Lexington Law Firm – A National Credit Repair Service
The Lexington Law Firm is a professional credit repair service serving clients in all 50 states. They will file your disputes with the credit bureaus on your behalf. They have been in business since 1991.
How Does It Work?
1. You Must Get Your Credit Reports – you can do this and get a free copy of your reports from each bureau at annual credit report. Once you have your reports you need to make notes on them and indicate what items you want the service to dispute for you.
2. Forward Your Reports – you need to forward your reports to the service. They will then construct a dispute letter and file with each bureau regarding your disputed items.
3. Bureaus Investigate – the bureaus will then investigate your disputes. They will contact the lender or collection agency and ask them to verify the debt. If they are unable to, then the item must be erased from your credit file.
4. Results – you will get notifications from the bureaus through the mail that will inform you of the results, if their investigation found the item to be verified or if it has been deleted from your report.
5. Forward Results – you need to forward these result letters to the service. This way they will be able to stay on the same page and won’t be filing disputes for items that have already been erased.
6. Sit Back – with a service you can be assured that your disputes will be investigated especially with credit lawyers working on your file.
As the negative items start to be removed from your report, you will be improving your payment history. If at the same time you make sure you are paying your current bills on time you will see a huge jump in your score.
Can I Do It Myself?
You can fix your report yourself. However the difficulty will begin with getting the bureaus to find your dispute valid. Unfortunately our credit system is a little mixed up in this country.
The bureaus are responsible for deciding if they will investigate you dispute of not. The bureaus do not earn any money from investigations or ensuring the information they have about you is correct.
They actually spend money when they do this and the only motive they have to investigate is to comply with Federal Law. However this hasn’t been the case as the bureaus have an atrocious record with being fined by the FTC for not complying with Federal Laws and investigating consumer disputes.
By all means if you prefer to do this yourself go right ahead and we wish you the best of luck. You can do it yourself but you will hit some brick walls, if you are able to push past the frustration, keep working, and educating yourself with the most recent changes in consumer laws you can remove negative items from your report. Just consider yourself warned, and if you get too frustrated don’t give up. Instead turn to a professional service.
For a free credit consultation call 1-800-768-3386 or visit us for a further review of the Lexington Law Firm Credit Repair Service or to learn more about how to clear a bad credit history.