Although our credit score is not always an accurate representation of who we are or our ability to pay our debts, a low credit score can affect where we live, what we drive, and what we can afford for many years come. Fortunately, the removal of negative items from your report is an effective method of improving your credit, which I recently learned is easy and relatively affordable when you have a law firm working in your corner.

Last week, I saw an interview with Corey Jex, an IT worker for an e-commerce site, about his 8-month experience with Lexington Law, the leading credit repair service with over 25 years in the business. It prompted me to study reviews about the firm on publications and social media. Lexington Law had the highest ratings and the best success rate of all credit repair services I researched. Just last year, their clients saw 7 million removals from their credit reports with an average of 10.2 items removed in the first 4 months. From late payments to charge-offs to bankruptcies, their firm has improved their clients' credit by removing practically every type of questionable negative item.

Corey got his first credit card in college, where he studied economics. To his surprise, credit reporting and scoring practices were not in the curriculum. As a finance major myself, I also didn't learn anything about credit in school and made the mistake of taking out student loans with high interest rates that I wouldn't be able to afford later on. It's some very practical stuff that many of us have to learn the hard way.

Corey found his low score prompted him to have pay extra money in a lot of places like in additional security deposits, and higher interest rates. "I certainly didn't think my credit score was an accurate representation of what I brought to the table personally, professionally, from an accountability standpoint even."

Corey tried to improve his credit score and report on his own, by sending out challenge letters to each creditor, which was a lot of work. "I had a big Excel spreadsheet tracking when I had sent, and who I had sent to. Then I had to send it back to a bureau. I think in choosing to work with a law firm, like Lexington Law, I was not only able to make less work for myself, but also certainly expedite the process as well."

Lexington Law developed a streamlined processes to reduce costs so lawyer-backed credit repair services could be more affordable. Their experienced attorneys and paralegals are trained in consumer protection laws, helping you resolve items on your credit report in the fastest and most effective way possible. Corey described his experience with Lexington Law's staff:

"No one comes into this situation excited to talk about this stuff, right? You screwed up in college, or missed a couple credit card payments or whatever it was. And you're a little embarrassed. It was refreshing how enjoyable the people were to talk to, and they weren't judgmental; they were understanding. Their goal was not to talk about the past, but to talk about the future."

Lexington Law helped Corey get rid of all the big blemishes from two of his three credit reports, and they are currently working on the third. Corey's goal is to make the next big steps in his life (buying a house and starting a family) as easy as possible with the help of Lexington Law.

Update: Lexington Law is offering our readers a free credit repair consultation, which includes your FREE credit report summary and score. You can follow this link, or call 844-864-9095 to take advantage of this no-obligation offer.

Call anytime between 7am and 11:59pm EST to get your free credit report and score!