TopConsumerReviews.com is a world-leading consumer product review site. We provide detailed reviews and ratings for thousands of products and services.

 

Lexington Law vs Veracity Credit

We recommend

 

Disclosure: We are not compensated by companies for their reviews, but we may be compensated for links and advertisements on our website. Click here for details.

 

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.

Visit Site >

VERACITY CREDIT

Veracity begins by pinpointing the end goal: credit power. Better credit for that home loan, a better credit card interest rate, or optimal buying leverage for a home or vehicle. But Veracity also give you the truth about credit repair, that it isn't an over night process or an easy solution for real debt. Their goal is quick results on your credit report to ensure its accuracy and reliability. Even more than that, Veracity strives to target specific items on your credit report affecting your credit score or ability to achieve your credit goals and makes those corrections and deletions a priority over more non-essential items.

You can select from two levels of service; either "Select" or "Platinum". The Platinum level provides additional services of Select, including priority processing and a personalized credit optimization plan. Once you've enrolled, you are contacted by a personal consultant to procure your credit reports and custom-design your credit repair process. Inquiries about your credit progress can be made via online chat or by toll-free phone service. You'll begin seeing results from the credit bureaus in 30-45 days, and all you have to do to continue getting "better credit for an easier life" is forward your updated credit reports to Veracity.

They have a great FAQ page on credit repair questions, and a page of scenarios describing client situations they have assisted with. They also make no bones about declaring that they have no set refund policy, have rarely offered a full refund to a client, and expect that the personalized services they offer are worth the enrollment cost and monthly fee. They do offer a $25 discount on the 2nd account for couples signing up for credit repair together.

Veracity's website is straight forward and easy to navigate. What they don't have in fancy account services or instant online credit report access, they make up for in honesty and simplicity. As a competitive credit repair service, Veracity has something to offer. Veracity has been in business since 1998, an is a member of the BBB.

Visit Site >


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 Veracity Credit.

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

Why and When You Need a Credit Repair Attorney

DoughRoller receives compensation from some companies issuing financial products, like credit cards and bank accounts, that appear on this site. Unless a post is clearly marked "Sponsored", however, products mentioned in editorial articles and reviews are ...

Published:  Wed, 20 Jun 2018 04:23:00 GMT



Los Angeles Credit Repair Agency That Works With Real Estate Companies Launched

Los Angeles credit repair company Credit Repair Sweep updated its services to provide complete legal assistance for clients interested in improving their credit score within 30-90 days. Los Angeles, United States -... Los Angeles credit repair company ...

Published:  Fri, 15 Jun 2018 21:46:00 GMT



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



Key Credit Repair Celebrates 30,000 Satisfied Clients

Boston-based Key Credit has the knowledge to clear negative items from the credit history of clients. More than thirty thousand clients have seen positive results. Boston MA - May 28, 2018 - Key Credit Repair is pleased to announce that they have the ...

Published:  Sun, 27 May 2018 21:35:00 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



Four Credit Repair Agencies Accused Of Misleading Customers, Charging Illegal Fees

Four different "credit repair" operations have been ordered to pay a total of more than $2 million in penalties for allegedly tricking people into thinking their bad credit could be easily fixed. The Consumer Financial Protection Bureau announced today ...

Published:  Tue, 27 Jun 2017 11:12:00 GMT



$2-million settlement ends accusations that L.A. credit-repair firms misled consumers

Credit-repair services promise to help consumers fix their credit scores, but there's only so much they can do. They can help clear up inaccurate or outdated information on a consumer's credit report, but they can't erase legitimate dings. But the Consumer ...

Published:  Wed, 28 Jun 2017 04:30:00 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




We recommend

 

- View Full Site -