Ask The Get Out of Debt Experts Credit Report / Credit Score

I’ve Paid Lexington Law for Help With the Student Loans on My Credit Report. – Iman

“Dear Steve,

Hi, I have a low credit score and I truly can’t figure out what i can do to fix it. I’ve paid for Lexington Law but my case isn’t really about collections or wrong information. I have student loans that are reporting individually and they defaulted so that’s the negative. I’ve since consolidated them but the negatives are what’s killing me. I’m really looking for someone or a place to go to that can work with me on each line item to see what I can do to increase my score. I am in desperate need of a refinance and my score is preventing it from happening.

Do you have any recommendations? Do you offer one-on one credit assistance?


Dear Iman,

I do not offer any such service to individuals these days. Student loans are interesting when it comes to this. There are options.

How many on-time payments have you made since you brought them back into compliance with your new consolidation? Who are they consolidated with and are these government backed loans.

If you have not done so I would suggest you order a consolidated credit report with the score option. It will tell you specifically what is bringing down the score. It may also be that you do not have any current good credit to bring your score back up but let’s tackle one thing at a time.

Post your answers in the comments section below for me.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


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