LEXINGTON LAW

Lexington Law Credit Repair

The Fair Credit Reporting Act (FCRA) is designed to protect your right as a consumer to contact the credit bureaus and to dispute questionable items on your credit reports. If the credit bureaus are unable to verify the accuracy of information found on your reports, those items must be deleted.

Disputing items on your credit report should be an easy process, but so many consumers give up before they ever see results. Most don't take time to learn the relevant consumer protection statutes or formulate a statute-based plan of attack.

Defending your credit rights since 1991, Lexington Law has the knowledge and experience needed to help you effectively address your problematic credit history. From bankruptcies to charge-offs to tax liens, Lexington Law has challenged virtually every credit problem under the sun-and deleted over 600,000 items last year alone.

Lexington Law has become the trusted leader in credit report repair because we believe in our work and we're committed to our clients' success. That, coupled with our exceptional knowledge and experience in the credit repair industry, has allowed us to achieve amazing results that have literally turned our clients' lives around.

Ever since the Fair Credit Reporting Act made credit repair possible, abusive creditors have been working to make it complicated and difficult. Our fifteen years of experience fighting for consumers have helped us develop a vast arsenal of tools and strategies to make credit repair easy and effective -- the way it should be. Our simple steps:
	Step 1: Forward your credit reports. After signing up, you will begin by forwarding to us your credit reports from the three major credit bureaus. If you do not have your reports, we can help you get copies once you sign up. With each repair cycle, you will receive updated reports from the bureaus. It is important to forward each updated report to us so we can track which items were deleted. Reports should be mailed to our office, not faxed or emailed (see questions at bottom for more).
	Step 2: Choose which items to dispute. Once your credit reports are received, our staff enters the information into our database. Using our online Dispute Valet service you then choose how to dispute selected items. Sound complicated? Not to worry--our easy-to-use wizard makes this step a simple matter of pointing and clicking with your mouse.
	Step 3: Lexington works your case. Lexington begins the dispute process by drawing upon its vast arsenal of credit report repair strategies and experience to challenge questionable negative 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 loop through the cycle. (Clients who have selected an upgraded level of service will receive additional legal interventions.)
	Step 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 free 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. Thus the cycle begins anew, this time hopefully with fewer questionable items on your credit report. With the price of housing and transportation now on the rise, it has become more important than ever to achieve and maintain a healthy credit score. For those with poor credit, increased interest rates may further inflate the cost of living, making even trivial purchases seem difficult. Use the calculator below to see how much poor credit may be costing you: Numbers like this make it easy to see the financial burden created by poor credit, but the real cost is more difficult to measure. Poor credit affects more than your finances, it can attack your sense of security, and limit your personal freedom. Fortunately, the cost of working with Lexington Law to improve your credit is much easier to quantify. The Lexington Regular service level covers the essentials of credit report repair. Our time-proven methods of credit repair are employed on your behalf to help you clean up your credit reports. The tools and features of Lexington Regular are included in each of our service levels. Unlimited Disputes Included in: Lexington Regular | Concord Standard | Concord Premier No matter how many items you have to dispute, you will only be charged our low monthly fee. Lexington Law gives you unlimited disputes and unlimited deletions at no additional charge. Risk-free refund policy* Included in: Lexington Regular | Concord Standard | Concord Premier Our service is backed by a risk-free refund policy, which entitles you to some or all of your money back if enough disputed items are not removed. If we can't deliver, you won't be charged. *Terms and conditions apply. Refund Policy No hidden fees Included in: Lexington Regular | Concord Standard | Concord Premier Our regular retainer covers credit bureau disputes and client support. The Concord service upgrades leverage additional legal interventions on your behalf, and have associated service fees. We do not bill per deletion or by the hour, so you never have to worry about charges sneaking up on you. Cancel anytime Included in: Lexington Regular | Concord Standard | Concord Premier There's no contractual obligation whatsoever—your retainer agreement covers the delivery of legal services one month at a time. You are free to cancel the service at any time without penalty or further obligation.