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"When it comes to having credit “repaired”, there is really not a single solution for everyone – it involves fixing your credit and increasing your score in any (smart) way possible. However, there is the process of having professional services to help you through credit repair agencies. Some people have sufficient knowledge that they are able to go through the dispute process by themselves (which doesn’t cost a dime). But there are those who might not be comfortable enough with this approach and seek help from the experts.    There are instances when the negative items on credit reports are caused by something really bad, like fraud. Victims of identity fraud need to really get on top of their credit ASAP, and the best way to do it is to seek help from legal experts who work with the credit repair agencies. Make sure the credit issuers, whether it’s VISA, AMEX, Discover, etc. are aware of the situation as well so that they can cancel the accounts.    The negative items on your reports really might be your own fault, such as if you have defaulted on an account in the past, or have been late on payments. If, however, you feel that they weren’t reported 100% fairly and accurately, you might have a claim to get them removed by the credit bureaus. If you’re unsure, get a free consultation with a credit repair organization.    Since not all of these organizations are legitimate, and some are actually scams, you really need to have an idea of what they can realistically do for you.  Credit Repair Agencies Can Help You in Many Ways  Here are a few ways real credit repair agencies can help you:    • By sending out cease-and-desist notices to annoying debt collectors  • Carefully review all three of your reports to detect any possible errors and inaccuracies  • Request that the bureaus to correct any inaccurate or incomplete information  • Do everything legally possible to improve your credit situation and possibly raise your score  • Keep in touch with you regularly with personalized services to keep you informed of what steps they are taking    Even if you don’t think you will qualify for these kinds of services, you might be surprised. Millions of people are victims of at least some sort of unfair negative items or inaccurate information on one or more of their reports. Many people don’t even know and then wonder why their scores are as high as they should be. It’s also easy to overlook something.    This is why getting a free consultation from reputable credit repair agencies – like Lexington Law – is a really good idea."
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