Lexington Law collected 254,924 credit reports from our clients. We analyzed the credit score
data from these reports to determine the efficacy of our efforts in improving our clients' credit
scores. We took the data and divided all credit scores into different score sections as follows:
400-500, 500-600, 600-700, and 700-800.
We looked at how distribution of credit score ranges varied as a function of how long the
individual had been retained as a client. You can review some of these statistics below:
Powerful Credit Score Improvement
A 30-day late payment can pull credit scores down by 60 to 110 points. Not surprisingly, when it comes to improving credit scores, nothing has proven more effective than the removal of questionable negative items from credit reports. Through work to remove these items, many past clients have seen dramatic improvements to their credit scores.
Lexington Law
has served over
1/2 million
clients since 1991.
While each individual client experience will vary, past clients have seen an average credit score increase of 45 points over the course of one year. Though your results may be more or less than average, consider how this type of increase would impact your ability to qualify for mortgage loans, auto loans, and credit cards at lower interest rates.
Q1 Results are in! Download the full list of all 289,347 negative items removed for Q1 (Jan-Mar) 2010. 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: | ||||
|---|---|---|---|---|---|
| 2010 | 289,347 | Q1 | |||
| 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 |
items be removed?
Further consumer rights also allow you to contact your creditors directly and request (or demand) that damaging information be removed from your reports.
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.
items are questionable?
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.)
remove accurate items?
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.
— R.S., 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.