by John Cooper,
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on the net: http://www.707creditscore.com
UNITED STATES, Dec 08 — Lexington Law is headquartered out of Salt Lake City, Utah. They are a credit repair firm.There are 400 employees 22 of which are credit lawyers.In sum, you do not have to live with a low credit score
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exington Law is headquartered out of Salt Lake City, Utah. They are a credit repair firm.
There are 400 employees 22 of which are credit lawyers. They have been operating for over 17 years and have served 1/2 million people. They dispute negative items on your credit.
Is it legal?
Yes, it is not only legal but it is your responsibility. The Fair Credit Reporting Act gives you the right to dispute any item you feel is not accurate on your report. In addition this law says that the bureaus must remove an item that is not verified by the creditor.
How does this work?
You forward a copy of your credit reports to Lexington. You also indicate what items you want them to dispute.
Lexington will then send a dispute letter of your behalf to each credit bureau. Then you will be notified from the bureaus if the item has been verified by the creditor of if they removed it from your report. You then send this update to Lexington.
How long does it take?
This will vary depending upon how many items you wish to dispute. However you should expect a minimum of 6 months and a maximum of 12 months.
What is the cost?
They offer three levels of service, and you will be responsible to pay an account set up fee of $99. The prices on the services are; $39, $59, and $79.
Can't I do this myself?
Yes, we actually encourage you to if you have minor damage on your report. For you to dispute an item you must create a dispute letter and mail it to each credit bureau.
Upon receipt of you letter the bureaus will conduct an investigation into the item. They will contact the creator of the negative item and ask them to verify the account, the balance on the account, and the dates. If the item is not verified then the bureaus will delete it from you report.
What else can I do to repair my credit?
Credit repair is not just removing negative items from your report. We suggest you open a revolving line of credit. This will help you build a positive payment history by making on time monthly payments. This factor is weighted almost as much as negative items on your report when your score is calculated.
In sum, you do not have to live with a low credit score. You can remove negative items and by building a positive payment history you can repair you score.
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