When debt collection agencies post negative information to the credit bureaus, your score is automatically affected. No matter what happens, creditors are getting richer because of the way they are selling debts and moving people’s lives around in order to make a profit. It’s important to realize that if you have debts in collection, you don’t have to be apart of this merry-go-round. There are ways to get out of debt and you don’t have to wait for seven years to do it. For one, you should monitor all activity on your credit report. At any time, people can request your credit report, and it’s important that those requests don’t reflect negatively on you. You can also dispute any wrongful information listed on your report. If you can get the help of Lexington Law reviews, you would really be in better shape to take on debt collection agencies. They have a really great program for people with low credit or bad credit who have discrepancies on their credit report and want to dispute. They may have been denied recently, but that doesn’t matter. Lexington Law works with a variety of cases and they’ve been successful at helping people out of debt. They’ve also allowed people to get a higher credit score just in a matter of months. This is the kind of help that everyone deserves when they are dealing with ruthless credit card companies and debt collection agencies. You shouldn’t be subject to that harassment and a lawyer can help you.