If you are suffering from poor credit and wondering how you can go about improving your credit standing, enlisting a credit repair company like Lexington Law to help may be the right choice. The credit repair process involves disputing errors on credit reports. If you believe that there are inaccurate items on your report, credit repair may be the right choice for you. If you have items on your report that are verifiable and real, a credit repair company would not be able to assist you.
Who is Lexington Law?
Lexington Law has been repairing credit since 2004 and staffs experienced lawyers and paralegals who work to protect consumers’ credit rights. Their extensive knowledge of credit law has helped them successfully repair thousands of consumer credit reports. Their ultimate goal is to help clients take charge of their credit and achieve their financial goals. Since their inception, they have challenged over 180 million items on behalf of their clients. In 2019 alone, they were able to remove over 1.5 million negative items from clients’ credit reports.
What Can Lexington Law Do For You?
Every year, Lexington Law is successful in removing millions of negative items. Here are some of the items they focus on:
- Late payments
- Charge offs
They work with over 24 licensed lawyers across 19 states. Each of them is trained in both consumer protection law and consumer advocacy. Once you sign up with their services, their first order of business is to obtain your credit reports from the three major credit bureaus (Equifax, Experian, and TransUnion). They will then thoroughly examine your credit report to look for inaccuracies. If they find any, their legal staff will begin drafting letters of dispute to send to the creditors or bureaus. Who they send the dispute letter to will depend on the type of error they find. Once these disputes have gone out, they wait for responses. They will continue to follow up with the creditors and bureaus until the issues are resolved.
During the credit repair process, you are free to contact your representative for progress updates or even to receive credit advice. You will also have access to updated information through your personal portal as well as educational resources. Click here to read a full review of Lexington Law.
How Long Will The Credit Repair Process Take?
On average, it will take about six months to repair your credit. Each case is different and may require more or less time to achieve results. In addition, there are no guarantees in credit repair. Any company that offers you a guarantee is not reputable. The key thing to consider when choosing a credit repair company is the amount of positive reviews. With so many years in business, Lexington Law has racked up thousands of positive reviews from clients. Although six months is the average, some customers have seen results in as little as 90 days. Ultimately, results are dependent on the state of your credit at time of enrollment.
Lexington Law Service Plans
There are three plans to choose from and the right one for you will depend on your credit situation and the level of service you need.
Is Lexington Law Worth The Investment?
If you are suffering from poor credit, enlisting a reputable credit repair company like Lexington Law may be able to help you. Having good credit is a key part of your financial well-being. Your credit scores are a key determining factor for approval for everything from a loan to the interest rates you will pay. Your credit score also helps determine your auto premium and whether you get approved for an apartment rental. As you can see, your credit scores determine quite a lot when it comes to your finances.
Signing up for credit repair services will cost you money but getting your credit back in good standing can help you save thousands in the long run.