Lexington Law provides a pay-as-you-go program to credit repair.  Their low cost approach is very much in line with the philiosophy of Mortgage Revolution and the Revolution Group - low cost, great service, repeat business and referrals!! 

Here are 7 Steps to Re-building Your Credit  

1. PAY ALL YOUR BILLS ON TIME: The single most important component to your ‘credit life’ is paying your bills on time.  Regardless of what is going on in your ‘financial life’, how you pay your bills will affect how lenders rate you as a prospective borrower.  Ultimately, the interest rates you pay on your mortgage, car loan, personal loans, and almost any other loan or form of credit you can think of, is impacted on your credit rating.  Balance your checkbook carefully - if you excessively bounce checks and pay finance charges, this may be reflected in your credit report.
2. REVIEW YOUR CREDIT REPORT ANNUALLY: It's important that you monitor your credit report regularly for errors.  If your report contains information you believe is incorrect, contact the bureau and request that they investigate the error. There are professional companies that will fight to remove negative, inaccurate, misleading or unverifiable items form your credit report, so you can improve your credit.
3. UNDERSTAND YOUR CREDIT SCORE: Consumers who know how their credit scores are calculated can work towards achieving a better outcome. Contact us for information on how credit scores are calculated and interpreted.
4. OPEN BANK ACCOUNTS IN YOUR NAME ALONE: Open your own savings and checking accounts. It is a vital first step in achieving financial independence.
5. GET A CREDIT CARD: The best way to establish good credit is to get a credit card. Depending on your credit history, this may or may not be an easy task. A secured credit card is an excellent way for someone with dented credit to build a good rating, with a secured card, you give the bank or credit card company a deposit and your card has credit limit for the same amount. To establish a good credit history, you need to use the card and pay off the debt on a timely basis. CPAs suggest that you only charge what you can afford to pay back at the end of the month. A good strategy is to use credit for a specific purpose, such as buying gas for your car. After using the secured card and paying your bill regularly for a year, try to negotiate with the company for an unsecured card. Click Here to find a credit card to fit your needs.
6. ESTABLISH AN EMERGENCY FUND: Setting up an emergency fund is the best way to prepare for any future financial setbacks. Consider the amount of money you need to pay your bills for housing, food, insurance, medical care, and other necessities for six months to a year. Then work at setting aside small amounts each month until you have an emergency fund equal to the amount you would need to cover six months worth of living expenses. Resist the urge to tap into this money unless you are facing a real financial crisis.
7. GET GOOD FINANCIAL ADVICE: Rebuilding your financial life requires planning, hard work and discipline, if you can’t seem to manage on your own, call us for a free consultation.  We have the same goal - to improve your financial, credit and investment life....for life!  You'll see how we've helped foreclosed and bankrupt homeowners, re-establish their credit, purchase another home, even begin real estate investing to provide for their retirement.  Call Chad at 952-417-0000 and lets start today!