Clear One Advantage and Lexington Law Help!!!

[dacr8tiv1]

Hello!!!

 

I am a newbie here and looking for some advice.

 

As a college student, I racked up a load of credit card debt which began to take it's toll during my last few years of grad school. In desperation, I enrolled in a debt settlement program unaware of the effect it would have on my credit. Once I realized what happened to my credit score, I ignorantly enrolled in Lexington Law thinking they could help fix my credit. I quickly learned they could not and now I would like to make an attempt to repair my credit.

 

My credit report currently shows, innumerable late payments, charge-offs (all paid), and a judgment. I don't know where to begin. Anyhelp woul be appreciated

[moosetracks]

You start by ordering all 3 hard copies of your CRs straight from the CRAs then sit down and triage your derogs into groups. I suggest working on the newest ones first as they will have the most impact on your Fico, also include older ones reporting monthly in the new category as their monthly updating keeps your Fico score depressed. Once you have them grouped then you determine how to attack each one. You can read the beginners guide and get an idea on what to do, its in the stickies on the first page of the credit forum. Welcome to the board and good luck in your rebuild