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Getting away from Lexington Law.

Community Leader
Epic Contributor

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.

Message 11 of 12
Established Contributor

Re: Getting away from Lexington Law.

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

Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Message 12 of 12