The Law is on Your Side
Many consumers have the mistaken idea that credit bureaus are federally
supported organizations backed by a vast array of laws meant to protect
creditors. Nothing could be further from the truth.
(Read More)
Legal Credit Repair Methods
To better understand what legal credit repair is, it would be helpful to understand a few types of illegal credit repair:
 | Illegal: Changing your social security number to obtain a clean bill of credit.
If any company should suggest this type of credit repair, report them to the authorities.
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Illegal: Disputing every item on your credit report, regardless of nature.
The Fair Credit Reporting Act specifically states that only items that
are unverifiable, inaccurate or misleading should be disputed. Items
that are clearly yours, and reflect your credit history should not be
disputed. |
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Illegal: Charging for services that have not yet been completed.
This is to protect the consumer from fraudulent companies that charge
for services that never get completed (charging to "repair your
credit", then hitting the road...) |
So, what exactly is Legal Credit Repair?
Legal
Credit Repair consists of removing the negative items on a credit
report. There are a few different methods of going about this, the most
common and effective are:
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"Goodwill" Negotiation Negotiating directly with creditors and
asking them to "please" remove negative items from your credit reports
is a viable method of credit repair for mild late-pay accounts. There
are no laws that require that negative items stay on your reports for
any amount of time, and creditors have the ability to simply remove
these items if they see that it could somehow work to their benefit,
even if that simply means a pleased customer. |
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Credit Disputation The Fair Credit Reporting Act gives you the
right to contact credit bureaus directly and dispute items on your
credit reports. Just as in a court of law, you have the right to plead
"not guilty" to negative information on your credit reports, and leave
the burden of proof to the credit bureaus. You can dispute any and all
items on your credit reports that you feel classify as inaccurate,
unverifiable, or misleading. If the bureaus can not verify that the
information on your reports is indeed correct, then those items must be
deleted. Learn More.
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Lexington
Law is the trusted leader in credit repair. Having served over 200,000
clients since 1991, they have the experience necessary to make credit
repair work for you.

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| "My
experience with the Lexington Law Firm has been wonderful from
beginning to end and the results you achieved are remarkable. It is
also noteworthy, that the fee I paid for such superior professional
service must be one of the truly great bargains of all time. My warmest
best wishes to you all."
— R.S., Lexington client |
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"Thank
you for all the wonderful work your staff has done on my behalf. The
creditors that I wanted removed are no longer there... I couldn't have
done it without you, nor would I ever want to. You and your staff are
truly professionals and I bow to you."
— C.F., Lexington client |
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