Enabling outstanding results—

from credit repair efforts year after year.

Nothing has as severe an impact on your credit score as negative items. A single 30-day late payment, collection, or charge-off can pull your score down. Not surprisingly, the removal of questionable negative items has proven to be the most effective way to improve a credit score.

Fueled by 22 years of experience serving over ½ million credit repair clients, our firm has developed a vast arsenal of tools and strategies that have proven to be quite effective at removing negative items. In 2012 alone, our clients saw 3,347,490 negative items removed from their credit reports.**

Negative items removed in 2012: 3,347,490

Our results prove it can be done. From late payments to charge-offs to bankruptcies, our firm has assisted in the removal of every single type of negative credit item. The list below details all 2012 removals by item type.

Q4 2012 removals by item type:

Collection 492,578

Late Payment 131,025

Charge Off 84,687

Included in Bankruptcy 48,207

Settlement Accepted 20,965

Judgment 19,938

Lien 10,245

Bankruptcy 4,532

Repossession 4,487

Negative 2,962

Foreclosure 2,594

Civil Claim 293

Acct in Counseling 130

Garnishment 41

Partial Payment 2

822,686 Q4 2012 Total Removals

Q4, 2012 Results are in! Download the full list of all 822,686 negative items removed for Q4 (October-December) 2012. Each listing shows the creditor’s name, type of negative item, and removal date. If that doesn’t satisfy your appetite for numbers, we’re not sure what will.

	Removed	View detailed removal lists:
2012	3,347,490	Q1	Q2	Q3	Q4
2011	2,548,948	Q1	Q2	Q3	Q4
2010	1,297,226	Q1	Q2	Q3	Q4
2009	1,013,469	Q1	Q2	Q3	Q4
2008	665,515	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

Service Levels

Items removed in 2012**

3,347,490

Q4 2012 removals

822,686

Q4 2012 Monthly removals

274,228

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.

WHAT WE DO HOW IT WORKS WHAT BAD CREDIT COSTS CLIENT RESULTS SERVICE LEVELS TESTIMONIALS COMMON QUESTIONS

“Thank you for all the wonderful work your staff has done on my behalf. The creditors that I wanted removed are no longer there... I couldn't have done it without you, nor would I ever want to. You and your staff are truly professionals and I bow to you.”

— C.F., Lexington client*
(Your results will vary)

*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. REF# Confirm