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Congrats
I have been using LL since 11/2012.
I started with the following:
TU 4 negatives
EQ 4 negatives
EX 7 negatives
Now...
TU 4 removals
EQ 0 removals
EX 0 removals
(I think they have some aggreement with TU)
My overall Fico went from 580 to 660 in 2 months.
It's been 2 and 1/2 months since signing up, started with $99 per mo now dropped down to $59 per mo for the basic service.
Bottom line is, I think it's definitely worth the $$ if you need removals.
QuertyDirect-
TU is the fastest to remove and more than likely LL has not updated their files with EX and EQ. I suggest you subscribe to EX.com, it is 17.95 a month BUT if you call EX and ask they will give it to you for 8.97 a month at which point you can veiw all 3.. Scores and all. No matter what anyone says those scores are accurate. I just had my credit pulled for a mortgage and it matched up EXACTLY.
I started with LL Dec of 2011, 27 negative items, 3 judgments, mostly medical. Today I have NOTHING and 9 inquirys remOved, granted I did have to do a lot of work on my own, PFD, removing inquiry's etc, but sooo worth it, how LL got those judgments of is a wonder and how they got off so many is incredible.
I am now purchasing my first home, EX-713, EQ-702 and TU-728.. I started at 554 in DEC 2011 as stated above. I started with secured cards .. $300 CL's, this week I responded to a Citibank offer, 18 months no interest, 9.99% after that and cash back..the CL... $6500.00! I am in ahh but nervous I will mess this all up. I hope not. It was too much hard work, very hard work and patience.
By the way, congrats on the removals, watch your mail for your EX report and EQ or use the EX website. If you need the letters to remove inquiry's just pm me and I will type them up for you BUT you can only remove those inquiry's that are incorrect or send GW letters, just an FYI.
Again congrats.
@Lasardo wrote:QuertyDirect-
TU is the fastest to remove and more than likely LL has not updated their files with EX and EQ. I suggest you subscribe to EX.com, it is 17.95 a month BUT if you call EX and ask they will give it to you for 8.97 a month at which point you can veiw all 3.. Scores and all. No matter what anyone says those scores are accurate. I just had my credit pulled for a mortgage and it matched up EXACTLY.
I
I say they are absolutely inaccurate. Any relationship to your actual FICO is purely coincidental. Over 100 points off on my lender pull when I did it.