Taking action on your credit
is not only possible, we make it easy.
Our Simple Stages
Stage 1: Obtain Credit Reports
During Sign up, we will help you obtain your credit reports from the three major credit bureaus: TransUnion, Experian and Equifax.Stage 2: Legal Action Begins
The attorneys and paralegals assigned to your case will review your credit reports and prepare and send the appropriate legal challenges and interventions in accordance with your case, under your direction.Stage 3: Credit Score Analysis
In addition, a paralegal is available by phone or email to provide useful coaching regarding other credit score enhancing steps you can take. You can view your analysis and monitor your results, 24/7, with our easy-to-use website.Stage 4: Follow-up and Escalation
Draw upon Lexington Law's 20+ years of experience to work with you on which federal statutes to leverage in order to defend your case. Be sure to forward any creditor responses you may receive back to the Firm.Related Questions:
- Do I need to see my credit reports first?
- When can I call my case manager?
- How do I get updates on casework?
- Do you offer a refund?
- Does paying my bills restore my credit?
The FCRA:
The Fair Credit Reporting Act (FCRA) was enacted in 1970 to promote fairness, accuracy and the privacy of personal information reported to credit bureaus by creditors and others.
The FCRA allows a consumer to challenge the information on his or her credit report on the basis of "completeness and accuracy."
The credit bureaus are required to complete the investigation within a "reasonable period of time." This time period has been set at thirty days.
If, after an investigation by the credit bureau, the disputed information "is found to be inaccurate or can no longer be verified, the [credit bureau] shall promptly delete such information."
In theory, the disputation process should be simple, but many consumers quickly discover that creditors and debt collectors can make the process more difficult than they imagined.
Creditors routinely charge higher rates of interest to those with negative credit histories, so sloppy credit reporting may serve to maximize their profits, a circumstance that can make the process of credit repair a difficult and frustrating experience for most consumers.
S.C., 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. REF# Confirm
360 N. Cutler Drive, North Salt Lake Utah, 84054 //Google+ Page
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