navigating good credit

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This post is sponsored by Lexington Law, but the content and opinions expressed here are my own. Lexington Law Disclaimer.

Adulting isn’t all it’s cracked up to be sometimes. Sure, you can eat cake for breakfast if you want and stay up as late as you want, but with freedom comes responsibility. Navigating adulthood and managing a good credit score can be daunting, but it doesn’t have to be anymore!

My credit journey started when I turned 18. I got my first credit card and thought I was on top of the world! I was a real adult! That was short lived because I maxed it out and ended up with four or five more cards along the way. I was always responsible with my money, but I honestly had no idea how credit cards worked or how they affected my credit score. Thinking back, I don’t think I even know why I needed a good credit score.

It went on and on for a few years until I realized I owed a lot more money than what I could realistically pay off in a reasonable amount of time. The importance of a good credit score finally hit me when I needed repairs on my car. I couldn’t afford to pay out of pocket so I applied for another line of credit and was denied. I thought I had hit rock bottom. I was confused and had no idea what I was going to do. I was paying my minimums and never late on payments, so why did my score go down?

Luckily, I learned and now. I also own a home, have been able to buy three brand new cars and travel trailer without settling for a high APR or outrageous downpayment.

The moral of the story is, don’t let bad credit or no credit overwhelm you or hold you back. There’s help out there! The professionals at Lexington Law are able to assist you. No matter what your credit goals may be. There really is a light at the end of the tunnel!

In 2020, Lexington provided over 2.6 million free credit report consultations. It never hurts to reach out and see if you need some help. Clients of Lexington Law have seen over 70 million negative item removals on their credit reports since Lexington Law was founded in 2004, and that’s huge!

If you’re confused, overwhelmed or just need a little push in the right direction, sign up to stay on top of your credit with help from the team at Lexington Law.

Why I Recommend Lexington Law

Their app and website offer you a complete overview of your credit and accounts.
You can download and access your credit reports anytime from the three major reporting bureaus Experian, TransUnion and Equifax.
There’s an endless library of credit articles if you want to do your own research. Literally, all info is at your fingertips!
They aren’t pushy and don’t try to sell you on more lines of credit!
There’s COVID relief assistance at your fingertips.
Secure identity protection tools that go above and beyond.

Since discovering Lexington Law I have deleted all my other credit monitoring apps and accounts. I feel like Lexington covers all bases without all the ads. I’m happy with where my credit is now and look forward to being able to monitor it easily with Lexington Law.