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San Antonio TX
 

Can credit repair companies be trusted?

Many "credit repair" companies claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and money-back guarantees: "Bankruptcy, tax liens, judgments... no problem!! One hundred percent guaranteed!! Credit report 100% cleared in 30 days!!" Can they really make such sweeping guarantees?

While some credit repair companies are outright frauds, others are not fraudulent and they use the dispute process to obtain impressive results. In fact, they delete thousands of negative credit listings every day. There is a company called, Lexington Law who has been doing it for 15 years. Click Here to learn more.

Unfortunately, it is risky to trust anyone to help you restore your credit. It is estimated that fraudulent credit repair companies have bilked Americans out of more than fifty million dollars. The majority of credit repair companies were started by entrepreneurs with a penchant for marketing. Consumers have flocked to these "credit doctors" only to discover that their advertisements proved far more impressive than their results. Hiring a credit repair company is like playing Russian roulette. Many of them are effective and legitimate, but it is difficult to tell a rip-off from the real article.

So, can credit repair companies guarantee results?

Not a chance! No credit repair company is so good that it can guarantee a specific outcome. It would be like a defense lawyer guaranteeing that the jury will find his client innocent. Guarantees are a sure sign of credit repair fraud. A warranty, where the credit repair company promises a refund if certain results don't occur, is a better, more realistic claim. Lexington Law is a respectable company that we recommend.

Not surprisingly, the credit bureaus have declared war against the credit repair companies and those selling instruction on how to do-it-yourself. The bureaus lambaste credit repair companies in the media and send anti-credit repair literature to anyone whom they suspect of using credit repair services. The bureaus unflinchingly deny that accurate information can be removed from a credit report.

The simple truth is that you do not have to endure bad credit for seven to ten years as long as you feel comfortable challenging the accuracy or verifiability of your credit listings. If so, it is possible to restore creditworthiness within a much shorter time.

However you decide to address your credit challenges, realize that regardless of what you may hear in the news media, thousands before you have sought help and restored their credit. They can show you their homes, cars, and credit cards. Despite the newspaper articles, TV reports, and other credit bureau propaganda to the contrary, the simple truth remains: you can restore your credit. Learn More.

The three main credit bureaus are: TransUnion, Experian and Equifax. Lenders judge your credit worthiness using the FICO scoring system. Your FICO score is calculate with information from these credit bureaus by using the amount you owe on non-mortgage-related accounts such as credit cards, your payment history, and your credit history. The FICO score ranges from 300 to 850. The higher your FICO score, the lower your interest rate will be. Since it’s possible the information from the credit bureaus is inaccurate, it is very important you check your credit report on a regular basis. Since a high FICO score can save you thousands of dollars on your home mortgage or car loan, it is very important that you repair your credit immediately if your FICO score is below 680.

What is your FICO Score?

Will you get the best rate on your next loan?

FICO Score

Rating

Best Interest Rate

780+

Perfect

Yes

720-780

Excellent

Yes

675-720

Average

No

620-690

Fair

No

Below 620

Low

No

 

 

 


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The Fair Credit Reporting Act gives you the right to have inaccurate, untimely, misleading, or unverified information deleted from your credit report!

While you have the legal right to work out your credit disputes with the credit agencies, you may want to consider utilizing a trained staff of lawyers, paralegals and legal assistants, all using state of the art technology. Raising your credit score can save you thousands of dollars over the course of your mortgage. You should start by obtaining your free credit report & scores today.

In the city, you can find a diverse selection of legal services and legal service professionals. Land-use attorneys and real estate lawyers can help you settle disputes over zoning and other property-related laws and regulations. Accident and injury attorneys can ensure that you get rightful compensation in the event of an accident-related injury. Tax attorneys and finance lawyers can help you with questions regarding your legal rights when it comes to bankruptcies, liens against personal property, debt consolidation, credit problems, and banking and securities law. Criminal attorneys can help in cases involving fraud, theft, and violence and ensure that your civil and legal rights are adhered to. Attorneys skilled in family law can help with prenuptial agreements, legal separations, visitation privileges, alimony, child custody, and child support issues. There are also attorneys that specialize in DUI, DWI, and other traffic law offences that might be able to help with violations you received while operating a motor vehicle. Proper legal representation is not only a wise choice; it’s also your right as a U.S. citizen. So whatever your legal need, you are likely to find whatever assistance you need right here in the city.

San Antonio explodes with arts and culture, history, world-class cuisine and opportunities for fun and romance. A cosmopolitan city, the seventh largest in the United States, San Antonio still captures the independent spirit of Texas, as well as old-world charm. With more than twenty million visitors a year, San Antonio is a crossroads and a meeting place for Texans as well as travelers from all over the United States and the world. San Antonio has just about any attraction or activity that you could want, from historical sights and authentic culture to pro sports and modern theme parks. Home to not only the Alamo, but also to four other Spanish missions, San Antonio is infused with the history and traditions of the past. The River Walk, also known as the Paseo del Rio, provides relaxing entertainment as it meanders through a truly cosmopolitan city. Take a stroll along the river that winds through the center of downtown, and stop in shops and restaurants along the way. San Antonio also fosters great artistic talent, from offbeat galleries to great museums like the McNay, the Witte and the San Antonio Museum of Art. Or, get your thrill at Six Flags Fiesta Texas, and splash around with aquatic friends at SeaWorld San Antonio. San Antonio is also a shopper's paradise. With miles upon miles of outlets, malls, galleries, unique shops and Mexican markets, it's easy to find great gifts or the perfect fit. If you're into local finds, Artisan's Alley, El Mercado, and La Villita offer unique crafts, local art, antiques and south of the border imports. Large shopping centers like the Quarry Market, North Star Mall, Rivercenter Mall and the Shops at La Cantera are also great for finding designer bargains. For a change of pace make sure to stop by and check out the world famous San Antonio Spurs. The Spurs have won four national championships in the NBA since 1973. Playing at the all new AT&T Center the Spurs - as of November 2006 - rank second among active franchises for the highest winning percentage in NBA history. With the 2007 sweep, the Spurs have the highest winning percentage in NBA Finals history. They have only missed the playoffs 4 times as an NBA franchise. Don’t miss an oppertuinity to see history come alive as San Antonio proves to be a crossroads for great achievements both past and present.

As one of the largest states in the Union, Texas, the Lone Star state, is big on tourism and huge on fun. Two thirds of the over 20 million folks who call Texas home live in its major metropolitan cities, like Houston, Dallas, and Austin. Aside from the typical things most big cities have to offer, like great food and exciting nightlife, folks in Houston can also sign up for space camp. In Dallas, nothing beats catching the Dallas Cowboys football team in action during a home game, or witnessing a true cowboy ride a live, bucking bull in a Dallas rodeo. And, in Austin, the city dubbed “Live Music Capital of the World”, there is always a good band playing and many other types of live entertainment, from theater to orchestras. If relaxing by the warm water of the Gulf of Mexico is more your speed, then head down to the state’s hundreds of miles of coastline. Aside from its many small, quaint beach towns, there’s also Corpus Christi, where you can enjoy a delicious seafood meal while watching the boats sail in and out of the harbor past the barrier islands located just off the mainland. Texas also has several water parks and amusement parks, including the famous Six Flags Over Texas. Whatever you decide to do in Texas, you’re bound to have a good time. And, before you leave, there are two things you definitely don’t want to forget, your luggage…and the Alamo.

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