If you have researched credit repair services, you most certainly have come across Lexington Law. Since being found in 1991, they have become one of the most highly rated credit repair services out there. According to their website, in 2017 alone, they helped remove over 10 million negative items from customers’ credit reports.

So what exactly is credit repair and why would you want to leave it to the professionals? Credit repair is the process of removing incorrect information from your credit report. This also includes issues that have led to your credit score being negatively impacted. Now, why leave it to the professionals? One of the biggest reasons is because the credit repair process is long and daunting. It is something you can try to do on your own but unless you are trying to remove a simple error, it is best to leave it in the hands of professionals. In this article, we will cover why Lexington Law may be the right credit repair service for you and what you can expect if you decide to enlist their services.

What is Lexington Law’s Background?

With over 25 years experience, Lexington Law is regarded as one of the best credit repair services out there. They are based in Utah and have helped over 500k customers improve their credit score. One of their biggest selling points is that they are a fully licensed law firm. Furthermore, they specialize in credit law. Many of the credit repair services out there can’t say that.

What Can Lexington Law Do For You?

Creditors make mistakes all the time, so it is Lexington Law’s job to go through your credit report line by line. They will pull credit reports from the three major credit bureaus (Equifax, Experian and Transunion) work to resolve and dispute any issues found on your credit report. If a creditor cannot provide the necessary proof to show that the item on your report is fair and accurate, the negative item must be removed from your credit report. Here are just some of the items they will attempt to challenge and have removed:

Foreclosures

Bankruptcy

Collections

Late Payments

Charge Offs

Liens

Settlements

Judgements

Repossessions

Wage Garnishments

As you move through the credit repair process, you can expect to have access to experts that will be available to answer any questions you might have. You will also receive ongoing updates on how your case is progressing. Ultimately, Lexington Law’s mission is to help you get your credit back in good standing so you can meet all your personal goals. Click here to read a full review of Lexington Law.

Certain items cannot be removed from your credit report

As a reputable credit repair service, Lexington Law will not be able to remove certain items from your credit report. They cannot dispute the following negative items:

Credit claims that are verifiable and legitimate.

Real debt. If a collector is able to supply proof of the debt owed, it cannot be removed from you report.

In these instances, a payment plan will be set up with the debt collector. In order to bring your credit score back up, you will need to make timely payments.

Lexington Law Plans

Lexington Law offers three different plans. The service plan that you choose will be dependent on how extensive you need the credit repair to be.

Concord Standard: $89.95/Mo

Concord Premier: $109.95/Mo

Premier Plus: $129.95/Mo

Is Lexington Law Worth Your Money?

There is not a clear cut answer to this. Credit repair doesn’t have a one-size-fits-all approach. Although Lexington Law is one of the top rated credit repair companies, it is important to note that the credit repair process does not come with guarantees. Many of Lexington Law’s customers achieve positive results in about six months. They claim to remove an average of 10 negative items per customer over the course of 4 months. Of course all these claims are dependent upon how your credit is when you sign up.

At the end of the day, if you can improve your credit standing, you will benefit your finances in the long run. As time goes on, you will eventually look to secure a loan. With your credit in good standing, you will have a higher chance of securing a competitive interest rate. This will help to potentially save you thousands of dollars.