Real movement on real credit files
These are actual reported results from people Lynden has worked with, shown exactly as the bureaus reported them.
566 to 671 on TransUnion.
All three bureaus moved. The gains were not identical, which is exactly what happens in reality, because each bureau holds a separate file and responds to disputes independently.
Started at 566
Started at 563
Started at 562
Sixteen items removed. 72-point average gain.
A file with a lot on it. Four disputes were still open at the point this snapshot was taken, which is the honest picture of work in progress rather than a finished before-and-after.
Started at 553
Started at 537
Started at 510
Items removed
Disputes still ongoing
Average score increase
What these numbers do and do not tell you
They do tell you that inaccurate and unverifiable items come off files when they are challenged properly, and that the effect on a score can be substantial. Collections, charge-offs and duplicate entries made up most of what was removed in both of these cases.
They do not tell you what would happen on your file. Two reports that look similar on the surface can behave completely differently, because the underlying accounts, ages and creditors are different. Anyone who shows you results like these and then promises you the same outcome is telling you something they cannot know.
They also do not tell you how long it took, and that is deliberate. Timelines depend on how each bureau and creditor responds, and quoting an average would imply a predictability that does not exist.
You can do this yourself, for free. The Fair Credit Reporting Act gives you the right to dispute anything on your report directly with each bureau at no cost. Pull all three reports at annualcreditreport.com and start reading. People work with someone for the strategy, not because the right is exclusive.
Want to know what is actually on your file?
Book a call and Lynden will read it with you and tell you plainly what he sees, what is worth challenging, and what is not.