Common Questions

How can bad credit be legally repaired?

How does Lexington Law help repair bad credit?

How long does credit repair take?

Can I pay you more to do even more?

Can I pay by the action?

Is it possible for deleted items to reappear on my credit report?

Do I need to pay my bills?

Does paying my bills restore my credit?

Do I need to see my credit reports first?

Do you guarantee your credit repair service?

Can I repair 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 doesn't Lexington Law accept faxed credit reports?

Do I need to pay my bills?

If there are delinquent questionable listings appearing on your credit reports that have not been paid off, the actual debt behind the account remains the same even if the account is deleted from your credit report. You may still owe the same money that you validly owed in the first place subject to your state's applicable statute of limitations. If you don't pay the debt, the creditor or a collection agency may re-report the listing.

Removing a negative listing without addressing the debt is only a temporary solution. In fact, we will only dispute credit listings that you indicate are inaccurate, untimely, misleading, biased, incomplete or unverifiable. If you feel that a negative credit listing is 100% accurate, timely and verifiable, then do not dispute it.

Does paying my bills...

Sometimes a collections agency will report a debt to the credit bureaus that you do not owe.

In these cases, debt validation procedures like those offered in our Concord service level may be necessary to remove the collections from your credit reports.

*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.