If you’re in search of credit repair services, Lexington Law may have come to your attention. Established in 2004, this company claims to have removed 56 million derogatory marks from clients’ credit reports since 2004.
Before signing up with Lexington Law, there are a few things you should be aware of. Most notably, they do not provide a money-back guarantee.
They offer a free consultation
Lexington Law Credit Repair is an established credit repair provider, offering free consultations to all clients. They’ll assess your current credit situation to decide the most effective course of action for you and what steps they plan to take to remove negative items from your report if you choose to continue working with them.
They have a team of lawyers on staff who can help you understand your legal rights and how to utilize them in fighting against unfair reporting and credit score damage. Furthermore, the attorneys will collaborate with you on understanding what factors contribute to your credit score and offer suggestions on how it can be improved.
Contact Lexington Law is easy to reach via email, phone, or online chat system. They will even schedule appointments that fit your lifestyle. Their website is user-friendly with plenty of helpful content to educate on credit repair processes.
Once you submit your credit reports to Lexington Law, they will either fax or mail them directly to their office and enter them into Case Valet for analysis of any negative items on your report. Within five to ten business days, they’ll create a plan and begin the credit repair process.
If you decide to proceed with them, they will fax or email your credit reports back to you and send a copy each month. After identifying any incorrect or inaccurate data, they will create a series of credit dispute letters and submit them directly to the bureaus for correction.
Credit disputes will be reported to the bureaus, and creditors that reported errors will be contacted to verify any incorrect data or request it be removed. You’ll also get a monthly score analysis and report watch service which offers advice and coaching on how to combat any damaging errors on your report.
They offer a 30-day money-back guarantee
When searching for a credit repair service, it’s essential to find one with a money back guarantee. This way, if the treatment doesn’t work or you aren’t satisfied with its outcomes, you can return it without incurring any costs.
When considering whether a credit repair service offers a money-back guarantee, it’s wise to review their website to learn how they handle refunds and cancellations. Doing this will enable you to make an informed decision regarding whether to use this company or not.
Lexington Law credit repair is an established credit-repair service that has successfully helped many individuals improve their credit. They provide a free evaluation as well as dispute management and identity theft protection options.
However, it is essential to read the terms and conditions before signing up with this company. Be wary of credit repair scams which take your money but offer no results.
Lexington Law’s team of qualified attorneys and licensed paralegals offer legal analysis and insight to its clients. Plus, it offers 24/7 support via chat or email.
Its team of attorneys also challenges inaccurate information on your credit report and makes inquiries to creditors to attempt to resolve accounts.
Creditors must respond to disputes within 30 days, and then the credit bureaus will investigate and notify you of their findings – typically taking 60 days.
Although this method may appear slow, it is an effective way to guarantee that any negative items on your credit reports are removed and don’t affect your score. Plus, you can track your progress as your scores improve over time.
Another advantage of selecting a credit repair service is to avoid late fees and other costly penalties on your bills. These expenses can add up quickly, damaging your credit score in the process.
Additionally, credit card companies and lenders sometimes fail to be honest with their customers, leading to inaccurate payments being reported to the credit bureaus. If this occurs to you, contact your lender and file a dispute so that the inaccurate data can be rectified.
They have a team of lawyers
When it comes to credit repair, you want a company with experienced legal professionals on board. Lexington Law has both lawyers and paralegals who work closely with customers on removing negative items from their reports. Plus, they provide ongoing monitoring services as well as educational resources so you can learn more about your credit status.
They boast nearly two decades of expertise in the industry and claim most clients see results within six months. However, they have received numerous customer complaints and are currently facing a lawsuit from the Consumer Financial Protection Bureau (CFPB).
Lexington Law’s team consists of multiple attorneys and paralegals based in West Valley City, Utah or elsewhere throughout the US. Many are licensed to practice law in multiple states and specialize in various areas such as bankruptcy representation.
Credit repair services provided by these firms involve sending dispute letters to the three major credit bureaus on your behalf in order to remove inaccurate and unverifiable negative items from your report. Although this process can take some time, the effort pays off in the long run when it leads to an improvement in your credit score.
One thing that sets Lexington Law apart from other credit repair companies is their assignment of a lawyer to each client, meaning you’ll always deal with someone who understands your situation and knows how to get things done. This makes the entire process much more convenient for you, and you can rest assured knowing your case is in experienced hands.
One advantage of working with a lawyer is that they can send cease-and-desist letters to creditors. This could be especially advantageous if you have multiple debt obligations or other concerning marks on your credit report.
Some of the most common negative items on a credit report include old debts that haven’t been paid off or cleared, tax liens and judgments, repossessions, and bankruptcies. These can appear as blemishes on your record and significantly impact your score.
They offer a variety of services
Lexington Law has been in business for over 14 years and claims to have helped hundreds of thousands of people improve their credit. They offer various services and have successfully removed over 80 million negative items from consumers’ credit reports since 2004.
Lexington Law offers credit restoration as well as identity theft protection and insurance – features not offered by other credit repair companies.
Another way Lexington Law stands out from other credit repair companies is its methodical approach to credit repair. While this may take some time to see results, the long run pays off as it helps breathe new life into your credit score and restore it back to healthy.
Lexington Law offers a thorough and transparent process to clients, working with creditors to dispute inaccurate and misleading information on their credit reports. They have an exclusive Focus Track that caters specifically to consumer situations like divorce, military service, student loans, medical issues, and identity theft.
Lexington Law cannot guarantee that they will raise your credit score or remove negative items from your report, but they can provide helpful credit education tools and advice that you can use to address any problems on your own.
Lexington Law offers a complimentary consultation and credit analysis as part of its credit repair process. This is an ideal way to decide if Lexington Law is suitable for you.
At this consultation, they’ll review your credit report and FICO score with you in order to gain insight into what needs to be done and how. They then send you a personalized credit repair plan which may include disputing incorrect items on your report as well as providing assistance with disputes with credit bureaus.
When selecting a credit repair company, be sure to read their customer reviews carefully. These should be genuine and reflect actual client experiences. Furthermore, look for a money-back guarantee in case you’re not satisfied with the company’s service.
