Lexington law was never the place to go anyway I recently needed to get my score up and did some major things that helped
number one concentrate on bad things on your report that are 18 months old or less as those will effect the score the most, if you are going to settle a bad debt ask them if they can issue you a deletion letter some will some wont.
A few things people dont notice will kill scores
Go to a mtg. broker that uses a service like credit plus, it allows him to run your credit once and then the bank can use credit plus to verifiy the report givin its less then 30 days old, or else the broker will run your report then every bank he tries to get you a loan with and bamn you got tons of people pulling your credit = points go down for each hit.
Number 2: if you have a CC that dont report the CRedit Limit you are going to lose major major points, for example you have a capital one, or amex plat or amex black, it will show on your credit report that your balance is your limit and thats really bad, cancel those cards temporary until your loan goes thru, having a no limit card meant 20 points less so cancel it temporary and do a rapid rescore some info on no limit cards
http://articles.moneycentral.msn.com...ditRating.aspx
The above link explains "credit utilization," once you read it you will understand the next tip better
Pay off every account you have fully, you will be shocked how that will imporve your score
rapid rescore ask your mtg broker to help with that, say you fixed something with a creditor on march 1st but he dont report it until march 25, well by paying approx 90bucks to the beaure per account you want to rescore rapidly you will be able to give them a paper from the creditor saying settled or please delete and the credit beaure will rescore your score within 48 hours
and remember never ever be afraid to ask a creditor something they cant kill you, be aggressive ask to speak to a supervisor whatever because remember when you get a rate for a score that under 700 depending on the loan amount it can mean thousands of dollars extra a year etc
sorry for bad grammer and spelling im real busy
hope this helps