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Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Call us today to take advantage of our no-obligation offer.
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Call Free Credit Consultation: 1-888-596-4997 for a Free Credit Repair Consultation
FREE Credit Report Summary & Credit Repair Consultation
Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Call us today to take advantage of our no-obligation offer.
Close
Credit Education
Credit Reports

What is a credit report?

[kred-it ri-pohrt] n. A report documenting a persons credit history including personal information, payment history on credit accounts, and information from public records such as liens, judgments, and bankruptcies.

Your credit reports are like report cards for how well you have managed your finances over the past few years. If you have been diligent about making payments and have successfully managed your debts, your credit reports should show that you are a grade "A" consumer with a high credit score.

If, on the other hand, negative entries such as late payments, collections accounts, or more serious items such as repossessions show up on your credit reports, your credit grade will suffer and your credit score will sink.

Something many people find out is that their credit reports don't really show how good they are with credit. Their credit grade is lower than it should be.

Managing your credit reports

Credit reporting is rarely perfect. Odds are there are some items on your credit reports that shouldn't be there and these questionable items are making your credit score lower than it should be.

Like debating with a teacher over a grade you don't feel you deserve, you can dispute the questionable negative items listed on your credit reports. Lexington Law has helped hundreds of thousands of clients dispute these questionable negative items in their credit reports.


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