Can you really remove judgments from your credit report?
Every year, Lexington Law reports the total deletions their clients have from their reports. Let the numbers do the talking:
Last Year, Lexington's Clients
Deleted 28,564 Judgments From Their Credit Reports!
Yes, that's a lot, and that's just for last year! Lexington Law has been perfecting the process for disputing judgments for almost 20 years now. Now they use all that experience for one reason: to help you restore your credit.
Lexington's Average Client
Per client, Lexington's results are remarkable. From a 2006 efficacy study, on average, Lexington Law participating medium-level clients removed 84.5% of their presenting negative items by month 12. These include results for clients trying to remove judgments or any other negative item from all three credit bureaus.
Is this good? It's incredible! Think how your credit would look if you got 84.5% of the "baddies" removed!
How You Dispute Judgments:
Lexington challenges the questionable negative items on your report that are bringing your score down. Does it work? Are you looking to dispute a judgment that's killing your score? Do you think the judgment that showed up on your credit report wasn't fair? Not sure if Lexington Law Firm can help you? See for yourself >
Disputing Judgments is Your Right:
Since Congress passed the Fair Credit Reporting Act to help consumers remove judgments from their credit reports, the credit bureaus have been working to make it more difficult. With almost twenty years of experience, Lexington Law has developed a vast arsenal of tools and strategies >
How Removing Judgments Saves You Gobs of Money:
Credit is a part of our life, like it or not. And the credit companies are doing just fine without you giving them more money than you have to. An unfair judgment will make your credit score plunge, and your interest rates sky rocket. If you don't think investing in your credit is worth it, guess again >
What is a Judgment?
A judgment is a settlement awarded in the favor of a creditor for a delinquent debt by a court-of-law. The judgment will appear on your credit report after you have gone deliquent on the payments for a while, and the creditor has decided it's worth the costs and the time to take the case to court to try and recover the debt.
Of course, the creditor will try to reclaim the debt any way they can, but once the judgment is on your report, it's going to stay on for 7 years, even if you pay it off. There is only one way to get the judgment removed from your credit report: dispute the judgment with the credit bureaus that are reporting it.
An example of a judgment on a credit report:
Disputing a judgment is your right under the Fair Credit Reporting Act. You can do this by yourself, or by using a credit restoration service, like Lexington Law. The credit bureaus don't like doing work they don't profit from, so they've kept on top of stall tactics that keep most consumers from continuing with a dispute if they hit a snag. In the battle to remove judgments, Lexington Law has developed many strategies from their vast years of experience to overcome these tactics.
Once you remove a judgment, your credit score will go up drastically. Of course, the amount varies based on where you get your credit score, what else is hurting your credit score, and where you started in the first place. But one thing's for certain: Deleting a judgment can only help.
Example of the many removed judgments by Lexington Law:
"Thank you so so so much you guys got three items deleted the first try and one of them was a judgment you guys rock. I love you so so much, I know I have a great chance now to obtaining the house of my dreams. Thank you very much."
- Diana, Lexington client
"You all are doing a wonderful job please keep it up!!!!!!!!!!!!! I gradually see my 2 judgments deleting from all credit bureaus. I would eventually love to see accounts that I have paid deleted! Thank you all! It is amazing what you all can do! I will tell others"
- Raymond, Lexington client
"Hello, I just want to say thank you for the great service I have received so far. I have been with you for about ten months now, and it is just amazing how many negative items have been deleted off of my credit reports. Also, thank you for the constant updates and e-mails. Keep up the great work. I am recommending Lexington Law Firm to everyone I know."
- L.K., Lexington client
"Lexington Law has been very efficient and diligent in cleaning up our credit reports and raising our scores. We have recently refinanced our mortgage (our goal) and cut our interest by 4.10%. It was so easy on my part. Thank you very much."
- Victor, Lexington client
