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Improve your credit
How it works
The lawyers of Lexington Law will fight to remove negative items from your credit reports, so you can improve your credit score, and start living life without limitations. more

What you get
Along with outstanding client support, their service includes unlimited disputes and deletions. Lexington will not rest until you are satisfied with your credit report results. more

585,214 items deleted in 2004

Testimonials

"My experience with the Lexington Law Firm has been wonderful from beginning to end and the results you achieved are remarkable. It is also noteworthy, that the fee I paid for such superior professional service must be one of the truly great bargains of all time. My warmest best wishes to you all." — R.S., Lexington client


"Thank you for all the wonderful work your staff has done on my behalf. The creditors that I wanted removed are no longer there... I couldn't have done it without you, nor would I ever want to. You and your staff are truly professionals and I bow to you." — C.F., Lexington client



  • What does your score mean?

    • This rating system is meant to develop a snapshot of the risk you currently represent to a lender. Several 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. There are other scores used by lenders and insurance companies (some of which are developed by FICO) such as Application and Behavior scores.

  • Prime, sub-prime, and shafted

    • Prime If your credit score is above 680, you are considered a "prime borrower" and will have no problem getting a good interest rate on your home loan, car loan, or credit card.

      Sub-Prime If your credit score is below 680, you are "sub prime", and will likely pay a much higher interest rate on your loan.

      Shafted Below 560 is the shafted score. At least that is how most lenders and credit issuers perceive it. You can still get a credit card but you will likely be hit with a security deposit or high acquisition fee. In addition to that your interest rate will likely be 22 to 23%. You can forget about most home loans and the majority of new car loans at this score. Below 560 is no place to be. You will pay much, much more in higher interest and unnecessary fees. You may even pay more for your insurance rates. A very low score can even prevent you from getting a job with many companies. If your in this catagory Click Here.

  • How Are Credit Scores Calculated?

    • Since your score is derived from your bureau data, it will change every time your reports change. However your score is calculated, it will always take into consideration many categories of information. No one piece of information or factor determines your score. As the information in your credit report changes, the importance of one or several factors may change in your FICO score. Lenders look at many things when making a credit decision, including your income and the kind of credit you are applying for. However, your FICO score does not reflect these facts as it only evaluates the information retained by the credit reporting agency. To Learn More Click here.

  • What factors affect your credit score?

    • There are five factors which are used to determine your overall credit score.

      Previous Credit Performance

      Current Level of Indebtedness(Amount Owed)

      Amount of Time Credit Has Been In Use (Length of Credit)

      Pursuit of New Credit Each time someone runs a credit check on you, it creates an inquiry.

      Fair Isaac has changed some of its calculations to account for these new trends. Specifically, they treat a group of inquiries - which probably represents a search for the best rate on a single loan - as though it was a single inquiry (note: this only applies to auto or mortgage loan inquiries.) For example, auto loan inquires that are within 14 days of each other only count as one inquiry.

      Types of Credit Experience

      What type of accounts you have, and how many, can make a big difference. The optimal ratio of installment versus revolving accounts depends on your profile and differs from person to person. One factor that seems to have significant influence is your percent of open installment loans. Too many can lower this portion of your score. For more information Click here.

  • Improving your credit score

    • There are five factors which are used to determine your overall credit score.

      Previous Credit Performance

      Current Level of Indebtedness(Amount Owed)

      Amount of Time Credit Has Been In Use (Length of Credit)

      Pursuit of New Credit Each time someone runs a credit check on you, it creates an inquiry.

      Fair Isaac has changed some of its calculations to account for these new trends. Specifically, they treat a group of inquiries - which probably represents a search for the best rate on a single loan - as though it was a single inquiry (note: this only applies to auto or mortgage loan inquiries.) For example, auto loan inquires that are within 14 days of each other only count as one inquiry.

      Types of Credit Experience

      What type of accounts you have, and how many, can make a big difference. The optimal ratio of installment versus revolving accounts depends on your profile and differs from person to person. One factor that seems to have significant influence is your percent of open installment loans. Too many can lower this portion of your score. For more information Click here.