Lexington Law

Lexington Law

Professional Credit Report Repair Services

Lexington Law

Professional Credit Report Repair Services

Lexington Law provides professional credit report repair services for customers looking to improve their credit score and receive lower interest rates. Lexington Law provides top-notch service with individual customer care.

As a consumer advocacy law firm, Lexington Law's services go far beyond consumer credit. Our experienced attorneys serve clients in many areas of law with the dedication and integrity we are known for.

Lexington Law is the leading firm in credit report repair for a reason: We make the process easy and effective for our clients. Our services have proven so effective that participating Concord-level clients have seen an average of 8.7 total removals from their three credit reports by month 3, and 28.6 total removals by month 12.

Lexington Law leverages your consumer rights and our unparalleled experience to engage the credit bureaus and your individual creditors. We work on your behalf to remove questionable negative items from your credit reports.

Lexington Law makes credit repair easy for you. Simply send us a copy of your credit reports, tell us which items should be disputed, and sit back and relax while our firm works on your case.

Lexington Law

Professional Credit Report Repair Services

Your credit score is a key factor in determining the interest rates you pay for cars, mortgages, credit cards, and other loans. For as low as $49.95 a month, you can get help taking action on the credit files that largely dictate your monthly interest payments.

Consider the value of credit Our Proven Results. The numbers speak for themselves. In 2010 alone, we assisted our clients in the removal of over 1,200,000 negative items from their combined credit reports.

Lexington Law has three service levels based on your credit report repair needs. Start with Lexington Regular for $49.95/month, or upgrade to our Concord service levels to take advantage of additional credit interventions and credit score analysis.

We are the leading firm in credit repair. Our firm began its consumer law practice in the early 1990s when it redefined a fledgling credit repair industry by fusing strict regulatory compliance with innovative credit repair solutions. Today, Lexington Law continues to be a driving force helping clients take action on their credit, and remains the trusted leader in credit report repair.

Lexington Law offers quality services with a long commitment to credit correction research and development, drawing on its 20 years of experience assisting over 1/2 million clients in their credit repair efforts.

Lexington Law

Professional Credit Report Repair Services

Discover what sets Lexington apart The FTC & Credit Repair Fraud. Credit repair is legal, but some companies are not. Lexington Law provides the following fraud detection guidelines to help you steer clear of illegitimate credit repair companies. Tips for avoiding credit repair scams. Founded in 1991, Lexington Law was formed to help consumers take on their questionable credit legally and affordably. Lexington has since redefined the credit repair industry.

Getting the facts straight about credit repair and the credit industry as a whole can be a daunting task. Misinformation about the topic abounds and too many people feel they are stuck in their current credit situation when there really are positive actions they can take. Learning becomes the first step towards improving your credit.

Get more information about a wide assortment of credit-related topics. Learn answers to questions like “what is a bad credit score? and “is it possible to fix my credit score?”. Explore the links to the right to find information on the listed topics.

The law affords all Americans a number of credit rights that can be put to use in your efforts to make the most of your credit score. These rights provide the foundation for Lexington Law's credit correction services. Explore details about your credit rights.

Our Credit Repair Blog has News, information, and perspectives on credit reports, credit scoring, credit repair and other related topics provided by the staff, paralegals, and lawyers of Lexington Law.

Lexington Law

Professional Credit Report Repair Services

Identity theft is a harsh reality in a world of debit cards, credit cards, and online banking. If you’ve been a victim, you know the importance of protecting yourself from future infractions. A little-known solution is available through the credit bureaus: fraud alerts. If you want to avoid identity theft, and take the crucial first steps.

For anyone who has dealt with the aftermath of identity theft, fraud alerts are a useful way to ensure future security. By initiating these alerts with the credit bureaus, lenders are required to contact you by phone or other means to authorize new lines of credit or the use of your name on applications. If they cannot reach you, the application or credit activation will be denied and flagged for fraud. This process ensures your awareness of any and all activity on your account, and will help you recognize when fraud is being committed in your name.  Lexington Law

While fraud alerts can protect you from identity theft, the convenience of instant credit authorization becomes a thing of the past. Unless you are available by phone to confirm your credit application, you may have to wait a day or two to make an in-store purchase. For example, Emma is shopping for a new sofa and wants to get 10 percent off by opening a department store credit card. Although her credit score is acceptable, the fraud alert requires the lender to contact her by phone to authorize the new line of credit. If her cell phone is listed as her primary contact, she won’t have to wait. However, if her home phone is her primary number, she may face a short delay in completing her purchase. Despite this minor inconvenience, those who seek fraud alerts are likely to weigh the benefits over the drawbacks.

Once you have decided to set up fraud alerts, it is up to you to take the first step. While some claim that the credit bureaus work together to maintain fraud alerts, the best way to avoid identity theft is to contact Experian, TransUnion, and Equifax individually. The process is simple and should only take a few minutes to complete. Depending on the bureau, your alerts may expire after 90 days, so it is imperative to reactivate them periodically to ensure your protection.

You should receive a confirmation letter within a week or two of setting up your fraud alerts. If not, make sure to call the credit bureaus to verify your alerts. With fraud alerts attached to your credit report:

Lexington Law

Professional Credit Report Repair Services

Your name will be removed from pre-approved offer lists, such as credit cards and insurance offers. You may become eligible for an extended victim statement status, which will keep your fraud alerts in place for seven years. This process requires approval from each credit bureau. Although it is difficult to protect yourself from identity theft entirely, fraud alerts are a strong first line of defense. By working with the credit bureaus and taking a proactive stance, your credit report is more likely to be shielded from modern-day theft. Lexington Law can help with any situation you are afronted with your credit score.

Clean credit is goal sought by many whose credit reports contain negative information, but achieved by few. A perfect score is comprised of a number of connected factors. If your credit score represents your overall grade, then your credit report displays the work you put into it. Lenders use your score (a number between 300 and 850) to determine your risk level, and thus, their willingness to work with you.

Raising healthy and productive children requires setting a good example, and financial issues are no exception. Establishing responsible habits early will help to ensure your kids’ understanding of credit reports, debt, and everything in between. Read on for some creative ways to open the door to financial freedom. Practice your analogies. When it comes to teaching any subject, it’s all about perception. Translating credit terms into relatable scenarios will help your kids understand the importance of good credit. If you have a child in elementary school, compare a credit score to a report card and a credit report to a year-end review. “Kids and Credit: Establishing Good Habits Early”

Closing a credit account can be tricky business. While it seems harmless, the damage to your credit score can pack a punch if done incorrectly. Hurting your credit utilization ratio and credit history are among the many considerations. So, with evidence piling up in favor of keeping accounts open, when is it a good idea to close an account? Credit accounts should work for you, not against you. When bad credit creeps up, it’s time to determine the culprit. Although closing an account is a big decision, some are no-brainers, especially in the case of: continue reading “When to Close an Account”.

Lexington Law

Professional Credit Report Repair Services

Managing financial troubles can be complicated. Unemployment, unforeseen medical expenses, and unexpected increases in living expenses are just a few of the factors that cause many people get in over their heads. When you’re drowning, credit solutions can be hard to find. However, there are ways to negotiate with creditors before your situation gets worse. Contact your creditor immediately and ask about remedies to your credit conditions. The answer may be simpler than you think.

Be honest. The best way to facilitate credit solutions is to employ open communication. Your creditors will ask for an explanation regarding your financial troubles, so be clear and concise. Creditors will be more willing to work with you if they have a full understanding of your situation. “How to Negotiate with Creditors”

Lexington Law

Professional Credit Report Repair Services