Common Questions

What is a credit report?

What kind of information appears on a credit report?

How long do negative items stay on a credit report?

Can I see my credit report?

How much bad credit does it take to be denied credit?

Who looks at my credit report?

What is the difference between R1 and R9?

What is a charge off?

What is a charge off?

When you become very delinquent on an account, the creditor will probably charge it off. This means that they have written the debt off as a loss for tax purposes. This does not mean that they have given up collecting on the debt. The creditor is now likely to either sell the debt or send it to collections.

What is a credit rep...

“I have reviewed my credit statements and find that you have done a great job at cleaning up my credit. I am very happy with the job that you have done. So happy in fact that I am recommending you to anyone who I know with bad credit. You have literally worked yourself out of a job. :) thank you thank you thank you.”

— G.P., 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.

© 2010 Lexington Law®. All rights reserved. John C. Heath, Attorney at Law, PLLC, d/b/a Lexington Law. Lexington Law is a group of law firms that may also be referred to throughout this site as "Lexington," "Lexington Law Firm," "we," "us," or "our firm". The number of items removed represents the combined results of the group.