How to Clean Up Your Credit History by Erasing LTD Collections
LTD Financial Services Collection Agency is one of the biggest collection agencies. In fact, LTD Financial is amongst the largest 25 agencies in the U.S. LTD Financial collects consumer and commercial debt including pre-charged off, and post-charged off accounts. If you have been contacted by an agent from LTD Financial Services, then you are familiar with the aggressive tactics they use to pressure debtors into paying a debt.
Specifically, LTD Financial Services may have used the credit reporting bureaus (Experian, Equifax, and Transunion) to get your attention by placing a negative mark on your credit file. Unfortunately, first party collection agencies such as LTD Financial Services are permitted to report derogatory credit information as long as the information is accurate.
However, the information that LTD Financial places on your credit report is not always accurate or verifiable. The credit laws, such as the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, give you the right to dispute this derogatory information. Accordingly, you can often delete collections and charge offs from your credit report by disputing the information with the credit bureaus or the credit grantors (also called the furnishers of information).
At one point I had many collection items on my credit file similar to LTD Financial Services Collection Agency. This negative information was ruining my credit and preventing me from getting approved for new credit loans. I grew tired of having bad credit so I hired a credit restoration law firm (Lexington Law) and they cleaned up my record and gave me a fresh start.
How I Restored my Credit by Eliminating Collection Agencies
 |
I originally thought it would be easy to restore my credit. However, after working on eliminating credit charge offs and other bad credit, I was pretty much at the same place when I started. My credit score was miserable from all the collections being reported. I finally decided to get proactive and hired an affordable credit repair law firm.
I contacted Lexington Law Firm and they immediately went to work fixing my credit. It definitely gave me peace of mind to know that I had attorneys working on my case rather than always second guessing my own in-experience with credit repair.
Once Lexington Law started I was basically able to sit back and watch them delete bad credit and also see my credit score go up. I opened many letters like the one below announcing that bad credit had been permanently erased from my credit record.
Here is one deletion letter showing 2 Charge Offs and a Judgment Deleted!
Letter Showing Negative Credit was Erased From my Credit History  |
I Was Given a Fresh Start
My credit score is actually quite impressive now and it is almost like the bad credit situation never even happened. I really am grateful and feel like I was given a fresh start. Below is my credit monitoring service which showed how my credit score improved.
Credit Monitoring Chart:
Credit Score Chart  |
If you are the victim of the LTD Financial Collection Agency or any other collection agency, I definitely recommend looking into the Lexington Law Firm. Their attorneys worked hard on my case and would do the same for you. Plus, with their experience they can delete all kinds of derogatory credit history like bankruptcy, credit judgments, collections, charge offs, and more.
Delete LTD Financial Collections Today!