If you don't know how to get a copy of your credit report it's quiet easy all you have to do is request one from the bureaus. I left a link in the description of this video where you can obtain a copy of yours for free.
A credit report is supposed to contain all or most of your credit borrowing history/ financial history starting from the time your started your first job and or making your first payment towards a utility like a cellphone bill. You credit reports also contains much more than that including your personal name, the address where you live and every time you made a payment on your credit card. I’m Assuming you have had a credit card before or currently have one since you’re watching this video about the top reasons repairing your credit won’t work. So as we have learned your credit reports is pretty unique and unlike 300 million other u.s citizens. Now if we where to look at some factual statistics published by your federal government they found that more than 30% of the population (over 90 million people) have a credit score lower than 620.
As we can see bad review after bad review saying pretty much similar things about lexington laws dispute process and what the company was actually able to accomplish for them including how much they charge.
For instance upon being called by Lexington law, or their affiliates. Yes they will violate the telecommunications and telesales laws as they were sued by the CFPB already! You can read more about that in the link i left on the description of this video
In the case of the “609 letter” as verbatim how Experian.com says A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. It's named after section 609 of the Fair Credit Reporting Act (FCRA), a federal law that protects consumers from unfair credit and collection practices” so as we can see this is nothing ground breaking, secret, or in any way special at all. Now maybe there’s more perhaps the “special loophole” he is talking about is what all the oldschool credit repair people got arrested for abusing back in the early 2000s. Yes you probably heard the term before and To this day people still use this term which is revered by the FTC as derogatory as you may get in this industry: The Credit Sweep. As said on the FTC consumer website, https://www.consumer.ftc.gov/articles/pdf-0090-fcra-609e.pdf
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