What We Do

Lexington is a law firm focusing on repairing credit reports. We have helped over 300,000 Americans repair their credit reports by removing inaccurate, misleading, or unverifiable information (in other words, "questionable" negative credit.) From bankruptcies to charge-offs to tax liens, we have challenged virtually every credit problem under the sun - and deleted over 600,000 items last year alone.

We're good at what we do because we believe in our work, because we enjoy what we do and we're committed to our clients. And that means we have obtained amazing results. Results that can literally turn a person's life around.

Our service is engineered from the ground up with credit report repair in mind. We offer two levels of service. First, Lexington's results-tested regular service utilizes the Fair Credit Reporting Act to remove inaccurate and unverifiable items from your credit reports. Second, our Concord upgrade incorporates additional legal interventions which may expedite your results. Whichever service level you choose, we will leverage our entire arsenal of credit experience and powerful strategies on your behalf.

How We Do It

Step 1: Forward your credit reports.
You begin each cycle by forwarding to us copies of your credit reports from all three of the major credit bureaus. Keep in mind that the credit bureaus will only correspond directly with you, not your law firm. Without receiving these updated reports we have no way of knowing which items were removed successfully. Updated reports should be mailed to our office, not faxed or emailed (see the sidebar for more information.)

Step 2: Choose which items to dispute.
Once your credit reports are received our staff enters the information into our database. Using our online Dispute Valet service you then choose which items to dispute, and how. Sound complicated? Not to worry. The service comes with an easy-to-use wizard that makes this step a simple matter of pointing and clicking with your mouse.

Step 3: Lexington works your case.
Lexington begins the dispute process by drawing upon its vast arsenal of credit report repair strategies and experience to challenge questionable negative items directly with the credit bureaus. Depending on the number of question able items on your credit reports this step will be repeated for each subsequent loop through the cycle. (Clients who have selected the upgraded Concord level of service receive additional legal interventions such as account history investigations pursuant to several consumer protection statutes.)

Step 4: Sit back and relax.
The credit bureaus have 30 days to investigate your dispute. After that, they must inform you of the results of their investigation, update your credit report and send you a copy of the updated report. It usually takes 60 days between the day we send a dispute and you receive an updated report. When you receive a response from a bureau, make a copy of the updated report for your records then send the original to Lexington to move your case forward. Thus the cycle begins anew, this time hopefully with fewer questionable items on your credit report.