Cecily Zamora
Lexington Law Firm is a credit repair firm that helps clients address inaccurate, unfair, or unsubstantiated items on their credit reports. The firm offers a free credit repair consultation, which includes a review of a client's credit report summary and score. After signing up, clients answer questions about items on their report, and Lexington Law decides how best to handle their credit repair needs. The firm then works with clients to identify which negative items on their report can and should be addressed, sending challenges and disputes on their behalf. If the creditors and credit bureaus cannot provide evidence that the items in question are fair and accurate, they are legally required to remove them. While there is no definitive timeline for credit repair, Lexington Law clients have seen millions of negative items removed from their credit reports.
| Characteristics | Values |
|---|---|
| Items Removed | 83 million items removed from clients' credit reports since 2004; 4 million removals in 2024 |
| Average Increase in Credit Score | 40 points in six months |
| Average Client Retention | Six months |
| Cost | $139.95 per month |
| Initial Cost | $0 upfront |
| First Payment | $139.95, 5-15 days from start date |
| Discounts | 50% off first-work fee for veterans and active military; 50% off for spouses |
| Services | Credit repair consultation, credit report summary, and score; debt validation procedures; attorney-written letters; creditor interventions; bureau challenges |
| Process | Identify inaccurate, unfair, unsubstantiated, or questionable negative items on credit report; challenge and dispute these items with creditors and credit bureaus |
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What You'll Learn
Removing inaccurate items
Lexington Law uses a proven process to help clients repair inaccurate and unfair negative items on their credit reports. When you sign up for Lexington Law's services, they will pull your credit reports and then ask you to log into your account and answer questions about the items on your report. Their team of lawyers will then decide how best to handle your credit repair needs. They will look into whether all relevant laws have been followed and whether all the information is being reported accurately. If necessary, one of their paralegals will reach out to get more information.
After identifying which negative items on the report can and should be addressed, Lexington Law will send challenges and disputes on your behalf. If your creditors and the credit bureaus can't provide evidence that the items in question are fair and accurate, they are legally required to remove them. Lexington Law has a long track record of success and their staff stays up to date on the ever-changing laws around credit reporting and disputes.
Lexington Law offers a free credit repair consultation, which includes a complete review of your credit report summary and score. They also offer a variety of service levels to match your unique needs, with the strength and amount of credit repair increasing with each upgrade. There is no definitive timeline for credit repair, as the process varies based on each person's credit needs. However, 77% of Lexington Law clients who saw a credit score increase had an average increase of 40 points in six months.
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Removing unfair items
Lexington Law Firm offers a variety of services to help clients repair their credit by removing unfair, inaccurate, and unsubstantiated items from their credit reports. The firm employs real lawyers and its staff stays up to date on the ever-changing laws around credit reporting and disputes.
When you sign up for Lexington Law’s services, the firm pulls your credit reports and you answer some questions about the items on your report. The firm then identifies which items are unfair, unsubstantiated, or inaccurate, and works with you to address them. If the negative items on your credit report have been accurately reported, they cannot be removed. However, if the items are inaccurate or unfair, you can correct or repair them with the credit bureaus and your creditors. Lexington Law can help you challenge the accuracy of these items and ensure that your credit report is fair, accurate, and substantiated.
Lexington Law offers a free credit repair consultation, which includes a complete review of your credit report summary and score. The firm also provides attorney-written letters to send to creditors in case of fraudulent inquiries on your credit report. In some cases, the firm can assist with sending a “pay for delete” letter, where you may have to pay all or part of the balance of a legitimate unpaid collection on your account to have it removed.
There is no definitive timeline for credit repair as it varies based on each person's credit needs. However, Lexington Law clients have seen millions of negative items removed from their credit reports, with an average increase of 40 points in six months. The firm offers a variety of service levels to match different budgets and needs, with the basic plan costing $139.95 per month.
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$18.9
Removing unsubstantiated items
Lexington Law helps clients remove unsubstantiated items from their credit reports. When you sign up for their services, they pull your credit reports and ask you to log into your account to answer questions about the items on your report. This helps them understand which items are unfair, unsubstantiated, or inaccurate, and whether all relevant laws have been followed and whether all the information is being reported accurately.
If there are unsubstantiated items on your credit report, Lexington Law will work with you to identify which negative items can and should be addressed, and then send challenges and disputes on your behalf. If your creditors and the credit bureaus can’t provide evidence that the items in question are fair and accurate, they’re legally required to remove them.
Lexington Law offers a free credit repair consultation, which includes a complete review of your credit report summary and score. They also offer a variety of service levels to match your unique needs, and some of these services are free.
There is no definitive timeline for credit repair, as the process varies based on each person’s credit needs. However, 77% of Lexington Law clients who saw a credit score increase had an average increase of 40 points in six months.
Since 2004, Lexington Law Firm clients have seen over 83 million items removed from their credit reports.
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Removing duplicate accounts
There is no definitive timeline for credit repair, and the process varies based on each person’s unique credit needs. However, Lexington Law has a proven process to help clients repair inaccurate, unfair, or questionable negative items on their credit reports.
To start, Lexington Law pulls your credit reports and has you log into your account to answer questions about the items on your report. This helps their team decide how best to handle your credit repair needs. They want to know which items are unfair, unsubstantiated, or inaccurate, so they can determine whether all relevant laws have been followed and whether all information is being reported accurately. These items could be wrongfully hurting your credit. If necessary, a paralegal will reach out to get more information.
After identifying which negative items on your report can and should be addressed, Lexington Law sends challenges and disputes on your behalf. If your creditors and the credit bureaus can’t provide evidence that the items in question are fair and accurate, they’re legally required to remove them.
Lexington Law offers a free credit repair consultation, which includes a complete review of your credit report summary and score. They also offer a variety of service levels to match your unique needs, some of which are free.
In terms of removing duplicate accounts, Lexington Law can assist with challenging credit report items like duplicate accounts and fraudulent accounts. They will provide attorney-written letters for you to send yourself. In some cases, more than a challenge letter is required for removal, and Lexington Law handles additional correspondences with creditors.
While there is no guarantee that your credit will be repaired, Lexington Law promises to help address any unfair or inaccurate negative items hurting your credit profile. Since 2004, Lexington Law Firm clients have seen over 83 million items removed from their credit reports.
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Removing fraudulent accounts
There is no definitive timeline for credit repair, and the process varies based on each person's credit needs. However, Lexington Law has a proven process to help clients repair inaccurate, unfair, and negative items on their credit reports.
If you have fraudulent accounts on your credit report, you can take the following steps to remove them:
Gather evidence:
Obtain a police report confirming that you were a victim of identity theft, and specifying the accounts on your credit report that were opened fraudulently. You can create an identity theft report through the FTC's website.
Contact financial institutions:
Reach out to the financial institutions where fraudulent accounts were opened to gather information about when the accounts were opened and what information was used. You can then request that these accounts be closed.
Send a letter:
Prepare a dispute letter and send it to credit bureaus like Experian, Equifax, and TransUnion, requesting that the fraudulent accounts be removed from your credit reports. Include a copy of the police report, your driver's license, social security card, and a current utility bill to prove your address. Send these letters by certified mail so you have proof of delivery.
Review your results:
After the credit bureau completes its investigation, you should receive a response with the results and an updated copy of your credit report. If the fraudulent account was removed, your credit score may increase.
Additional steps:
If the response from the credit bureau is unsatisfactory, consult a lawyer for further guidance. You can also contact the Social Security Administration to report a misused Social Security number, place fraud alerts with credit bureaus, change your passwords and login information, and monitor your credit regularly for any suspicious activity.
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Frequently asked questions
There is no definitive timeline for credit repair as the process varies based on each person's credit needs. However, Lexington Law clients have seen over 4 million removals on their credit reports within six months of using the service.
Lexington Law uses a proven process to help clients repair inaccurate and unfair negative items on their credit reports. They first pull your credit reports and ask you to answer questions about the items on the report. Then, they decide how best to handle your credit repair needs by identifying which items are unfair, unsubstantiated, or inaccurate. If necessary, a paralegal will reach out to you for more information. Finally, they send challenges and disputes on your behalf to the creditors and credit bureaus. If these parties cannot provide evidence that the items in question are fair and accurate, they are legally required to remove them.
Lexington Law can help remove various questionable negative items from your credit report, including inaccurate and unfair items, duplicate accounts, fraudulent accounts, and fraudulent inquiries. They can also assist with sending a pay for delete letter for legitimate unpaid collections on your account. Additionally, they offer debt validation procedures to help remove collections from your credit profile for debts you do not owe.
