As probably most of you know, credit repair is legal and those of you with bad credit have the right to dispute the doubtful information that exists in their credit reports. If you find out that you owe a debt, the smartest thing to do is to make a settlement offer and ask for the removal of the item from your credit reports. Get everything in writing and make sure you will be erased from the list of those with bad credit. In case you can’t do that and you end up having poor credit, you should resort to Lexington Law.

Lexington Law has been around for about 15 years, being one of the most popular credit repair means. This law works with clients in order to improve their credit report in a legal and affordable manner. This means is so efficient because it is an easy and efficient process for the clients, which are always satisfied with the result. Lexington Law helps leveraging consumer rights so that you can improve significantly your credit rating. The employees of Lexington Law firm will remove questionable negative items from your credit reports.

The success of this procedure consists in the fact that the Lexington employees prepare a vast arsenal of credit report repair strategies and they challenge the negative items with the credit bureaus. Usually, these credit bureaus investigate your dispute in about 30 days and afterwords they send you their results and a copy of your updated report. After having received the answer from the credit bureau, you will make a copy and send the original at Lexington Law. The greatest thing about this company is the fact that its services are backed by a refund policy that entitles you to receive some money back in case the disputed items were not removed.

Usually, this entire process ranges between 6 months to 12 months, depending upon the damage to your credit. This service offered by Lexington is reasonable as far as money is concerned, the initial account set up fee costing 99 dollars.  Afterwords you will have to pay a monthly fee which isn’t higher than 90 dollars. Another advantage of Lexington is the fact that its employees are well trained both in the interpretation and the application of current credit laws and your confidentiality is protected.

Lexington Law is here to help you get a fair representation in the credit system, by putting at your disposal credit report monitoring, creditor interventions and credit training methods meant to help you increase your credit score. As you can see, people with poor credit have a good chance of repairing their credit problems from a legal point of view, with the help of Lexington Law.

Ready to Start Living Life with Good Credit?

Call 1-800-496-3604 for a Free Credit Consultation!

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Today, Lexington Law continues to be a driving force in the credit repair industry. What follows are 5 traits unique to Lexington Law that set Lexington Law apart from all other credit repair organizations.

Lexington Law Has 17 Years of Credit Correction History

Many credit repair companies have come and gone since Lexington Law opened their doors. The fact that Lexington Law has been around for so long and continues to provide credit repair services for thousands of Americans is a testament to the quality of service they provide. It is also a reason why Lexington Law is so good at what they do. After 17 years of helping consumers with their credit, Lexington has learned what works and what doesn’t when it comes to repairing credit reports.

Lexington Law Has Served Over 1/2 Million Credit Repair Clients

Along with providing credit repair services for almost 2 decades, Lexington Law has also provided service to more customers than any current credit repair services. While other credit repair companies may also have many years of experience, they do not come close to disputing the number of credit files as Lexington Law. This provides Lexington Law with far more data than any other credit repair company that can be used to continually refine their services.

Lexington Law’s Services Have Resulted in Millions of Removals

As a natural consequence of being in business for so long and having helped a huge number of clients, Lexington Law has gained the knowledge and experience to help clients remove millions of items from their credit reports. In fact, Lexington Law has helped clients remove over 1 million items from their client’s credit reports in the last two years alone.

Lexington Law Has 20+ Lawyers across the Country

Aside from providing Lexington Law with a full stable of legal experts, this is very important when you consider that there are over 20 lawyers who have enough faith to risk putting their licenses and years of education on the line. The credit repair industry has had its fair share of scammers and con-artists that have been shut down by the FTC. The fact that this many lawyers are willing to lend their good name to Lexington Law should illicit a sense of confidence that Lexington Law will do everything possible to operate in full compliance with all industry regulations.

Lexington Law Has 400+ Paralegals/Agents

The sheer number of people that Lexington Law assists on a daily basis requires that Lexington Law have a large number of personnel on staff. To ensure that all clients receive personal attention, Lexington Law employs hundreds of individuals that are housed in a newly constructed 50,000 sq. ft. campus.

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AAACreditGuide.com – Past clients talking about how Lexington Law Firm helped them raise their credit scores and paralegals talking about how they help their clients. Call 1-800-261-1201 for a free consultation.

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Credit repair is possible, but only if you can avoid the scams that are out there. Here is a list of the most popular scams, and what you should know to avoid them.

SCAM: Our services will get you a new, clean credit file with all three reporting agencies.

REALITY: There is no legal way to set up a new credit file or to accomplish what is commonly referred to as file segregation. . A credit file is based on your social security number, birth date, and name. There is no way to ‘set one up’. Your credit file actually comes into existence when you apply for and obtain credit. It is an automated process that is done by a computer, not by a person. Some companies offer to obtain a Federal Tax ID number in order to use when you are applying for credit. The catch is that on the Federal Tax ID application, you must use your social security number, which is then cross-referenced on your credit file with the Federal Tax ID number. At one time, more than ten years ago, this method worked due to a loophole in the existing systems. With the new technology, it no longer works. It is also a Federal offense to even attempt this method, as it is an attempt to defraud the Federal government.

SCAM: We speak the secret language of the credit bureaus; we have a special relationship with the credit bureaus; we have a revolutionary, patented method of removing credit.

REALITY: Under the Fair Credit Reporting Act (FCRA), there are rules governing credit repair. There is no secret method, language, or relationship that will trump these rules. Making this claim is the equivalent of someone promising that they can remove tickets off of your Motor Vehicle Report. It is ludicrous and an outright lie. Many reports are surfacing regarding companies who offer outrageous promises to gain many customers quickly and then they take your money and close up shop. Since a high majority of these companies are overseas, you have no hope of ever getting a refund or enforcing the guarantee.

SCAM: Paying a deposit or upfront fee to begin services.

REALITY: The Credit Repair Organizations Act prohibits any company from taking money until after it does what it promised. Any company not following that Federal regulation is either overseas and not obligated to adhere to it, or a fraud. Even charging a small amount upfront is illegal and a bad sign.

SCAM: We will clean up your credit and get you a car, mortgage, or other type of loan.

REALITY: This is a recent scam that costs consumers the most. The consumer pays out for the credit repair services and then is told that they have been pre-approved for the loan promised. In the meantime, the fraudulent company mimics the lending institution, asking for more money and documentation to process the loan. You spend countless hours obtaining pay check history, bank statements, references [that take months to check out]. The consumer is duped into a false sense of security because they are sending documents to a ‘lending agency’. The consumer is made to feel lucky that a bank is even considering them for a loan. The process drags on for months. By the time you are fed up and ask for your money back, they have closed up shop and left town.

In the long run, the best choice for credit repair is a legitimate and referred credit repair company or an attorney. Unlike the thousands of scamming, unethical, and untrustworthy companies out there, I can recommend a credit repair company or attorneys who are professionals, who devote their entire careers to the field of consumer rights and consumer law.

By hiring an attorney, who specializes in credit repair, you can avoid being scammed by fly by night companies, who promise to make miracles happen and then shut down their web sites leaving you broke and confused. One such Law firm is Lexington law firm. Their team of professionals has been doing credit repair for years. As a credit repair specialist, Lexington law firm does not need to make empty promises. They have been helping people clean up their credit for years. They establish realistic expectations up front, and explain their plan of attack for your unique situation.

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