Credit repair companies can help when debt collectors attempt to collect an expired debt you no longer legally owe. Most credit repair companies employ lawyers to assist with these processes. The company’s employees send official cease-and-desist letters to get these collectors to stop contacting you. Negotiating with creditors may help remove inaccurate or out-of-date marks from credit reports, improve credit histories and increase credit scores. 
With what they charge, is Lexington Law effective at helping people improve their credit history? As you'd expect with such a large business, the reviews are mixed. Most credit repair services are criticized for not making noticeable improvements in less than two months, but that's to be expected. But, Lexington seems to have a higher-than-average number of people who say that they didn't get prompt responses from company reps, not just that their reports didn't improve quickly. On the other hand, we found numerous people saying that their credit scores improved dramatically as they stayed with the service, usually for six months on average.
Credit card consolidation - is it right for you? If you're carrying a high interest rate across multiple cards, you may benefit from such services. With more and more Americans facing large medical bills, job loss, and other financial setbacks, credit card debt is higher than ever. And, with interest rates and late fees, it's not unusual for people to get in over their heads. Credit card consolidation helps consumers to better manage their debt and get back on solid financial footing once more.
"I started using this program 11 months ago and the results have been amazing! The small monthly fee is worth the work CreditRepair.com does and their customer service is always great! My 503 score 11 months ago is now 647 and only getting better! If you are having issues with your credit don’t stress and use CreditRepair.com, I highly recommend it!"
"I tried buying a new car a few months ago but I could barely get approved for a loan and if I did get approved the interest rate was above 20%. I decided to give CreditRepair.com a few months to work on my credit. I re-visited the dealerships this week and thanks to CreditRepair.com my score drastically improved and I was able to qualify for a very reasonable rate. Thank you CreditRepair.com, you literally improved my way of life."

"It has been 4 weeks since the day I registered. I have also registered with Equifax Credit Bureau directly which increased my credit score twice as much as credit repair did not even change the info in their website. Every time I call them they tell me they have sent the requests. It will take months to reflect on your credit. Little different then what I originally expected. I am still registered."
After you download your credit reports, it takes several hours to review them for errors. Then, you must gather documentation and draft dispute letters, which could take up to a week or more if you aren’t already familiar with your records. Depending on the item and the reason it's in your credit history, this could involve writing a short letter or performing significant amounts of research.
If you find information that is incorrect, you can file a dispute. Remember too, that items on your credit report that you don't recognize could also be potential signs of fraudulent activity — someone working to secure credit in your name for their own use. Make sure you're clear on items that could potentially be fraudulent, versus those that may simply be inaccurate.
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