Imagine not feeling nervous when you're making a purchase and you see that phrase “on approved credit” in the fine print. You deserve to feel confident in your credit, but it's a confidence that you'll have to earn. We're not going to pretend that fixing a bad credit score is a piece of cake. There are certain aspects that are easier than other parts of the process, and there are certain simple things you can do that'll make a big difference, but overall? There are still some challenges and hoops to jump through, which is why many Americans are opting to work with legal (and legit) credit repair companies like Lexington Law, who are trained and experienced to make the credit repair process as pain free as possible.
Chances are you've already done certain things that are positive for your credit, often without even thinking about it. Every time you make a payment on time, that's much better for your credit rating than missing it. If you've ever called your bank to let them know you are going to be late on a payment, that's another example of something that could potentially help you from taking a negative hit to your score. Still, even if you do things right most of the time, sometimes that's not enough. Those few little mistakes or oversights here and there, those can take a huge toll and end up costing you a fortune in the long run.
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Sometimes, there are items that are bringing down your score that aren't even your fault, that you might not even know about if you aren't keeping close tabs on things. It's not all that rare for the credit reporting bureaus, or creditors, to make mistakes. Sometimes things get added as strikes against you that you don't even have anything to do with, they're flat-out false and they're errors. Still, it's on you to have to get them taken down, and to notice them in the first place. This is a lot to deal with for a lot of people who simply don't have the time, or the understand, of how to navigate the murky waters of the credit reporting agencies.
The Lexington Law Firm specializes in helping Americans fix their credit scores, which is a very important service when you remember what an impact even a slightly-worse score can have on your overall financial situation. Getting even a slightly better interest rate on your mortgage can save you tens, or even hundreds of thousands throughout your lifetime…
But is it really worth the cost, or are you better off just actively working hard to improve your own credit score instead?
Let's cover some basics about Lexington that you might not know, let's go over some pros and cons and talk about whether or not you even need to hire a lawfirm to help you with this in the first place, and we'll give you a good idea what you can expect once you start taking steps to build yourself an incredible credit score. It's certainly not for everyone, especially if you have flawless credit. But even if your credit is decent, the move from decent to great can save you a literal fortune throughout your life.
A bit of background about Lexington Law…
When it comes to law firms that specialize in this type of work, Lexington is among the largest, and perhaps the most well-known, too. They've been at this long enough to know the ins and outs of helping their customers repair their credit scores. The advantage of this is that no matter what your unique situation is, chances are they've already seen something very similar, if not identical. Chances are they've already dealt with all of the creditors that could have strikes against you on your report, and they know the best ways to get through to them.
They know what's allowed, what isn't, and there's a lot of value in that, which brings us to another popular thought that many people in your situation have…
Do you need to hire someone else to repair your credit?
We always like to remind people that you don't need to hire a company to help you with your credit rating. There's nothing that they can do, that you can't do on your own…but the same is true for just about any other instance where you would hire somebody. Have you hired someone to fix your computer? To shingle your roof? To cook your favorite meal at a restaurant? These are all things that you could do yourself, or learn to do yourself, but we often hire professionals to handle all sorts of things because they can often do a better job more quickly, it saves us the time of having to learn a new skill, and sometimes the stakes are high enough that it's worth making sure things are done correctly.
A better credit score means you'll pay a lot less on your mortgage and save a lot of money in interest payments, which puts you closer to the home of your dreams:
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The companies that may have reported negative items to appear on your credit score know what they're allowed to do and what they're not allowed to do when it comes to trying to collect a debt, and they know which lines can be crossed and which ones cannot. Having another group with this knowledge and experience, but having them on your side and advocating for you, can make a massive difference.
How much does Lexington Law charge?
Obviously, price is an important factor when you're deciding whether or not you want to hire a professional firm to help. Especially since you may not be in the best financial condition currently. Make no mistake, this is not a purchase – it's an investment. The amount of money you'll save with a better credit score, and the doors it can open, can be worth incredible amounts of money over the years.
They charge a monthly fee at Lexington Law in order to be actively working to improve your numbers, their structure is as follows:
- $79.95 – Concord Standard: This is their entry level package, and it includes two main services. They will challenge items on your credit report with the credit bureaus to ensure that everything is being reported in a fair way, and they will intervene with your creditors in order to protect your credit ratings from future attacks. With so many Americans having unfair representations of their actual creditworthiness showing up on their reports, and not knowing what to do about or how to fight back against false reports, this is a very valuable service.
- $99.95 – Concord Premium: This is an upgrade to the Concord Standard package which includes everything that the Standard plan does, along with several more useful features. You can get daily updates (via text message, if you'd like) of any changes to your TransUnion score. It becomes addictive to get that alert every day and to watch your score climb higher and higher. It also includes services to help ensure your scores stay accurate and fair, and detailed custom monthly reporting.
- $119.95 – Premiere Plus: This plan has everything we've mentioned so far, in addition to having Lexington Law send cease and desist letters to overly-aggressive creditors, a FICO score tracker, protection from identity theft (which can be IMMENSELY damaging to your credit reports if someone is able to steal your identity), along with personal finance tools to help you get on the right track.
(Please note: The above prices are for a monthly subscription. You are charged once sometime in the first 5-15 days, and they will bill you monthly after that point.)
Where are they located, and do I have to visit their offices?
Lexington Law's offices are located in Utah. If you don't live near Salt Lake City, that's okay. You don't need to visit them in person in order to use their services. If you live in the United States of America, you can hire them to help you with your credit situation, even if you're on the other side of the country. They have clients in Salt Lake City, and throughout the rest of the USA.
Information on Lexington Law discounts:
They do offer discounts at Lexington Law. The first discount is $50 off your initial fee when you and your spouse or any other family members sign up together. There is also a $50 discount to the initial fee for active members of the military.
Advantages to having a law firm help with this process?
Let's face it, many of us have struggled with debt at some point in our lives, and it can be incredibly stressful. You don't even want to open an envelope from your mailbox because you don't know what it could be. You stop answering unknown numbers, you feel a generalized anxiety, it's just no fun. If you've gotten into that hole, it gets harder and harder to pull yourself out. If you have any inclinations towards procrastination, that makes it even more difficult. But the longer you wait, the worse it gets. It truly is a difficult situation.
Now, having the ability to make a phone call to a credit repair service and to have them handle it for you? That can be a complete game-changer for many people who are in similar situations. Admitting that you could use a helping hand doesn't make you a failure or a bad person at all, it's quite the opposite. Asking for help takes bravery in situations like this, and it's nice to work with a company that understands that and deals with it on a daily basis.
How long does it take to fix your credit?
That's like asking ‘how long does it take to read a book?' There isn't really a set-in-stone, one-size-fits-all answer. Of course, most bad credit scores will definitely have a lot of things in common, certain similarities that are known as the ‘low hanging fruit', and those are the types of things to work on first. There's a balance between the easiest things, that will have the biggest impact, and it makes sense to get those taken care of as quickly as possible, before they get worse or more challenging.
Can they get rid of anything from your credit report?
From student loans, late payments on your credit cards, hard inquiries from applications, collections agencies, and more… yes, all of those things can be removed. Now, keep in mind, it's impossible for Lexington Law to 100% guarantee they'll be able to get everything off of there, but those are all examples of things which have been removed for clients in the past. Your case may be easier than some, it may be more difficult than others, so the best thing to do is to reach out to them and see where you're at.
The next step…
Hopefully this Lexington Law review has helped to shine some light on the various services which they offer, and helped you to decide if this type of service would be helpful for your situation or not. If you're still on the fence or have any questions that weren't answered, just give Lexington a shout and their representatives will be able to answer any of your questions. If a credit repair service isn't a good fit for you, and you want to tackle these obstacles alone, good for you! But for many people, it's worth the fee in order to have some help with things, especially if you're not very familiar with all of this sort of stuff.
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