For years now, we have watched as news story after news story, article after article barrage the American consumer, proclaiming that "nothing can be done about bad credit" and that "time is the only antidote to bad credit." We were quite familiar with these catch-phrases; we had seen them before on propaganda literature written by the credit bureaus themselves.
Despite the fervent proclamations of bureaucrats and credit bureaus everywhere, a simple fact remains: inaccurate, incomplete, misleading, or biased (questionable) negative credit listings are deleted from peoples' credit reports by the thousands each and every day. The proof is clear.
How do you dispute bad credit?
As part of the Lexington Law service, you will use Case Valet to indicate to us which items you wish to dispute and how you want us to dispute them. Once we've received your credit reports we will draft letters to dispute questionable negative items on your behalf. These letters are designed to communicate your dispute in such a way that the credit bureaus will accept the dispute and conduct an investigation.
While this may sound easy, any person who has attempted to dispute their own credit will tell you otherwise. According to federal law, the credit bureaus can ignore your dispute under a variety of conditions. In our experience, a large part of dispute letters sent directly from consumers are rejected under one pretext or another.
Can I restore my own credit?
Given some experience and study, you could do some of what our staff does. It is much like your right as a citizen to represent yourself in court.
Many people choose to allow an attorney to represent them because the attorney understands the legal system better. But, should you wish, you could represent yourself.
Another factor to consider is the amount of time and follow-up required to coordinate disputes with all three credit reporting agencies. Lexington Law Firm has systematized the disputation of credit through a trained staff and a custom designed disputation infrastructure.
With that said, we encourage consumers to dispute their own credit if they have the time and knowledge to do so.
