How can bad credit be repaired?

How does Lexington Law legally repair bad credit?

How long does credit repair take?

Can I pay you more to do even more?

Can I pay by the action?

What if deleted items reappear on my credit report?

Do I need to pay my bills?

Does paying my bills restore my bad credit?

Do I need to see my credit reports first?

Do you guarantee your credit repair service?

Can I restore my own credit?

When can I call my case manager?

How do I get updates on casework?

Why does Lexington Law need updated credit reports?

Why does Lexington Law require reports to be mailed?

How can bad credit be repaired?

Lexington Law offers three levels of service. Our regular service utilizes targeted disputes based upon the Fair Credit Reporting Act in order to delete inaccurate, untimely, misleading or unverified information from you credit reports. Our Concord service level incorporates additional strategies based on other consumer protection statutes.

With each service level, you use Case Valet to indicate to us which questionable items you wish to dispute, and how you want us to dispute them. Once we've received your credit reports, we will prepare the appropriate intervention or dispute letters. The dispute letters are designed to communicate your dispute in such a way that the credit bureaus will accept the dispute and conduct an investigation. The Concord service level adds interventions such as escalated account investigations, goodwill interventions, formal requests for debt validation, and monthly score analyses.

You do have the right, under federal law, to conduct your own credit repair work if you so choose. While this may sound easy, any person who has attempted to dispute items on his own credit report may tell you otherwise. According to federal law, the credit bureaus can ignore your dispute under a variety of conditions.

At the conclusion of the credit bureau's investigation, a new copy of the credit report should be sent to your home along with any deletions or improvements. You then copy and send us the new credit report. If you are still not satisfied that the questionable, negative credit has been resolved, the cycle will begin again.

A disputed credit listing must be accurate, timely and verifiable for it to remain on the credit report. If the credit listing is only somewhat inaccurate, the credit bureau may simply change the item to reflect the accurate status. Very often, though, disputed credit items cannot be verified: the creditor either no longer possesses the information or does not wish to go to the trouble of verifying it. Also, the reinvestigation must be completed within 30 days, though the credit bureaus do not always meet this deadline, or the listing must be removed. For these reasons, properly disputed questionable credit listings have been removed with remarkable frequency.*