Fixing credit
Credit industry
Negative items
Understanding credit
If you and your ex-spouse shared joint accounts, bad credit could follow you even after your divorce. Our credit advisors will help you identify credit accounts owned and managed by your ex-spouse, handle creditor interventions and work to remove inaccurate, negative items from your credit report. We will help you understand and enforce the new boundaries set forth in your divorce decree, as well as offer education on how to regain your credit independence.
Many new college graduates find themselves unable to face the financial burdens of life after college. In a lagging economy, loan repayment can prove more difficult for low-income workers. If your credit has suffered because of unfair credit reporting related to student loans, our credit advisors may be able to help.
Credit damage is almost certain in cases of identity theft. Even if your accounts are closed and your money is refunded, you could be dealing with the consequences long after the initial crime. Take control of the situation by ensuring the removal of any inaccurate, negative items on your credit reports, identifying and closing compromised credit accounts and communicating with credit reporting bureaus and your lenders.
Millions of servicemen and women risk their lives and sacrifice their time to protect our freedom. When it comes to finances, federal law makes sure they are covered during times of duty. Unfortunately, credit reporting may not always reflect these protections. Many lenders and retailers fail to honor the consumer protections afforded military members, forcing them to deal with bad credit. If your credit score has been afflicted by similar issues, help is here.
"The staff at Lexington Law has done the things they told me they were able to do for me. I have been with Lexington Law for only two months and my credit has already improved. My goal is to qualify for a home loan, and I have all the confidence that working with Lexington can help me accomplish this. I'm grateful for this company, it's the second time I signed up for their services, and they have never failed me."
Health-related debt is one of the leading causes of bankruptcy. An estimated 52 million Americans live without medical coverage, and many who are covered still struggle with rising costs. Fortunately, federal law protects your privacy when it comes to reporting issues surrounding your health. Take this route to learn more about your rights and what health providers can and cannot report to credit bureaus.
Although you may carefully manage your finances and work hard to protect your credit score, it's difficult to anticipate a situation as serious as the impact that coronavirus (COVID-19) has had on the national economy. Although there are some lender accommodations, many of them are only available if specifically asked for. In most cases, your creditor or lender will not offer them to you. The National Emergency Focus Track is dedicated to allowing you to take full advantage of any relief opportunities provided by the government or privately by your lender.
