You may be working on your credit at this very moment or you may have done it in the past with some good results, but let’s talk about the success of Lexington Law Credit Repair Attorneys.

I’ve been around since Lexington laws’ inception online. I started out in the online credit arena in 1995 and that’s about the same time Lexington came on the “online scene”. I’ve seen many credit repair agencies come and go since then, most have gone, but one thing remained solid and that was Lexington law’s results.

I remember when they first arrived on the scene and there was a lot of buzz about what they could or could not do. They were especially hated by the credit industry and for good reason. They were a real threat. By having law degrees, these attorneys were free to brand credit repair in a whole new way. A sort of revolution that we hadn’t seen online before.

The credit bureaus and even collection agencies began a massive “words” campaign to combat Lexington’s offer of cleaning up your credit report. The net was buzzing with rumor that they’d be shut down by the credit bureaus and be banned by almost every advertiser.

Little did they know then, that none of that mattered. Lexington stayed true to its promise to help the forgotten consumer and never relied on advertisers for income, so there was no real way of stopping them.

Some figured they’d get a bad rap with the Better Business Bureau (BBB) or be investigated by the Federal Trade Commission (FTC). But alas, no such luck for those nay-sayers, as Lexington is thriving even stronger today. What those nay-sayers were banking on, was that Lexington would Pre-Charge millions of people for credit repair, which you cannot do.

Part of the CROA (Credit Repair Organization Act) states that you cannot charge for the work in advance before its complete. Lexington never worried about that, because they allowed people to pay on a monthly basis and cancel anytime.

Long gone were the archaic days of credit repair where you could be duped into a lengthy contract and have to fork over up to $1,000.00 per person for the work. Even then, there were no guarantees that the items disputed, would be removed. It was an expensive gamble and millions got taken.

Lexington’s rapid online and affordable system kiboshed both of those situations and the product became more defined and even more technological advanced, giving consumers online access to their progress.

I remember the old days of getting your credit reports, photocopying them, sending them back to the credit repair company by mail, then waiting on them to send out all your disputes and make you sit by the phone and mailbox waiting to “pretend” you sent them and basically do their job for them.

Lexington leveraged the FCRA section that states, we as consumers have a right to hire someone to help us with our credit, so Lexington doesn’t try to hide that they’re the machine behind the consumer. It’s the persons’ right and its perfectly legal.

I’m sure the credit bureaus cannot stand the sheer existence of Lexington Law but most of us credit experts cannot stand the existence of the credit bureaus, so the feeling is mutual.

Their credit report repair soon began to prove itself. As other credit repair businesses began to fold from either lack of business or multiple complaints, Lexington honed its method and used technology to its advantage, thus creating faster, more accurate disputes, which equaled faster removal of negative items.

Once they were able to prove that they were a real contender for the credit bureaus, faith in their product began to rise. Consumers started talking to one another on message boards and chat rooms and asking questions about success others had using Lexington law.

It was clear that Lexington was able to prove their results in writing and post real testimonials (Both are on their website and the deletions record can be downloaded in PDF).

This only strengthened Lexington laws’ brand and made them the leader in online credit repair. I’ve seen some really impressive “looking” websites that try to copy Lexington’s look and approach, but it’s one of those things that you feel in your gut, and you just know, most are copycat web sites looking to coast of Lexington’s good image.

I’ve also talked personally to a lot of consumers who have used them, and that’s whats important to me. When I add up the happy clients I’ve seen, the clear and perfect BBB record, the hundreds of thousands of deletions, and the fact that they’re not afraid of the credit bureaus, that equals a success few can match.

I’m all for consumers taking their credit into their own hands and doing the work themselves. Heck, I was one of the first to create and offer such a DIY program online in 1995, BUT, there simply are people out there who do not want that burden or don’t have the skills to embark on that credit journey. For them, I’m glad Lexington Law is such an impressive and respected outfit, because hopefully that will keep thousands of people from landing in the hands of a fly-by-night or shady company looking to take them for every penny they can.

There’s a lot of consumer experts or so called advocates out there that simply believe no one should ever enlist help in fixing their credit problems, but to them, I say, you are either having your pockets lined by the credit industry or you are out of touch.

Despite most of their claims, credit repair is desperately needed and necessary, not because all of us consumers are losers and flakes who ruin our credit, but because the credit industry is a disaster and its record keeping a shame. That’s why credit repair is in such high demand to begin with. Erroneous collection accounts, misreported trade lines, identity theft messes, duplicate inquiries, incorrect personal information,  and on and on. The credit bureaus are such a monopoly that consumers fear dealing with them.

I, unlike many credit experts, am not paid by the credit industry and I’ve lived the “credit of an American” nightmare and know firsthand how overwhelming and unsatisfying the whole credit system can be. To those people, firms like Lexington are a helpful avenue in a twisting, winding road. 

If I want to take my car to a mechanic, I will. if i want to change my own oil, I will. Same goes for my credit. If I want to pay for a service that I don’t want to have to bother with, then that’s my right, and the credit industry should spend less time worrying about money a credit repair agency makes and clean their own house.

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