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 Memphis and greater Tennessee 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 Memphis Clients are Saying
"Polite, informative and professional."
– Glenna D.
"Paralegals are great and express genuine concern about clients! I love Lexington Law!"
– Jennifer L.
"The services are great! In no time, I received a text stating a removal from my Experian credit report, and a month later, more removals!"
– Sidra C.
The 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 Memphis 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 Memphis: $95,422
Monthly mortgage payment with a 640 credit score:
Monthly mortgage payment with a 750 credit score:
Cost of a Car Loan
Average cost of a car in Memphis: $23,460
Monthly car payment with a 640 credit score:
Monthly car payment with a 750 credit score:
Cost of Credit Card Debt
Average cost of credit card debt in Memphis: $4,504
Minimum monthly payment with a 640 credit score:
Minimum monthly payment with a 750 credit score:
Our Repair Process
We obtain your credit reports and create a plan targeting your questionable negative items affecting your credit score.
Our team will send the appropriate correspondence to dispute and challenge the inaccurate negative items on your behalf.
For negative items requiring additional correspondence, we keep the process going and ensure your credit rights are fairly represented.
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.