Credit Repair:

Your credit score has a direct impact on so many different areas. One of the most important is the interest rates of your loans. It is your responsibility to maintain the accuracy of your credit report. The credit reporting system is not perfect and does not always work in your favor. Odds are that there are items on your credit report that shouldn’t be there.

Can my credit score be legally repaired?

Yes, Because of the Fair Credit Reporting Act, you have the right to dispute and delete any items on your credit report that you feel are inaccurate, untimely, misleading, biased, incomplete or unverified. You can also work with your creditors to delete negative items from your credit report.

Does paying my debt restore my credit?

While paying debts and staying current does help your credit score paying off bad/old debt doesn’t disappear from your credit report. Once the old debt is paid it may appear as paid delinquency, charge off or collection on your credit report.

How long does credit repair take?

No one can give you a guarantee as to how long it will take. Most issues can be resolved in 3-12 months after the process of disputing has begun

www.lexingtonlaw.com

About LexingtonLaw:

The idea for the firm stated in 1991 when several lawyers and credit experts meet to come up with a solution for the credit repair industry. Out of that meeting LexingtonLaw was born. Today they have served over ½ million clients and removed millions of questionable negative items for their clients credit reports.

AFFORDABILITY

As you would expect from a consumer advocacy law firm, Lexington Law has gone to great lengths to make its services affordable to its clients. You can get started for as low as $39.95 a month and a one-time $99.95 first-work fee, all charged only after that work has been completed. Their services are backed by a refund policy, and clients may cancel at any time.

How it works

Stage 1: Forward your credit reports.

After signing up, you will begin by forwarding your credit reports top LexingtonLaw from the three major credit bureaus. If you do not have your reports, LexingtonLaw can help you purchase one instantly. With each cycle, you should receive updated reports from the bureaus. It is important to forward each updated report to us so we can track which questionable items were deleted.

Stage 2: Choose which items to question.

Once your credit reports are received, their staff enters the information into a database. Using their online Case Valet, you then choose how to challenge your questionable listings. Sound complicated? Not to worry, our easy-to-use wizard makes this step a simple matter of pointing and clicking with your mouse.

Stage 3: Lexington works your case.

LexingtonLaw begins the dispute process by drawing upon our vast arsenal of credit report repair strategies to challenge questionable items directly with the credit bureaus. Depending on the number of questionable items on your credit reports, this step will be repeated for each subsequent cycle. (Clients who have selected an upgraded level of service will receive additional legal interventions.)

Stage 4: Sit back and relax.

The credit bureaus have 30 days to investigate your dispute. After that, they must inform you of their results and send you a copy of your updated report. It usually takes 60 days from the day we send a dispute to the day you receive an updated report. When you receive a response from a bureau, make a copy of the updated report for your records then send the original to Lexington Law. The cycle begins anew, this time hopefully with fewer questionable items on your credit reports.