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sky blue credit Vs Lexington law?

Hello Everyone, I am in the process of putting my life back on the right track after a few rough patches over the past year.. Any Pros and Cons between those 2 credit repair companies (sky blue credit Vs Lexington law)?

Yes, they are pros at cons. Credit repair is a scam. Legitimate derogatory items remain on your credit report for 7 years. Even if a credit repair company manages to get something removed, it is very likely to return the next time the creditor updates or when the debt is sold to another collection agency.

Don’t waste money on credit repair. Instead work on establishing new credit history and negotiate settlements of the old debt.

credit score?

Ok, So i have two credit cards. One with 800 and one with 200. i also have a kohls charge account with about 400 on it. I have had these for about 2 years…I have been late alot and have missed a few payments. I also have a debit card. I ususally just pay the minimum amount. I also have a few bills out there that I have never paid and I still didnt pay them when I got the Collection agency letter. I have a few un-paid parking tickets too…Do you think my credit is wrecked? I mean I dont miss that often on my payments, and I havent been late that often, but I do go over my limit here and there…Is this bad? Its not that much $ so I wouldnt think that it would effect my credit….???????

All those things will affect your score negatively but its not wrecked. You need to stop going over limit and pay on time and it will get better with time. I have been late with my cards in the past but for some reason when I caught up most of them reported that I had always paid on time.

Florida hosptial wanting to place a lien on house?

A family member has an outstanding bill from a local hospital for $35,000. She’s unemployed due to health conditions and only receives a small widow’s pension from the Vets. Admin. She had worked out a plan with the hospital to pay it off. Then they suddenly stopped sending her the bill and now she has gotten a threatening call from a collection agency claiming to represent the hospital. In the call the man stated that if the debt is not paid off they will place a lien on her house. She has filled out all paperwork for Medicaid assistance but has been denied numerous times. She has called the finance dept of the hospital many times but has yet to get a call back. Does anyone know what she can do or what course of action she can take to avoid the lien being placed? Thank you for the help!!

There is no point in trying to contact the hospital, they have sold her debt to the collection company.

For them to actually file a lien on her home they will have to take her to court and get a judgment first. Even if they do this there really is not a lot that will happen unless she trys to sell the home. Then the collection company will be paid out of the profits after the first mortgage (if there is one) is paid and your family member will get any remaining funds.

As far as her widows pension, it’s exempt from garnishment unless it’s by the Federal Government so she doe’s not have to worry about that either.

She can try and work out some sort of payment plan with the collection company, but if this fails she really doe’s not have a lot to worry about.