Kara Sears
Lexington Law Firm is a legitimate law firm that has been helping clients since 2004 to remove negative items from their credit reports that are inaccurate, unverifiable, and unfair. The firm offers a free credit repair consultation, which includes a review of your credit report summary and score. They also offer a range of service levels to match your unique needs. While Lexington Law Firm cannot guarantee better results, their more expensive service levels offer additional monthly challenges and disputes, which may help you reach your credit goals sooner. The firm has represented over 10.5 million people with their credit and their clients saw over 4 million removals on their credit reports in 2022.
| Characteristics | Values |
|---|---|
| Nature of the Firm | Credit repair law firm |
| Services | Help clients remove negative items from credit reports, credit repair consultation, credit repair services |
| Clients | Over 10.5 million people since 2004 |
| Pricing | $139.95 per month for the PremierPlus service |
| Discounts | 50% off first-work fee for veterans and active military, 50% off for spouse |
| Results | 4 million removals on client credit reports in 2022, 77 million removals since 2004 |
| Limitations | Cannot guarantee better results, cannot guarantee success |
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What You'll Learn
Removing judgements from credit reports
A judgement is a court order that results from a lawsuit. Only civil judgments are reported to the credit bureaus. These types of judgments are court rulings that pertain to the repayment of a debt. When a creditor sues for the money owed, the court decides on the merits of the case. If the judge rules against you, the decision becomes a judgment against you.
A judgement on your credit history can severely damage your score. It means that a lender had to go to court to recover their money from you. This tells potential lenders that you cannot be trusted to pay them back. Any lender still willing to do business with you will do so knowing that you are a risky customer and will likely impose stringent terms and higher interest rates.
There are a few ways to remove judgments from your credit report:
- A vacated judgment is one that you appealed, and the court dismissed. You can file a motion appealing the original ruling.
- In some states, a judgment is removed if you pay it. Some state laws require judgments to be removed from your credit report when they are paid. However, debt collectors and creditors can re-file the judgment if it is unpaid, known as an unsatisfied judgment.
- Contact a credit repair company like Lexington Law Firm. They have been helping clients remove negative items that are inaccurate, unverifiable, and unfair. They offer a free credit repair consultation, which includes a complete review of your credit report summary and score. They have a team of lawyers guiding their credit repair process and have helped over 10.5 million people with their credit since 2004. Their clients saw over 4 million removals on their credit reports in 2022. However, they cannot guarantee better results.
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Appealing original court rulings
A judgement is a court order that results from a lawsuit. It is a civil judgement that is reported to the credit bureaus when a lender has to go to court to recover their money from you. A judgement on your credit report can severely damage your score and can lead to higher interest rates on any line of credit offered to you.
Lexington Law Firm is a real law firm with actual lawyers that has focused almost exclusively on credit repair since 2004. The firm offers a free credit repair consultation, which includes a review of your credit report summary and score. They have represented over 10.5 million people with their credit, and their clients saw over 4 million removals on their credit reports in 2022.
Lexington Law Firm can help you remove negative items from your credit report that are inaccurate, unverifiable, and unfair. They can also help you challenge a judgement on your credit report by filing a motion appealing the original ruling.
In the US, the losing party in a decision by a trial court in the federal courts is normally entitled to appeal the decision to a federal court of appeals. The party appealing is called the appellant, and they present legal arguments in a document called a "brief", trying to persuade the judges that the trial court made an error. The other party is called the "appellee" and they try to show why the trial court decision was correct. Appeals are not retrials, and new witnesses or evidence are not usually considered. Appeals are usually based on arguments that there were errors in the trial procedure or the judge's interpretation of the law. If the appeals court affirms the lower court's judgement, the case ends unless the losing party appeals to a higher court.
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Removing judgements by paying
A judgement is a court order that results from a lawsuit. Civil judgements are reported to credit bureaus and pertain to the repayment of a debt. When a creditor sues for money owed, the court decides on the merits of the case. If the judge rules against you, the decision becomes a judgement against you, forcing you to pay back what you owe.
Lexington Law Firm is a real law firm that has been helping clients remove negative items from their credit reports for over a decade. The firm offers a free credit repair consultation, which includes a review of your credit report summary and score. While Lexington Law Firm cannot guarantee better results, its more expensive service levels offer additional monthly challenges and disputes, which may help you reach your credit goals sooner.
If you are dealing with a debt in collections, Lexington Law may be able to help. The firm works with your creditors and the credit bureaus to notify you of updates to your credit profile. You can contact the credit bureaus and your creditors to get any questionable negative items removed from your credit reports. However, this process can be time-consuming and confusing. Working with a reputable credit repair law firm like Lexington Law can help you remove these items from your reports quickly and efficiently.
If a creditor has sued you and obtained a court judgement against you, you have three main options:
- Pay the debt: You may be able to negotiate a voluntary payment plan with the debt collector.
- File to have the judgement vacated or removed: A vacated judgement is one that you appealed, and the court dismissed.
- File for bankruptcy: You can file for bankruptcy to discharge the debt and stop all collection efforts, including those related to a court judgement.
Some state laws require judgements to be removed from your credit report when they are paid. In some states, debt collectors and creditors can re-file the judgement if it is unpaid, known as an unsatisfied judgement. Therefore, it is in your best interest to pay your judgement as soon as possible if you cannot get it removed. When judgements appear on your credit reports, they can severely damage your score. A judgement in your credit history tells potential lenders that you are a risky customer, and they may impose stringent terms and higher interest rates.
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Lexington Law Firm's credit repair services
Lexington Law Firm is a legitimate law firm with actual lawyers that offers credit repair services. The firm has focused almost exclusively on credit repair since 2004 and has represented over 10.5 million people with their credit since then. The firm's clients saw over 4 million removals on their credit reports in 2022 and over 77 million removals since 2004.
Lexington Law Firm offers a free credit repair consultation, which includes a complete review of a credit report summary and score. The firm's credit repair services are designed to remove incorrect information appearing on credit reports. For example, if a credit report shows that a client filed for bankruptcy when they did not, the firm can dispute the mistake and have the notation removed. The firm also helps clients address unfair and unsubstantiated items on their credit reports.
Lexington Law Firm offers different service levels depending on clients' needs. The more expensive service levels offer additional monthly challenges and disputes, which may help clients reach their credit goals sooner. For $139.95 per month, the PremierPlus service level adds genuine FICO® Score tracking and analysis, tools to protect and manage identity and finances, and additional legal interventions for abusive third-party debt collectors.
The firm provides regular updates to clients' credit profiles via email. When items are removed or improved, clients will see them first on their credit report, which is updated regularly online. The firm also offers a discount to all veterans and active military, providing a 50% discount on the first-work fee.
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Removing judgements by disputing bankruptcy
A judgement is a court order that results from a lawsuit. Civil judgements are reported to credit bureaus and pertain to the repayment of a debt. When a creditor sues for money owed, the court decides on the merits of the case. If the judge rules against you, the decision becomes a judgement against you, forcing you to pay back what you owe.
Lexington Law Firm is a real law firm with actual lawyers that can help with credit repair. They have been helping clients remove negative items that are inaccurate, unverifiable, and unfair. They offer a free credit repair consultation, which includes a review of your credit report summary and score. They also offer different service levels depending on your needs.
Now, onto the topic of removing judgements by disputing bankruptcy. Firstly, it is important to note that most judgements can be discharged by bankruptcy, except for those based on fraud. If you file for bankruptcy, you will be discharged from any personal liabilities, including debts owed to creditors. However, bankruptcy will not be able to remove a lien that has already been placed on your property.
If a creditor obtains a judgement against you for a dischargeable debt in Chapter 7 bankruptcy, filing for bankruptcy will eliminate their ability to collect. However, they can place a lien on your property, which can be problematic. You might be able to eliminate a judgement lien in bankruptcy, but only to the extent that you could have "exempted" or protected the property during bankruptcy.
To remove a lien, you would need to file a motion to remove it, and even then, there are complexities and limitations. For instance, if your creditor placed a lien on your house for $75,000, and your state has a $50,000 homestead exemption, the court would allow you to avoid $50,000, but a lien for $25,000 would remain. This is why it is recommended to consult with a bankruptcy lawyer for a thorough case assessment, as they can guide you through the complexities of lien removal and help protect your valuable property.
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Frequently asked questions
A judgment is a court order that results from a lawsuit. Civil judgments are reported to credit bureaus and pertain to the repayment of a debt.
Lexington Law Firm can help remove negative items on your credit report that are inaccurate, unfair, or unsubstantiated. However, they cannot guarantee the removal of accurate information.
Lexington Law Firm works with clients to dispute questionable negative items on their credit reports. They can file disputes with credit bureaus on the client's behalf and request removals.
Lexington Law Firm cannot guarantee the removal of accurate information from credit reports. They also cannot provide legal, financial, or credit advice.
Lexington Law Firm offers a range of service levels to match different needs and budgets. They provide free credit repair consultations and reviews of credit report summaries. They also offer identity protection and management tools, as well as legal interventions for abusive debt collectors.
