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Residents of San Antonio are lucky, as they are living in an affordable location. When it comes to cost of living, San Antonio is more affordable than almost all large cities in the US. In fact, the costs of living and renting homes are below the national average here i.e. 14% lower. Transportation, groceries, utilities, healthcare, and whatnot, San Antonio is the dream city for those looking to live a peaceful life without breaking the bank.

However, it is not all good news for the people of San Antonio. Recently, the housing market has been seeing the prices go up quite fast. Just in 2016 and 2017 combined, the home prices have gone up by more than 18%. But that’s not the worrisome detail. What worries the residents of San Antonio is that their incomes have not gone up at that speed. Even more disturbing is the credit card debt in the city. On the list of the worst populous metropolitan cities in the US with the highest credit card debts, San Antonio ranks 5th unfortunately.

According to this recent Creditcards.com analysis, the median income in San Antonio is $29,124 whereas the average credit card debt in the city is $7,070. That’s a lot of credit card debt considering the fact that the only other four cities with worse credit card debit are Houston, New York, Dallas-Fort Worth and Washington D.C.

Credit Card Issues Aren’t without Their Solutions

You don't have to search further if you too are struggling with credit card debt. Lexington Law Firm can help you with your credit card, home loan, auto loan and other credit issues. We understand that certain challenges in life such as medical emergencies, job losses, etc. can find even the best earners off guard. You can give us a call right now and explain your situation or read further to know how your credit history builds and what affects your credit score.

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Some Credit Score Lies That You Should Not Believe

You Should Use Your Debit Card to Improve Your Credit Score

Things would be a lot easy if that was the case. Your debit and credit transactions are not related to each other however. It is only the credit transactions that can affect your credit score. Transactions on your debit card will not affect your credits core.

Your High Income Solves the Credit Score Problem

How much money you earn cannot put a positive impact on your credit score. Your credit score is a measure of your good management of credit that you borrow from lenders, banks and other institutions. Delay a payment on your mortgage and your credit score will go down regardless of your income.

You Have a Lot of Time before Your Credit Score Suffers

You are safe until a missed or delayed payment on your debt. As soon as you delay your first payment, credit bureaus will record it as a bad event on your credit history that will linger for seven years. In short, you do not have a lot of time before your credit score goes down.

You Don’t Really Need a Credit Repair Company

You need a credit repair company because they have professionals to take care of these matters. Just like a plumber is the best person for fixing plumbing issues and an electrician is for electric issues, a credit repair professional is the right choice for credit repair issues. These professionals know the most effective methods to help boost your credit score quickly.

Your Record of Credit Inquiries

When you apply for credit, lenders pull your credit report. They pull the report as many times as you apply, and that creates a record of your credit inquiries. Keep them at a minimum in a given period.

What If Your Credit History Goes Bad and You Leave It As Is?

how credit scores work?

One way to get rid of bad credit history that a lot of people consider is leaving it untouched. In their minds they are thinking, “Oh well, I won’t do any credit transactions and my record will be clean after some time.”

While that’s true to some extent, they might not realize how long it takes for the bad records to disappear from their credit histories. Here is some information on how long certain events stay on your credit history for. Call San Antonio Credit Repair today!

Impact Of Credit Scores On Financial Products

credit cards

Your credit score can impact any credit-related financial products to a large extent.

In fact for loans, mortgages, credit cards and any other transaction in which lending is involved, your credit score will be considered a threshold that determines whether you get the funds or not.

If your credit score lies below 630 you will not be cleared for any funds, you may have to go the credit repair route for this.

What's Affects Your Credit Score?

Your credit score is not just determined by how much you have paid back or failed to pay, there are other components that also affect this rating. Your credit score will consist of the following components

credit cards

History of Payments

Burden of Debt

Length of Credit

Credit Type

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Professional Credit Repair Assistance from Lexington Law Firm

We are the professionals you need by your side to fix your credit repair issues in San Antonio. We become the front man for you once you choose us to help you with credit repair. Let’s take a look at how our professionals can help you reclaim a good credit score.

You don’t have to be worrying about your credit issues, family matters, work-related challenges, and what not because that’s a lot of stress. Our professionals can take care of your biggest worry i.e. credit repair, so you can focus on what’s important for you.

We will help you see your credit score for free so you know where you are standing at any given moment.

We don’t believe in trial and error while working with you. Moreover, we will work on things that instantly help boost your credit score. We will talk on your behalf with credit bureaus so you can live in peace.

Use our intuitive dashboard that we provide for you to get updates on your case.

We have helped thousands of credit-challenged people like you in the past repair their credit. You too can boost your credit score by 40 points like them with our professional assistance.

How To Keep A Good Credit Score?

 

You can try to take on this situation yourself but it is a dangerous route. You might not understand the very fine and minor details that can completely ruin your credit rating. Sometimes, people spend years trying to fix things on their own only to realize in the end that they were on the wrong road from the beginning. Let our professionals handle these matters for you and here are the benefits you can expect.

Despite your financial expertise, credit repair is best left to a company with years of experience. One of your options, is to work with the trusted leaders in credit repair, Lexington Law Firm.

how does credit repair work

This is what you can expect

  • Work to improve your credit reports
  • Receive a free summary report and credit score
  • Talk with a credit consultant about your reports
  • Access online dashboard with updates

Lexington Law Firm’s Stories

credit repair in San Antonio review

You were very professional and willing to help with my situation. Lexington Law does not pass judgement and I can hear the care and concern of my situation. Sympathetic Joshua B

credit repair of San Antonio review

Results on solving my issues have been excellent. The Customer Support has been overwhelmingly fantastic! Choosing Lexington Law has been by far the best choice I could have made, I look forward to our continued success in repairing my credit.Gail L

credit repair company San Antonio review

Results have been fantastic! In such a short amount of time, I am so impressed with Lexington Law, I would recommend it any and everyone. We are hoping to have the credit to purchase a home this time next year. The client dashboard rocks, so informative.Andrea P

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You Will Be Able To

780 credit score
Work to improve your credit reports
780 credit score
Receive a free summary report and credit score
780 credit score
Talk with a credit consultant about your reports
780 credit score
Access online dashboard with updates

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