Archive for: June 2013

What to do if you need Bad Credit Help

Get Bad Credit Help.

If you are struggling with bad credit, Legacy Legal can help. Legacy Legal is a professional team of paralegals who has helped thousands of consumers, like yourself, improve their bad credit. Our goal at Legacy Legal is to see our clients achieve a credit score of at least 700, which enables them to get the most favorable rates and terms for loans, mortgages and insurance and can even help them get a job.

How to handle Bad Credit History Repair

What does “Bad Credit History Repair” mean?
If you have bad credit and would like to repair it but don’t know how, you might type “bad credit history repair” into a search engine to pull up information on how to repair your bad credit history. Bad credit repair does not mean bad service from a credit repair company or that credit repair is bad. It simply means bad credit history that is in need of repair.

You do not need to be trapped by bad credit!
So many American consumers are trapped by bad credit. You may be one of them. Whatever the circumstances that led to your bad credit history, you can improve it through the credit repair process. There are people who will say that repairing bad credit is illegal or unethical and that only time and responsible money management will improve your credit report. Yes, these are certainly important factors, but at the same time there is more you could be doing to repair your bad credit history. There is a legal and ethical process that can lead to the removal of many negative items on your credit report.


“Paid in full” charged off account is better

charged off

Dear Experian,
If you have a charged off account, is it better for it to show “paid in full” or “settled for less?”

Dear JMN,
It is always better for an account to show it was paid in full than to show it was settled for less than the full balance.

A status of “settled for less than full balance” means that you negotiated repayment of the loan for less than was actually owed. Any time you fail to repay the full amount you owe it will be considered negative.

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