Lexington Law - Review
Lexington Law is a credit repair firm that is headquartered out of Salt Lake, Utah.
There are over 400 employees and 22 credit attorneys. Their business started in 1991 and they have served 1/2 million people. They will dispute questionable items on your credit.
Is credit repair legal?
Yes, this is legal and credit repair is your responsibility. The Fair Credit Reporting Act gives you the right to dispute any item that you feel in inaccurate on your credit. Also this law says that any item that is not verified must be erased by the credit bureaus.
How will it work?
You get a copy of your credit reports and forward them to Lexington. You also indicate what items you feel are inaccurate.
Then Lexington will create a dispute letter on your behalf and send it to each credit bureau. Then you will receive notification from the bureaus regarding the disputed items and if they were verified by the creditor or if the bureaus removed the item from your report. You then forward these updates to Lexington.
How long is it going to take?
This will depend upon how many items you are disputing. You should expect it to take at least 6 months and for most it should not exceed 12 months.
How much does it cost?
They have three levels of service. The prices are $39, $59, and $79. There is an upfront set up fee of $99.
Can I do this myself?
Yes, you actually should dispute you credit if you have minimal damage. To dispute you credit you must create a dispute letter and send it to each bureau.
Upon receipt of you letter the bureaus will conduct an investigation into the item. They will contact the creator of the negative item and ask them to verify the account, the balance on the account, and the dates. If the item is not verified then the bureaus will delete it from you report.
What else should I do to repair my credit?
We suggest you open a new revolving line of credit such as a credit card. This will help you to build a positive payment history by making your on time monthly payments. This factor is almost as important as negative items when your score is calculated.
In sum, you do not have to live with a low credit score. You can remove negative items and by building a positive payment history you can repair you score.
There are over 400 employees and 22 credit attorneys. Their business started in 1991 and they have served 1/2 million people. They will dispute questionable items on your credit.
Is credit repair legal?
Yes, this is legal and credit repair is your responsibility. The Fair Credit Reporting Act gives you the right to dispute any item that you feel in inaccurate on your credit. Also this law says that any item that is not verified must be erased by the credit bureaus.
How will it work?
You get a copy of your credit reports and forward them to Lexington. You also indicate what items you feel are inaccurate.
Then Lexington will create a dispute letter on your behalf and send it to each credit bureau. Then you will receive notification from the bureaus regarding the disputed items and if they were verified by the creditor or if the bureaus removed the item from your report. You then forward these updates to Lexington.
How long is it going to take?
This will depend upon how many items you are disputing. You should expect it to take at least 6 months and for most it should not exceed 12 months.
How much does it cost?
They have three levels of service. The prices are $39, $59, and $79. There is an upfront set up fee of $99.
Can I do this myself?
Yes, you actually should dispute you credit if you have minimal damage. To dispute you credit you must create a dispute letter and send it to each bureau.
Upon receipt of you letter the bureaus will conduct an investigation into the item. They will contact the creator of the negative item and ask them to verify the account, the balance on the account, and the dates. If the item is not verified then the bureaus will delete it from you report.
What else should I do to repair my credit?
We suggest you open a new revolving line of credit such as a credit card. This will help you to build a positive payment history by making your on time monthly payments. This factor is almost as important as negative items when your score is calculated.
In sum, you do not have to live with a low credit score. You can remove negative items and by building a positive payment history you can repair you score.
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For more about Lexington Law Firm or for an article about how to remove credit card judgments visit us.
posted by Debt Consolidation Loan at
5:03 PM
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