1000 Museum Downtown Luxury Residences

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What our clients are saying!

  "I'm sure you hear this all the time but I couldn't stop singing songs of praise to the staff at the Lexington Law Firm. I got an updated copy of my Experian Credit Report today and I was so happy I started jumping up and down in the driveway. They deleted six out of nine negative entries — and in less than two months — now that's what I call SERVICE. I can't wait to see the negative entries fall off my other reports as well! Thanks a million!"

A., Lexington client*

"Your service is great! My Experian credit report is all cleaned up! I can't believe it! The other two bureaus are almost clean too. The past six months have been great. Ford leasing company picked up the lease for a $40,000 car easily. I've also gotten new credit cards with high lines of credit and low interest and zero interest on balance transfers. So far I've spent under $500 on your service. It has been worth every penny. You guys are just great. I'd recommend you to anyone that has a scary credit report! Thanks so much."

B.G., Lexington client*

Legal Credit Repair | How can bad credit be legally repaired?

It is your right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act(FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors. The most popular method for restoring bad credit is the credit bureau dispute. Because of the Fair Credit Reporting Act, you have the right to dispute and delete any items on your credit report that you feel are inaccurate, untimely, misleading, biased, incomplete or unverified. When you dispute a questionable negative credit item with the credit bureaus, you are demanding that they perform an investigation to determine whether or not the item should be listed on your credit reports. If the credit bureau cannot verify the accuracy of the item, then they are required to correct the listing or completely delete it from your credit report. Another facet of credit repair is to work with your creditors to remove the negative items from your credit reports. Your creditors have the ability to delete negative items from your credit reports at any time. With more cooperative creditors, sometimes all it takes is to ask the creditor to adjust or delete a negative credit listing. In situations where this non-confrontational approach is not sufficient, the various consumer protection acts provide you with tools for forcing creditors and collections agencies to prove the accuracy of the reported accounts. By using some or all of their legal rights to fair and accurate credit reporting, thousands of people have legally and successfully restored their credit and improved their credit score. Consumer protection laws are in place to keep you from becoming a victim of the credit reporting system. By taking advantage of your rights under these statutes, you can help ensure that you are not charged excessive interest rates or unfairly denied credit. Sometimes it becomes necessary to attack your credit reports with a variety of legal tactics. When a credit bureau investigation fails to remove a negative item, the FCBA and FDCPA provide additional avenues for improving your credit score.  

How Much Do Credit Repair Services Cost?

A complete breakdown of the features of each service level can be found by visiting our services overview page. Lexington Law offers three levels of service depending on your credit needs for $89.95, $109.95, or $129.95 each month after services are delivered. PremierPlus, the firm's most comprehensive service level, bolsters our essential credit repair services with FICO® Score tracking and analysis, tools to protect and manage your identity and finances, and additional legal interventions for abusive third-party debt collectors. When considering the cost of a credit repair service, you should compare it to the cost of living with poor or even average credit. Over the course of a 30 year home loan, a person with average credit may end up spending tens or even hundreds of thousands of dollars more in interest payments than someone with good credit. And the extra payments are even more dramatic if you have poor credit; providing you can even get approved for a mortgage loan in the first place. You may be able to save on your mortgage or auto loan by improving your credit score, try our Credit Cost Calculator to see how much bad credit is costing you.  

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The benefits of having a good credit score are not limited to helping you get into a home. Almost any lender who offers credit will take your credit score into account. This means that a better credit score may help you get approved for a car loan, credit card, home equity loan, debt consolidation loan or other personal loan at a lower interest rate. Even further, many entities are now using your credit score to make different sorts of decisions about you. In today's society, a better credit score may also help you lower your insurance premiums, get an apartment and possibly increase your chances of landing a new job

1. 877-929-9289