Repairing Credit Yourself

The Fair Credit Reporting Act gives you the right to dispute any and all items on your credit reports that you feel classify as inaccurate, unverifiable, or misleading. If the bureaus can not verify that the information on your reports is indeed correct, then those items must be deleted.

Disputing items on your credit report is easy. Getting results from the credit bureaus is amazingly difficult, complex, and infuriating. It is not a coincidence that the Federal Trade Commission receives more complaints against credit bureaus than any other type of business. Remember, the credit bureaus are primarily interested in protecting their profits. Investigating your challenge consumes these profits. Short of sparking a mass number of lawsuits, the credit bureaus seem to do everything in their power to discourage consumers from making progress in their restoration efforts.

Restoring your own credit is like repairing your own transmission or representing yourself a court of law; it is possible, but you must decide if you are willing to take the time and assume the risks of doing it yourself. Most people choose to allow an attorney to represent them because an attorney better understands the complexities of the legal system. If you decide your time is better spent and you would like a respectable company to help, we HIGHLY recommend using Lexington Law.

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

No Time like the present
“There is no time like the present for a good thing.”
Mike Conway, former Co-Founder of America West Airlines
& New CEO of World Ventures travel company.
Seize the moment!

Repair your credit - Increase your score

Content on this web site is provided for informational purposes only. We accept no responsibility for any loss, injury or inconvenience sustained by any person resulting from information published on this site. We encourage you to verify any critical information with the relevant authorities.

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Arkansas Legal Services.

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.

Otherwise known as the “Natural State,” Arkansas is filled with beauty, history, and fun things to do. The state’s six geographic regions are packed with exciting destinations to discover. It’s impossible not to enjoy the amazing beauty of the south’s Natural State, with scenic mountain ranges such as the Ozarks and Ouachitas to explore. Here you will find beautiful waterfalls that are enough to take anyone’s breath away. Underneath all this beauty you will find the limestone caves of the Ozarks. It’s easy to enjoy the outdoors here with over 9,000 miles of flowing streams and rivers such as the mighty Mississippi, which provide prime fishing and hunting excursions. The state’s numerous lakes encourage a variety of different water sports such as canoeing, sailing and scuba diving. Arkansas’ many parks such as Hot Springs National Park and Crater of Diamonds State Park provide many more unique and exciting opportunities to explore the outdoors. The history of Arkansas can be discovered with the help of museums, cultural centers, state parks, battlefields, and historic cemeteries. Arkansas nightlife in popular cities such as Little Rock and Fort Smith allow you to enjoy live music, restaurants, shops, and entertainment from some well-known performers. Arkansas restaurants serve generous portions of southern cuisine. And what dinner would be complete without a refreshing glass of wine, from the largest and oldest wine-producing state in the south. So whether you are looking to surround yourself in a little southern history, experience the natural beauty of the outdoors, or just relax with some old-fashioned southern cuisine and a glass of wine, Arkansas is the place to go.

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