Thank you Lexington Law Firm for sponsoring this post. A high service partner and consumer advocate that will help you fight for the credit you deserve!

Credit literacy is one thing that most Americans struggle with. In order to buy a home, or a car, good credit is required, but so many of us struggle to obtain it. There are a few simple tips that can help you build and maintain a credit score that can get you approved for your dream home, a new car to fit your family needs, or even to start your own business.



View Your Credit Report
In order to fully understand your score and all that affects it, you should first, order your report. You'll want to pay close attention to your activity and any mistakes that may have been made. Every year, millions of Americans are denied loans for homes and cars due to errors on their credit reports. On average, these errors can take four months to correct. So you want to be sure that your report is correct sooner, than later.

Monitor Your Activity
Now that you can actually see your report, you want to keep a close eye on it. When we're not paying attention, it's so easy for someone to get a hold of our personal information and use it. Pay close attention to report changes when you apply for credit or a loan. If the information gets in the wrong hands and you don't catch it in time, some people will use this to their advantage - which is also known as identity theft.




Be Responsible
If you set a goal to raise your score, stick to those goals and make sure you're doing whatever it takes to get there! If you set out to pay off some debt, making your own coffee versus buying it may be a better move. That way, you can use that money to pay something off at the end of the month. If you spend money using your credit card, put that same amount away when you finally get your paycheck. That way, you're not in the habit of overspending. While a late payment or derogatory mark from a creditor may seem harmless, it can have long-term consequences and in some cases, can stay on your credit report for seven years.



Use Autopay
This ties in with being responsible. Think about it like this, whatever is coming in is getting spent anyway, so you may as well spend it wisely. By setting your bills on autopay, you'll never have to worry about missing a payment again and your score will thank you. Autopay will also get you in the habit of spending what you have and treating yourself only when necessary.



Get Help
Let's face it, when it comes to credit challenges, it may be best to leave it up to the professionals.  The credit repair industry has grown tenfold in recent years and it can be hard to differentiate what's true versus what's false. You should be properly educated that errors can and need to be fixed. Services such as Lexington Law believe that you have the right to a fair and accurate report. Lexington Law is there for you every step of the way through the credit repair process and uses their knowledge of the law to fight for their clients' rights to good credit!



Repairing your credit can be an overwhelming process, but it can also be super beneficial for your financial and personal goals.  The good news, is that you don't have to go at it alone. Lexington Law is the oldest and most respected name in credit repair, and the only player in the category with the legal experience and technology to both advocate and drive results for their customers.

Not only has Lexington Law built a proprietary app that gives you access to the best in-class services, but Lexington Law also has a long-standing relationship with all three credit bureaus: Equifax, Experian, and TransUnion. These relationships, and a deep expertise in knowing how getting errors removed works, enable the team to communicate more routinely and efficiently for their clients.



Keep The Bigger Picture In Mind
If you're like me, you like to travel, you love the satisfaction of knowing your kids can have anything they ask for, you like to eat out and go to the movies - but you also keep the future in mind. You know you want financial stability and how important that is for you and your kids' future.

So taking a few months to knuckle slow down and really focus on your long-term goals, like raising your credit is imperative. Stay home and cook your meals with your family, watch movies at home, throw a weekly, family game night. After a while, you'll realize you weren't missing much at all and that your family is still just as happy. You'll also see how far that discipline can go when you realize your bills are being paid on time without any hassle and how much your credit has improved from small lifestyle changes.



Small changes can improve your credit score in a major way. Don't forget to ask for help! Improving one's credit score may take time, but it can be done. Every consumer has the right to good credit and the law is on your side to help fix any mistakes. These simple tips can help you improve your credit, which will ultimately lead you to the lifestyle of your desires.

Lexington Law spearheaded the creation of a reputable, legal-based solution for the credit repair industry. Its team of lawyers have truly democratized the credit repair market, bringing their credit repair legal knowledge and expertise to the everyday consumer. Lexington Law Firm offers packages that meet every client's needs starting at $24.95 per month. Together, you can be on your way to good credit.

xo,
Torche'














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  1. I applied for a car loan of about 24,000 a student loan on which I owed $9,600, a second student loan of $22,780, and a Home Equity loan totaling $31,560. I got so confused with my financial life and thought it was the end when I lost my job until my neighbor introduced me to spacewebexperts@ gmail com and they were so good with counselling and assisted with clearing all the debts in just few weeks and even improved my credit scores to 800 plus. I’ll refer them to anyone with similar issues.

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