When it comes to looking for a Lexington law firm to handle your credit repair needs, there are a lot of factors to consider. You’ll want to find one that has good reviews and offers a flexible cancellation policy. It’s also important to be aware of what you can expect to pay.
Charges
Lexington Law is a credit repair company that has offered a range of services for more than two decades. It offers a variety of plans to meet the needs of each individual client.
In addition to credit repair, the company also offers debt validation and debt settlement services. This service can be useful in resolving late payments, charge offs, repossessions, and other issues on a credit report.
Lexington Law does not offer a money-back guarantee. However, the company does offer an initial consultation, which includes a credit evaluation. Customers can opt out of receiving marketing communications from the company.
The company’s service also includes a portal that allows customers to track the progress of their case in real time. A team of lawyers, paralegals, and credit advisors are available to assist clients.
The website is easy to use, with a user-friendly interface. After filling out an online application, customers can choose a plan. They are given a recommendation on which plan would be best for their credit situation.
Lexington Law’s legal staff has a wide range of experience. Some of them have worked in the credit rating industry, while others have specialized in criminal litigation, insurance matters, and corporate compliance.
Consumers have complained about the lack of results from the company’s services. In addition, the Consumer Financial Protection Bureau has filed a complaint against the firm, claiming it violated the Telemarketing Sales Rule and the Consumer Fraud and Abuse Prevention Act.
Unlike some other credit repair companies, Lexington Law does not offer a money-back guarantees. This is because the company carefully selects its clients, and if a customer does not benefit from the services, they can get their money back.
Flexible cancellation policy
The credit repair industry has a lot to offer consumers. Companies like Lexington Law provide services ranging from debt validation to identity theft protection. If you are looking for a credit repair company that has your best interests at heart, look no further.
For starters, Lexington Law is an actual law firm, which means you have a team of licensed lawyers to comb through your credit report and file paperwork on your behalf. Plus, their tiered credit repair plan is tailored to your needs. They also offer a full slate of consumer advocacy and fraud prevention services.
In addition to their impressive array of services, they have a great track record. Hundreds of thousands of users have improved their credit profiles by using their services. Some claim that they were able to remove more than ten items from their credit reports within four months. You can check out the proof in the pudding with their free consultation.
While Lexington Law’s offerings might be a bit pricey for the average consumer, the quality of service they provide is unmatched. This includes a personal account manager to oversee your entire credit repair journey. With their flexible cancellation policy, you can easily rescind your service if you find that you aren’t a good fit for their services.
Lexington Law’s credit repair services also come with a few other perks. They also have a mobile app for Android and iOS. This allows you to track your progress and monitor your credit score in real time.
Not to mention, a personal finance tool kit that will help you manage your money better. The best part is that they are completely transparent about what they are doing for you.
Dealing with a bankruptcy on your credit report
If you have a bankruptcy on your credit report, the good news is that there is a company called Lexington Law that can help. This company has a team of attorneys and paralegals who are trained in consumer protection laws.
The company works with lenders, credit bureaus and creditors to remove negative items from their client’s credit reports. While the process can take time, some of its clients have seen their accounts improved in just under 90 days.
The firm offers three different levels of service to meet a variety of customer needs. In addition to its basic package, the company also offers PremierPlus, which includes credit monitoring and personal finance advice.
The firm is based in North Salt Lake, Utah, and has offices in Tucson, Arizona. Clients can contact their adviser by phone or through an online chat. They have access to a web interface to view the status of their accounts and receive updates via email and text.
When it comes to removing a bankruptcy from a credit report, the results vary depending on the individual’s situation. Some customers have reported results within months, while others reported waiting over six months.
There are two main steps to removing a bankruptcy from your credit report. First, you must contact the credit bureau. You should ask it to remove the bankruptcy from your account.
Second, you will need to file a dispute with the court. It is important that you get the court’s written statement about the bankruptcy.
Lexington Law’s team has a high success rate. Many of its lawyers have been in the field for years. Their attorneys are trained in the latest consumer protection laws.
Dealing with deceptive marketing affiliates
The Consumer Financial Protection Bureau (CFPB) sued Lexington Law and several of its affiliates. The suit alleges that the companies engaged in deceptive and abusive practices. They claimed that the companies lied to consumers and asked for upfront payments in exchange for credit repair services.
Lexington Law is a Utah-based firm that offers credit repair services. It has served over half a million customers since it opened in 1991. According to the company, it has removed over 10 million negative items from credit reports. In addition to fixing your credit, the firm provides identity protection and offers a variety of free personal finance tools.
The CFPB’s lawsuit against Lexington Law claims that the firm misled consumers with exaggerated claims about the effectiveness of its service. The lawsuit also alleges that the company’s pricing structure is illegal under the Telemarketing Sales Rule.
As part of its credit repair service, Lexington Law sends letters to the major credit bureaus and asks them to remove inaccurate negative items from their reports. However, the company is not guaranteed to improve your credit score.
When you sign up for a Lexington Law credit repair plan, you must give the company permission to contact you. You can do this online, through an email, or by calling a customer service representative.
If you decide that you do not want to use Lexington Law, you can cancel the account. To cancel your service, you must forward a copy of your confirmation email to the company. After that, you should contact the company again to have your account canceled.
The complaint filed against Lexington Law claims that the firm paid third parties to find clients for the company. This practice violated the TSR, which prohibits a business from charging consumers until they have achieved their desired results.
Dealing with bureau challenges and creditor interventions
If you have credit issues that you would like to have removed from your report, then Lexington Law can help. They have an extensive network of professional attorneys in locations across the United States. Their services range from assisting with debt validation to identity protection. You can get a free consultation from the Lexington Law team to determine which of their products are right for you.
The Lexington Law website is easy to navigate and contains a few nifty features. Depending on the package you choose, you will receive a credit score analysis. You can also use their mobile apps for Android and iOS. This includes a credit score dashboard and the ability to view your credit history.
In addition to their phone, live chat and email support options, Lexington Law also offers a 50% discount to friends and family members. Plus, you can opt out of their marketing communications if you’d like. However, it’s probably not worth the effort.
The Lexington Law website does not provide any information on how long it takes to get your challenge resolved. A representative will be happy to talk about the process with you, but not necessarily explain it in great detail. Some customers saw results in less than 90 days, while others saw their challenges escalated until they were satisfied.
One feature that was surprisingly missing was an online cancellation option. While this is a pity, the Lexington Law team was happy to tell me that they could make a exception in some cases.
Another good sign is that the company has a relationship with all three of the major credit bureaus. They are able to send dispute letters to both Equifax and TransUnion.
