What Credit Law Center Did For My Credit Scores

Credit Law Center Testimony:  My Mind Is Changed About Credit Repair Companies

I am 48-years old and I can say I never knew much about credit and how the credit world worked. As far as I knew, I had always had okay credit scores. I quickly learned that was not the case and found myself in some tough situations. I married my first husband very young and he did not have great credit. While I was married to him, my debt climbed to well over $50,000 and I was feeling like I had a brick weighing me down. It was stressful to say the least. Shortly after we were married, we divorced. At the time I was unaware there were any companies out there like Credit Law Center. I was unsure what to do with the debt so I sought counsel with an attorney that encouraged me to file bankruptcy. I felt I needed to get a fresh start in life and it would be a one time deal. I was extremely determined to get my credit back in good standing and thought a bankruptcy was the only way I could improve it.

Fast forward a few years to my second marriage and again, we were having issues with our credit scores. My credit was decent but my second husband also had less than perfect scores. I had many health issues and a lot of medical debt. I also had medical debt from my previous marriage following me around. Again, I filed bankruptcy. This time we filed jointly and my current husband and I tried again to get in a better position. I felt ashamed, betrayed, frustrated among many other emotions.
Filing Bankruptcy

Years later we decided to start looking into purchasing a home. After speaking with a Loan Officer, we were told we still didn’t have the credit scores we needed to buy. So, I started looking into credit repair. I needed to repair my credit fast! I signed up with a “credit repair company” that told me I could get my credit cleaned up in 3-6 months. That turned out to not be the case at all. I checked in with them regularly to see how things were going with little contact or explanation of what was happening on their end. While paying my monthly fees, and no removal of items I was becoming very concerned! Nine months went by without any results. Again, I felt frustrated and a little hopeless about improving our credit. We were running out of options and my family was starting to lose hope on finding a home.

Luckily, I started a new job with a mortgage company that referred clients over to Credit Law Center. It took me a while to get the courage to call them because I didn’t want to be scammed out of money again. I was very hesitant.We were told we needed a 40-60 point boost in order to get approved for the loan so I called Credit Law Center and talked with an advisor and signed up immediately. I could not believe how much success I had in my first 40 days and we have now completed the whole process. My family and I moved at the end of October 2017 into a home we love that is brand new. It was a huge relief!

Although I was hesitant about the process, Credit Law Center continued to assure me I would only pay for the results on my report and that was true! I felt that they were honest and straightforward the entire time and for that, I am grateful. There are many companies out there trying to take money from innocent people with no intention of getting the scores where they need to be. I ran into that myself and it can be very disheartening. My credit advisor took the time to educate me on how to use the credit I do have, so that I don’t get into a bad spot again. I just want to thank them for making it possible to buy a home and for the honest work they do.

A Note From The Author: This is an actual client testimony submitted. The opinions you read here come from our editorial team. Our content is accurate to the best of our knowledge when we initially post it.

Article by Breana Washington

A Credit Rating, Not A Character Rating

The People Behind The Credit Score

At Credit Law Center we fully believe in the people behind the credit scores. A company is only as good as its “Why” and what matters to us most, is our clients. We recognize that bad things happen to great people and wish to help improve individuals buying power, like the client testimony below.


A Credit Rating, Not a Character Rating

“After 15 years of marriage, I began an 18 month long divorce. In my marriage, my main job was to care for our 4 kids and maintain the home. We puchased 2 homes during our marriage, a few rental properties, and vehicles. I assumed I had credit, as anyone would but figured out quickly that wasn’t the case. Because I had been a stay home mother, and only working off and on during that time, I wasn’t on any of the loans, everything was in his name.

Hope (2)

I was unaware that he emptied the checking and savings accounts. So there I was, not a dime to my name, absolutely no credit to speak of, and four little mouths to feed. I started a new job quickly after the separation but that income wasn’t enough to pay for day care cost and all the other expenses that go along with life. Within 60 days I had 3 jobs while trying my best to be a great mom to my kids. I was exhausted. That Christmas I had $85.00 to spend for 4 of my kids!

Nine months into the divorce when I thought things were already bad enough, my car was repossessed. Months later I found out my ex-husband had not filed taxes in a long time, so I then had a huge tax lien on my credit. At this point, I had no where to turn. I couldn’t rely on my family financially, and began to fall deeper and deeper into an emotional and financial hole. Establishing credit was impossible. I had a huge tax lien, and didn’t have any extra money to do anything about it.

Your Guide

Luckily, I met a credit advisor from Credit Law Center and he thought he may be able to help me. I felt like it was a huge waste of his time, there was NO way he could do anything for me. We devised a game plan within 30 minutes and he took the time to give me info for a CPA that would help me with the IRS on my tax lien. The cost for credit repair was not as expensive as I had thought and he offered to work out payment arrangements with me! I appreciated being treated like a person and it was clear that my advisor was taking my situation seriously and that he truly did want to help. That was the first time in over a year I had any kind of hope. I began to establish credit in my name, Credit Law Center successfully removed all my medical collections with in 6 weeks and the CPA he referred me to came up with a compromise with the IRS. Before I met them, I had no idea of where to start or how I was going to do it on my own. I am so grateful now to have good credit, financial freedom, and my life back.”

Are you unsure what the next step is for you? Let one of our Credit Advisors guide you back to financial freedom today! 816-994-4600

Article by Breana Washington

Nine Things Smart People Do With Their Tax Refund

Saving money and investing is kind of like that New Year’s resolution you made. You know it’s worth it and you’ve said you’ll do it but a week later you’re back to old ways. We are ready to commit to being wise with our money this year-starting with the tax refund! Here is a handful of ways to use that extra money now. Let’s work smarter, not harder this year.

1. Pay Your Debts: As obvious as it sounds, start paying off your credit cards. Once those are taken care of, you’ll be able to really start saving money by no longer paying those low monthly payments towards your cards that are acquiring interest as well. This will also help your credit scores if you are keeping your balances as low as possible while still using them.

Serious man and woman sitting at kitchen table in front of open laptop computer looking at screen with concentrated expression focused on paying utility bills online. Family budget and finances2. Prepay Your Mortgage: Life happens! This is a great way to plan ahead and  take some stress of you and your family. This will also help in reducing the principal. This has a huge impact on the life of the loan. Working smarter, not harder!

savings3. Hide it! Not literally, but save it! Put a portion of that extra money away for something bigger. You may not even know what you’d use it for right now. This may encourage you to start saving as well and continue to grow that savings up even more.

4. Prep For Future Plans: If your family is planning to have kids or expecting soon, setting aside money for the baby fund is a must. Time off from a job to stay home caring for the little one, or unexpected bills in the first few months happens frequently. Knowing that you have set aside some money may put your mind at ease and a little less stress on the new parents.

</p5. Invest In Stocks: Though this may seem risky, the benefits seem to speak for themselves. The fluctuation in the market may sound like a huge risk, but long term will be great if you have no immediate need for using the tax refund. Research individual stocks or an index fund that that moves along with the market.

stocks6. Grow the College Fund: There is no time like the present to start saving for your children’s future. A 529 plan can help you especially with the rising cost of college and the amount of debt most students incur. They will be thankful for this gift when they graduate with a diploma and little to no debt dragging behind.

7. Home Improvements: If your bills were high this year you may look into replacing old units and making your home more energy efficient. Refinishing or updating is also a great investment if you decide to sell later on.

New Sheetrock Drywall & Ladder Abstract Background8. Emergency Funds: Job loss, medical emergencies or a major home repair may force you to lean on loans or credit cards. Using the refund could alleviate a little bit of the stress in these unforeseen circumstances. Keep these funds somewhere you won’t dip into and use for things not inside of the “emergency fund” scenario. You’ll be glad you did.

doctors9. Tackle Credit Issues: Being denied financing, paying high interest or getting turned down completely due to credit issues is deflating! Look into getting your credit cleaned up with a company that specializes in tackling these issues. Research companies and read up on what they do. In order to spend your money wisely, steer clear of companies that charge monthly fees that are in no hurry to work quickly.
A Note From The Author: The opinions you read here come from our editorial team. Our content is accurate to the best of our knowledge when we initially post it.

Article by Breana Washington

The Elephant in the Room-Credit Repair

The Elephant in the Room

The issue to which everyone is aware, but few want to talk about-credit repair companies.

When you hear credit repair, what pops into your mind? You may have immediately rolled your eyes and scoffed at the phrase “credit repair!” Hey, we get it! You may be picturing someone holed up in their basement, eating Hot Cheetos and hysterically laughing each time they find their next victim in need of a quick fix on their credit scores.

We are right there with you. Eye rolling, scoffing and scratching our heads at how so many people fall victim to these “quick fix” companies-if you can even call them a company. Again, we get it. It makes sense— the low fees, the promises and, of course, the emphasis they put on how your life is going to dramatically improve once you sign up for services. Hope is the driving factor for many. Who can blame consumers for hoping things can be better? These credit repair companies are not working on credit reports like Credit Law Center. We know there are no companies, at this point, that help clients the way we do.

Here’s the difference:

  • We have actual attorneys that work on your file. Yes, we have the word law in our name AND, yes, our Attorneys work for you as a represented party. We use the law as leverage to get accounts deleted for you.
  • You pay only for items successfully removed? Yes! Those monthly fees other companies are charging -that drag on and on- sound low and reasonable now! But, two or three years down the road, the cost starts to add up. We don’t waste any time trying to get derogatory items removed. We are a pay for performance Law Firm. So, you can bet that speed is what we are after!
  • Our credit advisors are here for you to answer questions, be a resource and educate. This is probably the most important part. We don’t want you to be a repeat client if we can help it! We want you to know the ins and outs of the credit game! Our goal is to get you in and out of the process as quick as possible-with as much success as possible. We win when you win!

Our Process
7 Steps for better credit

Who tells you all their fees up front? We do!

You can’t get any more transparent than that! Our website has the pricing menu, our credit advisors tell you the max you might pay, should 100% of the items come off your report. There is nothing hidden and we ensure that you know exactly what you are getting into. The only thing you have to do is decide if we are the right fit for you.

Better Credit, Better Life

The best piece of advice we offer to consumers on a daily basis is, to first, become educated. Please, research other credit repair companies out there; we have! Listen to what they have to offer. What are their fees? Do they tell you upfront? After those questions are answered, go with your gut. In January 2018 we signed over 700 clients. For many of those, they will see results in as little as 90 days. We are not here to sell you a service. We are here to help you build a better life. We have found that building trust means addressing those concerns, up front, with potential clients. So, we ARE talking about the elephant in the room.
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A Note From The Author: The opinions you read here come from our editorial team. Our content is accurate to the best of our knowledge when we initially post it.

Article by Breana Washington