Enabling outstanding results—

from credit repair efforts year after year.

Nothing has as severe an impact on your credit score as negative items. A single 30-day late payment, collection, or charge-off can pull your score down. Not surprisingly, the removal of questionable negative items has proven to be the most effective way to improve a credit score.

Fueled by 20+ years of experience serving over ½ million credit repair clients, our firm has developed a vast arsenal of tools and strategies that have proven to be quite effective at removing negative items. In 2013 alone, our clients saw 4,833,329 negative items removed from their credit reports.**

How we count removals

Negative items removed in 2013: 4,833,329

Our results prove it can be done. From late payments to charge-offs to bankruptcies, our firm has assisted in the removal of every single type of negative credit item. The list below details all 2013 removals by item type.

Q4 2013 removals by item type:
Collection  923,148
Late Payment  210,539
Charge Off  121,372
Bankruptcy  58,609
Settlement Accepted  28,677
Judgment  28,292
Lien  13,631
Repossession  5,168
Foreclosure  3,282
Negative  1,539
Civil Claim  509
Acct in Counseling  319
Garnishment  50
1,395,135 Q4 2013 Total Removals

Q4, 2013 Results are in! Download the full list of all 1,395,135 negative items removed for Q4 (October-December) 2013. 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:
2013 4,833,329 Q1 Q2 Q3 Q4
2012 3,347,490 Q1 Q2 Q3 Q4
2011 2,548,948 Q1 Q2 Q3 Q4
2010 1,297,226 Q1 Q2 Q3 Q4
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 removed in 2013**

4,833,329

Q4 2013 removals

1,395,135

Q4 2013 Monthly removals

465,045

Can your negative
items be removed?
Absolutely, so long as you have the grounds to request their removal. You have the right to question any credit information you feel to be inaccurate, unverifiable, misleading, untimely, unclear, ambiguous, or incomplete.

Further consumer rights also allow you to contact your creditors directly and request (or demand) that damaging information be removed from your reports.
 
What is “accurate?”
Accurate is 100% free from error, and is in no way unclear, ambiguous, untimely, incomplete, or misleading. In short, accurate is fair.

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.
 
What is “verifiable?”
Verifiable simply means that credit information can be verified with the source. If a creditor is unwilling, unable, or unavailable to verify that a credit item is accurate and timely, it must be removed.
 
Who decides if your
items are questionable?
You do. You alone can decide whether a credit item should be questioned or not. Only you know whether an item is not only accurate, but fair.

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.)
 
Can anything be done to
remove accurate items?
If you feel a negative credit item is 100% accurate and timely, you do not have the grounds to question this item with bureaus. Only the passage of time can assure bureau removal.

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.
 

“This is just to tell you how pleased I am with the service your organization has provided for me. My credit reports were a mess before we started and they really have taken shape. My client advocate has been extremely helpful. I will definitely recommend your services to others.”

R.S., Lexington client*
(Your results will vary)
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