The FTC and Credit Repair

Fraudulent credit repair companies have long been the target of FTC investigations including Project Credit Despair which snared 20 credit repair companies in February 2006 and Operation Clean Sweep which targeted an additional 36 credit repair operations in October 2008.

The Federal Trade Commission

The Federal Trade Commission (FTC) is responsible for enforcing consumer protection laws in the United States. In its capacity, the FTC offers a number of suggestions and warnings to consumers regarding credit repair organizations.

Beware of credit repair services that request fees in advance

Lexington does not charge you in advance for any legal services. It charges you only after the first-work, and the subsequent work from each month, have been performed.

Beware of credit repair services that don't disclose your rights

Consumers have the right to attempt credit repair on their own. Lexington offers its affordable legal services to those clients who prefer having legal professionals managing their credit disputes and creditor interventions.

Beware of credit repair services that advocate "new" identities

It is unlawful to create a "new" identity by applying for an Employer Identification Number (EIN) to replace one's Social Security Number. File segregation is a serious crime that can result in fines or imprisonment.

Beware of credit repair firms that misrepresent their expertise

Claims such as "25 years of experience" can be misleading. That number often represents the combined years of attorney experience, not the actual length of time that the firm has been practicing. By contrast, Lexington Law has been practicing credit report repair since 1991.

Beware of companies that imply FTC endorsement

The FTC does not endorse any business. If a credit repair organization implies FTC endorsement, you would do well to proceed with caution.

Credit Education

“My experience with the Lexington Law Firm has been wonderful from beginning to end and the results you achieved are remarkable. It is also noteworthy, that the fee I paid for such superior professional service must be one of the truly great bargains of all time. My warmest best wishes to you all.”

— R.S., Lexington client*
(Your results will vary)

*Important: While the testimonials and other information on this website may be exciting, Lexington Law promises only to perform the steps we've agreed to in each client's case and to charge each month only for steps already completed. As with any legal work, no outcome is promised. Your results will vary.