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?

Does paying my bills restore my credit?

You would think that would be true, but the credit reporting system just doesn't work that way.

When you pay an old debt, the negative credit listing doesn't disappear. Once paid, it may appear on your credit report as a paid delinquency, charge off or collection (whatever the case may be.)

Unfortunately, if your goal is simply to repair your credit, merely paying off your debts won't get you there. You also need to work to restore your credit at the same time. Of course, paying your debts in a timely manner may prevent future problems with your credit report.

Do I need to see my...

Be forewarned, sometimes settling a debt will actually lower your credit score.

When settling outstanding debts, request that your creditors stop reporting the account or mark the account as "paid in full" in exchange for payment.

*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.