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| Your Credit Score |
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Your credit score (FICO) is made up of varying parameters in your credit file, including length of credit history, number of open accounts, loans, mortgages, public records, and others are formulated to produce a three-digit score between about 300 and 950.
Usually a lender will use a combination of your credit score with other factors when determining the bottom line: a borrower's potential risk.
Negative Items are the black marks on your credit report that can hurt your credit score.
Negative items can include:
- Late payments
- Judgments
- Tax Liens
- Collections
- Bankruptcies, etc.
Your score determines not only if a lender is willing to lend you money, but your interest rate as well. The only proven way to lower your interest rate is to raise your credit score! To raise your credit score you can dispute your negative items and have those that are unverified removed.
| Interest rates lenders typically offer consumers based on FICO score: |
750-850 |
700-749 |
650-699 |
600-649 |
550-599 |
500-549 |
| 5.5% |
6.0% |
6.5% |
7.5% |
8.5% |
9.5% |
| Percentage of Americans with FICO score: |
| 750-850 |
700-749 |
650-699 |
600-649 |
550-599 |
500-549 |
| 28% |
21% |
16% |
12% |
9% |
5% |
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Learn more on the Lexington web site >>
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| It's Your Right to Dispute! |
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Under the law, you are given the specific right to dispute the negative items on your credit report.
The Fair Credit Reporting Act (FCRA) states that you can dispute items that are:
- Unverifiable
- Inaccurate
- Misleading
If items are not verified by the creditor within 30 days, they must be removed.
When you repair your credit report, your life is impacted in more ways than you might've thought:
- Raise your credit score
- Get approved for credit
- Save thousands in interest
- Pass credit checks for apartments, jobs
- Stop worrying about your credit!
If you would like to read the FCRA for yourself, click here.
Let the numbers do the talking - see how many items we deleted last year: Statistics.
See what our clients have to say about us: Testimonials.
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Common Credit Repair Questions >>
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| Our Statistics: The Real Deal |
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Looking around the industry these days we see an awful lot of hype. We see credit repair services making bold assertions without offering
proof to support their claims.
It's true we make some bold claims ourselves — but we’ve got the numbers
to back them up.
3rd Quarter Deletions (Jul - Sep 2003) |
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| Acct in Counseling |
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259 |
| Acct in Dispute |
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700 |
| Bankruptcy |
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1,019 |
| Cannot Locate |
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209 |
| Charge Off |
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12,556 |
| Civil Claim |
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83 |
| Civil Suit |
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0 |
| Closed by Grantor |
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4,316 |
| Collection |
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19,391 |
| Contact Creditor |
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75 |
| Credit |
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39 |
| Foreclosure |
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405 |
| Garnishment |
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41 |
| Incl. in Bankruptcy |
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8,304 |
| Judgment |
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1,849 |
| Late Payment |
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21,646 |
| Lien |
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1,432 |
| Lost/Stolen Card |
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162 |
| Negative |
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488 |
| Partial Payment |
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27 |
| Repossession |
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592 |
| Settlement |
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13 |
| Settlement Accepted |
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1,085 |
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| Q3 Total |
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74,692 |
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The truth @ 35 deletions per hour.
Based on the 90-day period from Jul 1 - Sep 30 these results show we delete roughly 25,000 negative items per month, or 830 per day, or 35 negative items per hour — 24 hours a day, seven days a week!
There’s more to this than meets the eye.
We depend on our clients to provide us with copies of their credit reports in order to determine total deletions. Since some clients fail to report back to us
towards the end of their retainer agreement, the actual number of deletions is in fact higher than what we publish here — by as much as 10% according to our own estimates.
The results are amazing, but is it legal?
Yes. Disputing items on your credit report is your explicit right under the Fair Credit Reporting Act (FCRA.) Credit report repair is as legal as pleading “not guilty”
in a court of law. It is entirely within your rights, and the freedom to do so is protected by law.
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Why Lexington? 6 Reasons Here >>
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| Pricing |
In accordance with federal regulation, Lexington charges retroactively for the service it performs. This means you will be billed each month for work performed the previous month.
Your initial payment of $99.00 is due within the first fifteen days and covers the most expensive portion of your retainer: your case setup. We complete this step
prior to drafting your first payment. Each month thereafter you will receive an itemized invoice for work performed the previous month.
The amount of work will vary from time to time, and you will find that we often perform more work than the $39.00 fee covers (but never less work than that.)
Of course, you will not be charged for the additional work. Your monthly retainer fee is fixed at $39.00 and will never exceed that amount.
Note that we offer a warranty of service under which we will refund some or all of your retainer fees
if enough disputed items aren’t deleted to meet our high standards of success.
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Learn more about our warranty >>
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"First and foremost, thank you thank you thank you and thank you!!!!!!! If I wrote a thank you for every negative mark taken off my credit reports, this page would really be long :) I hope this email reaches you in good spirits. THANK YOU FOR DOING YOUR JOB VERY WELL."
— C.R., Lexington client
"You guys did a great job! My beacon score went up 90+ points in less than a year. I went from horrible credit, to marginal to good credit.
We have even purchased a house and went with a conventional mortgage."
— K.D., Lexington client
"I must say out of all the credit restoration companies I could have chosen, I am truly lucky to have found you guys."
— T.C., Lexington client
"I wanted to take a moment to say thanks for your diligent work on my behalf. Because of your efforts, my credit score has increased by more than 200 points!!! Keep up the GREAT WORK!! Thank you very much."
— C.M., Lexington client
"WOW!! The service with you guys is unbelievable! Thanks for all your help. You guys are helping me build a better future. Thanks."
— M.W., Lexington client
"Thank you for your help... You guys are doing a great job - the investment in your service is the best decision I've made. "
— L.D., Lexington client
"Thanks so much for the reply. I am so impressed by your incredible attention to the customer. Retaining your company was the best thing we have ever done. Thanks so much for all the hard work!"
— J.W., Lexington client
"I know you must get millions of e-mails, but I want to quickly let you know how much I appreciate the report I received, and the also the note from you. Since we spoke, I have received the most prompt response from the credit bureau, and more information for me to use in expediting the process. Thanks for your professionalism and concientious approach to my situation."
— V.P., Lexington client
"First and foremost, thank you thank you thank you and thank you!!!!!!! If I wrote a thank you for every negative mark taken off my credit reports, this page would really be long :) I hope this email reaches you in good spirits. THANK YOU FOR DOING YOUR JOB VERY WELL."
— C.R., Lexington client
"Thank you for the information & the compliment. You have always been so helpful and friendly and I want you to know that I truly appreciate all your hard work."
— J.F., Lexington client
"I just wanted to thank you and tell you that your system is going to be able to put me in a home almost two years earlier than I originally expected to. My credit score has jumped over 60 points in the last 6 months to a very respectable level and now when I apply for a mortgage...I will be able to name my price. So file this e-mail in the happy customer section and I will refer anyone with less than perfect credit to your services it has made a world of difference for me!!!! Thanks again!!!!"
— C.R., Lexington client
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