Lexington Law uses a proven process to help our clients work to repair any inaccurate and unfair negative items—like late payments or collections—that are wrongfully hurting their credit reports. Here’s how it works.

When you sign up for Lexington Law’s services, we’ll start your case by pulling your credit reports. You’ll then need to log into your account and answer some questions about the items on your report so our team can decide how best to handle your credit repair needs.

In particular, we want to know which items are unfair, unsubstantiated or inaccurate, so we’ll look into whether all relevant laws have been followed and whether all information is being reported accurately. These items could be wrongfully hurting your credit.

If necessary, one of our paralegals will reach out to you to get more information.

After we’ve worked with you to identify which negative items on your report can and should be addressed, our team will get to work sending challenges on your behalf. If your creditors and the credit bureaus can’t provide evidence that the items in question are fair and accurate, they’re legally required to remove them.

Throughout this process, you can check the status of your case through your online client portal. You can also use our app (here for Apple and here for Android). If at any point you have questions, please call our client support team at 1-800-341-8441.

As we systematically address each questionable negative item on your reports, our team will also help you monitor and manage your credit. We’ll notify you of any new negative items that need to be addressed and we’ll provide credit education opportunities to help you develop wise credit habits. We offer credit score analyses and mentoring through our online portal, and as always, you’re welcome to call our team for additional help.