This post is sponsored by Lexington Law but the content and opinions expressed here are my own.
My credit score is not something that I grew up thinking about; although as an adult, I wish I had. When I was younger, I definitely made some mistakes financially and took on more debt than I should have. From student loans to rent and car payments, I found myself drowning in bills and in debt. This caused a few tough years for me as I struggled to pay them off. It took several years of good credit monitoring to bring my FICO™ score up and allow me the many perks of good credit. Now that I am back on track, I am doing everything I can to keep it that way. I am now able to earn points to take those special vacations and buy that SUV I have been wanting! One way to ensure this is by monitoring your credit through Lexington Law. Keep reading to find out my top 5 reasons to monitor your credit and how Lexington Law can help.
How Can Lexington Law Help?
Lexington Law is a trusted leader in credit repair. As a law firm, they have actual lawyers who drive the credit repair process and will even intervene with client cases when the need arises. Lexington Law will assist you in the process of identifying and addressing unfair, inaccurate or unsubstantiated negative items on a consumer’s credit report and then help you work to repair your credit.
Lexington Law can also identify negative items on your credit report. These negative items include anything from collections and late payments to bankruptcies and repossessions. They can identify if these are negative or fair items and proceed accordingly. Since the negative can unfairly affect your credit score, it is important to identify them.
Keep in mind that while Lexington Law is absolutely confident in its proven process, there is no guarantee of results, but from my personal experience, my credit has improved since signing up with Lexington Law. Kickstart your credit repair efforts with Lexington Law.
5 Reasons to Monitor Your Credit
1. Identity Theft
Your finances could be draining without you even noticing it. Identity thieves are really good at making this difficult to notice and even more difficult to trace until it’s too late. This is so common these days and easy to prevent by keeping your personal information private and by monitoring your credit monitoring.
Inaccuracies in credit reports are quite common. But you may never know about them if you don’t check your credit report at least once/year. Your credit score may be lower than you had thought due to inaccurate claims against you. You cannot dispute what you do not know.
3. Check for Others’ Mistakes
Have you been a cosigner? I have, and it really affected my credit when my “friend” stopped making payments on an account that I cosigned for. I did not know about this until I checked my credit report. This is also something to think about when you cosign on a car for your child and have them financially responsible for the payments. I’m pretty sure that when my kids are old enough, they may not freely let me know in fear of being in trouble.
4. You Can Get That New Car
Yes, you read that correct! A new car is so much easier to buy or lease with a good credit score. And to keep a good credit score, credit monitoring is key!
5. More Freedom to Travel
This is a big one for my family since we love family trips. When your credit is monitored, not only will you have extra “fun money”, but you will be able to get the best credit card that gives you more miles and discounts on hotels! We love using our points for vacations. Traveling with my family creates memories that will last a lifetime!
Check out some related post HERE