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 221 million challenges and disputes since our founding in 2004.
How We Help Fix Your Credit
1. Credit Report Analysis
We obtain your credit reports and create a plan targeting the questionable negative items affecting your credit score.
2. Credit Disputing
Our team will send the appropriate correspondence to dispute and challenge the inaccurate negative items on your behalf.
3. Dispute Escalating
For negative items requiring additional correspondence, we keep the process going and ensure your credit rights are fairly represented.
Credit Repair Service Levels
Over the past two decades Lexington Law has pioneered new credit reporting strategies that increased the effectiveness of case outcomes and improved individual results. In 2020 alone our clients saw over 7 million removals on their credit reports.
But don’t take our word for it. Explore some of our reviews and see what our customers have to say about our results.
"You are on top of credit repair and you have folks who care about you and are willing to help"
"Excellent detailed customer service and very knowledgeable on process of credit repair and the proper paths to take!"
"The best credit repair business I know. NO BUSINESS IS AS FAST OR ACCURATE AS LEXINGTON LAW."
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?
Have you recently had your credit checked?
don't wait 7 years
Late Payments and Collections are the most common items we deal with and have the most success removing. On their own they usually don't drop off before 7 years.
don't get denied again
Getting your credit score above a 760 will help you get approved and get the best rates on loans and credit cards. We've helped thousands achieve this.
Having your credit pulled can negatively affect your score. We have ways to manage that.
free credit consultation
Late Payments, collections and hard inquiries are just a few of the most common items we deal with but we also specialize in: judgments, charge offs, bankruptcy and liens.
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.
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: