Lexington Law — The Leading Advocates & Most Trusted Credit Repair Service Since 1991

Lexington Law — The Leading Advocates & Most Trusted Credit Repair Service Since 1991
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Ashley Dull
By: Ashley Dull
Posted: January 21, 2016
Experts share their tips and advice daily on BadCredit.org, helping subprime consumers navigate the world of personal finance.

In a Nutshell: Lexington Law Firm has been advocating credit repair for individuals for many years, and has represented hundreds of thousands of clients. As trusted leaders in the credit repair industry, Lexington has established relationships with the credit bureaus through years of working together that allow them to achieve higher success rates. Through approaches that are personalized to each individual’s credit history, Lexington has helped its past clients see the removal of an average of 10.2 negative items from clients’ reports.

Many important financial commitments in life require good credit, including owning a home, being approved for a loan, and buying a car. So what are you to do when your credit history prohibits you from attaining life’s necessities because of mistakes and errors on your report?

The obvious solution is to improve your credit, but that could take years if done on your own, and some of us can’t wait that long. And credit is a fickle beast. There are several ever-changing laws and regulations surrounding the credit industry, and for the average person, understanding all of them is insuperable.

John C. Heath photo

Lexington Directing Attorney John C. Heath

Lexington Law, based in North Salt Lake, Utah, has been advocating for individuals who have mistakes on their credit report for a number of years. Lexington’s team of lawyers and paralegals understand these laws and regulations and they have represented hundreds of thousands of clients who have worked to correct their credit reports and improve their scores.

“Lexington enacts change for our people,” said John C. Heath, the firm’s Directing Attorney. “We leverage our experience and give people a chance at better credit and a better life.”

Higher Success Rates Through Personalized Approaches

When there are inaccuracies present on your credit report that need to be resolved, choosing who to represent you in your fight for a fair and accurate credit report can feel like a gamble. There are countless credit repair companies, and all claim to produce the same results.

“We differentiate ourselves a lot in terms of our actual efficacy because it is a personalized approach rather than just somebody signing up and having work done, and that work not necessarily matching the person or their situation,” said John.

“We personalize our clients’ cases as much as possible. We have focus tracks for people who are divorced or in the military that have certain student loan debt problems or have gone through a bankruptcy. We have escalation processes that remove items off certain reports and challenge those items differently based on our history of understanding those items,” he further explained.

Past Clients Have Seen an Average of 24% of Negative Items Removed

When someone decides they want Lexington to work on their behalf, there’s an onboarding educational process that takes place. This process covers the services provided as well as the costs involved, which are not exorbitant attorney’s fees – Lexington strives to provide their clients with an affordable platform so more people can access credit repair.

Photo of Lexington Law paralegals.

Lexington’s paralegals walk you through the process to ensure expectations are always fair.

Clients will be assisted by welcome agents who will pull credit reports from each bureau and walk through the negative items in order to explain how Lexington will begin challenges and interventions, ensuring the expectations are fair. Lexington’s paralegal team is the driving force behind client satisfaction and loyalty, and they can be reached via chat, email or phone six days a week.

“I always have a fantastic experience when I call.  Paralegals are extremely professional, courteous, and knowledgeable.  They are always willing to help me and educate me on topics I don’t understand.  Lexington Law Firm has helped boost my credit score in the past year, which is a huge value to me. Thank you so much!” – Michael L., Beulah, N.D.

Lexington’s past clients have seen an average removal of 10.2 items, or 24 percent of their presenting negatives, from their credit reports within four months.

Lexington’s Clients Saw 7 Million Credit Report Removals in 2014

In 2014 alone, Lexington’s clients saw seven million credit report removals from all sources. Removed items include:

  • Collections
  • Late Payments
  • Charge Offs
  • Bankruptcies
  • Repossessions
  • Foreclosures
  • Liens
  • Judgements
  • And More

“We have years of experience in identifying strategies that have been successful for many clients. Our practices have become very refined,” John assured us.

“There are a lot of cases where we’re able to assist in the elimination of questionable items from client credit reports because of the way that we’re able to intervene through the letters and the communications that we send on our client’s behalf,” he added.

Item Removal Process: Specialized Categories Determine How to Proceed

The Lexington removal process categorizes items into three areas:

Not Mine: Unrecognized items that clients can state for a fact were never theirs.

Never Late: Items clients know were never late.

Item Verify: Items clients are unsure of. This could mean an item from a few years back that they can’t recall or one they don’t feel they were in the wrong for. Item Verify also includes items clients know they were responsible for and wish to verify the information with the creditor or the bureaus.

Outside of these three categories are specialty items such as bankruptcies and foreclosures, which are identified differently and require special action.

Lexington Complies With Each State’s Credit Repair Regulations

In addition to all the rules and regulations surrounding the credit industry, several states also have their own regulations regarding credit and credit repair, further complicating matters. Lexington Law works directly with regulators in the states that have individual licensing requirements to ensure that they are appropriately licensed and undergoes regular audits to ensure full compliance.

Most credit repair cases are handled under the direction and supervision of Lexington’s in-house attorneys, located in Salt Lake City and Phoenix. This is possible because many of their attorneys hold bar licenses in multiple states, permitting them to practice in those jurisdictions.

For states where a Lexington lawyer does not hold a license to practice law, they work with independent, of Counsel attorneys who have been trained to assist with this work.

Two Levels of Credit Repair Service Available

Lexington offers two service levels – Concord Premier and Concord Standard – for its clients to choose from based on their individual needs. Both levels of service include:

  • Credit Bureau Attention
  • Creditor: Goodwill Interventions
  • Creditor: Escalated Requests
  • Creditor: Debt Validation
  • Free Support
  • Cancel Anytime
  • No Hidden Fees
  • Same-Day Consultation

All consultations are free and Lexington never bills in advance, only for work completed — your case will begin within five days of that initial consultation unless you cancel beforehand with no obligation.

“You deserve advocacy. You deserve to have that chance in your life to be better,” said John. “We stop taking chances because we’re told that it’s not going to happen or it’s not going to get better. The only way to change outcomes in your life is to make a commitment to something, and we believe that the best commitment people can make who are trying to change the outcomes because of their credit is to engage Lexington’s services.”

There are numerous laws protecting your rights for fair and accurate credit reporting, and these consumer protection statutes serve as the foundation of Lexington’s services.

Concord Standard — $79/Month

All consultations are no obligation. You can review your credit report summary and score for free with Lexington and discuss your options going forth, as well as help you decide the right service level for you.

Screenshot of Lexington Law's Concord Standard plan.

Lexington’s Concord Standard plan offers the essentials for credit report repair.

“We believe in our services and the effect these services have had on our clients’ respective lives. Our services could help you change your financial life. to me that’s worth pursuing,” said John.

Concord Premier — $99/Month

Lexington’s second level of service, Concord Premier, offers additional protections such as: TransUnion credit monitoring, ReportWatch (email alerts of any changes to your reports or score), InquiryAssist (customized letters to address inquiries on your credit reports), monthly credit score improvement analysis and identity theft insurance.

Screenshot of Lexington Law's Concord Premier Credit Repair Plan.

Concord Premier is Lexington’s most comprehensive plan.

John added that “at the end of the day, the majority of the people who work with Lexington leave in better shape than they came.”

You Deserve to Invest in Your Future

Lexington’s website states that “Credit is a necessity. Whether it’s a mortgage, a car loan, or a credit card, good credit creates opportunities. Bad credit doesn’t.”

John believes that life circumstances many times lead us to believe that “this is as good as it’s going to get,” and that credit conditions can lead people to think the same way; People can believe that they’re not going to access the benefits that other people have because their credit score confines them. Every time they try to get out of a bad credit situation on their own, they can be declined or denied. “Over time I think it can lead to a place of hopelessness,” said John.

The professionals at Lexington Law want to assist you in asserting your right to a fair and accurate credit report and help you end the hopelessness and restrictiveness of bad credit.

“You deserve advocacy. You deserve to have that chance in your life to be better,” said John. “We stop taking chances because we’re told that it’s not going to happen or it’s not going to get better. The only way to change outcomes in your life is to make a commitment to something, and we believe that the best commitment people can make who are trying to change the outcomes because of their credit is to engage Lexington’s services.”

Visit Lexington Law or call 1-855-255-0252 for your free consultation.