Is Your Credit Score Affected by Lies, Errors, or Unfair Items? Here's What You Could Do To Fix It

Your credit score is the key to securing favorable interest rates, getting approved for loans, and fulfilling milestones like buying a new home or car. But what if inaccurate information, errors, or outright unfair items are dragging your score down?

Millions of Americans face this challenge, often without even realizing it. If you’re paying higher than usual interest rates or have recently been denied a loan or credit card — chances are you’re one of them.

The good news is, you have the power to challenge and correct these transgressions. Lexington Law can help you challenge any questionable items on your credit report and get back on track.

How to Repair Your Credit Score With Professional Help

Lexington Law doesn’t mess around. They are one of the few credit repair firms with formal contractual agreements with multiple bureaus to fight for your best credit report. Their team will act as your champion advocate against credit bureaus and debt collectors by disputing inaccuracies on your credit reports. Here’s a brief step-by-step of how the credit repair process works and what to expect.

STEP 1. Uncover the hidden truths on your credit reports

First, someone from Lexington Law will review your credit reports with you to determine which questionable items are wrongfully hurting your credit.

Don't wait to get started, get your free credit assessment today.

STEP 2. Dispute and challenge any errors or inaccurate items

Next, acting on your behalf, Lexington Law's legal team asks the bureaus and your creditors to verify these questionable items as accurate and fair. If the items can not be substantiated, their team then submits the appropriate correspondence and documentation to legally challenge any errors or unfair items to have them removed from your credit report.

STEP 3. Ongoing legal support & monitoring

Lexington Law's legal team continues to proactively handle any negative items requiring further action, ensuring your credit is accurately and fairly represented. If your credit disputes are escalated, they provide ongoing legal support when needed — minus the expensive retainer fees.

Unfortunately, there’s no way to predict in advance how long it will take to repair your credit, as every credit report is unique. However, Lexington Law’s legal team can continue to support you via web chat, and answer any questions you might have about your credit, the status of your case or any changes to your account.

Is your credit score lying?

Start your credit fight with Lexington Law on your side at no cost. They'll match your questionable credit report lies with the right legal interventions and challenges to fight for the credit you deserve.

Lexington Law’s Disclaimer: Terms and Conditions apply. By requesting a Credit Assessment, you acknowledge and agree that you are providing Lexington “written instructions” in accordance with the Fair Credit Reporting Act to obtain your credit reports from any consumer reporting agency, affiliate or third party and to use your credit reports to provide your Credit Assessment. You are not required to engage Lexington’s services in order to visit and read material on its website; however, you will need to engage Lexington’s services if you want it to assist you in your efforts to improve your credit reports and rating. If you engage Lexington, you agree to provide accurate and complete information. You must be legally capable to enter into contracts. It is your responsibility to make any updates to your sign-up information. Each engagement is for a single person only. Lexington does not permit any other person to engage Lexington’s services on behalf of another unless you have an appropriate Power of Attorney. You are responsible for preventing such unauthorized use. If you believe there has been unauthorized use, you should notify Lexington immediately by emailing quickanswers@lexingtonlaw.com. If you participate in Lexington’s Text Message Program after you engage Lexington, you may stop receiving servicing text messages by texting STOP (and no other words or characters) to the short code from which you received the Lexington text message(s). Almost all STOP requests are taken care of immediately, but it may take up to 3 business days from the date you text STOP to be removed from Lexington’s texting list(s). Note that texting STOP in response to a servicing text message will only stop servicing text messages, and will only stop text messages to the phone number you used to text STOP.

The information provided on this page is for educational purposes only and is not intended as legal, financial or credit advice.