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Legal Financial Services is committed to helping individuals regain financial freedom by restoring and protecting their credit score and information.
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DID YOU KNOW? Today your credit score is like a vital sign, it's being monitored at all times. More than 43 million Americans have less than a 599 credit score. A low credit score can impact your insurance premiums & interest rates. You can be denied the ability to rent, purchase, get a credit card or even employment. Over the course of your lifetime having less than an excellent credit rating could cost you over $200,000!!! Get your score in order today!!! Call us at (702) 275-2226 or Email: email@example.com
Have you or someone you know been turned down for a loan because of your less than perfect credit score? Are you in the market for a new house, new car or just want to refinance that negative ARM loan you were sold years ago and now the interest rate has doubled, tripled or maybe even quadrupled? Contact me today at (702) 275-2226 or email me at firstname.lastname@example.org for more information on how to increase your credit score so that you can enjoy the benefits and advantages an excellent credit rating can provide.
Happy Lunar New Year to everyone! Lent season has also begun. What will your goals be for this year of the Goat? Why not regain your financial freedom and put your affairs in order? Contact us today at (702) 275-2226 to find out how we can help you. This is the year that we all deserve better!!!
Here are some testimonials of actual clients who utilized this credit restoration system. "After just 45 days I had a tax lien and a foreclosure deleted from my credit reports!" V. Ho, Westminster, CA "After having our bankruptcy removed, we were able to purchase a home with a low, fixed interest rate, which saved us almost $1,000 per month." J. and S. Moler, Dallas, TX "In just two months, my credit score increased to the point that my car insurance premium was lowered by $2,000 per year!" Y. Reid, Cherry Hill, NJ "My credit score went from a 586 to 748 allowing me to purchase a new car with no money down and a very low monthly payment!" B. Fallucca, Ft. Lauderdale, FL. Contact us today at (702) 275-2226 and you could be one of our future success stories!!! You have nothing to lose but your less than perfect credit score!
Deciding which credit repair company to use is an important decision. Don't trust those "paid-for" ratings on the internet. Do the research yourself. The closest competitor in the market today can cost you upwards of $1000.00 or more. For a ONE-TIME payment of only $499.00, we provide a full one year credit restoration service with strategic dispute analysis of your credit every 60 days. We back up that service with an industry exclusive 100% Satisfaction Guarantee. So call us today and find out how you can restore and protect your credit standing. You have nothing to lose but your less than perfect credit!
So how much does having a bad or below average credit score really cost you? Here is one example: 1.Mortgage Loans If you have poor FICO or VantageScore credit scores, you’re not going to get as low of an interest rate on a mortgage loan as someone with great credit scores would. That’s simply a fact, and it can be an expensive one. Keep in mind, too, if your scores are too low, you could be denied outright. According to Informa Research the average interest rate on a 30 year fixed rate mortgage for a consumer with a FICO score of 760 or above is 3.8 percent. If you were to take out a $200,000 mortgage loan at 3.8 percent your monthly payment would be around $935. If, however, you had a FICO score of 650, the same mortgage loan would cost you 4.9 percent, which is still a pretty good interest rate historically speaking. At 4.9 percent, however, your monthly payment on that same $200,000 mortgage would cost you about $1,060 each month. That’s a difference of $125 each month. This doesn’t sound like that big of a deal until you start annualizing the figures. Each year you’ll pay $1,500 more in interest and if you live in the house for five years that means $7,500 more in interest. If you live in an area where the cost of living is considerably more expensive—Bay Area, New York, Chicago, Atlanta, Los Angeles—then the numbers are much more impressive. Using the same score difference in the previous example, and a $500,000 mortgage you’ll pay $3,670 more per year and over $18,000 more over five years. These figures assume one house and one loan, but that’s not necessarily reality. Most homeowners buy several houses over their lifetimes. Point being is that your added cost of home-ownership is compounded because you’ll be paying more on several, consecutive or concurrent, mortgages over your lifetime. So how much of your hard-earned money are you giving away unnecessarily?
How Does Your Credit Score Rate? Most credit scores – including the FICO score and the latest version of the VantageScore – operate within the range of 301 to 850. Within that range, there are different categories, from bad to excellent. Excellent Credit: 781 – 850 Good Credit: 661-780 Fair Credit: 601-660 Poor Credit: 501-600 Bad Credit: below 500 But even these aren’t set in stone. That’s because lenders all have their own definitions of what is a good credit score. One lender that is looking to approve more borrowers might approve applicants with credit scores of 680 or higher. Another might be more selective and only approve those with scores of 750 or higher. Or both lenders might offer credit to anyone with a score of at least 650, but charge consumers with scores below 700 a higher interest rate! Where do you stand?
In just under 8 months, one of the agents utilizing our credit restoration system improved his own credit score from a 503 to 745!!! What can we get your score up to? Contact us and find out. You have nothing to lose but your less than perfect credit!
How many people do you know have less than perfect credit? Did you know statistics show that 43 million people in America have a credit score of 599 or less? Over a lifetime, a less than perfect credit score could cost you over $200,000.00 in higher fees, interest and insurance premiums. Do you know your credit score?
The Federal Government enacted the Fair Credit Reporting Act in 1970 (Title 15 United States Code Section 1681) to give ALL consumers the right to dispute and investigate ANY item on their credit report(s). This means any inaccurate, erroneous & obsolete items such as late payments, charge-offs, foreclosures, judgments, repossessions, tax liens, collections, short sales, medical bills and even bankruptcies can be removed from your credit file permanently.
The 3 behemoth credit reporting agencies are billion dollar companies that make their money selling your credit files to lenders, banks and other corporations. They DO NOT make their money by verifying or correcting mistakes, outdated or obsolete items on your credit report. Often you may even have several different derogatory items on your credit report for the same account. This all contributes to the rapid and widespread decline of millions of Americans' credit scores in the past decade.
Living in today's world, your credit score is like a vital sign and it's being monitored at all times. Everything from buying a car or your first home, refinancing that first mortgage, or even buying car insurance is affected by what your credit score is. Even scarier, sixty percent (60%) of employers ran a credit check on job applicants to determine if they would get the job. Do you believe you are immune?
Did you know the 3 major credit reporting bureaus (TransUnion, Equifax and Experian) are privately held billion dollar corporations and that eighty percent (80%) of all credit reports have some mistakes, errors or obsolete information on them? Do you know what is on your credit report?
WHO LOOKS AT YOUR CREDIT SCORES? Different types of institutions may check your credit score for different reasons. The credit grantors Any institution that lends money—banks, credit card companies, financing companies, credit unions and mortgage lenders, just to name a few—can use a credit score to help them assess the likelihood that you will become more than 90 days late on the payment of a loan. These institutions are likely to use your credit score along with other information unrelated to your credit score that they have obtained directly from you, such as whether you're working, your work history, how much you earn and your planned down payment. In general, borrowers with higher scores can get more credit—at more competitive rates. The decision makers Lenders aren't the only ones who may use your credit score. Companies may check your credit score, too. For example: Landlords may use them to determine how much of a deposit they may require from you. Cell phone companies use them to determine which payment plan you may be eligible for and whether any security deposit is required. Utility companies use them to decide whether or not to require a security deposit and, if so, how much of a deposit to require.
Another data breach was recently announced that may have exposed personal information of 11 million Premera Blue Cross members. In the past year a record number of breaches occurred, exposing millions of consumers’ personal records. To help protect your identity, you might want to consider enrolling in an ongoing identity monitoring service that will send you prompt alerts when certain changes occur so you can take appropriate action. Some companies who experience a data breach provide customers with a free credit monitoring service but their solutions may not always provide many of the tools to help protect you. Our service provides not only credit monitoring and alerts but also SSN and public record monitoring and alerts plus access to Victim Recovery Service agents should you ever become a victim. Protect yourself and your family today!
NEW YORK — Fixing an error on a credit report may become less of an ordeal for the nation's roughly 200 million credit users in the wake of a landmark agreement with the largest credit-reporting agencies that aims to make the process fairer to consumers. New York State's Attorney General Eric Schneiderman announced the deal, struck with Experian Information Solutions, Equifax Information Services and TransUnion at a news conference Monday. The reforms, he said, will help millions of consumers get the financial help they seek to pay for cars, homes and tuition by clearing up inaccuracies on their credit reports. Though negotiated by Schneiderman, the new rules will be applied nationwide. "The credit-reporting system in America ... suffers from inaccuracy and often from outright injustice,'' Schneiderman said. "The nation's largest reporting agencies ... have accepted to a degree they haven't in the past the responsibility that comes with that role, to ensure the fairness of the dispute process and their data.'' Lenders, such as banks and credit card companies, as well as collections agencies, report accounts and payment histories to the credit-reporting companies. Those firms then score an individual's collective credit data, and that metric is used by creditors to determine whether a consumer can get a loan, and what interest they'll pay if they do. A consumer's payment history can mean the difference between having to put down a deposit with a utility company, paying higher premiums on an insurance policy and whether they can get a job with some employers. Often, when consumers have tried to challenge a negative posting, credit-reporting companies have maintained the negative information based on the lender's say. Now, the credit-reporting agencies will have to rely on more than the lender's word and do an independent inquiry into the consumer's claim. "That is a rubber-stamp approach that will no longer take place after today's agreement,'' Schneiderman said. "They have to do their own independent investigation.'' Other key changes will deal with the reporting of medical debt. At least a fifth of all consumers see their credit negatively affected because of medical debt, and often it is an insurance company's delayed payment that causes the delinquency, Schneiderman says. Going forward, medical debts cannot be reported for 180 days, giving insurance companies time to make good on claims. And the credit-reporting companies will erase previously reported medical debts that have been, or are currently being paid off, instead of leaving them to scar a credit report for seven years. Debts, for tickets, fines and other obligations that a consumer did not enter an agreement to pay, can no longer be reported. But the deal announced Monday will bring about the most significant changes to the credit bureaus' practices since the Fair and Accurate Credit Transactions Act of 2003, which mandated that the agencies provide a free credit report once a year, and the creation of a website where consumers could access them. A person's credit history "transcends so many parts of our lives,'' he noted. "Not only can it cause you to be denied something that you really shouldn't have been denied ... but even if you are approved for something, like a loan, it can be priced in such a way that's not reflective of your risk.'' USA Today March 3, 2015
WHY DO MY CREDIT REPORTS CONTAIN DIFFERENT INFO??? Have you recently pulled your "free" annual credit reports and saw that there are inconsistent results and scores? Like so many other consumers, have you asked "Why are my credit reports not consistent and contain the same data as each other?" The reasons for these inconsistencies may surprise you!!! Here are just three examples: (1) The 3 Credit reporting agencies do not share their data. In the United States there are three privately owned credit reporting agencies = Equifax, Trans Union, and Experian. Each agency collects credit data of over 200 million consumers - essentially anyone who owns a social security number. Once that data is compiled it is then sold to lenders, credit card companies, employers, and any other party that has a legal right to see it. Contrary to popular belief, these 3 agencies are competitors and therefore do not share consumer data with one another. (2) Not all businesses report to all 3 credit agencies. Creditors and lenders choose whether or not to report information about their customers’ payment habits - good or bad - to the credit reporting agencies. Credit reporting is 100% voluntary. There is no law which requires lenders to report any information to the credit agencies at all. Reporting to all three credit agencies also require time, energy and "man hours" by those lenders. Because of this, there are many lenders and businesses, especially smaller lenders, who do not report to all three credit reporting agencies but rather report to only one or maybe two. (3) Public records reporting are often inconsistent. Courthouses do not actively report public record information to consumer credit reports, like a lender would report a credit card or an auto loan. Instead, the credit reporting agencies themselves use public record gathering services to proactively collect public record information from courthouses. Bankruptcy reporting however is very consistent and typically a bankruptcy will end up on all three credit reports. However, tax liens and judgments often will not appear across all three of your credit reports. This is due to the fact that each credit reporting agency sets their own policies regarding which public records they will collect and which public records they will ignore. There can be many other reasons in addition to those listed above, which can lead to inconsistencies between your three credit reports. This is why our service targets all 3 reporting agencies simultaneously to ensure that ANY ITEMS regardless of what report they show up under is addressed, removed or updated to reflect a positive record. Call us today and let us help you clean up your credit!!!! (702) 275-2226 or Email: email@example.com
Don't throw away your hard-earned money! If you have a less than perfect credit score, you could be losing money you don't even know about. Here's another example: 2. Credit Cards The average rate on a general use credit card is somewhere around 15 percent. Your credit cards are likely to be the most expensive debt source you have. The cost of a poor credit score relative to credit card debt is much more pronounced than any other financial service or product. At 15 percent, someone carrying even a modest $5,000 in credit card debt and making the minimum payment will end up paying back over $12,000 and it will take over 27 years to do so. Someone who has poor credit is going to pay a considerably higher interest rate on those same credit cards. It’s not unheard of for someone to pay almost 30 percent interest on a sub-prime credit card. So, doing the same math on the same amount of debt in the previous example, the new numbers look like this…(you may want to sit down): At 30 percent someone carrying $5,000 in credit card debt and making the minimum payment will end up paying back over $132,000 and will take over 30 years to do so. It doesn’t end with mortgages and credit cards. Auto loans, insurance premiums, and utility companies all use credit scoring as a basis for your rates, premiums and deposit requirements. There’s simply no getting around it. Poor credit scores make life more expensive. Contact us today and let us help you regain your financial freedom!
Did you know every 3 seconds someone's identity is stolen? In breaking news today... SAN FRANCISCO - As many as 80 million customers of the nation's second-largest health insurance company, Anthem Inc., have had their account information stolen, the company said in a statement. "Anthem was the target of a very sophisticated external cyber attack," Anthem president and CEO Joseph Swedish said in a statement posted on a website the company created for information about the incident. The hackers gained access to Anthem's computer system and got information including names, birthdays, medical IDs, Social Security numbers, street addresses, e-mail addresses and employment information, including income data, Swedish said. USA Today_Feb. 5, 2015 Contact us today and find out how you can protect yourself!
What would it be worth to you to have excellent credit? The market price today to hire an attorney to fix your credit ranges from $3,000.00 to over $10,000.00 and there is no guarantee of results. Often there are even hidden charges for per-item removals. But would that price be worth it if you are buying your first car or home or refinancing your current mortgage and you could save thousands of dollars in the future? Here at Legal Financial Services, LLC, we can help you restore your credit score for a one-time fee of only $499.00 and back up our commitment to you with a 100% Satisfaction Guarantee! Contact me today at (702) 275-2226 or email: firstname.lastname@example.org You can even PM me here if you have any immediate questions.