Military Service

Millions of servicemen and women risk their lives and sacrifice their time to protect our freedoms. 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.

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What you get

CREDIT SCORE MONITORING AND ALERTS

REVIEW OF YOUR CREDIT REPORTS

CASE UPDATE TRACKER

CREDIT BUREAU AND LENDER INTERVENTION SERVICES

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Repairing credit impacted by military service

We will carefully review copies of your credit reports to search for any inaccurate and negative items that can be challenged. After reviewing your credit reports, we will create credit bureau challenges and send creditor interventions as applicable. Additionally, we will attempt to leverage the goodwill of your creditors regarding your military service as we proceed with your case.

Is my military service listed on my credit report?

Your military service will not be automatically reported on your credit report. For many members of the military who have spent years in service overseas, it’s not uncommon to see a drop in your credit score due to a thin credit history or missing a few bills. However, there are options for repairing your credit after the fact.

What are my protected financial rights as a member of the military?

The Servicemen Civil Relief Act (SCRA) states that you are entitled to certain protections under the law while you are serving. This includes protections against default judgements, evictions and others.

What can Lexington Law remove from my credit history?

As we mentioned up above, there are strict credit reporting practices related to military personnel. We can help you work to remove any inaccurate items that may be negatively affecting your credit score, or reach out to your lenders to ask for a goodwill removal.

How long will it take to repair my credit?

Each situation is different, and it’s difficult to estimate how long it can take to repair your credit. However, you will be able to track your credit repair process. You can stay up to date with any inaccurate items on your credit report and progress being made on your individual case through Lexington Law’s online portal.

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Credit scores and the military

Those who serve in the military are more than familiar with sacrifice. They spend long periods of time away from their homes and families, often risking their lives to protect and defend the freedom of all Americans.

What rights and protections do members of the military have while they are deployed?

Money management guide for veterans

CREDIT REPAIR FOR VETERANS

The Military Focus Track

What you get

Repairing credit impacted by military service

FAQs

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Protection of your consumer rights