If you’re in a situation where your credit rating isn’t the best and you wish to get a better rating within the shortest duration, you might be considering engaging the services of Lexington Law credit repair. But to what extent do they need to assist in rebuilding your credit? Now, let us begin with understanding the duration it will take Lexington Law to breathe life to your credit.
What is Lexington Law?
Lexington Law is also among the best credit repair companies that are available in the market today. Their service provision in helping consumers fix and establish credit has spanned over 27 years. Their team of licensed attorneys and credit experts then represent you towards the credit bureaus, demanding the removal of any inaccurate, unverified, misleading, or incomplete information on your credit reports.
By helping you to dispute and get negative items erased from your credit reports, Lexington Law works towards the goal of ensuring that you enjoy a higher credit rating that enhances your ability to secure loans, mortgages, and credit cards among other credit facilities.
This is a common question that many clients ask when seeking the services of the Lexington Law Firm: How long will it take to repair my credit?
The amount of time it takes Lexington Law to help improve your credit score depends on a few key factors:
- The current state of the credit reports
- The total and relative negativity of the items on your reports
- When the credit bureaus and your creditors are likely to respond to your dispute
It is usually possible for most consumers to record some improvement within the first four months. But that is not the case because it can take, on average, between half a year and a year to improve the credit score.
However, it needs to be understood that Lexington Law can only provide services to repair the credit as fast as possible, but they cannot guarantee the time frame for the credit repair or the complete erasure of all negative items from the client’s credit history. The credit bureaus have the option to respond and provide a response within 30 days of the dispute. Creditors also enjoy a limited amount of time to dispute the accuracy in compliance with the provisions of the act.
This process may require several rounds of deletion to ensure that your credit reports do not include any wrong, misleading, or dubious information. If there is a secret to being successful, then patience is the name of the game.
This paper is a discussion of what one should anticipate in the first four months of an accounting job.
During the first month of using Lexington Law, you will collect all essential documents, provide them with your most recent credit reports, and establish goals and timelines for initiating credit repair.
In the second to the fourth months, Lexington Law’s legal team will start scrutinizing your credit reports permanently to find any possible way to enhance your score. This can include unpaid, overdrawn, or otherwise problematic account statuses, balances, late payments, or other negative items that may be redeemable.
This is the period where your dedicated paralegal will be persistently challenging these items through preparing and submitting personal challenge letters, engaging with the credit agencies and your creditors, and providing you with updates.
While every consumer’s credit situation is unique, many Lexington Law clients start to see at least some positive changes to their credit reports within these first four months in the form of:
- This process involves eradicating all the late payments that were recorded in error.
- Changes on the incorrect balance on an account or status.
- Using an account without proper identification or enquiring about something in a non-clear manner.
After some longer period, constant disputing and deleting of the incorrect information will eventually help you raise your credit score.
When will the improvements begin to happen and how long will it take before the changes are profound?
According to Lexington Law, the most significant improvement in your credit score will be realized within the first half of the first year.
This is because countering wrong or inconclusive information usually requires some amount of time and determination. Objects are usually not discarded after a single attempt at dispute and most of the time they remain in circulation for a long time before being retired. However, Lexington Law employs several rounds of disputes spanning several months to maximize on the possibility of having the negative items deleted.
It is only around the sixth month when the majority of the inaccurate items that were initially challenged in the credit report from the second to the fourth month are deleted by the credit bureaus. To make substantial changes to a credit score, it is necessary to delete such dangerous products.
From 6 to 12 months, whether or not new changes or additions have been made since enrollment, your assigned paralegal will go through the credit reports again. This helps in checking and questioning any new inaccurate or questionable information that may be inputted into your credit report before it can do more harm.
After about one year, Lexington Law will review your credit report and file all possible challenges that apply to your case. By the time most of the desired credit score enhancements have been accomplished through the process of removing the wrong report.
Of course, every consumer’s unique situation, credit status, and objectives will be unique. However, this general timeline gives a hint of what is likely to be encountered when undertaking credit repair with Lexington Law, provided one remains consistent with the process.
Maintaining Your Rebuilt Credit
Now, expanding from the basic repair services, Lexington Law also offers post-credit repair credit monitoring and management. This can be very useful for maintaining your newly achieved good credit standing that you’ve worked to improve recently.
It also helps that their paralegals will check your updated credit reports for changes while keeping an eye out for possible signs of identity theft. They can challenge any new inaccuracies that may arise before they get out of hand and damage the business.
There is also a necessity to carry out constant credit maintenance and protection that will help consumers protect the outcomes of the rebuilding processes they have reached. In this way, you do not have to get the shock of seeing your credit polarity regression due to certain errors or fraud cases.
Are You Still Wasting Time and Not Ready to Begin Repairing Your Credit?
Lexington Law has been in practice for over 27 years and has established records of effectively challenging negative items, reducing the rate of late payments, and eradicating other undesirable info from credit reports. The effects, however, are normally realized within a four to six-month timeframe for most of the clients.
But any major improvements in credit scores are quite noticeable between six months to one year of constant disputing work. It cannot be pointed out that there is a standard number of days that the process will take, as it depends on the credit history of any particular client.
Although, Lexington Law does not guarantee that it will be able to eliminate 100% of the negative credit items or give a definite time frame, the knowledge that they possess will be very useful in saving your time and giving real outcomes as far as disputing some entries on your credit reports are concerned.
Finally, should you wish to begin the process of enhancing your credit standing head-on, log on to www.LexingtonLaw.com where you will be offered a free credit consultation and review of your credit report. An experienced case manager can assess your special circumstances, identify your expectations, and join the credit repair program that matches your situation to start the process as soon as possible.
Call now for expert credit repair services: (888) 803-7889
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