Kara Sears
Lexington Law Firm is a trusted attorney firm that helps people fix their credit reports. The firm offers a free consultation and provides services to match unique client needs. With over 450,000 active clients, the firm has helped clients see over 77 million removals from their credit reports since its founding in 2004. Clients can call Lexington Law at 1-866-943-1158 or sign up online.
| Characteristics | Values |
|---|---|
| Phone Number | 1-866-943-1158 |
| Alternative Phone Number | 1-855-680-8991 |
| Address | Lexington Law Matter c/o JND Legal Administration P.O. Box 91015 Seattle, WA 98111 |
| [email protected] | |
| Website | www.lexingtonlaw.com |
| Services | Credit repair, credit report consultation, credit score check |
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What You'll Learn
Contacting Lexington Law
There are several ways to contact Lexington Law Firm. The firm offers a free consultation for credit report repair services. You can call the firm on 1-866-943-1158 or sign up online. The website also offers a client login.
Lexington Law Firm also provides a postal address for written requests and updates:
Lexington Law Matter
C/o JND Legal Administration
P.O. Box 91015
Seattle, WA 98111
You can also contact the firm via email at [email protected]. This is the email address for the administrator, and it is used for sending written requests to update your name, along with a copy of a government-issued ID.
Lexington Law also provides a general email address for other queries:
Email: [email protected]
The firm also offers a phone service to assist with potential scam queries. If you think you may have been contacted by a scammer claiming to be from Lexington Law, you can call 1-855-680-8991 between 8 am-9 pm EST, Monday-Friday, except for holidays.
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Lexington Law's services
Lexington Law Firm is a trusted attorney firm that helps people fix their credit reports. The firm has been helping clients with credit repair since 2004 and has seen over 77 million removals from their clients' credit reports.
Lexington Law offers a range of services to match your unique needs and budget. Some of these services are offered for free. The firm provides a free credit report consultation and a free credit score check. The latter is usually a paid service, but Lexington Law provides it at no cost. The firm also offers a free monthly report of the work they are doing for your credit.
Lexington Law helps identify and address questionable negative items on your credit report that are wrongfully hurting your score. They ask the credit bureaus and your creditors to verify these items as accurate and fair, and if they cannot, they are required to remove them. The firm leverages every relevant legal standard for your credit repair case with their lawyer-driven process.
Lexington Law also helps with identity theft issues. They can help you recognize when your identity has been stolen and steer you in the right direction without damaging your credit score.
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Credit repair scams
There are several warning signs to look out for to avoid falling victim to these scams. Firstly, be wary of companies that ask you to pay before providing any services. Under the federal Credit Repair Organizations Act, credit repair companies cannot request or receive payment until they have completed the services they have promised. If a company is telemarketing, the federal Telemarketing Sales Rule may also apply, which includes additional requirements that must be met before charging for services. These requirements include not requesting a fee until the date the company stated it would provide the goods or services, and providing a consumer report showing the results, generated at least six months after the results were achieved.
Another warning sign is a lack of transparency. Legitimate credit repair services must follow clear guidelines for doing business, providing a detailed, upfront explanation of the steps they will take, what you will pay, and your legal rights. They should also give you the right to cancel for no charge within three days. If a company is not forthcoming with this information, it may be a scam.
Additionally, be cautious of companies that promise to remove negative information from your credit report, even if it is accurate and current. No one can do this. Similarly, be wary of companies that advise you to dispute accurate information in your credit report. Disputing errors in your credit report is a free legal right available to you under the Fair Credit Reporting Act, and you do not need to pay a company to do this for you.
Other warning signs include companies that pressure you to pay upfront fees, request unusual methods of payment (e.g. cryptocurrency), or lack an online presence.
To find a reputable credit counselor, you can check for approved counselors online, or contact your State Attorney General's office and local consumer protection agency for recommendations. A reputable agency should be willing to provide free information about their services without requiring your personal details.
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Privacy policy
Lexington Law Firm provides legal services to help repair your credit report and address new credit issues. The company offers a free consultation service, and you can call them to discuss your credit report.
Lexington Law Firm's privacy policy outlines how the company handles and protects the personal information of its clients. The policy is in accordance with relevant data protection laws and regulations, including the Privacy Act. The company takes the privacy and security of personal information very seriously and has implemented appropriate technical and organisational measures to safeguard this data.
Information Collection
Lexington Law Firm collects personal information directly from its clients when they submit it through forms on the website, over the phone, or via email. This includes names, addresses, phone numbers, and other contact details. They may also collect information from third parties, such as credit bureaus, to provide their services effectively.
Use of Information
The personal information collected is used to provide legal services, communicate with clients about their case and the company's services, and improve their service offerings. Lexington Law Firm may also use the information for marketing purposes, such as sending promotional materials or notifications about new services, with the client's consent.
Information Sharing
Lexington Law Firm does not sell or rent personal information to third parties. However, they may share information with their service providers and partners who assist in operating their business, such as payment processors or marketing agencies. The company ensures that these third parties have appropriate data protection practices in place and only share the necessary information.
Data Retention
Lexington Law Firm retains personal information for as long as necessary to provide their services, comply with legal obligations, resolve disputes, and enforce their agreements. The company has procedures in place to securely dispose of or anonymise personal information when it is no longer required.
Data Security
Lexington Law Firm prioritises the security of personal information and has implemented industry-standard security measures to protect the data from unauthorised access, disclosure, or destruction. This includes encryption, firewalls, and access controls.
Client Rights
Clients have the right to access, correct, or update their personal information held by Lexington Law Firm. They can also request the deletion or restriction of their data processing in certain circumstances. The company provides methods for clients to exercise these rights, such as through their website or client support channels.
Changes to the Privacy Policy
Lexington Law Firm may update its privacy policy from time to time to reflect changes in their practices or legal requirements. They will notify clients of any significant changes through their website or other communication channels.
For further details, you can refer to the Lexington Law Firm website, which provides comprehensive information about their privacy practices and how they handle client data.
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Credit repair timeline
Lexington Law Firm is an industry-leading credit repair company that has been operating since 2004. The company uses a proven process to help clients repair any inaccurate and unfair negative items that are wrongfully hurting their credit. These negative items include late payments or collections.
Lexington Law Firm offers a free consultation and a free credit assessment to its clients. The firm's credit repair process is guided by a team of lawyers, experienced attorneys, and paralegals who help clients address unfair, inaccurate, and unsubstantiated items on their credit reports. The team strategically challenges inaccuracies and discrepancies on the client's reports with all three major credit bureaus, ensuring a thorough and comprehensive approach to credit repair.
There is no way to predict how long it will take to repair one's credit as every credit report is unique. However, Lexington Law Firm provides a credit repair timeline and outlines the steps involved in the process. Firstly, the firm obtains the client's credit reports and creates a plan targeting the questionable negative items affecting the client's credit score. Then, the team sends correspondence to dispute and challenge inaccurate negative items on the client's behalf. The firm also provides monthly reports to its clients, detailing the companies they are working with on the client's behalf.
According to the Fair Credit Reporting Act (FCRA), credit bureaus have 30-45 days to investigate a dispute. At the end of this investigative period, the bureaus have five days to send their findings. The bureaus must provide the results in writing and offer a free copy of the updated credit report if the dispute results in any changes. It's important to note that credit bureaus are not obligated to investigate a dispute claim that they deem frivolous, which includes inaccurate or incomplete information on the dispute or multiple attempts to dispute the same item without new evidence.
While there is no guaranteed timeline for credit repair, Lexington Law Firm's clients have seen significant progress, with over 4 million removals on their credit reports in a year, and an average client stay of six months.
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Frequently asked questions
The phone number for Lexington Law is 1-866-943-1158.
The address for Lexington Law is:
Lexington Law Matter c/o JND Legal Administration
P.O. Box 91015
Seattle, WA 98111
The email address for the administrator is [email protected].
