Mega Contributor
Posts: 17,236
Registered: ‎03-19-2007

Re: Getting away from Lexington Law.

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.

Established Contributor
Posts: 563
Registered: ‎07-20-2008

Re: Getting away from Lexington Law.

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

2014 Starting-618, current TU646/EX662/EQ629 (WalTU 4/4,MYFico 3/1, CLI decline ltr) / Ending Goal score: 720 - 25 pos TLs / Baddies: 1 unpd $312 med CA, 5/30 day auto lates in 2yrs /Install Debt: Santander $11k | Springleaf $4k | Revolving Bals/Limit 8535/21974=39%util: Chase 4k | BofA 3k | Kay 3k | Macys 1900 | Barclay 1.5k | Walmart 1.5k | Amazon Store 1.2k | Citi/Goodyear 900 | BML 862 | Emblem 832 | CareCredit 800 | DiscoverIT 800 | Target 700 | CapOne 600 | Chase/AU 500 | VictSec 500 | CapOne 450 | Express 250 | Buckle 250 **Officially in the garden until I get some auto CLI's on my major accts**

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