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Your new TLs and inquiries lowered your score.You scores will come back as your average age of acounts improve and after a year your inquiries aren't figured into your credit score after 2 years they are removed. Creditkarma is a fako score and doesn't figure in closed accounts. Hopefully you got cards you will use. From what I have read you would be better off in the rebuilding forum trying to remove your bad accounts than wasting money with Lexington Law.
As you read more of the Fico forums you will realize that it only takes 3 cards to improve your credit.
Good Luck with your credit journey.
A couple comments...
Credit Karma scores are not FICO scores. You will have to ask them why their scores are dropping. You can get your FICO scores here.
You should consider fixing your credit reports yourself and forget paying Lexington EVERY MONTH (what incentive do they have to fix things?).
Having "more positives than negatives" doesn't remove the hit from the negatives. You need to address the negatives and be patient (again, better to do this yourself, IMO). And remember it could take years for your scores to rebound if you cannot get your reports cleaned up..
@Middleswarth wrote:Having "more positives than negatives" doesn't remove the hit from the negatives.
It doesn't but if the positive factors outweigh the negatives then the net impact is positive. However, that's certainly not the case for the OP if the OP is seeing drops.
@Anonymous wrote:
Is this just temporary and the new accounts will help me in the long run?
They can with responsible usage but eliminating derogs will have a bigger impact than adding new accounts or trying to dispute inquiries. Derogs are killing your Payment History, 35%. Inquiriies (New Credit) are only 10%.