Lexington Law is headquartered out of Salt Lake City, Utah. They are a credit repair firm.
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 this legal?
Yes, credit repair is legal and your responsibility. The Fair Credit Reporting Act passed by congress gives you the right to dispute any item you feel is not accurate on your credit report. This law also says that any item that can not be verified must be removed by the credit bureau.
How will 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 does it take?
This will depend upon how many items you are disputing. You should expect it to take at least 6 months and for most it should not exceed 12 months.
How much does it 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 dispute my credit 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.
Upon receipt of you letter the bureaus will conduct an investigation into the item. They will contact the creator of the negative item and ask them to verify the account, the balance on the account, and the dates. If the item is not verified then the bureaus will delete it from you report.
What else can I do to repair my credit?
We suggest you open a revolving line of credit. By making on time monthly payments you will create a positive payment history. This is weighted almost as much as negative items on your report when your score is calculated.
In sum by building a positive payment history and removing negative marks you will be able to improve your 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 this legal?
Yes, credit repair is legal and your responsibility. The Fair Credit Reporting Act passed by congress gives you the right to dispute any item you feel is not accurate on your credit report. This law also says that any item that can not be verified must be removed by the credit bureau.
How will 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 does it take?
This will depend upon how many items you are disputing. You should expect it to take at least 6 months and for most it should not exceed 12 months.
How much does it 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 dispute my credit 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.
Upon receipt of you letter the bureaus will conduct an investigation into the item. They will contact the creator of the negative item and ask them to verify the account, the balance on the account, and the dates. If the item is not verified then the bureaus will delete it from you report.
What else can I do to repair my credit?
We suggest you open a revolving line of credit. By making on time monthly payments you will create a positive payment history. This is weighted almost as much as negative items on your report when your score is calculated.
In sum by building a positive payment history and removing negative marks you will be able to improve your score.
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