"All truth passes through three stages. First, it is ridiculed. Then it is violently opposed. Finally, it is accepted as being self-evident."
- Arthur Schopenhaur (1788-1860)
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Why Lexington needs updated credit reports.
Our ability to delete negative items is dependent on having up-to-date credit reports. Without copies of your current credit reports
we can do very little to improve your credit. Sometimes clients forget to forward their credit reports. Other times the credit bureaus fail to send
updated reports to the client. In either case the process slows until we receive updated credit reports. It is therefore crucial that you forward
updated reports to Lexington as soon as you receive such from the bureaus in order for Lexington to keep your case moving forward.
Why Lexington requires reports to be mailed.
While faxing can be a faster way of getting your credit reports to us, it is also much less reliable than mailing them to our office.
Fax machines can vary greatly in quality. As such facsimiles are often illegible due to smears, smudges, or other artifacts caused by the inferior quality of some machines.
This makes it particularly difficult to read the small typeface commonly found on credit reports, and thus delays the process unnecessarily. To avoid these
problems which can cause significant delays we have adopted a policy which requires clients to mail the reports to us instead. This is the only way to guarantee that we receive
legible and accurate reports from our clients. To expedite the service you may want to consider mailing your reports via overnight or priority mail.
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Truth is stranger than fiction. While the credit bureaus insist it cannot be done, our government is inclined to believe them. And although we’ve been
proving them wrong since 1991 they refuse to accept this truth as being self-evident.
Don’t believe the hype. Lexington’s service has been alive and kicking for over a decade. In that time we have made great strides in our methodologies, continually refining
and redefining our strategies for optimal performance. Although the details of the process have changed over time, the underlying principle has remained virtually the same.
Here are the four essential steps that make up the process of cleaning up your credit reports. These steps are repeated until you are satisfied with the results.
 Step 1: Forward your credit reports.
You begin each cycle by forwarding to us copies of your credit reports from all three of the major credit bureaus. Keep in mind that the credit bureaus will only correspond directly with you,
not your law firm. Without receiving these updated reports we have no way of knowing which items were removed successfully. Updated reports should be mailed to our office,
not faxed or emailed (see the sidebar for more information.)
 Step 2: Choose which items to dispute.
Once your credit reports are received our staff enters the information into our database. Using our online
Dispute Valet service you then choose which items to dispute, and how. Sound complicated? Not to worry. The service comes
with an easy-to-use wizard that makes this step a simple matter of pointing and clicking with your mouse.
 Step 3: Lexington works your case.
Lexington begins the dispute process by drawing upon its vast arsenal of credit report repair strategies and experience to challenge negative items directly with the credit bureaus. Depending
on the number of negative items on your credit reports this step will be repeated for each subsequent loop through the cycle.
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