Credit Report Repair

In today's financially complex world you need to have the best credit score you can possibly get to take full advantage of all the good things you deserve in life. This can become a problem when credit bureaus receive inaccurate information about you or information that inaccurately reflects the actual state of your credit. Fortunately there are ways you can contest items on your FICO score that reflect negatively on you. In fact, according to the Fair Credit Reporting Act (15 USC 1681 et seq.), the credit agencies have the legal obligation to investigate any information that the consumer disputes as inaccurate or incomplete. The bad news is that the credit bureaus also have the legal right to dismiss any dispute that they deem "frivolous or irrelevant". They also don't have to take into account life changing circumstances, like poor health or divorce, that may negatively effect your credit score. Since investigations take time and money and the credit reporting agencies are more interested in their own profits, consumer disputes are often dismissed out of hand using the excuses mentioned above.

We have developed a system for contesting specific items on your credit report. Once you sign up and pay a low retainer fee, you just have to go through four simple steps. First you need to forward a copy of your history to us from each of the major credit reporting agencies: Equifax, Experian, and TransUnion. As your credit reports are received, dedicated staff members will enter all of the items listed on them into a database. Once all of the items from the credit reports are in the database, it's time to perform step number two: select which items you want to dispute. The online Dispute Valet service allows you to choose which items you want to dispute over the Internet from the comfort of your own home and with just the click of the mouse.

The fourth step is giving the credit reporting bureaus time to correct the errors on your record. By law, credit reporting agencies have thirty days to process any dispute that's brought before them. If during that time the contested item is found to be inaccurate, or even if it can no longer be verified either way, it should be dropped from your Beacon score . You should receive a new credit report about sixty days after the first dispute is brought before the credit reporting agency. Once you receive that report, just forward it to Lexington Law to start the process all over again- hopefully with fewer negative marks on your report with each successive pass through the system. All this, with a our risk free refund policy.