My Lexington Law Review


meAfter my divorce, my credit was so bad that I worried I wouldn’t be able to get a new home when my auto lease was up. I worried that it would affect my ability to rent an apartment or even get a new job. I did some research on what it would take to quickly improve my credit score.

I was on the edge losing sleep at night because I wasn’t able to Afford a new home for my family.

When I first reading these Lexington Law reviews, I was skeptical, but I decided to sign up and give their services a try anyway and see what happened. Wow, was I glad I did! My credit was really bad due to situations relating to my divorce, but after working with Lexington Law for only a few months, my score increased by over 85 points! I went from a score of 513 in April to 600 by July. I have to say that I was thoroughly impressed! In a nutshell, what they do is write letters to the creditors requesting evidence to support the poor credit mark, inquiry, etc.

If the creditor does not respond or cannot provide proof, then the mark must be dropped from the credit report. I know that some people ask why they should pay for this service when it’s something they can do themselves. It’s the same reason a person would hire a maid to clean their house or take their car to the shop instead of repairing it at home. Yes, I definitely could do those things myself as well, but having a professional do the work leads to much better results while freeing up my time for the other things I’m busy with in life.

I tried sending a few letters to the creditors myself, only to find that they were returned to me with incorrect addresses or received no response at all.

Honestly, I wouldn’t have known what to do with the information had I gotten it. My time is valuable to me and I was wasting it trying to navigate the credit system myself, so I handed it over to the professionals at Lexington Law. I’m not normally someone who writes reviews about much of anything unless I feel strongly about it one way or the other, but I was so pleased by my score increase that I decided to write my own Lexington Law review.

I had good results when I first used the services provided by Lexington Law, (I got hired at a new job that did a credit check and approved to purchase a different vehicle!) but when the time came that I needed to cut some expenses, I unfortunately had to cancel my plan before I got my score back where I wanted it. Now that I’m back on my feet, you can guarantee that I’m going back to Lexington Law to see what else they can do for my credit!

How To Manage Your Business Finance


Business finance is an important aspect that drives the success of a business, therefore knowing how to manage your business finance is a must do. If you lack knowledge on how to manage your business finance, and do not employ the services of a financial expert your business will struggle financially and eventually fail. The following are some of the methods that can be employed in managing business finance.

Follow These Steps:

i. Use of good accounting practices and bookkeeping. An understanding of assets and liabilities, and balance sheets is also important in knowing how to manage your business finance. Accounting enables the business owner to manage and forecast business’ finances. The financial reports provide information that is important in understanding the finance of the business. This can be done with the help of an accountant or using an accounting software program. Bookkeeping refers to recording and maintaining financial records.

ii. Avoid unnecessary expenses and maximize income. Expenses that can be avoided should not be incurred. Less spending means increased profits. This can be achieved by lowering fixed expenses such as rent, use of contractors instead of permanent employees (outsourcing is also a viable option here), cutting on staff expenses and doing away with inventory that is not required. Income can be maximized by pricing appropriately, extending credit only when its necessary and ensuring payments are made on time.

iii. Cash flow tracking. Proper management of money that comes in and out of you business ensures business makes profit. You should know all the financial information to ensure any decisions on the business finance are based on facts. Creating a cash flow budget from which you can make analysis should provide information on your business finance. This will help you make appropriate adjustments on your cash flow budget.

iv. Plan for financial emergencies. When the unexpected happens, are you prepared to sail through and survive? A plan on how to manage your business finance at such times is important. During bad economic conditions, the business can easily fail if there are no measures in place to remedy the effects of the economy on business finances. Minimizing expenses is the best solution on how to manage your business finance. A plan to deal with start up financial problems such as source of funding is also important.

Business success comes from knowing how to manage your business finances. Practicing these methods will ensure continued business excellence.


The Importance of Checking the Credit Rating of a Company