Lexington Law Credit
Report Repair Illinois
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 in Illinois. 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 credit report 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.
That's where Lexington Law comes into play in
Illinois. Lexington Law is a full-service credit report repair law firm
that knows the legal ins and outs of the credit reporting process
and, therefore, can maximize the chances that your dispute receives
the attention it deserves from the credit reporting bureaus.
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 credit report 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
Beacon scores 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. All this, with a our risk free refund policy.
The third step consists of allowing us to dispute
the case. In this step, we will bring all of its credit report
repair strategies and years of experience to bear on contesting
the erroneous information on your credit report.
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 history. You should
receive a new FICO score 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.
We also makes its service risk free by offering
a money back guarantee in Illinois. If we doesn't eliminate negative
marks from your credit report, you don't have to pay for the service.
We has all of the knowledge and resources needed to ensure that
your credit report is as good as it can possibly be, so that you
can have the financial freedom that you deserve in Illinois.
