Frequently Asked Credit
Questions
You've got questions. We've got answers.
While these are some of the most common questions we hear at Lexington Law, if you can't find what you're looking for, don't hesitate to reach out.
Credit
You have a right to an accurate, fair and substantiated credit report. If something on your credit is inaccurate or unfair, you can correct/repair it with the credit bureaus and your creditors.
Any negative item that is inaccurate, unfair or unverified can be challenged with the bureaus and your creditors. This includes collections, late payments, charge-offs, liens, bankruptcies, repossessions and more.
Yes, even after an item is removed or deleted, your creditors may report the item again. That’s why it’s important to contact both the credit bureaus and your creditors. This will increase the likelihood that inaccurate or unfair negative items will not reappear on your credit. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing. If a questionable credit item is verified at a later point in time, Lexington will help you challenge the listing again if there are legitimate grounds to do so.
Credit Repair
Yes—you have a legitimate and legal right to a fair, accurate and substantiated credit report. Credit repair is simply the process of challenging and disputing questionable negative items on your report to ensure those three standards are met—fairness, accuracy and substantiation.
While there are many laws that apply to your credit, the Credit Repair Organizations Act (CROA) and Fair Credit Reporting Act (FCRA) are the two laws we leverage the most.
Our Services
Lexington Law works on your behalf to repair your credit. This can be broken down to three steps:
Step 1: The first step is to set up your case. We’ll pull up a list of the items that are on your credit right now. You’ll review the list and choose which items you think shouldn’t be there.
Step 2: Once you’ve selected the items you want us to look into, we’ll get started. Our team will reach out to the bureaus, collectors, lenders or others on your behalf to dispute or challenge each item, escalating when necessary.
Step 3: You can track progress on each individual item, as well as the overall health of your credit in your client dashboard. You can also upload any relevant documents or correspondence to help with your case from your dashboard. We’ll send alerts to notify you of any changes in your case.
It depends — everyone’s credit history is different. The amount of time it takes before you begin to see changes or positive improvements on your credit depends on your specific case.
As we are working with your creditors and the credit bureaus, we’ll notify you of updates to your credit profile via email. When you have items removed or improved, you will see them first on your credit report, which is updated regularly online. To access your account online, you can login to your client dashboard through our website or through our mobile app. If you’re having any problems logging in, or just need additional assistance, feel free to contact us
Unfortunately, credit repair is never guaranteed. What we can guarantee is that we will do everything in our power to help you achieve a fair, accurate and substantiated credit report.
Our monthly rate is $139.95. We invoice at the end of each service period for completed work.
To get started with Lexington Law today, you can set up your account at no cost.
This includes gathering your credit info, working with you to identify questionable negative items, building a custom plan around your credit situation, and for the start of communications to your bureaus and creditors.
Your first payment will be due after 5 days from sign up, and then you will receive an invoice every month thereafter for completed work.
Currently, Lexington Law Firm accepts all major credit cards (except American Express), debit cards, and verified bank accounts for the monthly recurring payments. Because all payments are drafted automatically on the monthly payment date, pre-paid or non-reloadable cards are not accepted.
Yes, Lexington Law offers a discount to all veterans and active military. We understand that freedom isn’t free, and to honor those that fight to keep us safe, we provide 50% off your first payment to veterans and active military.
Yes, Lexington Law will provide your spouse with a one-time 50% discount when you and your spouse sign up for service. Your spouse can take advantage of this rebate when signing up online using our secure sign-up.
No, Lexington Law Firm offers the same service for everyone.
If you do not or cannot pay, we will cease your service. Of course, we will reach out to you and try to collect payment, or move you over to a different service level if necessary, but we cannot provide credit repair services without payment. A processing fee will incur when there is a declined payment.
You can cancel your case at any time. Lexington Law does not require long-term contracts. To cancel, log in here: Manage your service.
Once your case is canceled, you’ll receive confirmation. Often, a final invoice is created for any work performed from your last invoice date. This amount is typically collected on your regular billing date, unless you request it to be charged on the day of cancellation.
Yes, Lexington Law Firm is a legitimate business. Since 2004, we have been a trusted leader in the credit repair industry. As an experienced consumer advocacy law firm, we help our clients repair their credit to get their financial reputation back on track. Our ultimate goal is to leverage the law to protect each client’s consumer rights.
Yes, Lexington Law Firm is a real law firm, with actual lawyers.
Lexington Law Firm has focused almost exclusively on credit repair since 2004.
Yes, Lexington Law Firm employs licensed attorneys practicing credit law, as well as paralegals to assist with client cases.