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Damaged Credit?
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Leverage our legal team and start the credit repair process today.

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What's impacting your credit

Lexington Law help address your payment history and new credit—which makes up nearly half of your overall score.
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Payment history (35%)

A history of credit and account usage. This category helps lenders understand how you handle financial responsibility. Paying your bills on time and repairing your credit may strengthen your payment history.

Credit utilization (30%)

This category is a ratio of current debt compared to your credit limit. For example, if your total debt equals $5,000 and your credit limit is $10,000, your utilization ratio is 50%. Generally, try to maintain a 25% or less ratio.

Credit age (15%)

Experience is valuable in the credit scoring business. This category measures the total time you’ve had access to credit, and the older your accounts, the better. That’s why keeping old accounts open, active and positive is usually a good idea.

New inquiries (10%)

Allowing others to access your credit report to qualify for a new credit card or loan is called a credit inquiry, which may temporarily lower your credit score. Too many inquiries make you appear reliant on credit, a reputation you want to avoid.

Credit mix (10%)

This category measures your experience with various credit types. Generally, lenders like to see a good variety of loan types, from credit cards to installment loans.

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By identifying and addressing questionable negative items, Lexington Law can help you work towards the credit you deserve.

Credit Repair Questions

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Question
Will my score improve?
Answer
While results vary, the majority of our participating clients see score improvements.
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Question
Is it worth paying for credit repair?
Answer
Think of credit repair like an investment. A little effort today could lead to thousands of dollars in savings tomorrow.
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Question
How long does credit repair take?
Answer
Credit repair is a process that varies for everyone. That being said, our clients typically stayed with us for six months
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Question
Do credit reports contain unfair, inaccurate, and unsubstantiated information?
Answer
1 in 5 Americans found an error on their credit report.
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Question
Do all three credit reports have the same information?
Answers
The three main credit bureaus—Equifax, Experian and TransUnion—all receive and report different information.

Why credit repair?

Many clients have seen significant improvements in their credit scores. Better scores can lead to better financial opportunities such as lower interest rates and increased access to credit.

No cost to start your fight icon
1
Investigate
We'll take a close look at your credit and work with you to determine which questionable negative items are wrongfully hurting your credit.
How we fight for you icon
2
Validate
We’ll take charge of your credit report information and request proof from the bureaus and your creditors on your behalf for credit report fairness and accuracy.
Why Lexington Law icon
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Celebrate
In 2023, a large majority of our clients have seen positive changes to their credit score and an average of 6 items removed from their credit reports.

Find out why hundreds of thousands trust Lexington Law and begin your credit journey today.

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Our ratings and reviews

"I recommend Lexington Law Firm to ALL of my friends. I've never had any issues and they offer a feature that if you pay your bills on time, it will help build your credit history without having to get a new credit card. 😉 When I started my credit journey, I had negative items and a few hard inquiries on my credit. Lexington Law helped me to start fresh. Very grateful for their service."

Justine D

New Hampshire | February 2023

"They are great. They care about you and truly want to ensure they are helping you the best way they can. With their help, 11 negative items were removed from my credit report, and I completely trust them. You will know the next steps and plan that is best for you and your current situation."

Robert P

Colorado | April 2023

"The staff at Lexington Law is knowledgeable, courteous and patient. This is something new for me, and they were very patient with me explaining the process and my responsibilities. You're in good hands with Lexington Law."

Yvonne T

Georgia | February 2023

"I have been with them for years, and let me say they do not stop working around the clock for your credit! They don't just send one little letter either. They have a whole process of letters and fight for you! They have and are helping me so much!"

Natasha M

Oklahoma | May 2023

Info About Our Testimonials
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