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Lexington Law is the largest and most trusted credit report repair firm in America. If you have collection problems, late payments, or other negative credit problems, put the experts to work for you.

Don't hide from your credit problems - Fix them!  Improving your credit can free you from high interest rates, and save you thousands of dollars.

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4 Major Categories Of Information On Credit Reports

Merchant Trade Lines

Any form of credit that you have been given can be included here -  credit lines such as department store cards, auto loans, mortgages, and credit cards. If there is any history of late payment, or if the trade line was included in bankruptcy, charged off, or put into repossession, the listing will be considered negative by all credit grantors in the future.

Collection Accounts

Any account referred to collections because of delinquency or because of a bad check appears on the credit report as a collection account. Collection accounts can appear as paid or unpaid accounts. Any type of collection account, whether paid or not, is considered very negative by all credit grantors.

Public Records

Public records include bankruptcies, judgments, liens, satisfied judgments, and satisfied liens. All court records, including satisfactions, are considered negative by all credit grantors.

Credit Inquiries

Every time a potential credit grantor looks at your credit file, a credit inquiry appears on at least one of your credit bureau reports. If the number of inquiries is very few over the last two years, then usually there are no negative effects on your credit worthiness. However, if there are many recent inquiries showing on your credit report, credit grantors may become nervous and deny you credit.

Learn More:  How Long Will Negative Information Stay On A Credit Report?

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