topic Re: Getting away from Lexington Law. in Rebuilding Your Credit

Getting away from Lexington Law.

flashflamingo — Sat, 29 Sep 2012 01:02:46 GMT

Last month I hired Lexington Law to clean up the collections and negative accounts on my reports. As of now, a few things have fallen off of my report but a few creditors didn't respond to the letters. Now those accounts are in "Validation Demand" mode according to LL. I would really like to cancel my LL membership, but should I considering that they are taking care of those creditor interventions? What should I do?

Re: Getting away from Lexington Law.

XxRaVeNxX — Sat, 29 Sep 2012 01:08:42 GMT

You are paying people for something that you could have done....I don't even know what 'validation demand mode' is....

Re: Getting away from Lexington Law.

Shogun — Sat, 29 Sep 2012 01:23:18 GMT

XxRaVeNxX wrote:
You are paying people for something that you could have done....I don't even know what 'validation demand mode' is....

+1 Never head of that. But I think it's better to do it yourself vs. have someone else to do it. First off it educates you more on your finances, you learn where you messed up and won't do it again.

You can learn and do everything here for yourself. I'm not putting down LL, just stating that you have more rights doing it for yourself than they do doing it for you.

Re: Getting away from Lexington Law.

flashflamingo — Sat, 29 Sep 2012 01:32:35 GMT

If I were to call them tomorrow and cancel (which is what I would MUCH rather do), what would be my next step? Three creditors didn't respond to debt validation requests.

Re: Getting away from Lexington Law.

Shogun — Sat, 29 Sep 2012 01:34:29 GMT

They don't have to. Leave off any personal information and post them here. We will help you do whatever needs done. :)

Re: Getting away from Lexington Law.

flashflamingo — Sat, 29 Sep 2012 01:44:58 GMT

My negatives are as follows:

Wfnnb/Vs	8/2008	$21	Bad debt/collection	Details
Hsbc/Bstby	6/2008	$0	120+ days past due	Details
The Buckle	8/2008	$0	Bad debt/collection	Details

Us Bank

3/2008

$663

Bad debt/collection

The Wfnnb/vs and the Buckle are paid. US bank didn't respond to the validation request. HSBC, meh, don't even know what to do with that one. I also have two collections from Enhanced Credit Recovery and Credit Protection Assocation, both under $100.

Re: Getting away from Lexington Law.

Shogun — Sat, 29 Sep 2012 02:16:18 GMT

what are those dates for? Day opened? DOFD? Have you pulled your reports from annualcreditreport.com? They give more information.

You should send GWs to these if paid. See what they say.

The US Bank. Is it paid? If not have you tried a PFD?

The 2 that are under $100, have you paid them already?

Re: Getting away from Lexington Law.

flashflamingo — Sat, 29 Sep 2012 02:33:07 GMT

Date opened. I can try GWs to the WFNNB and Buckle cards. My plan is to save the money I would have used on LL to attempt to PFD US Bank in a few months. I'm planning on paying Credit Protection Association with my next paycheck. When LL challenged Enhanced Credit Recovery on Experian and TransUnion they fell off, so I am wondering if the same could hold true with Equifax.

Re: Getting away from Lexington Law.

Shogun — Sat, 29 Sep 2012 02:36:47 GMT

flashflamingo wrote:
Date opened. I can try GWs to the WFNNB and Buckle cards. My plan is to save the money I would have used on LL to attempt to PFD US Bank in a few months. I'm planning on paying Credit Protection Association with my next paycheck. When LL challenged Enhanced Credit Recovery on Experian and TransUnion they fell off, so I am wondering if the same could hold true with Equifax.

It could fall off with EQ. And saving that money to PFD US Bank is a great idea!

Re: Getting away from Lexington Law.

CadillacMack — Tue, 02 Oct 2012 00:33:26 GMT

Whats your update???????????????

Re: Getting away from Lexington Law.

RobertEG — Tue, 02 Oct 2012 09:59:54 GMT

What in the world is "validation demand mode?"

I presume they mean debt validation letters.

DV letters are sent only to debt collectors, not to creditors, so I have no idea how they apply to issues with the creditors.

Additionally, DV letters arent demands, they are a process whereby you can, if timely sent, require cessation of collection activities by a debt collector until they choose to provide validation of the debt. And unless sent within 30 days of their dunning notice, they do not even invoke a cease collection bar.

DVs must come from the consumer, not a credit repair organization.

Sounds like a high-fallutin' smoke intended to make you feel they have more to offer, and has little if any relationship to any issues of credit reporting or CR deletion.

Re: Getting away from Lexington Law.

westo12 — Tue, 09 Oct 2012 15:33:27 GMT

I've seen a few folks here get PFD's with Enhanced Recovery.