Lexington Law credit repair is a company that specializes in credit repair. It’s based in North Salt Lake, Utah and serves consumers nationwide.
Like many other credit repair companies, Lexington Law aims to help clients improve their credit scores by disputing errors or questionable items on their credit reports. It does this by analyzing reports, determining whether they’re worth disputing and then contacting the credit bureaus on their behalf.
Customer Service
The Lexington Law customer service team has a wide range of experience and knowledge to help customers improve their credit scores. They offer a free initial consultation, a variety of educational resources and credit tips, and credit monitoring tools through their online portal and mobile app.
The credit repair process starts with a thorough investigation into your credit history. This involves obtaining copies of your credit reports and then analyzing them for any inaccurate, unverifiable, or incomplete items that may be affecting your credit score. After identifying these issues, Lexington Law works with credit bureaus on your behalf to dispute these items and remove them from your report.
This is not an instant process, however, and the credit repair firm may take a little longer to complete its work than you might expect. You can find out more about the credit repair process by requesting a free copy of your credit report from one of the three major credit bureaus.
Once the investigation is completed, the credit repair firm will send your creditors a request to delete incorrect or inaccurate information from your credit report. This may take a few weeks, but it will improve your credit score over time and should have you back on the road to good credit in no time.
In addition to this, Lexington Law also offers a personalized Focus Track to address specific consumer life situations like divorce, military service, student loan issues, medical problems, or identity theft. The company’s legal analysts and licensed paralegals will work with you to improve your credit through ethical and effective means.
Lexington Law has been in business for over 10 years and has a reputation for providing quality services to its clients. Its attorneys and paralegals are well-trained and have a wealth of experience in the credit industry.
Its website is easy to navigate and provides many useful credit and financial education resources. Clients can sign up for a personalized credit counseling plan and receive a monthly credit analysis to monitor their progress.
Its website has a variety of articles and blog posts to educate customers on how to maintain healthy credit. Additionally, it includes a free TransUnion credit report and FICO score summary with each initial consultation.
Pricing
If you’re looking to repair your credit, it’s important to look for a company that offers an affordable price. This can help you save money without sacrificing quality services. In addition, you should also look into companies that offer a refund policy and allow for flexible cancellations.
Lexington Law is a reputable credit repair firm that has been in business for over 14 years. Its team of attorneys and legal staff are experienced in credit repair and know how to handle a wide range of financial situations.
The firm’s team will begin by pulling your credit reports from the three major bureaus (Experian, Equifax, and TransUnion). It then sifts through each report line-by-line identifying potential candidates for dispute.
When the team finds items on your reports that you’re not happy with, they’ll contact the credit bureaus and request they remove the item from your report. This can be done through a variety of methods, including filing a dispute with the bureau and sending letters to the creditors on your behalf.
However, it can take time for the items to be removed from your credit reports. This is because it may take multiple back-and-forth conversations between you and the credit bureaus.
In the meantime, you can check your reports online or with one of their mobile apps. You can also speak with a customer service representative through email, phone, or live chat.
If you need more information on the process, Lexington Law offers a free consultation with a credit expert. This is a great way to get the answers you need and find out if their services are right for you.
While the credit repair process can be time-consuming, it’s a worthwhile investment in your financial future. The company’s team is committed to helping you improve your credit scores and get the financial freedom you deserve.
The credit repair company claims to have helped clients with student loans, collection accounts, and late payments on their credit cards. In fact, some customers have reported seeing results within 90 days.
Results
Lexington Law credit repair reviews bbb is a credit monitoring and credit repair service with a legal team that can challenge inaccurate or misleading items on your credit reports. The firm has been in business for over 25 years and offers free initial consultations, reasonable monthly fees and round-the-clock client support.
The company works with all three of the major credit reporting agencies and disputes any erroneous information that can hurt your score. They also provide clients with a free, personalized credit consultation and a detailed review of their current credit situation to help them understand the process and what actions they will take to remove negative items on their reports.
They can issue up to 19 dispute letters per cycle of 45 to 60 days to the credit bureaus to correct or remove inaccurate or outdated information. This does not mean they will remove every negative item, but it will help you make a difference in your credit report.
Their goal is to improve your credit and help you get the best possible interest rates on loans. The firm’s credit experts use a number of legal tools and techniques to ensure that your credit reports are fair, accurate and substantiated.
However, while the company claims to be able to remove any negative items on your credit report, they cannot legally guarantee it. This is because lenders and credit bureaus have their own set of rules regarding how to deal with negative items on a report.
Another factor is that a lender can still report a collection account to the credit bureau, even after it has been removed by a credit repair company. Despite this, some lenders do agree to remove collection accounts on credit reports as a gesture of goodwill.
This may be the case with a legitimate credit repair company that has a good relationship with some lenders. It is always a good idea to do your research before deciding which company to work with, as some of the best companies will offer some form of money-back guarantee.
Unlike some of the other credit repair firms, Lexington Law does not mention any money-back guarantees for situations where customers aren’t satisfied with their service. However, the company does offer a wide range of free resources for its clients and non-clients on its website to further educate them about credit reporting and help them maintain a healthy credit profile moving forward.
Final Words
Lexington Law, based out of Utah, is a credit repair company with multiple attorneys and paralegals on staff. This includes some based in the firm’s two offices and others throughout the country. They offer three credit repair plans, each of which aims to help customers who are struggling with inaccurate or unverifiable negative items on their credit reports.
The CFPB has filed a lawsuit against Lexington Law, accusing them of using deceptive marketing practices to attract customers. They also alleged that Progrexion, an affiliate call center that sent consumers to Lexington Law, used misleading bait ads to lure them into signing up for credit repair services.
Their marketing tactics were simple: send emails, texts and phone calls to prospective clients. They did not contact these people at random or without their consent, and they do not require a credit card to pay for the service.
In addition to credit repair, they offer identity theft protection and insurance, as well as access to a TransUnion FICO score. They also provide free online credit and budgeting tools for their clients.
The one drawback with Lexington Law is that they are unable to guarantee specific results from their services. This is because they are paid based on the time and effort it takes to resolve your credit challenges. They are also known for being slower in disputing negative items on your credit report than other credit repair companies.
As a result, you may not see any improvement in your credit scores right away. However, they do offer a free consultation to determine your credit repair needs and help you decide on the best plan for you.
Ultimately, you need to make sure you are getting the most value for your money. This means choosing a reputable credit repair company that has a strong reputation and offers excellent customer service.
When looking for the best credit repair company, make sure to check out their BBB rating and look at other review sites, like this one. There are a lot of options out there, so it is important to do your research before deciding on the best company for you.
