How Lexington Law works

Credit repair services are not for everyone. Credit repair can help you work to remove inaccurate, unfair or unsubstantiated negative items from your credit reports. If the negative items on your credit reports have been accurately reported, then they cannot be removed. Credit repair is the best option if you have, or suspect that you have, errors in your credit profile.

If you’re curious about whether or not credit repair is the right option for you, we recommend that you fill out our free online credit assessment.

There’s no way to predict in advance how long it will take to repair your credit, as every credit report is unique. However, last year alone, Lexington Law clients saw over 4 million removals on their credit reports, and typically stayed with us for six months. Learn more about the credit repair timeline. Learn more about how we count removals.

Also, Lexington Law offers a variety of service levels, and the strength and amount of credit repair increases with each upgrade.

Absolutely not – in fact, we encourage you to check your credit score and credit reports regularly. Checking your own credit score is what’s known as a “soft inquiry,” and does not harm your credit.

A “hard inquiry” is what happens when you apply for a new line of credit – such as a credit card – and a lender checks your credit. Multiple hard inquiries in a short time frame may have a negative impact on your credit score.

For more information on the difference between soft and hard inquiries, you can learn more in this article.

Most negative items will fall off of your report after seven years, though some deletions may take as long as 10. The truth is that the credit grantor or the credit bureau can choose to delete the negative credit listing at any time, especially when you give them a reason to do so. If you’d rather not wait that long, credit repair is a great alternative.