Can a credit repair service remove accurate negative marks, or only errors — and what is the distinction?
Credit repair services can legally dispute any item on a credit report — accurate or not — requiring the bureau to verify it with the original creditor within 30 days. If the creditor does not respond in time, the item is removed. In practice, accurate negative marks are usually verified and remain.
Lexington Law Credit Repair
Credit repair service that disputes inaccurate, unfair, or unverifiable negative items on your credit reports — legally, on your behalf.
Key Features
- Attorney-backed disputes
- All 3 bureaus addressed
- Creditor interventions
- Credit score tracking
- FCRA compliance expertise
Best for
Seniors with genuine errors on credit reports who want professional representation for disputes.
Worth knowing
Cannot remove accurate information. You can dispute errors yourself for free — Lexington Law saves time, not money in all cases.
What makes it worth considering?
Under the Fair Credit Reporting Act, consumers have the right to dispute inaccurate or outdated information on their credit reports. Lexington Law's attorneys and paralegals do this on your behalf, disputing errors with all three bureaus and with the original creditors.
Results vary significantly — credit repair works best when reports contain genuine errors. It cannot legally remove accurate negative information. Monthly fees range from $90 to $140 depending on the service tier.
Note: You can dispute errors yourself for free at AnnualCreditReport.com. Lexington Law is valuable for those who prefer professional representation or face complex multi-bureau errors.
Frequently Asked Questions
No — accurate information cannot legally be removed from your credit report, regardless of what any company promises.
Most negative items (late payments, collections) remain for 7 years. Bankruptcies remain for 10 years.
How does it compare?
Other options in this category worth considering.
| Product | Price | Best for |
|---|---|---|
| Lexington Law Credit Repair This pick | $90–$140 | Seniors with genuine errors on credit reports who want professional representation for disputes. |
| National Debt Relief | $50–$150 | Seniors with $10,000+ in unsecured debt who cannot afford minimum payments and want to avoid bankruptcy. |
| YNAB — You Need A Budget | $99–$99 | Seniors on fixed income who want to gain control of spending and eliminate financial stress. |
Prices are approximate ranges — check each retailer for today's price.
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Browse Debt Relief & CreditInformation last verified: 2025-01-01.