Credit repair

Lexington Law is here to help you meet your credit score goals. Our credit repair services can help you work to remove the inaccurate or unfair negative items listed on your credit report.

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Call 1-855-255-0139

Find out why over 500,000 clients chose Lexington Law

Call 1-855-255-0139

What is Credit Repair?

Credit repair is the process of improving a poor credit score by addressing or removing negative items that could be listed on your reports inaccurately. Although the Fair Credit Reporting Act outlined the right for Americans to have accurate credit reports, credit reporting agencies require you to navigate complicated online systems and send a series of formal dispute letters in order to fix your credit.

To make credit repair easier, Lexington Law can identify and challenge questionable items on your behalf. Using our patented credit repair process, Lexington Law's clients have seen over 56 million negative items removed from their credit reports since our founding in 2004.

Call for a free credit consultation

Call 1-855-255-0139

Credit Repair Service Levels

Lexington Law offers a variety of service levels to support every budget and need. Our credit repair services levels range from $89.85 to $129.95 and each option offers you a unique coverage to fix errors on your credit report.
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

Is credit repair right for you?

Depending on the status of your credit report, credit repair might not be the best next step to raising your credit score. Our credit repair services are designed to help those who are most in need of negative item removals from their report.

Answer the following questions to find out if credit repair is right for you.

Have you ever made a payment late?

Have you ever been denied a loan or credit card?

Yes No

Have you recently had your credit checked?

Yes No

How long does credit repair take?

Unfortunately, there’s no way to predict in advance how long it will take to repair your credit, as every credit report is unique. That being said, we help hundreds of thousands of people each year work to repair their credit, and typically they’ve stayed with us for six months. With our team of professionals, credit monitoring software and mobile app dashboard, our removal process is streamlined to get you results.

Our average client uses our service for
6 months
While every credit situation is different, we do everything we can to make the process faster and more efficient.

Your Credit Rights

The Fair Credit Reporting Act (FCRA) plays a major role in the credit repair process as it's laws protect consumers by governing credit bureaus and the furnishers of credit information like creditors and financial institutions. Some of the key laws and rights granted in the FCRA include:

  • Credit bureaus are required to provide one free credit report every 12 months.
  • Credit bureaus are required to verify the accuracy of information listed on the report.
  • Creditors and financial institutions are required to only report complete and accurate consumer information.
  • Consumers can challenge incorrect and incomplete items listed on a credit report.
  • Consumers can seek damages from credit bureaus and furnishers violating the FCRA.
  • Consumers can limit who can access your credit reports.
  • Consumers can request if your credit report is being used against you financially.

The team at Lexington Law will help you understand your credit profile and rights as a consumer during our free credit consultation.

Do It Yourself Credit Repair

If the number of errors on your credit report are below average, fixing credit yourself could end up being a free alternative. To get started, our tips on DIY credit repair will cover how to request a free credit report, and review it for error. For information on removing negative items, our guide to credit disputes will get you started with the basic process of disputing through removal letters. For direct information on removing negative items, our free credit dispute letter templates will help in removing some of the common errors found on a credit report.

609 Dispute Letters | Pay For Delete Letters | Goodwill Letters | Hard Inquiry Dispute Letters

Maintaining Good Credit

If your credit report is already free of errors and negative items, credit repair will not help you raise your credit score. After your report is clean, raising your score comes down to practicing good credit habits and being mindful of how a credit score is calculated. For more detailed insight on improving your credit, here are the five main factors that affect your score:

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