Common Questions
Can questionable, bad credit be deleted?
Can credit repair companies be trusted?
How much does bad credit cost?
Does paying off past-due accounts neutralize their negative status?
Will deleted items just reappear on the credit report?
Are items such as bankruptcies and foreclosures impossible to remove?
Should consumers try credit repair on their own?
Does bankruptcy wipe the slate clean for a second chance?
Do creditors bother to read the 100-word statement?
Can changing one's SSN or EIN tax number help credit matters?
Does enough good credit offset any bad credit?
Does the CCCS help consumers restore credit?
Do negative items have to remain listed for 7 years?
What is the Fair Credit Reporting Act (FCRA)?
Can credit repair companies be trusted?
How much does bad credit cost?
Does paying off past-due accounts neutralize their negative status?
Will deleted items just reappear on the credit report?
Are items such as bankruptcies and foreclosures impossible to remove?
Should consumers try credit repair on their own?
Does bankruptcy wipe the slate clean for a second chance?
Do creditors bother to read the 100-word statement?
Can changing one's SSN or EIN tax number help credit matters?
Does enough good credit offset any bad credit?
Does the CCCS help consumers restore credit?
Do negative items have to remain listed for 7 years?
What is the Fair Credit Reporting Act (FCRA)?
Do negative items have to remain listed for 7 years?
When you speak with certain creditors, their typically under-educated staff may tell you the law demands that negative listings appear on your credit report for no longer than seven years. The credit grantor or the credit bureau can choose to delete the negative credit listing whenever they see fit.*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 may vary.
“Just want to say a big THANKS for your updates. I will continue to do my part and getting the info to you all as soon as it is available to me.
Again thanks for your help and responses. It's people like you that give customer relations and customer service a good name.”
— A., Lexington client*
(Your results may vary)
— A., Lexington client*
(Your results may vary)
© 2008 Lexington Law™ All rights reserved. John C. Heath, Attorney at Law, PLLC. The services of Lexington and its affiliates may not be available in all states. 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 "the firms". The number of items removed represents the combined results of the group. Terms of Use were last updated on 02/24/2006. Privacy Policy was last updated on 02/24/2006. // 1.0.1