“How National Action Financial Services Almost Ruined My Credit Report Forever – and How I Got them Off My Credit and Raised My Score Back Above 700 Again!”

How I Got into my Credit Card Mess

As you all know, things have not been so hunky dory, especially on the financial front since the past couple of years in America. I am not saying that it was a necessity, but I felt that getting a credit card was the only tangible solution that I could see at that time.

I thought that having a credit card would help me buy things even when I did not have ready money for it and even if I could not afford it outright. So I applied for a credit card and got it approved soon.

In the beginning it was quite smooth and I was loving every bit of the credit card experience. The freedom to purchase needed stuff without having to wait for money in my bank account felt so good.

But credit cards are not tickets to free money and each month I started receiving a bill for the outstanding amounts. I paid the bills regularly for a while but then I am not sure when and where it happened, but I missed some of my monthly credit card bill payments.

Soon I was intimated about the delayed payments by the credit card company and they called me and sent letters asking for immediate payment of the outstanding dues. But I was not at all happy about the high interest rates that the credit card company had charged me and now the total amount due had grown to an unaffordable amount.

The letters continued for a while and then all of a sudden everything settled down. There were no more pestering from the credit card company regarding the payments and I almost believed that the credit card company had forgotten all about my dues and they would never ever again pester me for the money. My joy was very short lived.

National Action Financial Services

One day I received a call from a company called National Action Financial Services and the person on the other end of the phone began referring to my outstanding dues with the credit card company. I was really perplexed about the relation between the credit card company and this National Action Financial Services Company. On further enquiry it was revealed that this National Action Financial Services was a debt collection agency and my dues were charged off to this company by the credit card company.

I did not know what to do and how to respond to this situation. By then, things changed for the worse and I began getting calls almost 2/ 3 times a day from this National Action Financial Services. Most of these calls were actually threats in plain language. The executives took turns at abusing me and harassing me. They also threatened to spoil my credit reputation forever if I did not pay up soon.

I lost a lot of valuable time in trying to negotiate with these goons via phone and via letters. Nothing yielded results and very soon I realized that National Action Financial Services had indeed tarnished my credit score and reports. My credit score was at an appalling 521 and I was terribly scared. I knew that I would never be able to get any bank loan approved or even get a job with this kind of poor credit score.

Those were the days when I felt I had reached the end of the world. But every cloud has a silver lining and for me this silver lining was introduced by my dear friend. She spoke about a credit repair service called Lexington Law and urged me to contact them soon.

The Lexington Law Firm

I took a sneak peek at their website www.lexingtonlaw.com and found that they had an exemplary history of helping debtors who had been harassed by debt collection agencies. They had helped almost half a million debtors by repairing their battered credit reports. That was all that I needed to know and I contacted them the very next moment.

Dealing with the Lexington Law Firm was a pleasant experience. The attorneys there assured me that they would take care of everything and asked me not to worry. Sure enough, this credit repair firm kept its word and within a fortnight, I received their first mail saying that they had succeeded in getting some of my negative entries removed from my credit reports. The mails continued steadily and within a short time all of the negative entries were removed from my credit reports. My credit scores improved dramatically and it was now 745. I was overjoyed that I could finally get a loan for buying a new car to replace my battered old one.

Do You Require Help?

Many of us have been facing similar troubles. Debt collection agencies have unleashed a sort of terror in USA and anybody who has come in contact with them knows that they are best avoided like the plague. If you have been dealing with debt collection agencies like National Action Financial Services, then be warned that they can tag negative entries on your credit report and leave you to deal with rotten credit scores.

Lexington Law can help you to repair your credit reports if you are dealing with foreclosure, liens, charge off, civil judgment, bankruptcy etc. Do not waste time in negotiating with the debt collection agencies as doing so can only worsen matters further.

The Lexington Law attorneys are very proficient in dealing with all matters related to credit repair. They will take up the issue with all the 3 credit bureaus and raise a dispute against the negative entries. The credit bureaus will scrutinize the matter and try to assess the truth behind the negative entries. As soon as they are assured that the negative entries have no base to rely upon, these entries are removed. Once all the negative entries are removed your credit score begins to climb up. With better credit scores, you can expect to get approval from banks for loans and look towards employment opportunities as well.

I cannot even think what my credit scores would have been now if I had not contacted the Lexington Law Firm in good time. Pulling my credit scores from 521 to 745 was not a simple feat at all. I do not tire of appreciating the wonderful service that the Lexington Law Firm gave me in repairing my credit report and putting an end to the torture unleashed by National Action Financial Services.

It is necessary to know how to manage your credit card payments in time or else you have to be prepared to face all such troubles and goon debt collection agencies like National Action Financial Services. I have now got my credit report repaired but I have learnt a good lesson as well. If not anything else, National Action Financial Services taught me to stay safe with regard to credit matters. Even the mere thought of that time spent in dealing with all the abuses and threats sends a shiver down my spine even today.

I now handle my finances more responsibly and would suggest that you do the same. But before you do that you have to mend your battered credit scores and what better way to get this done than by contacting the Lexington Law Firm today? Do not wait and allow the debt collection agencies to inflict more harm on your credit scores. Take action now and get in touch with Lexington Law attorneys right away!