Lexington Law’s John Heath lists the steps to effective credit repair, the laws protecting consumers’ rights, and how to navigate the credit repair industry
Washington, DC—In a new ebook, Inside Credit Repair: Insights from a Credit Attorney, John Heath, directing attorney at Lexington Law Firm, shares his insider knowledge on the credit repair industry and provides a step-by-step guide to consumers looking to repair their credit. The free ebook is a vital resource for those facing credit trouble or those interested in learning more about their rights as a consumer.
In Inside Credit Repair, Heath provides information on credit scores, credit reports, and credit repair strategies; debunks common credit myths; and shares his tips for dealing with credit trouble following divorce, job loss, identity theft, medical or student loan debt, military service or a national emergency like COVID-19. He also provides readers a step-by-step guide for removing a bankruptcy, charge-offs, collections, a foreclosure, a reposession, hard inquiries and late payments from your credit report.
“For over 20 years, I’ve devoted my legal career to helping people, most of whom have credit reporting problems,” writes Heath. “After many years in this practice, I’ve learned that bad credit can happen to anyone, under many circumstances and at any time….I’ve focused my practice on consumer credit repair because I’m passionate about helping consumers understand their rights and repair their credit.”
Beyond borrowing power, low credit scores can impact employment, insurance, utilities and house or apartment rentals. Heath shares data from the Fed’s 2019 survey, which shows 11 percent of people said they’d been turned down for a credit card, and another 13 percent said they didn’t even bother to apply for fear of being rejected. That’s nearly one-quarter of Americans who are unable to access credit.
“Your credit report is a cold, numbers-only accounting of what you’ve paid and what you owe,” writes Heath. “This is why it’s so important to get and read your credit reports. Until you do, you don’t know how you look to lenders—and what you find may surprise you.”
Heath shares in the ebook how to review your credit reports and explains the consumer protections in place to ensure your credit report is fair, accurate and substantiated. Many Americans may not have the time or the insider knowledge of the credit repair industry to attempt to navigate credit repair on their own, so Heath explains when to seek help from credit repair professionals and shares his tips to make sure you hire a legitimate credit organization.
“Your current credit problems don’t have to last forever,” writes Heath. “If you have money concerns, it doesn’t have to stay that way. The insider knowledge in this book may well help you resolve your issues more quickly.”
About the author: For over 20 years, John Heath has devoted his career to helping people work through credit problems. Currently acting as Lexington Law’s directing attorney, John fights for consumers’ right to a fair, accurate and substantiated credit report.