Let Lexington Law's
Credit Repair Expertise Work For You
Lexington Law is the leader in the
credit report cleaning industry and has the statistics to back
it up. For example, in the second quarter of 2006, we deleted
an average of 69 negative items from our clients' credit reports
every hour. That works out to more than one deletion every minute,
1,665 deletions every day, 49,968 deletions per month, and almost
150,000 deleted items over the course of the entire quarter! Over
the entire course of 2005, we deleted 667,366 negative items from
our clients' history over the course of the entire year!
These statistics demonstrate two things. The first thing that
these statistics demonstrate is the number of erroneous or unsubstantiated
negative items on people's credit reports. The second is the ability
of Lexington Law to assist you in the eradication of them.
At Lexington Law, we make it easy
to contest the negative items on your credit report. After signing
up for our service, you just have to go through four easy steps
in order to improve your FICO score. The first thing you need
to do is have your credit reports from each of the major credit
reporting agencies- TransUnion, Experian, and Equifax- sent to
us. As we receive them, we'll use the information from them to
create a database that will be accessible to you over the Internet
with the use of our exclusive Dispute Valet service. Once we've
compiled all of your information, it will be time for you to take
the next step of going on line and using the Dispute Valet service
to select which items on your credit report you want contested.
For the third step, we'll dispute those items with the credit
reporting bureaus, and the fourth step is simply giving the bureaus
the time that they need to complete their investigations. The
credit reporting bureaus have thirty days from the time that a
dispute is brought before them to complete their investigation,
so you should get a revised copy of your credit report about sixty
days after we first go to the bureaus. When this new report arrives,
simply forward it to us to start the process over again. Each
time we go through the process, you should have fewer and fewer
negative marks on your credit report.
This is an especially valuable service
because the more negative items you have on your credit report,
the more difficult and expensive it is to get what you need. That's
because lenders will see you as a risk and charge you higher interest
rates so they'll be compensated for taking the risk of loaning
money to you. For example, if you have a low credit score, you'll
end up with a higher interest rate on your mortgage when you go
to buy a house. Over the lifetime of the mortgage, you could end
up paying tens of thousands of dollars more for that house than
you would if you had a higher credit score and the resulting lower
interest rate.
Many people worry that our service
is expensive, and when they're having financial difficulties the
last thing they want to do is take on another expense. In reality
though, the rates charged by Lexington Law are very reasonable,
and when you look at all of the money you could save by with a
better Beacon score, like in the example above, you can't afford
not to take advantage of our service. All this, with a our risk free refund policy.
