Lexington Law Firm - Review
Lexington Law is a professional credit repair service. They are headquartered out of Salt Lake, Utah.
They have 22 lawyers and over 400 employees. They have been in business for 17 years and have served 1/2 million people. They will dispute bad credit items on your credit report.
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 does it work?
You must forward a copy of your credit report from each bureau to Lexington. You also must tell them what items you feel are not accurate.
Lexington will then send a dispute letter of your behalf to each credit bureau. Then you will be notified from the bureaus if the item has been verified by the creditor of if they removed it from your report. You then send this update to Lexington.
How long will it take?
It depends upon the damage to your credit. However it typically ranges between 6 months to 12 months.
What is the cost?
There is an initial account set up fee of $99. Then you will be charged a monthly fee of $39, $59, or $79 depending upon what level of service you choose.
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.
When the bureaus receive your letter they will investigate the item. During an investigation the creditor is contacted and asked to verify your account, the dates on the account, and the balance. If the item is not verified then the bureaus must remove 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.
They have 22 lawyers and over 400 employees. They have been in business for 17 years and have served 1/2 million people. They will dispute bad credit items on your credit report.
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 does it work?
You must forward a copy of your credit report from each bureau to Lexington. You also must tell them what items you feel are not accurate.
Lexington will then send a dispute letter of your behalf to each credit bureau. Then you will be notified from the bureaus if the item has been verified by the creditor of if they removed it from your report. You then send this update to Lexington.
How long will it take?
It depends upon the damage to your credit. However it typically ranges between 6 months to 12 months.
What is the cost?
There is an initial account set up fee of $99. Then you will be charged a monthly fee of $39, $59, or $79 depending upon what level of service you choose.
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.
When the bureaus receive your letter they will investigate the item. During an investigation the creditor is contacted and asked to verify your account, the dates on the account, and the balance. If the item is not verified then the bureaus must remove 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.
posted by Credit Counseling at
5:30 AM
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