LEXIS ACTIVE
📄 Letter Library ⚙️ Admin 🚪 Portal
⚖️
LEXIS
Legal Expert Credit Intelligence System
20+ Years Dispute Experience
Attorney-Level FCRA Knowledge
20+
Yrs Experience
FCRA
Primary Law
FDCPA
Collector Law
Metro2
Standards
Strategy Questions
🎯 How to remove a collection account?
💳 Best strategy for a charge-off dispute?
🔄 Bureau says "verified" — what now?
⏰ Remove an accurate late payment?
💰 Does pay-for-delete actually work?
Law & Rights
📜 FCRA Section 609 — how to use it?
⏱️ Statute of limitations by state?
🏥 HIPAA medical collection dispute?
📊 Metro 2 compliance disputes?
📞 My rights with debt collectors?
Letter Generation
✍️ Generate a custom dispute letter
📬 Which letter should I send first?
🙏 Write an effective goodwill letter?
Advanced Tactics
⚡ Force deletion of unverifiable item?
💼 Sue for FCRA violations — damages?
🔍 Hard inquiry removal strategy?
📅 Re-aging dispute strategy?
⚖️

LEXIS — Credit Dispute Intelligence Agent

I'm LEXIS, your AI credit repair specialist with over 20 years of dispute experience. I operate at the intersection of FCRA FDCPA FACTA Metro 2 and aggressive consumer advocacy. I think like a Credit Dispute Attorney — I know every loophole, every bureau obligation, every collector weakness, and every law that protects your clients.
✅ Ask me anything about credit repair strategy, dispute letters, consumer law, or how to handle specific items on a credit report. I'll give you real, attorney-level guidance.
What credit challenge can I help you tackle today?
LEXIS — Ready
Remove collection FCRA 609 Pay for delete Hard inquiry 7-year rule ✍️ Generate Letter
⚖️ Law Reference & Tools
Key Laws
📜 FCRA § 1681i
Reinvestigation of disputed information. Bureau must investigate within 30 days. Must delete if unverifiable.
$100–$1,000/violation
📜 FCRA § 1681e(b)
Maximum possible accuracy standard. CRA must maintain reasonable procedures for accuracy.
Actual + punitive damages
📜 FCRA § 1681c
7-year rule for most negatives. Bankruptcies: 10 years. Hard inquiries: 2 years.
📜 FCRA § 605B
Block identity theft items within 4 business days. Requires FTC Identity Theft Report.
📜 FCRA § 1681s-2(b)
Furnisher duties upon dispute. Must investigate, review evidence, and correct/delete inaccurate data.
📜 FDCPA § 1692g
Debt validation rights. Consumer has 30 days to demand validation. Collector must cease until validated.
$1,000/violation + atty fees
📜 FDCPA § 1692e
Prohibits false/misleading representations. Includes misrepresenting debt amount, character, or legal status.
📜 FDCPA § 1692c
Cease & Desist rights. After written request, collector may ONLY contact to confirm cessation or notify of legal action.
Recommended Letters
📄 Open Letter Library →
70+ professional dispute letters organized by category
Key Timelines
⏱️ Critical Deadlines
30 days — Bureau investigation window
45 days — Extended if consumer sends new info
4 days — Identity theft block (§605B)
5 days — Must notify consumer of deletion/reinsertion
30 days — Debt validation window (FDCPA)

✍️ LEXIS Letter Generator