Some prepaid legal services, like the Lexington Law Firm, offer credit repair services. Are these services a good financial move? Many of us can find ourselves behind on a credit card payment or otherwise suffering from credit challenges. Lexington Law Firm and other prepaid legal services offer to help you settle these accounts and repair your credit. Do they do what they promise and should you consider this option?
First, you should be aware that there is no quick fix to repairing your credit. The only way to repair your credit is through good old-fashioned hard work. What can Lexington Law Firm and similar companies do? They use the tools available to anyone, including credit disputes to help clean up your credit. While you certainly can do this on your own, it is time consuming and may require more effort and follow through than you can reasonably provide on your own.
There are some drawbacks to using a prepaid legal service of this sort. First and foremost, you may not find that their services are as effective as you like. You will also quickly discover that the process takes longer than you may expect, thus increasing your overall costs. Lexington Law Firm and other prepaid legal credit options will not dispute all negative items on your credit report at once for fear of alerting the credit bureaus to their activities. You should also take the time to determine whether these services are legal in your state before contracting with one of them.
So, should you consider a credit repair service offered by a prepaid legal firm or Lexington Law Firm? Yes, they can improve your credit; however, the tools available to them are the same tools and laws you can use to improve your credit on your own. Take the time to run some simple search engine searches about any of these services you are considering to look for customer reviews and complaints before hiring them to assist with improving your credit rating.
The bottom line is that you may need both services. When it comes to clearing up your credit I would shoot with all bullets in the gun. Lexington Law offers superior service and great results.