Case Study: How Anne Raised Her Credit Score Over 200 Points by Deleting Bad Credit


My Story

If you’re struggling with bad credit, you are not alone. A recent study by CFED (Corporation for Enterprise Development) found that 56% of American consumers have subprime credit scores.

However, contrary to popular belief, you don’t have to wait 7 to 10 years to repair your credit. Millions of Americans are repairing their credit each year.

Hello, my name is Anne and this is how I repaired my credit scores by getting negative items DELETED from my credit report. Keep reading to see how you can too!

How I Got Bad Credit

A few years ago, I went through some tough times in my life. I lost my job after the company I worked for went under. The bills piled up and I was unable to make my monthly payments. Eventually, all of my credit card accounts were charged-off and sent to collection agencies.

My life became a nightmare of collection calls and endless harassment from debt collectors. Eventually, I filed bankruptcy and was relieved of my debt, but the damage to my credit scores was already done.

What I Did About It

For years I was denied the chance to own a home, get a new car, or even take a vacation – all because my credit scores were too low for the banks to even consider giving me a loan. Getting turned down for loans over and over was frustrating and embarrassing.

A friend told me about Lexington Law and was ranting and raving about how awesome they were. I was skeptical at first, but after seeing what they did for him, I knew I had to give them a try.

Lexington Law Changed My Life

So, I called (800) 220-0084 to get more information. I spoke with a paralegal that was very knowledgeable and also very helpful. She was great about answering my questions, so I went ahead signed up. Boy, am I glad I did! After about 3 weeks, I started receiving letters from the credit bureaus stating that negative accounts had been removed from my credit reports! (See below.)

Charge Offs Removed from My Credit Report:

Let me just say that paying for a professional to do my credit repair was the best choice I ever made, hands down. The first round of letters they sent got charge offs removed of my credit report, just like that.


Charge offs removed from TransUnion credit report.


I can’t even begin to tell you how grateful I am that I found Lexington Law. I was finally able to purchase my first home and my financial life has been great ever since. My credit scores have improved significantly since there are no longer any negative accounts on my credit report.

Here’s a snap shot of my credit scores:

My Credit Scores

Other Lexington Law Client Testimonials:

“You [client advocate] are probably the most kind and professional person I have EVER have had the pleasure of working with online, or in person for that matter. You are a true asset to your company. If you ever move to Tampa and need a job, I would LOVE to have you in our customer service department.”

— M., Lexington client

“You folks made this credit cleansing experience a pleasant one for me. With regard to how I feel your firm’s services could be improved, I’m not sure I have much to add. The way you folks do business… should be a model to other businesses on how to conduct business on a customer service level… never was I treated with anything less than respect, cordiality, and integrity. Thanks to you and those whom you represent for your professionalism and the services you render us… the public!”

— R.A., Lexington client

Discount for Family Members, Couples, and Active Military!

Lexington Law is now offering $50 off the initial set-up fee when you and your spouse or family members sign up together. The one-time $50.00 discount will be automatically applied to both you and your spouse’s first payment.

Active military members also qualify for a one-time $50 discount off the initial fee.

Frequently Asked Questions About Credit Repair:

What is credit repair?

Otherwise known as “credit report repair”, credit repair is the process of fixing a bad credit report to raise your credit scores. It involves identifying questionable negative information on your credit reports, challenging the information in question, and following up with the credit bureaus and to get the negative information removed from your credit reports.

Is credit repair legal?

Yes! Absolutely! In fact, it is your legal right to dispute items on your credit report under the Fair Credit Reporting Act. The FCRA was originally passed in 1970 and is enforced by the FTC. According to the law, the credit bureaus MUST respond to your disputes in a timely manner. But, the FCRA is just one of a handful of consumer credit laws designed to protect you.

How does credit repair work?

Credit repair works by using the aforementioned laws to hold the credit bureaus responsible. As mentioned above, the law is on your side, and the law requires that the credit bureaus must prove that what they are reporting is accurate. If they can’t prove that it’s accurate within 30 days, then they must remove it from your credit report.

How long does it take to repair credit?

How long it takes to repair your credit depends on your goals, your situation, your strategy and numerous other factors. Everyone has a unique situation, so the length of time that it takes to repair their credit varies greatly.

How can I repair my credit?

When it comes to repairing your credit, you basically have 2 options:

1. You can repair it on your own.

2. You can hire a credit repair company to do the work for you.

We highly recommend repairing it on your own. It’s very important to learn about your consumer rights and the credit laws that govern you. You might be surprised at what you learn and discover that you have many more rights than you thought you did.

However, we understand that if you’re like most people, you may simply not have the time. It takes many hours of research and work that is required to competently repair your credit on your own. It’s extremely important that the credit repair process is done correctly and that’s why we have compiled a list of the best credit repair companies for you.

If you are not 100% sure about what you are doing, it’s much better to hire a professional to take care of it for you. In most cases, you only have one chance to get it right and doing it wrong can hurt your credit scores even more.

Ready to Get Started?

Visit Lexington Law

or Call (800) 220-0084 for a FREE Consultation!