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Lexington credit repair involves having one of the top-notch consumer advocacy law firms, Lexington Law, help you deal with your credit problems. Lexington Law has been in existence since 1991 and has helped over a half a million clients improve their credit scores. They have over 21 attorneys in more than 15 states and employ over 400 paralegals/agents who work to ensure the highest standard of service. They are a Better Business Bureau (BBB) accredited company, which adds to their integrity.

The Fair Credit Reporting Act (FCRA) originally passed by Congress in 1996 gives you the right to directly contact credit bureaus and dispute items on your credit reports. By law, you can dispute any items that are inaccurate, biased, untimely, misleading, incomplete or unverifiable. If the credit bureaus cannot verify that the information on their reports is correct, then those items must be deleted from your credit report. The process of disputing items on your credit report is very time consuming and many consumers give up before they ever see results. Lexington credit repair can step in and help in these situations.

Lexington credit repair has been responsible for removing over 600,000 questionable negative items from credit reports of its participating clients in the past year alone. Removing negative, incomplete and unverifiable information from credit reports is the best way to improve the credit rating for any individual. With Lexington Law’s Concord-level service a customer normally reports 8.6 removals by month 3 and 28.6 removals by month 12 from their combined credit reports.

To begin Lexington credit repair, you will need to forward them your credit reports from the three major credit bureaus: Equifax, Experian, and TransUnion. Next, with Lexington Law’s help, you will then choose how to challenge your questionable listings. Their easy-to-use online wizard makes this a simple matter. Then Lexington Law goes to work on your behalf.

Lexington credit repair will begin the dispute process of inaccurate, untimely, misleading, biased, incomplete or unverifiable information on your credit report. They will use their vast arsenal of credit report repair strategies to challenge questionable items directly with the credit bureaus. This step will be repeated for each subsequent cycle, depending on the number of questionable items on your credit reports. Clients who opt for an upgraded level of service will receive additional legal intervention strategies.

Your job is to sit back and let Lexington credit repair wait for the credit bureaus to respond to your disputed items within a 30 day time frame. After 30 days, the credit bureaus must inform you of their findings and send you a copy of your updated report. It normally takes 60 days from the day Lexington Law sends a dispute to the day you receive an updated report. Once you receive a response from a credit bureau, you should make a copy of the updated report for your records then send the original to Lexington Law. They then begin the dispute cycle again, usually with fewer questionable items on your credit reports.

This cycle of dispute, wait, and then dispute again is where Lexington credit repair excels. Their service is unparalleled with a money back guarantee if they fail to provide the agreed-upon services to you for any given month. They have 3 very reasonably priced service plans, which are spelled out in detail on their webpage. Check out the top rated consumer advocacy law firm at their website www.lexingtonlaw.com.