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Lexington Law vs Credit Repair

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LEXINGTON LAW

Lexington Law is a nationwide company that has been in the business of helping consumers remove credit inaccuracies for over 22 years. They are responsible for correcting over 2.5 million questionable items each year and employ a team of lawyers and paralegals that are experts at credit repair laws.

Credit repair with Lexington law is a very simple process. First, Lexington Law needs a copy of your credit reports from the 3 credit bureaus (TransUnion, Experian, and Equifax). If you don't already have them, Lexington Law can assist you in obtaining them after signup. Once Lexington has received your reports, you use the simple online Dispute Valet service to choose which items to dispute and how to dispute them. Throughout this entire process Lexington is available 24 hours a day, 7 days a week via toll-free phone service, email, and online chat support (customer service support is also provided in Spanish.)

After you've finished with the Dispute Valet, Lexington Law goes to work for you by challenging the credit bureaus and your creditors to provide verifiable, accurate information regarding the negative items you have chosen to dispute. Once each negative item has been challenged, the credit bureau has 30 days to investigate the dispute and provide you with their results as well as an updated credit report. Once you receive your updated report, you'll send that report over to Lexington so that they can continue the dispute process with the most current information.

Lexington Law has three levels of service. All levels include unlimited disputes, Lexington's risk-free refund policy, free support, no contracts, no additional fees and an anytime cancellation option.

  • If you're looking for basic credit repair, the Lexington Regular ($39.95 per month) is a standard credit repair service that offers unlimited credit disputes.
  • While still performing the basic credit repair service, the Concord Standard ($59.95 per month) is designed to enhance your relationship with your creditors as an extra effort to ensure that your credit report remains as accurate as it can be.
  • The Concord Premier ($79.95 per month) goes one step further by providing a monthly credit score analysis and a ReportWatch service to alert you to both positive and negative impacts to your credit score.

Lexington's service begins with an easy sign-up on the web via their VeriSign secured site. Their site is very professional and provides detailed information about their services as well as an overview of the credit repair process. Also on the website are helpful evaluation materials such as the "Credit Cost Calculator", where you can compute how much your bad credit is costing you, and a service analysis chart in case you have trouble deciding which Lexington plan is right for you. In case you'd like to know who will be taking responsibility for your personal credit repair, you can view the firm's attorney profiles and even view a video interview.

If questions arise, Lexington Law paralegals are available 7 days a week for assistance. Using their toll-free customer service line at 1-866-943-1521, we found their customer service representatives to be both knowledgeable and helpful. Clients can also access their case online 24 hours a day / 7 days a week to view account progress, get credit advice, upload communications, and more.

Lexington Law views credit repair as a personal process, with specific, individualized intervention for each client. If Lexington Law fails to provide the agreed upon services, as identified by the service level you select, you will not be billed for that month, or the charge will be refunded if already processed.

Serving clients in debt repair since 1991, Lexington Law is a member of the Better Business Bureau Online (BBB Online) and has an A- rating. Quarterly published statistics regarding their successes can be found on their web page.

If you are seeking to re-establish good credit by correcting your credit report, Lexington Law is a professional source for quality credit repair. They earn high marks for the professionalism of their website, their long and impressive history, their detailed explanation of services, around-the-clock availability and more.

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CREDIT REPAIR

Credit Repair is a Florida based company that has been in the business of helping consumers improve their credit since 1997. Credit Repair has partnered with TransUnion and Equifax, the two largest credit reporting agencies, to provide the most efficient and informed assistance.

The Credit Repair process involves three steps in getting results. Upon signing up, Credit Repair instantly pulls a credit report to identify potential problems and identifies the customers goals. The second step includes challenging the banks and finance companies with reporting inaccuracies. Credit Repair also follows up with the credit reporting agencies to confirm that corrections were made. The last step is to make sure your credit score improves.

Credit Repair stands out from the crowd with their interactive and helpful tools. Customers appreciate the online and mobile access to monitor progress, the customized game plan, monthly credit reports and quarterly updated credit scores, credit alerts, identify theft insurance, friendly, expert customer service team, and straightforward pricing. Credit Repair's services do not come with contracts or hidden fees.

Credit Repair delivers results. Historical reporting shows that customers with Credit Repair typically see 7% of their questionable credit reporting problems resolved each month. Credit Repair charges customers an upfront fee for the initial credit report and then a fixed monthly fee for continued services.

Credit Repair not only provides credit repair services but on going proactive measure to help keep you out of financial trouble that might impact your ability to get a mortgage, buy a car and more. Additional tools at this website include an extensive library of financial related articles and education including credit improvement, loans, debt solutions, identity theft, savings and more.

Credit Repair offers callers a free credit consultation, which includes a free credit report and credit score. While Credit Repair is a little pricey, we think they're well worth it. This company is a full service credit repair and financial improvement center. We liked the multiple services related to improving and maintaining a healthy credit report. If you are in the market for a credit repair service Credit Repair is worth a long look.

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Credit Repair Services

To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of Lexington Law and Credit Repair.

Your credit score and credit history are extremely important pieces of information. They are used to determine how much home you can afford; what your payments will be on your car; whether you qualify for credit cards; and even how much you'll pay for auto insurance.

Many times, however, people find their credit history contains negative information. This can range from late payments or too many credit inquiries, to collection agencies or inaccuracies. This negative information can restrict your purchase options and drive up your costs.

A good credit repair service will take on these negative items in your credit history and work to remove them or reduce their severity. They can work directly with the credit bureaus, your creditors, and collection agencies, and use a variety of tactics to get them to stop reporting negative information.

Unfortunately, there seems to be just as many fraudulent credit repair firms running scams as there are legitimate credit repair services. There are a number of features to consider when comparing credit repair services. Some of these include:

  • Effectiveness.  Do they have a successful track record of improving credit scores?
  • Cost.  How do their fees compare with other credit repair services?
  • Guarantee.  Do they back up their service with a refund policy?

TopConsumerReviews.com has reviewed and ranked the best credit repair programs available today. We hope this information helps you reestablish your good credit right away!



Choosing a Credit Repair Company

If your credit score needs some professional help here's how to search for a quality credit repair company.

Start at the Computer
Searching online for a credit repair company provides many benefits in finding and choosing the right service provider for you and here's why:

  • If you do your credit repair research online you avoid the annoying sales pitch from a pushy salesman that is most concerned about their next commission check.
  • Perform your research when it's most convenient for you, in the quiet of your home and without children playing or co-workers nearby.
  • The internet allows you to quickly identify the services of several credit repair companies at once. If you are looking for credit dispute offerings plus advice on how to improve your credit score long term you can easily identify what companies offer this level of service.
  • Knowing what several companies charge for their repair services provides you the knowledge to make an educated decision. Feel confident that you are improving your financial outlook and doing so while saving money over other providers.
  • The internet will allow you to read and educate yourself on the Fair Credit Reporting Act that governs credit agencies, promotes accuracy in reporting and regulates how negative information is reported and disputed.

Look for These Characteristics
When searching for the best credit repair company look for the following characteristics in a quality company before making your selection:

  • Make sure you identify a credit repair company with a solid reputation before considering it a worthy contender. Look for red flags like promises to wipe your credit clean with little effort, a request for a large payment upfront to cover costs, or discussions of creating a new identifier to fool the credit agencies.
  • Make sure you understand what you're signing up for. Will you be obligated to use the service for a specified period of time? Do they identify rules on how many disputes they will file in a specific period? Make sure you read the fine print and understand their policies before moving forward.
  • When you're working closely with your credit repair service you'll appreciate the convenience of companies that offer an online account for you to monitor the status of their efforts. Companies that require a lot of hand holding, phone calls, and emails are not going to be efficient.
  • You'll want credit repair company that puts the customer first. Companies that fail to return calls timely or are unprofessional on the phone are going to wear thin over time. Make sure you identify if your credit repair company of choice prioritizes the customer.

 



Credit Repair In The News

The Myth Of Credit Repair

The ads from credit repair companies pop up everywhere-on telephone polls, in newspapers, on TV and radio, in your email and on the internet. You'll see similar claims over and over. But can credit repair companies be trusted Consumer credit ...

Published:  Sun, 10 Jun 2018 17:00:00 GMT



Avoiding credit repair scams

LAKE CHARLES, LA (KPLC) - Each year, hundreds of thousands of Americans find themselves in financial ruin and many often turn to third parties, like credit repair organizations, for help. But according to the Lake Charles Better Business Bureau, many ...

Published:  Fri, 01 Jun 2018 20:26:00 GMT



Can Credit Repair Companies Really Improve My Credit Report

The answer is maybe -- but they can't do anything that you couldn't do yourself, for free. Anything on your report that's bringing down your credit score is going to stay on, if it's accurate information. So if a credit repair company promises to remove ...

Published:  Wed, 02 May 2018 14:00:00 GMT



How to Repair Your Credit When You're Still in College

If you're in college, you're probably already worrying about getting good grades, covering your living expenses, and repaying student loans when you graduate. So, worrying about your credit score might not be your biggest concern. But it should be.

Published:  Tue, 06 Mar 2018 03:43:00 GMT



Montgomery credit repair company shut down, accused of deception

A Montgomery credit repair company has been permanently closed for deceptive and illegal practices, according to Alabama Attorney General's Office. Attorney General's Steve Marshall's office reached a settlement with Scott's Credit Repair and its ...

Published:  Mon, 30 Oct 2017 21:29:00 GMT




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