Lexington Law is a credit repair firm that is headquartered out of Salt Lake, Utah.
There are 400 employees 22 of which are credit lawyers. They have been operating for over 17 years and have served 1/2 million people. They dispute negative items on your credit.
Is it legal?
Yes, it is not only legal but it is your responsibility. The Fair Credit Reporting Act gives you the right to dispute any item you feel is not accurate on your report. In addition this law says that the bureaus must remove an item that is not verified by the creditor.
How does it work?
You forward a copy of your credit reports to Lexington. You also indicate what items you want them to dispute.
Then Lexington will create a dispute letter on your behalf and send it to each credit bureau. Then you will receive notification from the bureaus regarding the disputed items and if they were verified by the creditor or if the bureaus removed the item from your report. You then forward these updates to Lexington.
How long does it take?
This will depend upon how many items you are disputing. You should expect it to take at least 6 months and for most it should not exceed 12 months.
What is the cost?
They have three levels of service. The prices are $39, $59, and $79. There is an upfront set up fee of $99.
Can I dispute my credit myself?
Yes, we actually encourage you to if you have minor damage on your report. For you to dispute an item you must create a dispute letter and mail it to each credit bureau.
Upon receipt of you letter the bureaus will conduct an investigation into the item. They will contact the creator of the negative item and ask them to verify the account, the balance on the account, and the dates. If the item is not verified then the bureaus will delete it from you report.
What else can I do to improve my score?
We suggest you open a new revolving line of credit such as a credit card. This will help you to build a positive payment history by making your on time monthly payments. This factor is almost as important as negative items when your score is calculated.
In sum you can repair a low credit score. By building a positive payment history and removing negative items you will improve your score. - 16928
There are 400 employees 22 of which are credit lawyers. They have been operating for over 17 years and have served 1/2 million people. They dispute negative items on your credit.
Is it legal?
Yes, it is not only legal but it is your responsibility. The Fair Credit Reporting Act gives you the right to dispute any item you feel is not accurate on your report. In addition this law says that the bureaus must remove an item that is not verified by the creditor.
How does it work?
You forward a copy of your credit reports to Lexington. You also indicate what items you want them to dispute.
Then Lexington will create a dispute letter on your behalf and send it to each credit bureau. Then you will receive notification from the bureaus regarding the disputed items and if they were verified by the creditor or if the bureaus removed the item from your report. You then forward these updates to Lexington.
How long does it take?
This will depend upon how many items you are disputing. You should expect it to take at least 6 months and for most it should not exceed 12 months.
What is the cost?
They have three levels of service. The prices are $39, $59, and $79. There is an upfront set up fee of $99.
Can I dispute my credit myself?
Yes, we actually encourage you to if you have minor damage on your report. For you to dispute an item you must create a dispute letter and mail it to each credit bureau.
Upon receipt of you letter the bureaus will conduct an investigation into the item. They will contact the creator of the negative item and ask them to verify the account, the balance on the account, and the dates. If the item is not verified then the bureaus will delete it from you report.
What else can I do to improve my score?
We suggest you open a new revolving line of credit such as a credit card. This will help you to build a positive payment history by making your on time monthly payments. This factor is almost as important as negative items when your score is calculated.
In sum you can repair a low credit score. By building a positive payment history and removing negative items you will improve your score. - 16928
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For more about Lexington Law or how to proceed with a credit report dispute visit us.
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