Taking control of your credit

is not only possible, we make it easy.

Ever since the Fair Credit Reporting Act made credit repair possible, abusive creditors have been working to make it complicated and difficult. Our fifteen years of experience fighting for consumers have helped us develop a vast arsenal of tools and strategies to make credit repair easy and effective — the way it should be.

Our Simple Steps

Step 1: Forward your credit reports.

After signing up, you will begin by forwarding to us your credit reports from the three major credit bureaus. If you do not have your reports, we can help you get copies once you sign up. With each repair cycle, you will receive updated reports from the bureaus. It is important to forward each updated report to us so we can track which items were deleted.

Step 2: Choose which items to dispute.

Once your credit reports are received, our staff enters the information into our database. Using our online disputation manager, you then choose how to dispute selected items. Sound complicated? Not to worry, our easy-to-use wizard makes this step a simple matter of pointing and clicking with your mouse.

Step 3: Lexington works your case.

We begin the dispute process by drawing upon our vast arsenal of credit report repair strategies to challenge questionable items directly with the credit bureaus. Depending on the number of questionable items on your credit reports, this step will be repeated for each subsequent loop through the cycle. (Clients who have selected an upgraded level of service will receive additional legal interventions.)

Step 4: Sit back and relax.

The credit bureaus have 30 days to investigate your dispute. After that, they must inform you of their results and send you a copy of your updated report. It usually takes 60 days from the day we send a dispute to the day you receive an updated report. When you receive a response from a bureau, make a copy of the updated report for your records then send the original to Lexington Law. The cycle begins anew, this time hopefully with fewer questionable items on your credit reports.

Are you ready to get the process started?

What It Costs

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 exploitative creditors and abusive 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.

*Important: While the testimonials and statistics provided on this website may be exciting, it's important to remember that Lexington Law promises only to perform its best efforts by taking the steps best-suited to the client's case. As with any legal work, no specific outcome is promised. Every case differs from every other and results may be more or less than average.

“ I have seen dramatic improvements in my credit rating. I was able to benefit from these changes by refinancing my home, and receive a excellent interest rate. I could not have done this without the services of your company... I have now achieved my desired goal. Thank you. ”

— Brian, Lexington client*

© 2008 Lexington Law™. All rights reserved. John C. Heath, Attorney at Law, PLLC. *Actual client testimonial. Individual results may vary. The services of Lexington and its affiliates may not be available in all states. Lexington Law™ is a group of law firms that may also be referred to throughout this site as "Lexington," "Lexington Law," "we," "us," or "the firms". "Credit Repair" means all the legal work, strategy and methods that Lexington Law uses to dispute questionable credit listings that are inaccurate, incomplete, misleading, biased, untimely or unverifiable. The number of items deleted represents the combined results of the group. The Terms were last updated on 02/24/2006. The Privacy Policy was last updated on 02/24/2006. // 1.0.1