Sign up
Log in
new-york-credit-repair-hero
New York City

Credit repair for New York City, New York


Start working toward better credit

Start now

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 New York City and greater New York 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.

Our credit repair process

Credit report analysis
Step 1
Credit report analysis
We obtain your credit reports and create a plan targeting your questionable negative items affecting your credit score.
Credit disputing
Step 2
Credit disputing
Our team will send the appropriate correspondence to dispute and challenge the inaccurate negative items on your behalf.
Dispute escalation
Step 3
Dispute escalation
For negative items requiring additional correspondence, we keep the process going and ensure your credit rights are fairly represented.
Credit mentoring
Step 4
Credit mentoring

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.

Learn more with a FREE credit report consultation
Get started Or sign up online >>

Live the NYC lifestyle without sacrificing your financial health

 

NYC’s reputation for being one of the most expensive cities to live in is well known. And yet, it still manages to shock people just how much everyday costs can add up here. The city that never sleeps has so much to offer everyone, from a superb social scene to fantastic restaurants and events—but the costs of these things add up.

 

Unfortunately, New York’s extraordinary cost of living prices mean more and more people in the city are living with financial problems. New Yorkers have higher credit card debt and higher rates of delinquent payments past 90 days compared to national averages. One study found that while the national average for a credit card balance was $5,400, the average balance in Manhattan was significantly higher at $7,400.

 

If you plan to continue to live in the Big Apple, you’ll need to focus on fixing your credit. Credit repair services can help you prioritize address your finances and your debt and start improving your credit score and credit report. You don’t have to sacrifice your NYC lifestyle, but you should prepare for the future and be financially responsible.

Cost of a Home Mortgage

Average cost of a home in New York City: $649,026
Monthly mortgage payment with a

640 credit score:

$3,199
Monthly mortgage payment with a

750 credit score:

$2,894
Payments based on a 30-year fixed mortgage.

Cost of a Car Loan

Average cost of a car in New York City: $21,895
Monthly car payment with a

640 credit score:

$548
Monthly car payment with a

750 credit score:

$496
Payments based on a 48-month loan term.

Cost of Credit Card Debt

Average cost of credit card debt in New York City: $5,392
Minimum monthly payment with a

640 credit score:

$143
Minimum monthly payment with a

750 credit score:

$130
Example results are accurate as of 11/4/19. Calculators are a tool provided to users to assist in making financial decisions. The results and accuracy are based on the information you enter. Because getting a loan is based on many factors in addition to your credit report and credit score, such as, credit utilization, financial situation, loan amount, loan term, loan usage, general economic conditions, and other underwriting criteria, Lexington Law cannot guarantee you will get a loan even if your report and score improve.

Additional credit repair services

FREE personalized credit report consultation
FREE personalized credit report consultation
FREE TransUnion FICO credit score
FREE TransUnion FICO© credit score
FREE TransUnion report summary
FREE TransUnion report summary
Learn more with a FREE credit report consultation
Get started Or sign up online >>

Low cost legal services

Is your credit score lying? Lexington Law Firm advocates for you, using powerful legal strategies to fight the injustice in your credit reports.
Our Premium Service-2

Our premium service

Skilled lawyers and paralegals
Challenges to multiple credit bureaus
Monthly TransUnion FICO® score updates
Personalized score improvement strategies
$1 million coverage in identity theft insurance
$139.95
/month
Get started

Attorney's in New York City

Lexington Law is proud to offer credit repair services for New York City. All of our services are available online, at any time.
John Icon
John Heath
Directing Attorney
John Heath was born and raised in Salt Lake City, Utah. He received his BA from the University of Utah and his Juris Doctor from Ohio Northern University. While attending law school, John spent a semester abroad in Cairo, Egypt, (through Seton Hall University) where he studied Islamic Law....
Read More

What our New York City clients are saying

"Lexington Law has exceeded my expectations by leaps and bounds. I can not thank you enough."
- Rosalind J.

"Lexington stands with the client. The team works together on your case. And anytime time you call to ask for advice or questions, paralegals are cordial and prepared to answer them. I recommend them to all my friends."

- Mark B.
"The parlegal was efficient and knowledgeable of the answers to my questions."
- Fayann S.

Find the right service for you

Get started