New York City

New York City, New York

Credit Repair

Start working toward better credit

Call 1-855-255-0139

Proven Credit Repair Results

Over the past decade, John C. Heath, Attorney at Law, PC, dba Lexington Law has helped thousands of clients throughout the New York City and greater New York area with our credit repair services. Across the country, our clients have the removal of millions of unfair, inaccurate and unsubstantiated negative items from their credit reports.

What Our New York City Clients Are Saying

"Lexington Law has exceeded my expectations by leaps and bounds. I can not thank you enough. "

– Rosalind J.

"Lexington stands with the client. The team works together on your case. And anytime time you call to ask for advice or questions, paralegals are cordial and prepared to answer them. I recommend them to all my friends. "

– Mark B.

"The parlegal was efficient and knowledgeable of the answers to my questions. "

– Fayann S.

Impact of Bad Credit

Having a good credit history is not only important when getting approved for a mortgage or securing a car loan. It determines the percentage rate you have to pay back on loans and other types of credit. Lenders in Houston use a credit risk model that raises the true cost of a loan when a borrower has a low credit score. If you are looking to buy a home, car, or even just managing your credit card, here is how much extra money a low credit score can cost you.

Cost of a Home Mortgage

Average cost of a home in New York City: $649,026

Monthly mortgage payment with a 640 credit score:

$3,199

Monthly mortgage payment with a 750 credit score:

$2,894

Payments based on a 30-year fixed mortgage.

Cost of a Car Loan

Average cost of a car in New York City: $21,895

Monthly car payment with a 640 credit score:

$548

Monthly car payment with a 750 credit score:

$496

Payments based on a 48-month loan term.

Cost of Credit Card Debt

Average cost of credit card debt in New York City: $5,392

Minimum monthly payment with a 640 credit score:

$143

Minimum monthly payment with a 750 credit score:

$130

Example results are accurate as of 11/4/19. Calculators are a tool provided to users to assist in making financial decisions. The results and accuracy are based on the information you enter. Because getting a loan is based on many factors in addition to your credit report and credit score, such as, credit utilization, financial situation, loan amount, loan term, loan usage, general economic conditions, and other underwriting criteria, Lexington Law cannot guarantee you will get a loan even if your report and score improve.

More than one in five credit reports contain a mistake, impacting 40 million consumers nationwide

icon
1. FREE PERSONALIZED CREDIT REPORT CONSULTATION
icon
2. Free TransUnion FICO© Credit Score
icon
3. Free TransUnion Report Summary

Learn more with a FREE credit report consultation

Call 1-855-255-0139

Our Repair Process

icon
1. Credit Report Analysis

We obtain your credit reports and create a plan targeting your questionable negative items affecting your credit score.

icon
2. Credit Disputing

Our team will send the appropriate correspondence to dispute and challenge the inaccurate negative items on your behalf.

icon
3. Dispute Escalation

For negative items requiring additional correspondence, we keep the process going and ensure your credit rights are fairly represented.

icon
4. Credit Mentoring

Through the online portal and app, we offer 24/7 access to your credit score analysis and credit counseling solutions to help you reach your credit goals.

Learn more with a FREE credit report consultation

Call 1-855-255-0139

Find the right service for you

Call 1-855-255-0139

service levels

We offer services to fit every budget and credit situation
Most Popular
PremierPlus
Advanced
Bureau challenges
Creditor interventions
InquiryAssist
Score analysis
ReportWatch
TransUnion® alerts
Cease & desist letters
FICO® score tracker
Identity protection
Personal finance tools
Concord Premier
Moderate
Bureau challenges
Creditor interventions
InquiryAssist
Score analysis
ReportWatch
TransUnion® alerts
Cease & desist letters
FICO® score tracker
Identity protection
Personal finance tools
Concord Standard
Basic
Bureau challenges
Creditor interventions
InquiryAssist
Score analysis
ReportWatch
TransUnion® alerts
Cease & desist letters
FICO® score tracker
Identity protection
Personal finance tools
Service Level
PremierPlus
Advanced
Concord Premier
Moderate
Concord Standrd
Basic
Most Popular
Challenges
Intervention
Inquiery Assist
Score Analysis
Report Watch
TU Alerts
Cease & Desist
$100 value for $20 more than Concord Premier
FICO® Tracker
ID Protection
Finance Tools

Meet Our New York City Lawyers

Lexington Law is proud to offer credit repair services for New York City.

All of our services are available online, at any time.


John Icon

JOHN C. HEATH

DIRECTING ATTORNEY

John Heath was born and raised in Salt Lake City, Utah. He received his BA from the University of Utah and his Juris Doctor from Ohio Northern University. While attending law school, John spent a semester abroad in Cairo, Egypt, (through Seton Hall University) where he studied Islamic Law....

Read more


Chris Johnson icon

Chris Johnson

OF COUNSEL TO LEXINGTON LAW*

Chris J. Johnson received his Juris Doctorate from the University of North Carolina at Chapel Hill in 1982. The following year Mr. Johnson moved to New York City to become an Assistant District Attorney in Bronx County, subsequently moved to a plaintiff's personal injury firm, and finally established his own private practice in Manhattan in 1987....

Read more

Find the right service for you

learn more
Best company review badge
Best Credit Repair Companies

Confirming Your Phone Order

Phone Confirm