Enabling outstanding results

for credit repair clients for over 18 years.

The most important factor to consider when choosing a firm to represent you in your credit repair efforts is experience.

The experience our firm has massed over 18 years of serving 1/2 million clients has enabled the development of a vast arsenal of tools and strategies that empower our clients' success.


The true value of our experience shows in the results of our clients, who in 2008 had 665,515 negative items removed from their credit reports. That breaks down to 55,459 removals per month, 1,823 per day, or 75 per hour. A removal a minute is certainly impressive... but what does that really mean for our clients?

1 - Based on a recent study of Lexington Law client results, Concord-level clients who submitted updated reports quarterly saw an average of 84% of the negative information removed from their credit reports within 1 year.

How can Lexington Law help you?

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Putting Lexington Law to the test.

Years ago, a Lexington Law attorney visited a regulatory agency for a conversation about the benefit of legitimate credit repair organizations. When the conversation turned to the whether negative items could truly be deleted from credit reports, the attorney presented a stack of paper six inches high detailing 50,000 items removed by our clients.

Though this number has now grown into the millions, we continue to publish detailed results (creditor, item type, date of removal, and credit bureau) to send a clear message of hope that legitimate credit repair is most certainly possible.

Feel free to download and examine this evidence for yourself:

Removed View detailed removal lists:
2008 655,515 Q1 Q2 Q3 Q4
2007 602,879 Q1 Q2 Q3 Q4
2006 609,443 Q1 Q2 Q3 Q4
2005 667,366 Q1 Q2 Q3 Q4
2004 585,214 Q1 Q2 Q3 Q4
2003 354,714 Q1 Q2 Q3 Q4
2002 269,196 Q1 Q2 Q3 Q4

What types of items have been removed?

Below is a full list of the type and number of negative items removed by our clients in 08:
532Acct in Counseling
579Acct in Dispute
8,352Bankruptcy
162Cannot Locate
109,298Charge Off
648Civil Claim
226Closed by Grantor
275,984Collection
15Contact Creditor
2,506Foreclosure
57Garnishment
41,151Incl. in Bankruptcy
22,983Judgment
149,858Late Payment
13,756Lien
16Lost/Stolen Card
20,237Negative
44Partial Payment
4,078Repossession
15,033Settlement Accepted


Can your negative
items be removed?
Absolutely, so long as you have the grounds to request their removal. You have the right to question any credit information you feel to be inaccurate, unverifiable, misleading, untimely, unclear, ambiguous, or incomplete.

Further consumer rights also allow you to contact your creditors directly and request (or demand) that damaging information be removed from your reports.
 
What is “accurate?”
Accurate is 100% free from error, and is in no way unclear, ambiguous, untimely, incomplete, or misleading. In short, accurate is fair.

The black-and-white nature of a credit listing doesn't always tell a fair story. Courts have ruled that even though some credit listings may be technically accurate, they are not truly accurate based on circumstance.
 
What is “verifiable?”
Verifiable simply means that credit information can be verified with the source. If a creditor is unwilling, unable, or unavailable to verify that a credit item is accurate and timely, it must be removed.
 
Who decides if your
items are questionable?
You do. You alone can decide whether a credit item should be questioned or not. Only you know whether an item is not only accurate, but fair.

Our firm does not advise that any consumer, client or not, abuse their right to fair credit by disputing an item in bad faith (knowing it to be 100% accurate and timely.)
 
Can anything be done to
remove accurate items?
If you feel a negative credit item is 100% accurate and timely, you do not have the grounds to question this item with bureaus. Only the passage of time can assure bureau removal.

However, just because an item cannot be questioned with credit bureaus does not mean it cannot be removed from your credit reports.

As the originating source of credit report information, your creditors may revise or remove furnished information whenever they see fit. In that regard, you have a number of rights when it comes to dealing with your creditors which can be leveraged to work toward a favorable credit solution.

Our firm's Concord-level services include a cadre of interventions which leverage these consumer rights.
 

“Thanks for the excellent services you have provided. I would sincerely say that your organization conducted business in the utmost professional manner. I am extremely pleased with the way you worked things out for me. Thanks for the wonderful service. You and your team have a great year ahead!”

B.P., Lexington client*
(Your results will vary)
More Testimonials  Client Videos

*Important: While the testimonials and other information on this website may be exciting, Lexington Law promises only to perform the steps we've agreed to in each client's case and to charge each month only for steps already completed. As with any legal work, no outcome is promised. Your results will vary. **The number of items removed represents the combined removals for all three credit bureaus. For example, if a single questionable negative item is removed from all three credit reports, it is counted as three separate removals.
© 2009 Lexington Law® All rights reserved. John C. Heath, Attorney at Law, PLLC, d/b/a Lexington Law.
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