Unfortunately, having poor or bad credit is more than a reality in this day and age with more people in debt than ever before. You may have already seen hundreds and hundreds of online ads and spam e-mail regarding your credit score, making it difficult to decide which source to turn to for credit help so that you can get back on your feet.

Who Is Lexington Law?

One of the benefits to Lexington Law is that they are not an online credit repair service but instead a consumer advocacy law firm. Lexington Law has experience in repairing damaged credit histories since 1991, making them more than an authority on the subject. This is entirely different than many of those credit help companies that simply pop up overnight to have you sign up for their services in “credit help” online. We all are more than aware how vigilant and careful you need to be about your finances online, especially if you are already having difficulty getting out of debt. That is why it is important to trust an experienced source in credit help through the resources made available in Lexington Law.

Of course, they do offer a free credit consultation, so that can work to get all of your questions answered before being obligated to sign up to any type of service. This is something helpful if you aren’t sure what options are available to you in your credit score problems.

How Does Credit Report Repair Work?

Having a bad credit score can be more than devastating if you are hoping to buy a home, buy a car, or even rent an apartment. The numbers don’t lie, and they can seriously inhibit your regular lifestyle if you have not taken care of your finances in the past. In short, Lexington Law makes a bold statement that they can help change the state of your credit, even if it may seem hopeless.

• Errors on Your Credit Score: By federal law, you have the right to correct any errors or misinformation on your credit report negatively affecting your credit score. Luckily, Lexington Law specializes in these very issues so that you can make long-lasting changes to dramatically improve your credit score.
• Dispute Your Credit: Lexington Law also provides the defense and resources to dispute any items on your credit report that may be negatively affecting your finances. This is one of the main components to credit repair so that misinformation can be disputed and removed if it is not verified.
• Remove False Information: This is another advantage to the services that Lexington Law provides because they work according to the Fair Credit Reporting Act to dispute and remove any negative information on your credit score that may be false.

Lexington Law does require a monetary investment on your part for their services, but that is also something that makes them even more credible. If you are signing up for “free” help from any other source online, it may simply be hype. With Lexington Law, you will pay a first-time fee of $99.95, where the prices of each credit repair package will vary on a case-by-case basis.

This credit repair will begin with you forwarding your credit reports to Lexington Law, the staff will then consult with you to challenge false or misleading information on the reports, and Lexington Law will work on your behalf to clear your negative credit history. It takes up to 30 days for the credit bureau to investigate any dispute, so it could take a total of 60 days to receive an update on your credit report. This lengthy process is more than worthwhile when you take into account how negative or false information on your credit report could affect your finances and interest rates over the years to come.

The bottom line is that Lexington Law is an experienced company that will charge you fairly for the services that they provide. If you are serious about clearing up your negative credit history, they are the company to consider.