Fixing credit
Credit industry
Negative items
Understanding credit
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.
The average removals per client was calculated by using all removals that happened between 1/1/2024 and 12/31/2024 divided by all customers that saw a removal during 2024, regardless of how long they had been a customer. They could have signed up before 2024 or during the year, but only removals during the year were counted. The average number was 5 removals.
An internal analysis was conducted using Lexington Law Firm client records to evaluate the percentage of negative items removed from TransUnion credit reports. The study reviewed Premier Plus clients active between January 1, 2023 and December 31, 2023. “Moderately damaged” credit was defined as having 4 or less negative items at enrollment; “severely damaged” referred to those with 5 or more. Data was averaged by month of service and categorized by credit severity. Statistical outliers were removed. Results are averages and not predictive of individual outcomes.
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.
In order to calculate the average score improvement for customers starting in 2022, we first pulled in customers that had a service start date between 1/1/2022 and 12/31/2022, were online, not a care product and were either still open or were with the services for at least 6 months. This was 25,596 customers for 2022.
In pulling customer credit scores, there are a couple of criteria applied. For the initial credit score, only scores that are pulled within 15 days of their start date are used. For the ending credit score, the customer must have a credit score received within 15 days before or after their 6 month mark, with the score that occurred closest to that date being the one used. Of the 25,596 customers that were with the services for at least 6 months, 9,230 had both a starting and ending score that we could use.
The data for these customers was analyzed and we found that 72% of the customers analyzed saw a score improvement. 87% of customers (5,753) had an initial credit score between 301 and 649. The average score increase of these customers was 40 points
An internal analysis was conducted using Lexington Law Firm client records to evaluate FICO® Score changes over time. The study examined clients enrolled between January 1, 2023 and March 31, 2025, comparing initial scores to those pulled at monthly intervals throughout the client’s tenure. Only clients with valid FICO® Scores at defined milestones were included. Scores were grouped into standard FICO® ranges and averaged by cohort. No score outliers were removed, and results reflect aggregated trends—not individual outcomes.
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.