Lexington credit repair is somewhat expensive and pretty much hard to afford, of course minding that you have all these debts to pay. But then, like the very wise attitude of most buyers, quality is associated with price. Lexington credit repair will surely make you worry less with your credit score.
There is no reason you would ever want to get jailed because of unpaid debts right? Then why are you still in your seat? Let Lexington credit repair do the job for you.
Posted by Mike on Sep 27th
Debt? Oh, this is something that is very much feared by many. Ever heard of the story of the lead character of the book ?Confessions of a Shopaholic?? Perhaps you have no idea.
Well that was a story of a girl who just think that the credit card is some form of gold ticket that she can use every so often to purchase anything she likes. It turned out she loves the experience, you know having all the right to buy anything even if you run out of cash? That is too hard to resist. Now, that she end up with balances in her credit report, she worries but then only for a short span of time and then she’s back to her habit you know doing all these and buying all that with her credit card until it is no longer in her capabilities to pay. The debt (there goes the magic word) just piled up and she had been haunted by all the debt she made.
Debt now, is something you might think you should have not got your self into in the first place. The real score really is that you are not the only one who thinks that way and debt is not in its self an evil you should try to avoid. Like many pleasures in life, debt is well, healthy at some point too! You can have the things you wanted this moment without having to pay it right now, isn’t that supposedly a great end of the bargain? On the other end, you have to PAY it on the right time or else you would have to pay the price of not paying it… got it?
What you should do to at least not fear the word anymore are these:
* Treat your credit card as cash. You would have to think that way you know so you will control that nerve, the itch of actually making purchases even if you don?t really need them. That way you would think it is so hard to earn a penny.
* Just never get more if you have less. Set your bench mark in the best possible mark. Never get too much when you know you can never pay them at once. You get your self in to so much trouble because of debt when you get more than what you are actually capable of.
Debt is a traitor you know. You ca n never be too complacent, not ever. You just have to think that if you never wanted to sink even deeper, never get into the nerve of it.
Posted by Mike on Sep 15th
Sometimes when you just think that you want to shop all the more, you are more prone to some things that you never expected. There was once someone who never really cared much on what things to do and what not to. She just went and swiped her credit card whenever she feels like it. At the end of the day she faced the worst nightmare of her life, she never understood what the credit report had to say of her credit attitude. Though she knows she had been very lenient of her purchases, she knows that there are things in her credit report that are wrong. Very wrong… then she thought she would have to make things legal seek help from credit repair attorneys.
Credit repair attorneys are legal counsels you can ask help for when you are in the midst of the worst things in life… well, your credit life. Some idiots are crazy enough to not even care and make the worst decision of just letting things happen as they are. Here is the real thing, if you want to make sure that what is written in your credit report all are true stand for it. The credit repair attorneys may advice you with several things you might want to do when you see discrepancies in your credit report. You know even if they are the company, they may have lapses too and you can always exercise your inalienable right to make things right. Your credit repair attorneys could tell you to settle things in an amicable settlement but if you think you can endure the legal battle, you can do these things according to what your credit repair attorneys tell you.
? Ask for the credit report from agencies. Iron things out with the credit repair attorneys and back your defense with the credit reports that you find full of discrepancies in the first place.
? Write a letter to the company. You might want to take on a more diplomatic way to settle things, tell the company just what you feel about the mistake being done.
? Back your battle with the right evidence. Your credit repair attorneys may ask you to secure necessary evidence to help you win your battle. Secure them.
But there is no needs to take on the long process you know, the credit repair attorneys can tell you the best way to settle it.
Posted by Mike on Sep 5th
Debt is an often misinterpreted word. People would even think that debt is something to be afraid or be ashamed about. It is honestly not right to think that way though. Debt is not that much of harm or a thing to be ashamed about, debt is like everything else, a part of the normal person?s way of life. Just imagine if the concept of debt was never introduced, for sure most people would never get by after a week upon receiving their salary. Life is very tough and thus debt is here to help people get through one salary after the other.
The problem only arises when people don?t pay their dues on time, credit card especially, because it carries out a bigger interest when left unpaid. There are ways to at least pull the lever higher though, like you can go for consolidation debt.
Consolidation debt is when you make loans to pay the other existing loans. This process though entails something that is secured. Of course the logic of it would immediately tell you that no one would ever let someone borrow money if he/she already has a bad or negative credit record. Consolidation debt requires secured forms or collaterals like houses or cars with which you can pay if ever you can not pay that loan in the form of money.
Debt is a big problem thus debt consolidation makes you live through it. But that does not mean though that you can just go on debt consolidation every time. The purpose of this is to really help you out iron out the things first and then you face this thing on its entirety. It is like you need to pay this amount to various entities and someone will lend you the money to pay everything thus you are now indebt to this person.
At least you solve the immediate problem first and then you can start anew with whatever is left for you to begin. The debt consolidation is just an alternative that is laid out for you; this does not mean it is the sole solution to your despair right now.
It is never easy to get out of the indebtedness you know, the problem may be solved partly with debt consolidation but to really never get your self into any of these, perhaps you can just try not to get a really bad credit record.
Posted by Mike on Oct 22nd
So what is the best advice to get out of debt? It is simply – do not panic. That is it. If you panic, you will have lost any ability to make any logical decisions, and you need to be able to look at things with a rational viewpoint. You will need to make plans, get some debt advice, and continue to make ends meet while you are fighting off this beast called debt. Keep yourself calm and keep going. There is a solution; you just may not have found it yet. You are not alone; you are not the first person to face debts and you will not be the last one either.
First of all you need to do see a proper debt councilor. You can sign up for a debt reduction service that will examine your overall situation, and be able to pinpoint what has happened to get you in debt, and what you will need to do to get out of it. A strategic plan will be put in place based upon your own personal needs. You will need to implement this plan in order to see any long-term results, and be able to stick with it, no matter what. Your financial debt advisor has been specifically trained to help even the worse debt cases.
When you need to see somebody to get help with a debt situation, you do not have to feel ashamed. Thousands of people are in the same position you are in, and the councilors are trained to not pass judgement, and to understand that this is something that you want to deal with and make right.
The usual method the advisors use is to consolidate your debts at a better rate by making an agreement with any credit card companies to put a freeze on your interest rate. You will end up paying the debt reduction company a fixed fee per month, which they in turn distribute to your card companies.
If you decide you are not ready to seek debt advice, there are a few simple things that you can do easily enough on your own. The most obvious and basic one is to not use your credit card for any more purchases. Do not even carry it with you. Take that card and tuck it away someplace that is hard to get at, and keep it there in case of a major emergency. You can also plan on getting a second job to pay off your bills. Look at how much you would need to make and see if it is at all feasible. Also, remember your friends and family. Quite often you may assume that they would not help you out, when really they will be more than willing to help if they can. You can give it a try!
