Gavin Howe
Lexington Law is a legitimate law firm with a long track record of success in credit repair. The firm has helped hundreds of thousands of clients repair their credit and improve their credit scores. Lexington Law offers a variety of service levels to match clients' unique needs and budgets, with some services offered for free. The firm helps clients understand their rights as consumers in the credit space and leverages those rights to ensure a fair, accurate, and fully substantiated credit report. Clients can sign up for Lexington Law's services, reach out to client support, or log in to their dashboard on the firm's website.
| Characteristics | Values |
|---|---|
| Type of company | Real law firm with licensed attorneys and paralegals |
| Services | Credit repair, credit monitoring, identity theft protection, digital money management |
| Cost | 139.95 per month, 0 upfront |
| Discounts | 50% off first-work fee for veterans, active military, and spouses |
| Results | 87% of clients who saw their score improve saw an increase of 40 points |
| Timeframe | Varies depending on the specific case |
| Contact | Phone: 1-866-943-1158 |
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What You'll Learn
Understanding your rights as a consumer
Right to Consumer Protection
Consumer protection laws are in place to safeguard you from unfair practices and ensure fair treatment. These laws have evolved over time, with a significant push for regulation occurring in the 1960s and 1970s. While there have been shifts in the government's stance on consumer protection, it is generally recognized that consumers should be protected from predatory practices and injustices in the marketplace.
Right to Information and Transparency
You have the right to clear and transparent information about the products and services you consume. This includes understanding the terms of exchange, pricing, and any associated risks. The Clinton-Gore Plan for Financial Privacy and Consumer Financial Protection in the twenty-first century emphasized expanding consumers' right to know and advocated for clear disclosures in financial transactions.
Right to Fair Credit Practices
As a consumer, you have rights pertaining to your credit. Services like Lexington Law can help you understand and leverage these rights to ensure a fair and accurate credit report. For instance, if you've experienced life events such as divorce, identity theft, or managing student loans, you have protections in place to help you navigate the impact on your credit.
Right to Seek Redress
If you believe your consumer rights have been violated, you have the right to seek redress or resolution. This could involve disputing negative items on your credit report, challenging inaccurate information, or filing complaints with relevant authorities or consumer protection agencies.
Right to Choose
Consumer protection should not limit your choices but rather empower you to make informed decisions. While regulatory interventions might aim to protect consumers, they should not restrict your access to goods and services or drive up prices unnecessarily.
Understanding your consumer rights is a powerful tool. It enables you to navigate the marketplace confidently, make informed choices, and seek appropriate recourse if needed.
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Removing negative items from credit reports
Negative items on your credit report can be a source of stress, affecting your credit score and your ability to qualify for financial products, insurance, jobs, and housing. These items can remain on your report for seven years, and bankruptcy information can stay for ten years. However, you can take steps to remove or dispute negative items and improve your credit score. Here's how:
Identify Inaccurate Information
Review your credit report for any inaccurate or incomplete information. This could include incorrect personal details, late payments, delinquencies, charge-offs, bankruptcies, repossessions, or foreclosures. You are entitled to receive free copies of your credit report from the three major credit bureaus (Experian, Equifax, and TransUnion) once a year through AnnualCreditReport.com.
File a Dispute
If you find errors or inaccurate information, you can dispute them with the credit bureaus. Explain in writing what you believe is wrong and why, and include supporting documents. You can use the sample dispute letter provided by the Consumer Financial Protection Bureau as a guide. Send your dispute letter by certified mail and request a "return receipt" for your records.
Contact Furnishers
Information on your credit report is provided by furnishers, such as your bank, landlord, or credit card company. You can dispute information directly with these furnishers by sending them a written dispute. They are generally required to investigate and respond to your dispute within 30 days. If they find that the information is inaccurate or cannot be verified, they must update or remove it and notify the credit reporting companies.
Goodwill Deletion Request
If your negative items are due to missed payments, you can try sending a goodwill deletion request to your creditor. Explain the circumstances that led to the missed payments, including any hardships or mix-ups. Creditors are not obligated to approve these requests, but it is worth trying, especially if you have a good history with them.
Pay-for-Delete Agreement
Another option is to negotiate a pay-for-delete agreement with the creditor or debt collection agency. In this case, you offer to pay off the debt in exchange for their commitment to remove the negative item from your credit report. While lenders are not supposed to remove accurate negative items, some consumers have reported success with this method.
Monitor Your Credit
Consider using credit monitoring services, such as Lexington Law's ReportWatch, to stay informed about changes to your credit report. These services can alert you to any discrepancies or issues, helping you address them promptly and effectively.
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Identity theft protection
Lexington Law has a long track record of success in helping clients with credit repair. They have helped hundreds of thousands of clients, with 450,000 active clients choosing them to work on their credit repair over the past 5 years. The firm has a team of legal experts, including licensed attorneys with a background in credit law, as well as paralegals, who assist with client cases.
The process starts with a free credit assessment, where they take a close look at your credit and determine which negative items are wrongfully hurting your score. They then ask the credit bureaus and your creditors to verify these negative items as accurate and fair. Lexington Law will also provide attorney-written letters to challenge fraudulent inquiries on your credit report.
To set up a case with Lexington Law, you can sign up for their services online or call them. They offer a variety of service levels to match your unique needs, with some services offered for free. Their monthly fee is $139.95, and you can cancel services anytime. They also offer a discount to veterans and active military, providing 50% off the first-work fee.
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Credit monitoring
The firm's credit monitoring service, ReportWatch, alerts you when something changes on your TransUnion credit report. This service also provides you with information and advice based on the changes that occur. Lexington Law also offers identity theft protection of up to $1 million in insurance.
Lexington Law works with your creditors and the credit bureaus to notify you of updates to your credit profile via email. You will be able to access your account online using the login information you created during the signup process.
The firm offers a variety of service levels, with the strength and amount of credit repair increasing with each upgrade. While Lexington Law cannot guarantee better results, the more expensive service levels offer additional monthly challenges and disputes, which may help you reach your credit goals sooner. For $139.95 per month, the PremierPlus service includes genuine FICO Score tracking and analysis, tools to protect and manage your identity and finances, and additional legal interventions for abusive third-party debt collectors.
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Contacting Lexington Law
To get in touch with Lexington Law, you can either call them or use the chat feature on their website.
Calling Lexington Law
If you are looking for a general guide to credit repair, Lexington Law recommends reading their article “Credit repair: the ultimate guide to fixing your credit”. For specific information about how Lexington Law works, you can refer to their article “How Lexington Law works”. If you are a prospective client, you can call 1-866-943-1158 for a free consultation.
Using the Chat Feature
If you wish to communicate with a representative before signing up, you can use the chat feature on the Lexington Law website. You can expect a prompt response from one of their representatives during their service hours, which are 7am – 7pm (MST), Monday – Friday. If you are a current client, you can log in to your account to access the live chat feature from your account dashboard to speak with a member of their client services team.
Other Ways to Contact Lexington Law
Lexington Law also offers other ways to get in touch, such as signing up for their service and reaching out to client support. You can also refer to their FAQ page to find answers to frequently asked questions. Additionally, you can learn more about their services and sign up online to receive your free credit assessment.
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Frequently asked questions
Yes, Lexington Law is a legitimate law firm with a long track record of success. The firm employs licensed attorneys with a background in credit law, as well as paralegals to assist with client cases.
Lexington Law offers a variety of service levels to match your unique needs, some of which are free. Their paid plan costs $139.95 per month and provides bureau challenges and creditor interventions.
First, Lexington Law will take a close look at your credit and identify questionable negative items that are wrongfully hurting your score. Next, they will ask the bureaus and your creditors to verify these negative items as accurate and fair. They will then work to remove these items from your credit report.
You can sign up for Lexington Law by calling 1-866-943-1158 or by signing up online.
The amount of time it takes to see results may vary depending on your specific case. While some clients have reported seeing improvements within a month, it is important to remember that everyone's credit history is different.
