Lex Law and credit repair

----- Original Message -----
From: Real PERSON
To: majors@oskie.com
Sent: Tuesday, October 19, 2004 9:47 AM
Subject: Interesting web site

Hi there, I just finished reading your website and I really found it interesting.
About two years ago I found out my husband was having some problems with the bills and (long story) I ended up with terrible credit. I even had a leased car for 4 years and when the lease came up and I asked to buy it, they would not let me.

Let me start by saying I have no idea what my score was...but it must have been really terrible. I had a tax lien that I did not even know about, a foreclosure, and number of late payments.

I got on track, signed up for Lexington Law (a web company that I send 35$ a month to and they dispute anything on my report that I am not happy with), and starting making all my payments on time. Lexington has removed the foreclosure and some of the late payments (by the way, legal I checked it out first) and I just got my score yesterday and it is 644.

Not great, but I am hoping at least acceptable for now. Of course, I am still working on it and I am proud to say I have no real credit card debt to speak of and I have saved about 20k.

Question: I have a small credit card where the limit is $550. Sometimes I pay it all off, Sometimes I have a balance of $300.00 or so. I asked for a low limit because I did not ever want to get into trouble and run it up. Is this smart....or is my ratio off because I have such low aval. credit? What do you suggest?

My husband did not sign up for Lexington Law credit help, but he did so just this morning. His credit score is 560. He has a tax lien (on one report) that should have come off like the other two reports (we paid it off), but I guess they have not gotten to that yet. I am sure that will help him by a few points when that comes off.

Is my credit score in a range where I could apply to make a purchase again? I have not applied for a car or home because I feared that my score was so much lower than the average.

Thanks so much, and I will share your site with my friends and family.

REAL PERSON SIGNS

640 is usually the cutoff range for mortagages unless you get owner financing......so yes your credit should get you in..... IF you quailify........... based on debt to income and the banks do not hold a tax lein against you.

but I am glad to hear positive things about LEX LAW. I have heard time after time how good they are and how they make it easy to do the impossible but with by the law. Hard work. And come up with ideas that regualar people can not imagine......SO I believe in LEX LAW. They don't cheat. You can quit anytime. AND they do not prey on poor people with no brains. They actually force bureaus to obey the LAW.
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