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  Category: Articles » Finance » Credit » Article

Lexington Law Helps You Get The Most Out of Your Credit

By Julia Hall

When you take advantage of the convenience and flexibility of credit cards and other forms of credit, you may expose yourself to a lot of monetary pitfalls that are hidden in the fine print. Fortunately, at Lexington Law, we have the knowledge and tools needed to repair your credit report so that it provides potential creditors with the best possible picture of your financial condition.

Our service takes advantage of the Fair Credit Reporting Act (15 USC 1681 et seq.) which provides recourse for consumers who feel that their credit reports don't accurately reflect their ability to repay loans. Basically, the FCRA gives the consumer the right to contest specific items on their credit reports that they feel are erroneous, unverified, or simply misleading. This sounds great for consumers, but unfortunately the credit bureaus aren't as interested in fairness as we are and will exercise their right to dismiss disputes on the grounds of being "frivolous or irrelevant."

The ability to dismiss disputes without giving them fair consideration stops most consumers in their tracks when they try to repair their FICO score themselves, but with Lexington Law it's a completely different situation. That's because we have the detailed knowledge of the Fair Credit Reporting Act and other consumer credit laws necessary to make sure that your disputed items get the attention they deserve.

Repairing your history is actually easy with the help of our service. Once we have all of the information from your credit reportsentered in our database, you can select which items you want us to contest. Then we'll take those items before the major credit bureaus—Equifax, TransUnion and Experian—for reinvestigation. The credit bureaus then have about a month to investigate those items, and if they can't be verified they'll be deleted from your Beacon Score. Once we get your next credit report and update your database, the process starts all over again with fewer negative entries on your credit report each time.

In addition to our regular services mentioned above, Lexington Law also offers Concord services including Concord Standard and Premier. The Concord Standard service has all of the features of the normal service, but also offers extras like Debt Validation, Account Investigations, and Goodwill Interventions which can bypass the credit reporting bureaus to counteract the negative entries on your credit report at the source. The Concord Premier plan has all of the features of the regular service and Concord Standard, but with the addition of tools designed to go above and beyond the deletion of negative items in order to improve your credit score in other ways. For example, InquiryAssist will work to remove the harmful extra inquiries that potential lenders and some employers make in order to learn more about you. ReportWatch will track changes to your credit report in order to help you catch erroneous entries as soon as they happen. You'll also receive a monthly credit score analysis and insurance against identity theft with the Concord Premier plan.

Of course, you might be wondering how you can afford all of this if your credit is less than perfect. The truth is that while Lexington Law's services are not free, they are less than an average health insurance or cable bill, and when you look at what a low credit score can cost you in terms of higher interest rates and lost opportunities, you can't afford not to take advantage of our services.

All this, with a our risk free refund policy.
About the Author
J. Hall writes articles for consumers who want to find the best possible help with Credit Repair issues. She has written for many major publications about the latest bad credit repair terms and how consumers can find the most help.

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