Credit report repair

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The truth @ 75 deletions per hour.
Based on the 90-day period from Jan – Mar these results show we delete roughly 54,000 negative items per month, or 1800 per day, or 75 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.

 

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.

 

  1st Quarter Deletions (Jan – Mar 2005)
Acct in Counseling 356
Acct in Dispute 1001
Bankruptcy 2831
Cannot Locate 56
Charge Off 26767
Civil Claim 174
Closed by Grantor 1484
Collection 42940
Contact Creditor 50
Credit 2522
Foreclosure 703
Garnishment 10
Incl. in Bankruptcy 12312
Judgment 4221
Late Payment 48148
Lien 3016
Lost/Stolen Card 63
Negative 373
Partial Payment 26
Repossession 1167
Settlement Accepted 2888
Q1 Total
151108

 

Q1 2005 Report available for download.
Download the full list of all 151108 deleted items for Jan – Mar 2005. Each listing shows the creditor’s name, the type of negative item, and the date it was deleted. If this doesn’t satisfy your appetite for numbers, we’re not sure what will.
Download Current Report
Q1 2005 | 20.3 MB
Reports prior to 2002 are not available for download

What It Cost

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 $79.00 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. Concord upgrade clients pay $.00 setup and $.00 per month.

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.

Methods of payment.
We accept payments by credit card or by automatic draft from your checking or savings account. The payment method you choose will be used to pay your initial fee of $79.00 within the first fifteen days, and for all subsequent monthly payments as they become due.

No matter which method you choose, rest assured we will take all reasonable precautions to avoid posting unauthorized charges to your credit card or making unauthorized drafts on your bank account. Charges will be posted only on the dates as dictated by your billing cycle, and only in the amount approved by you.

Dishonored payments.
Should a payment be returned dishonored by your bank or credit card company, we will redraft the payment and add a $15.00 late fee. We will continue to draft your account during a 30-day period until payment is received. If your payment has not been received after 30 days your case will be suspended until payment arrangements can be made. Should you wish to change a scheduled payment we require that you notify us at least three business days prior to payment.

 

Why must payments be made by automatic draft or credit card?

Over the years we found that many client payments weren’t coming in on time or sometimes not at all. It became so expensive to collect our fees that we began considering significant price increases. The attorneys decided, instead, to set up all the payments as electronic drafts or credit card drafts. In the final analysis, direct drafts succeeded in reducing late and missed payments and retainer prices did not increase.

What is an electronic transfer?
An electronic transfer works just like a bank debit card. You provide us authorization to withdraw a specific amount from your checking or savings account on a certain date each month. The draft will show on your bank statement just like a debit or ATM card draft.

What if I cannot afford you right now?
If you feel that you cannot afford our retainer fees at this time, we recommend you revisit the matter once you have successfully balanced your budget. Our services are designed to help those who have passed through credit problems in the past and who have inaccuracies on their credit reports.

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