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!
Do you have a bucket list? I made one right here on my blog when I turned 34. I’m happy to say I have checked off a lot of boxes. Got my bachelor’s degree in fine art, a job in design, married my high school sweetheart, had 2 beautiful daughters, and traveled. I’m proud of myself! But there was one thing left that I really wanted. I wanted to buy a house. I felt as if my husband and I were wasting money renting. Why give someone else money when we could potentially buy our own place and be paying bills toward our own home? Can you relate? The problem was our credit wasn’t amazing…and so the journey began to repair our credit and make our dreams of buying our first home a reality!
If you are planning to purchase or refinance a home but don’t have a credit score high enough, having a plan to repair your credit is essential and Lexington Law Firm is a great place to start. Lexington Law Firm offers several different packages that meet every client’s needs. It takes a little bit of work but you can do it!
Personally, I had let my credit card balance get a little too high, accidentally made a few late payments, and had some high medical bills go to collections. It took a while but I worked really hard to repair my credit and was able to purchase my first home!
We did it! We bought a beautiful house to call home. When we got the keys it was surreal and so exciting! 
Here are a few tips that helped me build my credit and can help you with your own credit journey.
- Set up auto pay on all your bills! –Did you know a single late payment can stay on your credit report for up to seven years in some cases? Yikes. That’s a long time! Set up auto pay so you don’t have to worry about missing a payment. If you set your payment to pay at least the minimum payment you won’t be late and get a ding on your credit. If you can pay more that’s even better.
- Break your payments up into 2 monthly payments per month instead of once a month. This helps with interest making paying off a bill a little easier and saves you money in the long run. Especially good to help pay off a car payment.
- Get your credit card balance down to 35%or less of your available credit. From my experience, once you do this your credit score will start climbing back up quickly.
- Bills in collections? Call them!If you can pay them, pay them. If you don’t have the money, set up a payment plan. Most collectors are willing to work with you. They just want to get paid.
- Look into your credit report. There may be inaccurate items on it. This is another place where Lexington Law Firm can help. Lexington Law understands all the complex consumer protection laws and helps fix credit errors that may be on your credit report. Because Lexington Law has long-standing relationships with all three of the credit bureaus which include Equifax, Experian, and TransUnion they understand how they can help getting errors removed from your credit report. Give them a call and see how they can help guide you to repair your credit.
We all have dreams and we can all reach them, sometimes we just need a little help along the way.
Where to next? Check out my bucket list from when I turned 34.
