Common Questions
Can questionable, bad credit be deleted or corrected?
Can credit repair companies be trusted?
How much does bad credit cost?
Does paying off past-due accounts neutralize their negative status?
Can deleted items reappear on my credit report?
Are items such as bankruptcies and foreclosures impossible to remove or correct?
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 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?
Can deleted items reappear on my credit report?
Are items such as bankruptcies and foreclosures impossible to remove or correct?
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 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 seven to ten years.The truth is that the credit grantor or the credit bureau can choose to delete the negative credit listing at any time, especially when you give them a reason to do so. The 7 year term is merely a time limit for reporting negative credit. Some items, like bankruptcies, may stay on a report longer than 7 years.
“I have to admit I was a little skeptical at first, but after seeing what you were able to do with my credit after only a few months, it is very reassuring.
Thank you for everything that you are doing for me and please pass on to your staff my appreciation for all of the hard work.”
— T.B., Lexington client*
(Your results will vary)
— T.B., 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.