Taking action on your credit

is not only possible, we make it easy.

Ever since the Fair Credit Reporting Act made credit repair possible, creditors have been working to make it complicated and difficult. Our 22 years of experience fighting for consumers have helped us develop a vast arsenal of tools and strategies to make things easier for you — the way it should be.

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.

Are you ready to get the process started?

What It Costs

Related Questions:

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.

WHAT WE DO HOW IT WORKS WHAT BAD CREDIT COSTS CLIENT RESULTS SERVICE LEVELS TESTIMONIALS COMMON QUESTIONS

“I wanted to express my appreciation to your company for all the work and effort that has been put into my case. I have appreciated the results so much that I have told everyone about your company and the wonderful results that I have seen as well as the excellent service. I have referred two people to you. More may be on the way. ; )”

— 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