BadCredit.org Features Lexington Law Firm as a Leading Advocate & Most Trusted Credit Repair Service

This post was originally featured on BadCredit.org:
Lexington Law — The Leading Advocates & Most Trusted Credit Repair Service Since 1991

Many important financial commitments in life require good credit, including owning a home, being approved for a loan, and buying a car. So what are you to do when your credit history prohibits you from attaining life’s necessities because of mistakes and errors on your report?

The obvious solution is to improve your credit, but that could take years if done on your own, and some of us can’t wait that long. And credit is a fickle beast. There are several ever-changing laws and regulations surrounding the credit industry, and for the average person, understanding all of them is insuperable.

Lexington Law, based in North Salt Lake, Utah, has been advocating for individuals who have mistakes on their credit report for a number of years. Lexington’s team of lawyers and paralegals understand these laws and regulations and they have represented hundreds of thousands of clients who have worked to correct their credit reports and improve their scores.

Continue reading BadCredit.org‘s article here

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Lexington Law’s Directing Attorney Expresses Deep Gratitude For All United States Service Members While Responding to Reports on Credit Issues Devastating Military Consumers

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Call made this Veterans Day for adequate safeguards to protect military credit ratings 

North Salt Lake, UT – November 11, 2015 – John Heath, directing attorney for Lexington Law Firm, a consumer advocacy law firm and trusted leader in credit report repair, today expressed his firm’s profound appreciation of all United States service members on this Veterans Day. Heath also responded to a call made by U.S. Senators this past week concerning identity theft and other issues plaguing military credit ratings.

According to the report from InvestmentNews, there is an active discussion amongst U.S. Senators, who stated in a letter to the Defense Department, “It is unreasonable to think that a country would send its men and women overseas to defend our national security without equipping these brave service members with the adequate safeguards to protect their finances and their credit.”

Heath agrees, stating, “We are the beneficiaries of the sacrifices made by our service men and women. Lexington Law has created a focus track designed specifically for our military and their families to educate and help alleviate credit reporting issues.” Heath continued, “Credit concerns, particularly those created by identity theft, are especially tragic for those who sacrifice so much for us back home.”

Thieves continue to take advantage of service members on deployment using their identity and credit to open accounts with the intention of never paying them back. A 2014 Federal Trade Commission study found that military consumers reported falling victim to identity theft twice the rate of the general population.

Heath recommends that service members anticipating deployment greater than 90-days place an Active Duty Alert on their credit reports. The Fair and Accurate Credit Transactions Act (FACTA) created this alert as an identity theft measure for military members. Once engaged, the alert will remain active for one year. Heath also encourages service members to actively monitor credit reports, checking specifically for unknown accounts or charges.

A free credit report can be ordered annually at www.annualcreditreport.com, while Lexington Law Firm provides free credit consultations by calling 1-800-294-7695.

About Lexington Law

Lexington Law Firm is a consumer advocacy law firm that focuses its practice in the area of consumer credit report repair. Lexington has helped hundreds of thousands of Americans work to improve their credit. The firm is comprised of dedicated attorneys and paralegals who deliver professional services to its clients on a daily basis. By leveraging consumer rights to resolve issues with creditors, data furnishers, and credit bureaus, Lexington Law Firm works to ensure that client credit reports are fair, accurate, and substantiated. For details about Lexington Law Firm’s services or attorneys, please visit www.LexingtonLaw.com.

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Lexington Law’s Consumer Education Specialist Reminds EMV Credit Card Users to Stay Vigilant and Protect Credit

Chip cards strengthen in-store shopping security while online card fraud projected to spike

North Salt Lake, UT – October 28, 2015 – The U.S. payment industry is slowly transitioning to EMV (Europay, MasterCard and Visa) technology, making in-store fraud more difficult to commit, while potentially increasing the possibility of online fraud. Dr. Randy Padawer, Consumer Education Specialist for Lexington Law, a consumer advocacy law firm and trusted leader in credit report repair, warns consumers to stay vigilant when using credit cards.

While countries around the world have been using EMV technology for years, the U.S. is just now adopting the use of cards with microprocessor chips as opposed to magnetic stripe technology. EMV cards in the U.S. will not, however, contain the additional safety measure of a PIN. Essentially, the technology will protect only the number on the front of a credit card or debit card, not the cardholder’s signature on the back of the card, which can be more susceptible to credit fraud.

“EMV cards are designed to provide additional fraud-protection, but that does not mean that consumers should be less attentive when it comes to credit fraud and the havoc it can inflict on one’s credit score,” said Padawer. “The lack of a PIN can leave cardholders open to online fraud in particular, and with the holiday shopping season at our heels, consumers need to be especially alert to criminal activity.”

According to a recent article in Internet Retailer Magazine, “retailers can expect a doubling of online card fraud because criminals will turn to e-commerce to get around a tougher in-store card-payment system,” says consulting firm Aite Group.

Credit card fraud can be an unfamiliar charge found on your credit card statement or noticing that a new line of credit has been opened in your name. Padawer recommends scrutinizing monthly bills and statements to make sure no unrecognized transactions are listed. If a cardholder does suspect unusual activity, he advises to first confirm the breach. Once confirmed, find out exactly what information has been stolen, cancel the card, and reset all passwords. Moving forward, all card statements should be monitored closely and a credit report should be pulled and examined thoroughly for errors or fraudulent activity.

Padawer adds, “The reality remains that credit breaches will occur despite best efforts to secure personal information. Cardholders should educate themselves on how to spot fraudulent activity, and if they are unable to clear any resulting damaged credit on their own, they should seek professional assistance.”

About Lexington Law

Lexington Law is a consumer advocacy law firm with decades of experience helping hundreds of thousands of Americans work to improve their credit. The firm comprises the largest network of credit repair professionals in the U.S., employing attorneys and paralegals/agents across 18 states. By leveraging consumer rights to resolve issues with creditors, data furnishers, and credit bureaus, Lexington Law works to ensure that client credit reports are fair, accurate, and substantiated. For details about Lexington Law’s services or attorneys, please visit www.LexingtonLaw.com.

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Lexington Law’s Directing Attorney Points to Strong Economy and Job Growth as Fed Meeting Looms

Pending rate hike “doesn’t mean too much” for credit cards, more risky for mortgages

North Salt Lake City, UT – September 16, 2015 – There is mounting speculation that despite turbulent markets, The Fed will move forward with the first interest rate increase since June 29, 2006. John Heath, Directing Attorney for Lexington Law, a consumer advocacy law firm and trusted leader in credit report repair, points to a strong economy and steady job growth, with a potential rate hike of 0.25% having little impact on consumers.

The Labor Department reported that U.S. employment rose by 215,000 jobs in July and the unemployment rate held steady at 5.3 percent. The report was forecast to show employers adding 223,000 jobs last month and the unemployment rate was expected to remain at 5.3 percent, said analysts polled by Thomson Reuters, according to the International Business Times.

“The United States economy is good, job growth continues, but world markets aren’t so strong right now – which may cause the Fed to delay an imminent hike,” said John Heath. “While an interest rate hike of a quarter percent, which changes to about 21 cents per $1,000 dollars borrowed on a credit card per month, is just not a dramatic increase, consumers should take note and prepare for inevitable upcoming hikes.”

Credit card rates are only marginally impacted by these incremental changes, but a Federal interest rate increase can make a significant difference with mortgage rates, where larger sums of money are borrowed and paid over extended amounts of time. Heath recommends that consumers “take a hard look” at their credit scores now in order to prepare for any future rate hikes, which may upset personal finances and budgets.

“Improving your credit score can actually level off any rate hikes while maximizing your buying power,” said Heath. “Higher credit scores may qualify for loans with lower rates, which could ultimately offset the interest increase. Now may be a good time for consumers to begin a course of credit repair to address unfair, inaccurate and unsubstantiated items that may be depressing their credit scores.”

The Federal Open Market Committee will hold a two-day meeting this month, followed by a September 17th news conference by the Fed chairwoman, Janet L. Yellen, during which a rate hike, or hold, is expected to be announced.

About Lexington Law
Lexington Law Firm is a consumer advocacy law firm that, for many years, has focused its practice in the area of consumer credit report repair to help hundreds of thousands of Americans work to improve their credit.

The firm is comprised of dedicated attorneys and paralegals who deliver professional services to its clients on a daily basis. By leveraging consumer rights to resolve issues with creditors, data furnishers, and credit

bureaus, Lexington Law Firm works to ensure that client credit reports are fair, accurate, and substantiated. For details about Lexington Law Firm’s services or attorneys, please visit www.LexingtonLaw.com.

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Lexington Law Honored With Besty Award for the Fourth Year in a Row

BestCreditRepairCompanys.com awards Lexington Law ‘Overall Top Rated’ among nation’s credit repair companies

Salt Lake City, UT – August 5, 2015 – Lexington Law, a consumer advocacy law firm and trusted leader in credit report repair, has been awarded the 2015 Besty Award, earning an overall top rating by BestCreditRepairCompanys.com (BCRC). This is the fourth year in a row the company was the overall top-rated pick for pricing, features, services and help and support, receiving the significant honor within a highly competitive field.

BestCreditRepairCompanys.com awarded Lexington Law a near perfect score, making it the highest reviewed credit repair company and #1 staff pick. The website’s overall review concluded, ‘When you are looking to make sure that the job is done right and by a company that has been around a while, we have found that Lexington is going to be your best bet. These guys are a large player in the industry with one of the best processes of credit repair that we’ve seen. When it comes down to service, this repair giant has gotten better with every year and continues to improve with upgraded services and technology to boot.’

“We are honored to be recognized as the number one leader in the industry,” said John Heath, Directing Attorney for Lexington Law. “Lexington Law has assisted consumers for over 10 years, fighting for our client’s legal right to a fair, accurate and substantiated credit profile. We will continue to lead the way in credit repair, working tirelessly on behalf of our clients and their families.”

Additionally, Lexington Law received Staff Pick in 2012 and again in 2015.

BestCreditRepairCompanys.com is a credit repair review site that was created to bring experts and consumers together in an effort to clean up the credit repair industry. BCRC employs leading experts to research and review credit repair companies, using its proprietary 9-point ranking criteria. In addition to credit repair experts, BCRC enables current and past customers of credit repair companies to share their experiences, reviews, and ratings on respective companies.

About Lexington Law

Lexington Law Firm is a consumer advocacy law firm that, for many years, has focused its practice in the area of consumer credit report repair to help hundreds of thousands of Americans work to improve their credit.

The firm is comprised of dedicated attorneys and paralegals who deliver professional services to its clients on a daily basis. By leveraging consumer rights to resolve issues with creditors, data furnishers, and credit

bureaus, Lexington Law Firm works to ensure that client credit reports are fair, accurate, and substantiated. For details about Lexington Law Firm’s services or attorneys, please visit www.LexingtonLaw.com.

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Lexington Law Wins Top Ten Reviews 2015 Gold and Excellence Awards for Best Credit Repair Company

Top Ten Reviews awards Lexington Law top score among nation’s credit repair companies

Salt Lake City, UT – July 22, 2015 – Lexington Law, a consumer advocacy law firm and trusted leader in credit report repair, has been awarded the 2015 Gold and Excellence Award by Top Ten Reviews. The company was rated number one overall for pricing, features, services and help and support, receiving the significant honor within a highly competitive field.

Top Ten Reviews awarded Lexington Law a perfect score of 10 out of a possible 10 points, making it the highest reviewed credit repair company. The website’s overall review concluded that Lexington Law is among the most effective and efficient credit repair service providers in the field. It offers an easy online interface, educational resources, a wide range of services and customer support designed to help fix your bad credit. With its size and experience, this company is one of the best choices for credit repair service.

“We are very pleased to have received this honor,” said John Heath, Directing Attorney for Lexington Law. “Lexington Law has assisted consumer’s for over 10 years, fighting for our client’s legal right to a fair, accurate and substantiated credit profile. We are proud to be recognized as the number one leader in the industry.”

Top Ten Reviews presents independent, reliable information to help consumers make complex buying decisions easily. They publish thousands of objective third-party product reviews in a vast range of categories – from antivirus software to robot vacuum cleaners to credit card processing services.

About Lexington Law

Lexington Law Firm is a consumer advocacy law firm that, for many years, has focused its practice in the area of consumer credit report repair to help hundreds of thousands of Americans work to improve their credit.

The firm is comprised of dedicated attorneys and paralegals who deliver professional services to its clients on a daily basis. By leveraging consumer rights to resolve issues with creditors, data furnishers, and credit

bureaus, Lexington Law Firm works to ensure that client credit reports are fair, accurate, and substantiated. For details about Lexington Law Firm’s services or attorneys, please visit www.LexingtonLaw.com.

 

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Lexington Law Supports New Initiatives for Accurate Bankruptcy Credit Reporting

Bank of America and JPMorgan Chase announced an agreement to remove bills that appear on credit reports when the bills have been legally eliminated in bankruptcy. 

SALT LAKE CITY, UT, May 12, 2015 — Two of the largest banks in the United States recently announced they have agreed to ensure that credit accounts forgiven through bankruptcy will not be misreported within consumer credit reports.

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According to a recent article published in the New York Times, this agreement could benefit more than one million Americans. 

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3 out of 4 Americans Who Expect a Refund Plan to Spend It

According to a survey commissioned by Lexington Law and conducted by Harris Poll, Americans with poor credit scores are more likely to consider a tax refund as a bonus check

SALT LAKE CITY, UT — April 1, 2015 — One in three Americans who expect a tax refund plan to squander their tax refunds this year, suggests a study sponsored by Lexington Law Firm, the nation’s leading credit repair service provider.

 

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Harris Poll, on behalf of Lexington Law, surveyed more than 4,000 adults ages 18 and older in February 2015. The survey asked specific questions related to how their tax refunds are being used, their credit score and general knowledge of credit, and how they’ve used their tax refunds in the past.

Results showed that one in three Americans plan to spend their tax refund on non-essential items, such as vacations, entertainment, electronic and mobile devices.

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Published Study: Americans Tend to Be Spend-Happy with Tax Returns

The following information provides insights into Americans’ attitudes and opinions about tax refunds, credit scores, and financial responsibility. You will find overall key findings followed by the detailed findings per question afterwards.

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Key Findings

When it comes to their tax refunds, Americans are proving themselves to be spend-happy. Nearly three quarters of those who expect a tax refund this year plan to spend their refund on something (74%). Topping the list are non-essential items (35%) such as vacation (23%), entertainment like going out to movies or dinner (11%) and electronic (9%) and mobile (6%) devices.

Americans also revealed various regrets they had in with regards to spending a tax refund. One in five Americans who have ever received a tax refund admit they have later regretted what they purchased with their refund. One in ten (10%) regretted spending it on a vacation, which is ironically the #1 response for plans to spend this year among those who expect to receive a refund.

Interestingly, Americans who say they have a poor credit score are more likely that those who say they have an excellent credit score to agree that tax refunds are to be used for fun purchases (47% vs. 33%), would rather buy something for myself or a loved one from a tax refund rather than pay off a debt (51% vs. 20%), and to consider a tax refund as a bonus check that should be used to buy themselves something rather pay off a debt (39% vs. 22%). Not surprisingly, those with excellent credit scores are significantly more likely than those that have a poor credit score to agree that people who do not have good credit scores should pay off their debts with their tax refund before buying anything else(92% vs. 73%). Given this, it’s no wonder that roughly a quarter (26%) of those with a poor credit score admit they are not at all/not very financially responsible.

Detailed Findings

1. Which of the following, if any, do you plan to spend your tax refund on? Please select all that apply. 

Nearly seven in ten (69%) Americans expect a tax refund this year. Among them, three quarters (74%) plan to spend their refund on something, while 26% will not spend it on anything. Over one in five (23%) plan to spend it on vacation, 17% on home improvement projects, 14% on clothing. Roughly one in ten will spend it on entertainment such as movies or going out to dinner (11%), a vehicle (11%) electronic device (9%) or a computer (9%). 6% plan to spend it on a mobile device such as a smartphone or tablet, 5% say home appliance and a quarter (26%) plan to spend it on something else.

Interestingly, more than a third (35%) of Americans who expect a tax refund this year have plans to spend it on something non-essential – vacation, entertainment, electronic device or mobile device.

  • Those with good or fair credit scores who expect a tax refund this year are more likely than those with excellent or poor credit scores to spend it on something non-essential (41% and 43% vs. 33% and 32%, respectively).
  • 32% of those with a poor credit score who expect a tax refund this year plan to spend it on something non-essential.
  • Those with excellent or good credit scores who expect a tax refund this year are more likely than those with fair or poor credit scores to spend it on a home improvement project (20% vs. 12% and 14%, respectively).
  • Those with fair (18%) poor (14%) and good (12%) credit scores are more likely than those with excellent (8%) credit scores to spend on entertainment.
  • Those age 18-34 (44%) and 35-44 (38%) who expect a tax refund this year are more likely than those age 45+ (29%) to plan on spending it on something non-essential.
  • Men who expect a tax refund this year are more likely than women to have plans to spend their refund on an electronic device (11% vs. 7%, respectively).

2. Which of the following would you say best describes your current credit score? 

 85% of Americans were able to/chose to describe their credit score. 9% do not know what their current credit score is, 5% claim they don’t have one, while 2% declined to answer.

66% of Americans report they have an excellent/good credit score, with 43% saying excellent and 24% saying good. Roughly one in five (19%) Americans admit they have a fair/poor score, with 12% saying fair and just 7% admitting their credit score is poor.

  • Likelihood of reporting an excellent credit score increases with age [age 18-34 (53%), 35-44 (65%), 45-54 (67%), 55-64 (71%) and 65+ (83%)].
  • Those age 18-34 (12%) are more likely than those age 35+ (8%) to not know their current credit score.

3. Which of the following, if any, have you ever used your tax refund on, which you later regretted? Please select all that apply.

Among all Americans, 18% admit they have later regretted what they purchased. Nearly one in five (18%) admit they have later regretted what they purchased with their tax refund. Roughly one in ten (9%) regretted spending it on a vacation (ironically the #1 response for plans to spend this year among those who expect to receive a refund). 8% have regretted spending it on clothing, while just 1% say each of the following: a wedding, pool/hot tub, an engagement ring, plastic surgery and less than 1% say hair implants. 3% say they regretted spending their refund on something else.

  • Men are more likely than women to have later regretted something they purchased with their tax refund (21% vs. 16%, respectively).
  • Americans age 18-54 are almost twice as likely as their older counterparts age 55+ to have later regretted something they purchased with their tax refund (22% vs. 12%, respectively).
  • Those with an excellent credit score are the least likely to have later regretted something they purchased (79% excellent have not regretted any purchases vs. 69% good credit score, 70% fair credit score and 69% poor credit score).

4. How financially responsible, if at all, do you consider yourself? 

An overwhelming majority of Americans (94%) say they are very/somewhat financially responsible with 55% claiming they are very financially responsible and 39% reporting they are somewhat financially responsible. 6% admit they are not at all/not very financially responsible with 5% saying they are not very financially responsible and 1% reporting they are not at all financially responsible.

  • The likelihood of reporting they are very financially responsible increases with age [age 18-34 (40%), 35-44 (46%), 45-54 (56%), 55-64 (65%) and 65+ (75%)].
  • As expected, those with an excellent credit score are more likely to say they are very financially responsible (78% excellent credit score vs. 45% good credit score, 32% fair credit score and 25% poor credit score).
  • Roughly a quarter (26%) of those with a poor credit score admit they are not at all/not very financially responsible.

 5. How strongly do you agree or disagree with the following statements? 

“Those that do not have good credit scores should pay off their debts with their tax refund before buying anything else.”

  • 87% of Americans agree with this statement, while 13% disagree.
  • Older Americans age 65+ are more likely than their younger counterparts age 18-64 to agree with this statement (91% vs. 86%, respectively).
  • Those with an excellent credit score are more likely to agree with this statement (92% excellent credit score vs. 88% good credit score, 83% fair credit score and 73% poor credit score).
  • Almost three quarters (73%) of those with a poor credit score agree with this statement.

 

“I plan to spend all or some of my tax refund to pay down debt.”

  • 44% of Americans agree with this statement, while 27% disagree and 29% say not applicable.
  • Americans age 18-44 are more likely than those age 45+ to agree with this statement (54% vs. 36%, respectively).
  • Those with a good credit score (55%), fair credit score (60%) and poor credit score (59%) are more likely than those with an excellent credit score (34%) to agree with this statement

 

“Tax refunds are to be used for fun purchases.”

  • 40% of Americans agree with this statement, while 60% disagree.
  • Americans age 18-64 are more likely than those age 65+ to agree with this statement (43% vs. 28%, respectively).
  • Men are more likely than women to agree with this statement (43% vs. 38%, respectively).
  • Those with a good credit score (45%), fair credit score (50%) and poor credit score (47%) are more likely than those with an excellent credit score (33%) to agree with this statement.

 

“I would rather buy something for myself or a loved one from a tax refund than pay off a debt.”

  • 30% of Americans agree with this statement, while 70% disagree.
  • Americans age 18-34 are more likely than those age 35+ to agree with this statement (40% vs.26%, respectively).
  • Men are more likely than women to agree with this statement (32% vs. 28%, respectively).
  • Those with a good credit score (36%), fair credit score (36%) and poor credit score (51%) are more likely than those with an excellent credit score (20%) to agree with this statement.
  • Roughly half (51%) of those with a poor credit score agree with this statement.

 

 “I consider a tax refund as a bonus check that should be used to buy myself something rather than pay off a debt.

  • 30% of Americans agree with this statement, while 70% disagree.
  • Americans age 18-44 are more likely than those age 45+ to agree with this statement (36% vs. 25%, respectively).
  • Men are more likely than women to agree with this statement (33% vs. 27%, respectively).
  • Those with a good credit score (36%), fair credit score (33%) and poor credit score (39%) are more likely than those with an excellent credit score (22%) to agree with this statement.

 

“I rely on my tax refund to pay my bills, so a delay would affect my financial stability.”

  • 23% of Americans agree with this statement, while 57% disagree and20% say not applicable.
  • Americans age 18-44 are nearly twice as likely as those age 45+ to agree with this statement (31% vs. 16%, respectively).
  • Those with a fair credit score (34%) and poor credit score (40%) are more likely than those with an excellent credit score (15%) or good credit score (25%) to agree with this statement.
  • Two in five (40%) of those with a poor credit score agree with this statement.

 

Methodology

This survey was conducted online within the United States from February 3-10, 2015 among 4,031 adults ages 18 and older by Harris Poll on behalf of Lexington Law via its Quick Query omnibus product. Figures for age, sex, race/ethnicity, education, region and household income were weighted where necessary to bring them into line with their actual proportions in the population. Propensity score weighting was used to adjust for respondents’ propensity to be online.

All sample surveys and polls, whether or not they use probability sampling, are subject to multiple sources of error which are most often not possible to quantify or estimate, including sampling error, coverage error, error associated with nonresponse, error associated with question wording and response options, and post-survey weighting and adjustments. Therefore, Harris Poll avoids the words “margin of error” as they are misleading. All that can be calculated are different possible sampling errors with different probabilities for pure, unweighted, random samples with 100% response rates. These are only theoretical because no published polls come close to this ideal.

Respondents for this survey were selected from among those who have agreed to participate in Harris Poll surveys. The data have been weighted to reflect the composition of the adult population. Because the sample is based on those who agreed to participate in the Harris Poll panel, no estimates of theoretical sampling error can be calculated.

About The Harris Poll

Over the last 5 decades, Harris Polls have become media staples. With comprehensive experience and precise technique in public opinion polling, along with a proven track record of uncovering consumers’ motivations and behaviors, The Harris Poll has gained strong brand recognition around the world. The Harris Poll offers a diverse portfolio of proprietary client solutions to transform relevant insights into actionable foresight for a wide range of industries including health care, technology, public affairs, energy, telecommunications, financial services, insurance, media, retail, restaurant, and consumer packaged goods. Contact us for more information.

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Lexington Law Responds to the Significant Shift in How Credit Reporting Companies Will Operate

The company’s consumer advocate applauds changes concerning medical debt

Salt Lake City, UT – March 16, 2015 – Lexington Law, a consumer advocacy law firm and trusted leader in credit report repair, responds in favor to the agreement announced on Monday by Equifax, Experian and TransUnion, to adopt major changes that aim to improve consumers’ credit scores.

Among other things, the agreement addresses late medical-bill payments and the handling of customer complaints. Under the new agreement, set to take effect within the next several months, the credit reporting agencies have agreed to delay inclusion of any unpaid medical bills in a credit report for six months, giving both consumers and insurance companies more time to take care of payment. Additionally, consumers will no longer have to wait for the medical debt to be removed from their credit report. Credit reporting companies will erase the item after the debt has been paid.

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