topic Re: Lexington Law - Results so far... in Rebuilding Your Credit

Lexington Law - Results so far...

surfnspy — Sun, 22 Jul 2012 02:39:50 GMT

So, I thought I'd give Lexington Law 90 days to see what they could do. So far, looks promising.

TU deletions - 5/5 (including a judgment from 2008). Starting FICO: 703 : Current FICO: 777

EQ deletions - 3/4 (including a paid collection from 2009). Starting FICO: 695 : Current FICO: 710

EX deletions - 3/4 (including a 60 day late from 2007). Starting FAKO: 690 : Current FAKO: 722

If I can get the judgment removed from EX and EQ then I'll be good to go. They are initiating an escalated campaign on my behalf. I'm crossing my fingers.

I'll let you know!

Re: Lexington Law - Results so far...

Lasardo — Sun, 22 Jul 2012 04:29:48 GMT

Wow your results have been great! I have had a lot of luck with them so far too! Got my TU score from 554 to 709 with nothing left on it, now just for the others, still working on it.

Re: Lexington Law - Results so far...

surfnspy — Sun, 22 Jul 2012 05:15:37 GMT

554 to 709! That's awesome. Less than a month after opening my account with LL, I received a letter from Citibank stating they were removing an item from all 3 CRAs. I was wow'd by that alone but, after learning my judgment from 2008 had been deleted from TU on their first attempt, I asked my girlfriend to pinch me to make sure I wasn't dreaming! It made my day. If they get the judgment from EQ and EX removed drinks are on me!

Re: Lexington Law - Results so far...

Lasardo — Sun, 22 Jul 2012 07:23:59 GMT

Surf and spy, they got 2 judgments off My TU and 1 off EQ, regardless I have none left. ..I should point out that I got my score up by becoming an AU on someones AMEX that alone increased my score 30 points. ~ and I will take you up on those drinks when the time comes!

Re: Lexington Law - Results so far...

jetsfan2012 — Sun, 22 Jul 2012 11:01:21 GMT

How much are you paying lexington for the service?

Re: Lexington Law - Results so far...

Repo-ed — Sun, 22 Jul 2012 14:13:27 GMT

That was going to be my question. Which tier did you go with?

Re: Lexington Law - Results so far...

rootpooty — Sun, 22 Jul 2012 22:39:30 GMT

I believe its 100 a month. thats what they quoted me and i believe it comes with some perks like report monitoring and might (dont quote me on might) come with scores. I decided not to go with it cause I came accross this forum and browsed this section day and night and realized i could do everything myself if i stay persistant

Re: Lexington Law - Results so far...

surfnspy — Mon, 23 Jul 2012 01:43:29 GMT

I signed up for the $79.95 per month deal. I should point out that the first month is $99.95.

It's true I COULD do all this myself but, it was important enough to me to have a company that specialized in this type of work do the heavy lifting. My I would have gotten the same results as them, maybe not. I'm just glad things are happening.

I've heard some have had difficulty connecting with LL staffers but, my experience has been great! The paralegal gals are beyond helpful and pleasant and really understand how this stuff works and are happy to educate you along the way.

Hope this helps.

Re: Lexington Law - Results so far...

ElDiablo — Mon, 23 Jul 2012 01:52:19 GMT

Hello everyone,

So far LL has removed 2 of 4 items on TU. 1 of 4 on EQ and 1 of 4 on EX. I have their concord service and it is the $99 plan.

Re: Lexington Law - Results so far...

rootpooty — Mon, 23 Jul 2012 02:12:03 GMT

interesting, im actually considering contacting them regarding my gf's reports. we've been together awhile now but she has like 20 something derogs on each report. mostly medical but still thats alot

Re: Lexington Law - Results so far...

Lasardo — Mon, 23 Jul 2012 04:47:10 GMT

I started with 27, 2 of which were not medical and 2 judgements on EX - .8 out of 27,TU - 0 left out 17 (2 judgements) and EQ -
5 left out 18... I am over the top with my results .(TU score 708 from 554) . I was told by LL medical is the easiest to remove. ,~
Good luck

Re: Lexington Law - Results so far...

rootpooty — Mon, 23 Jul 2012 04:56:12 GMT

congrats on your removals. yeah with my experience medical bills are the easiest to remove. however she got into a car accident 4 yrs ago and had no health insurance and has about 35-40k worth of medical bills in collections. so it will be interesting to figure this one out. im not poor but ill get it figured out

Re: Lexington Law - Results so far...

Repo-ed — Mon, 23 Jul 2012 11:36:19 GMT

Great work everyone.

Regardless of being able to do it yourself. If you are able to afford the position to have somebody elese do it, that's a-ok.

Re: Lexington Law - Results so far...

Duncanrr — Mon, 23 Jul 2012 15:43:42 GMT

I may see if they can work on my Cap1, Verizon and my PFD's that were supposed to be processed but still reporting on EQ. I'll work on SM as its a sensative tradeline but I may delegate some leg work on others to them...not sure yet.

My ego wants to say I did it all by myself :)

Re: Lexington Law - Results so far...

westo12 — Mon, 23 Jul 2012 19:26:41 GMT

Just curious: Are these paid items (Charge offs, collections, etc) that are reporting correctly/incorrectly? I guess it just sounds too good to be true for me. I've been doing a lot of my own cleanup work, but I have about 6 major derogs ALL paid that I know are holding my score down right now.

Re: Lexington Law - Results so far...

ElDiablo — Mon, 23 Jul 2012 21:57:12 GMT

Duncan,

A CAP1 settlement was the first item they removed. They also removed a ford motor credit charge off. TU was the first to delete these items.

Re: Lexington Law - Results so far...

ElDiablo — Mon, 23 Jul 2012 23:29:50 GMT

my charge offs and settlement were paid.

Re: Lexington Law - Results so far...

jetsfan2012 — Mon, 23 Jul 2012 23:33:11 GMT

100 a month seems steep but I guess if you see results then its worth it

Re: Lexington Law - Results so far...

ccb2115 — Tue, 24 Jul 2012 00:58:09 GMT

I only have one negative on my account ---a Bloomingdales chargeoff (a chargeoff that should fall off in February 2013). It's accurate though, so I am not sure if LL could help me. I am wondering if I should just pay the 100 bucks and see what they can do in a month. If Bloomys doesn't budge, which they havent for me, then i'll cancel. I'm also worried that having Lexington dispute a bunch with them will mess things up and it will end up not falling off in February. Is that possible?

Re: Lexington Law - Results so far...

MarineVietVet — Tue, 24 Jul 2012 04:42:37 GMT

ccb2115 wrote:
I only have one negative on my account ---a Bloomingdales chargeoff (a chargeoff that should fall off in February 2013). It's accurate though, so I am not sure if LL could help me. I am wondering if I should just pay the 100 bucks and see what they can do in a month. If Bloomys doesn't budge, which they havent for me, then i'll cancel. I'm also worried that having Lexington dispute a bunch with them will mess things up and it will end up not falling off in February. Is that possible?

Then there is no basis for a dispute. Only information you truly believe to be incorrect should be disputed.