LL allows you to pick which items you want them to dispute and depending on the service level you agree to (the platinum level , I think it's called allows you to do it for all three, whereas the other levels its just one bureau at a time) which bureau they are focused on with something they call the case valet. It will list all your creditors and then there is a drop down that asks if you would like them to verify the information, leave it be, etc etc.
The reason I found it useful was because I kept losing all my certified mail receipts or would forget to send it certified (usually by rushing too fast and not being 100% in my documentation) but this way I know that things are being sent.
A few caveats:
1. They will claim to have successfully removed anything that disappears from your report whether or not they are responsible, which I think is a bit dubious. While I was very careful to monitor what they were doing, I was also gathering documentation for an account that was fraudently opened. When I got all my paperwork in order and submitted it myself to Eq/TU and it was taken off, I got an email from LL very proudly stating that they had removed a major negative account from my report.
2. A lot of the removals are soft removals and LL will go ahead and count each time it is re-added back and removed back as yet another successful removal. Again, not really that big a deal but keep this in mind when people say that they had 40-50 baddies removed. Some of them might very well be the same one that was removed, added back, removed and added back ad nauseum.
3. At some point, every customer reaches a plateau with what LL can do for them and you find that they are just contesting the same old accounts over and over in hopes that someone somewhere misses a deadline or something. In fairness, it's nothing that I haven't seen many collections agencies do as well so it comes down to a battle of the wills. Do you want to sit there and constantly battle them or outsource it?
4. I find the online chat to be extremely helpful, especially when you don't have to wait in line for 30 minutes to talk to a representative. A lot of the free reporting sites or even the monitoring sites won't discuss with you "strategy" but due to legal reasons stick to just reporting on the facts, etc. But sometimes I would have a question about whether or not it would make more sense to go after a $10 debt that was 5 months old or a $500 debt that was 6 years, and in those cases I found the paralegals to be pretty knowledgeable and upfront.
5. LL is not for everyone. It's been said elsewhere, but it really helps people with a certain profile. By that, I guess I mean people with a lot of badies that just don't know where to start or feel overwhelmed by the process in general. In this case they are a good fit, they will help you get organized and set priorities and then, yes, they will shotgun over and over and over, but it did help me feel like there was a light at the end of the tunnnel after not getting anywhere myself and months of trying and no results.
6. They have a plan that they do not advertise called Lex OnTrack. You have to call in and ask for it specifically and not give up until they admit that its available, but for $24.95 a month they will work their magic, but only on one bureau at a time (you can switch as often as you like), and a limited number of creditors per month (I think three). It's a way for people who have gone through the whole process to maintain a good rating, but it can also be used as an entry into the program if you ask nicely.
Hope this helps.
