Disclosure Information

  • How we count removals

    The number of items removed represents the combined removals of all clients for all three credit bureaus that occur during the client’s representation. For example, if a single questionable negative item is removed from all three reports, it is counted as three separate removals.

  • What you need to know about our testimonials

    Testimonials represent the results of the particular individual and you should not expect the same result because your case is different than everyone else's. Lexington promises only to communicate with creditors on your behalf and in your name, verify report changes with bureaus, and provide you timely information about changes in your reports.

  • How we calculate score improvement

    The credit score improvement calculation was derived from credit scores obtained from TransUnion on behalf of customers that started between 1/1/2019 and 12/31/2019, a total of 983,050 customers, as well as customers that stayed with the program for at least 6 months, a total of 245,174 customers. The score change between the initial credit score, defined as the first score pulled within the initial 15 days of service, and the credit score at six months, defined as the last score pulled between five and seven months of service, were both used in determining score improvement. This larger date range for the final score allows for any fluctuation in dates in which scores were pulled. The average time for all customers between when the initial score was pulled and the final score was pulled was 186 days

    Credit score improvement

    In total there were 108,165 customers that used the service for at least six months that had both an initial and final score within the criteria listed above whose score changes could be analyzed. 70% of the customers analyzed saw a score improvement. 89% of customers (96,726) had an initial credit score in the Poor (<580) or Fair (580 – 669) credit score ranges. The average score increase of these customers was 40 points.

    Ending score

    Average ending score is calculated based on all of the ending credit scores that we had for the customers in the data set regardless of whether they had a starting score or not. The number of customers with an ending score value was 116,095. The average ending score of these customers was 611.85.

  • What you need to know about our editorial content

    The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Information on this website may not be current. This website may contain links to other third-party websites. Such links are only for the convenience of the reader, user or browser; we do not recommend or endorse the contents of any third-party sites. Readers of this website should contact their attorney, accountant or credit counselor to obtain advice with respect to their particular situation. No reader, user, or browser of this site should act or not act on the basis of information on this site. Always seek personal legal, financial or credit advice for your relevant jurisdiction. Only your individual attorney or advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, contributors, contributing firms, or their respective employers.

  • What you should know about our claims

    A 2014 study using previous Lexington clients saw that the average result was 10.2 removals after four months across their three reports. However, some members did not see that result and Lexington makes no guarantee that you will receive that average result.

 

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