"How I Erased All My Bad Credit From Experian!"
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This is a True Story!

I Deleted All my Bad Credit with Experian. My Story is true and I can prove it.

Every step is documented by Credit Bureau Letters, deletion letters and score charts from Experian, Equifax, and Transunion.

 

 

 

True Story: I went to buy a new car a few months ago and discovered I had a judgment and collections on my Experian credit report. The car salesman said that my credit grade was an "F" because of all the bad credit!

Their manager told me that I was denied and there was nothing they could do. He also said that the bad credit would stay on my report for the next 7 years. (The judgment would stay on my credit report for at least the next ten years!!!)

Plus, he said that the judgment would stop me from getting a loan. In other words, I was stuck in debtor's prison for the next 10 years because of the bad credit on file with Experian.

I went home and did some research online. I bought a $12 ebook from ebay that told me I could fix my credit.

I followed the instructions but got nowhere. I am convinced that Experian placed a RED FLAG on my file because they suspected I was doing something illegal. Here is a copy of the letters they sent me:


Experian sent me letters like this one. They refused to investigate my disputes. I was convinced that they put a RED FLAG on my file for doing illegal do-it-yourself credit repair.

After wasting a few more weeks trying to beat Experian, I decided I needed some help. I discovered that this law firm can help people erase all types of bad credit from Experian.

  Lexington Law Erased my Bad Credit with Experian Using This One Weird Trick  

Lexington Law used some really creative methods of getting the undesirable information off my credit record. These include Debt Validation, escalated dispute/information requests, and/or direct intervention with the creditor.

These methods are really complicated and should only be attempted by a professional!

After only a few days with Lexington Law, I received letters from Experian telling me they deleted negative credit items. Here is the first letter that arrived in the mail:


Experian finally gave up once Lexington Law intervened. Here they erased a Bankfirst
credit card charge off. It felt like a huge relief since I didn't want to have bad credit for
the next 10 years.

The guys at Lexington kept working on my credit score and it continued to improve from one month to the next.

They even deleted two collections for $762 and $1,508. One was for a disputed credit card account and the other from a disputed medical bill. These letters came in the mail after Lexington erased them from my Experian reports:


This letter proves that Lexington erased two ugly charge off accounts from Experian. One was a $762 credit card charge off and the other a $1,508 medical bill charge off.


It was a good day when Lexington erased the judgment that was ruining my credit. I tried disputing this item since it was for a disputed account, but Experian refused to investigate my claims. A judgment will completely ruin a good credit file. If you have a judgment on your credit report, then you are probably seeing these things happen to you:

  • A Judgment stays on your credit for ten years - or more if the creditor renews it
  • Creditors may then seize your assets including your home or other valuable property
  • Your wages could be garnished. They take money directly from your bank account – even before you get your paycheck


Here is the letter I got after they deleted the judgment
     
 
  Why Experian May Refuse to Erase Your Bad Credit  

Now here’s the deal with this whole process. Technically Experian has 30 days to complete your investigation. They must provide you in writing, what the results of their investigation are along with an updated copy of your credit report. The updated credit report should reflect any changes (if any) as a result of your dispute.

This is what they are supposed to do.

The real truth about disputing with Experian is that they don't want to do any of it. When you file a dispute, Experian loses money.

This is why Experian may ignore you. They might also send you a stall letter. Worse yet is they put a Red Flag on your account.

This happened to me when I tried do it yourself credit repair with Experian. They sent me dozens of stall letters and I got nowhere. I buried myself deeper after making mistakes with my dispute letters.
     

What To Do When You’ve Already Tried Everything and You Still Have the Bad Credit on Your Experian Credit Report

There are things you can do to help your situation - but there are deadlines so you need to take quick action!

The first thing you should do is check and see whether you legally owe the debt. Also, check the statute of limitations in your state. It’s possible that the time has run out for the creditor to collect a debt from you. If this is confusing, then give these guys a call - Lexington Law Firm - they figured all of this out for me.

Also, you can explore Debt Validation. This is an advanced method where you put the burden of proof on the creditor. The creditor has to prove - with paperwork and contracts - that you legally owe the debt.

WARNING! YOU HAVE ONLY A FEW DAYS TO EXERCISE DEBT VALIDATION AND GUARANTEE YOUR RIGHT TO DISPUTE A DEBT.

MISS THE DEBT VALIDATION DEADLINE AT YOUR OWN RISK!!

IF YOU ARE UNCLEAR ABOUT DEBT VALIDATION OR HAVE QUESTIONS ABOUT REMOVING BAD CREDITWITH EXPERIAN, YOU CAN SPEAK WITH A CREDIT REPAIR PARALEGAL FOR NO CHARGE BY CLICKING HERE

If you have tried everything already - including debt validation and credit bureau disputing, another option is to negotiate directly with the creditor. You'll need patience and good organization skills. You may offer payments if you cannot afford a lump sum.

Keep in mind that the older the debt, the less the collection agency paid for it. As part of your agreement, you must demand that the creditor remove the negative credit from your credit reports. They can and will do this...even if they tell you it is impossible.

Get their agreement to remove the bad credit in writing.

If this seems intimidating, that's ok. I was scared too. I negotiated with collection agents but it made me feel sick inside. One bill collector even called me "pathetic" and a "loser."

I decided to get some professionals on my side who would put these scumbag collection agents in their place. I went to Lexington Law. I discovered that they already helped thousands of people just like me. After finding out that their services are affordable on my budget - I signed up!

After just 30 days they convinced the Experian Bureau to remove my bad credit! (They used Debt Validation to get rid of some items.)

They also cleaned up my credit with the other Credit Bureaus including Transunion and Equifax:

They also cleaned up my credit with the other Credit Bureaus including Transunion and Equifax

It was a huge relief when this letter arrived in the mail. It was as if a weight had been lifted from my shoulders.

I realized that without a decent credit score, I was not going to be able to get a house, car, or anything else when I need it.

Lexington Law helped me get back on track by removing my bad credit with Experian, Equifax, and Transunion. My score went up by 90 points and I am in good shape to get approved for a new car.

If you’re struggling with bad credit and need immediate help, then I recommend you call Lexington Law. They will give you a free consultation and tell you what they can do to help.

There are no strings attached. Make sure you don't procrastinate. Things only get worse if you delay.

Remember, debt validation is a powerful weapon against credit report problems...I am really glad that I got help before the deadline passed!

Make sure you don't miss out!
For LIVE Help from a Credit Repair Paralegal Dial 1-866-246-7311. Provided by The Lexington Law Firm