How Lexington Law Can Help You, No Matter What Your Credit Score Is

False entries and inaccuracies on your credit report can drag your credit score down without you knowing it. 

Fortunately, Lexington Law offers expert help in cleaning up your credit report so your score can accurately reflect your history, paving the way for new opportunities for you and your finances. 

Your credit score is an important part of your financial life and reputation. If you’re taking out your first loan, financing a house or looking to access the best credit card rewards, paying attention to your score can net you some major benefits. 

Lexington Law provides trustworthy, comprehensive credit repair, dispute and monitoring for customers of any score and history. Whether you’ve just gone through a bankruptcy, are looking to buy a house or simply want to clean up your report, here’s why Lexington Law can get you the legal credit help you need. 

Why should you review your credit?

Consumer protection laws allow you to dispute entries on your credit report that contain false information. Errors such as inaccurate credit limits, mixed files and duplicate entries that threaten your credit score can be reported to the credit bureaus and cleared off your report. 

Doing this on your own can be a time-consuming process, especially if you have a long credit history or multiple credit accounts to comb through. 

However, it’s still an essential process to maintain your credit health, especially if you’ve just gone through bankruptcy or are recovering from identity theft. 

What is Lexington Law?

Lexington Law is an established credit repair service that helps your credit score by combing through your credit report and disputing misleading, inaccurate or false entries that are dragging your score down. 

For 20 years, Lexington Law has helped millions of people correct their credit reports and boost their scores through the dispute process. 

With a team of experienced attorneys, paralegals and other legal professionals, Lexington Law fights on your behalf to track down false entries and dispute them, giving you a cleaner credit report that more accurately illustrates your credit history. 

Lexington Law has helped remove over 83 million false entries from users’ reports since its founding, with two million removed in 2023 alone. Of clients who had their score improve, 89 percent saw an average increase of 40 points.  

With a combination of legal experience, established lines of communication with all three credit bureaus and tools for empowering clients to take charge of their credit, Lexington Law can help you repair your credit. 

What is it like to use Lexington Law?

Lexington Law works with you from the start to get an accurate read of your credit history, find errors and fix your report. Throughout the process, you’ll be educated on how your credit score and report impact you, where else you can boost your score and how to further build and monitor your credit. 

Lexington Law’s process includes three key steps. 

1. Credit and case evaluation 

First, you’ll be asked to create an account that will serve as the touchpoint for your credit situation. Through this account, you’ll receive updates, view your credit score and can access free credit education that can help you boost your score in the future. 

After your account is created, Lexington Law’s team will pull your credit history (with your permission) and evaluate your credit situation in order to determine how to approach the repair process. 

You’ll be asked questions about your credit history, including if you’ve ever undergone bankruptcy, if you’re dealing with identity theft and what your credit goals are. You’ll also be asked to provide information about your payment history, previous balances, addresses and other points that may be inaccurate on your report.

This way, Lexington Law’s team can offer personalized service and gauge how they can best help you. 

2. The dispute process

Once your legal team has the information they need, they’ll begin challenging false items on your report.

Creditors and the bureaus carry the burden of proof for entries on your credit report, which means that if they can’t prove the information they reported was accurate, the disputed entry will be removed or corrected. 

Individual disputes can take between 30 to 45 days. Lexington Law’s team pursues these disputes continuously, speeding up the process faster than if you were to go after the errors one by one. 

Lexington Law’s team also knows how to correctly address these errors and works directly with all three credit bureaus, allowing them to rapidly rectify mistakes across all your credit reports. 

3. Credit monitoring and education 

Once your report has been fixed, Lexington Law’s work is not complete. The team will work directly with you to monitor your credit and address any negative new items that can damage your score, such as new inquiries, missed payments and more. 

This way, you can learn how to build your score up, create better credit habits and catch issues like identity theft before they grow out of control. 

Lexington Law’s team can also help you address and tackle personal debt, set up protections for identity theft, analyze what’s holding your score back and more during and after the credit repair process. 

No fees upfront

Unlike other credit repair services, Lexington Law evaluates your situation before asking you to pay. You’ll get an overview of your case and feedback on whether working with Lexington Law’s credit repair service is right for you and your situation before you’re charged any fees.

This way, you’ll know you’re on your way to a cleaner credit report when you decide to work with Lexington Law. 

Is Lexington Law right for me?

While credit repair can be a valuable option for those looking to improve their credit, it’s not always the right one. When considering working with Lexington Law, here are a few factors to pay attention to:

• Your credit score. Lexington Law’s services often have the most success for those with a score below 600. 
• Your credit goals. If you’re paying high interest rates and insurance premiums, are getting denied for loans or are otherwise struggling from the impacts of a low score, then you may want to consider credit repair to clean up your report and see what you can improve on in your credit history. 
• The length of your history. If you’ve just started out with your credit report, unless you’ve already faced bankruptcy or had debt go into collections, credit repair may not be the best option for you. 
• Past debts and bankruptcies. If you’ve had multiple debts or have undergone bankruptcy, credit repair can help you ensure your payment history is accurate and that discharged or old debts aren’t sticking around on your report. 
• Previous credit disputes. If you’ve tried the credit dispute process and found it overwhelming or ineffective, you may want to try working with an experienced team like Lexington Law. 
• Identity theft. If you are dealing with or have dealt with identity theft in the past, Lexington Law can help clear inquiries and credit items you didn’t approve of from your report. 
• A need for quicker and more personal credit repair. If you’ve been bogged down with the dispute process, don’t have the time or knowledge to pursue disputes or are looking for a thorough, professional and personalized path to credit repair, then working with Lexington Law might be for you. 

Based on these criteria, as well as other personal circumstances, you can decide whether credit repair is right for you.

If you’re ready to clean up your credit report, consider working with Lexington Law for a more personal, efficient and hands-on approach to credit repair. With an experienced team and millions of false entries removed from client credit reports, working with Lexington Law can get you a cleaner credit report and help you take control of your credit improvement journey. 

A better score, a better history and a better future

The important thing to remember is that no matter where you are in life, there are definite benefits from a clean credit history and an improved credit score. From better interest rates to better card options and more savings, having an excellent credit score can open the door to getting a financial leg up now and in the future.

If you think you’re being held back by false entries, are looking to recover from identity theft or are ready for a fresh start after bankruptcy, consider working with Lexington Law to get your report on track and reflect a more accurate credit score. 

With a proven process, personalized credit repair and education and credit services that can help you build and monitor your score, Lexington Law can help you. 

Consider signing up for a free credit evaluation today and see if it’s right for you.