Established Member
flashflamingo
Posts: 14
Registered: ‎09-18-2012
Getting away from Lexington Law.

Last month I hired Lexington Law to clean up the collections and negative accounts on my reports. As of now, a few things have fallen off of my report but a few creditors didn't respond to the letters. Now those accounts are in "Validation Demand" mode according to LL. I would really like to cancel my LL membership, but should I considering that they are taking care of those creditor interventions? What should I do?

Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012
Re: Getting away from Lexington Law.

You are paying people for something that you could have done....I don't even know what 'validation demand mode' is....

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Getting away from Lexington Law.

XxRaVeNxX wrote:

You are paying people for something that you could have done....I don't even know what 'validation demand mode' is....


+1  Never head of that.  But I think it's better to do it yourself vs. have someone else to do it.  First off it educates you more on your finances, you learn where you messed up and won't do it again.

 

You can learn and do everything here for yourself.  I'm not putting down LL, just stating that you have more rights doing it for yourself than they do doing it for you.  


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Member
flashflamingo
Posts: 14
Registered: ‎09-18-2012
Re: Getting away from Lexington Law.

If I were to call them tomorrow and cancel (which is what I would MUCH rather do), what would be my next step? Three creditors didn't respond to debt validation requests. 

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Getting away from Lexington Law.

They don't have to.   Leave off any personal information and post them here.  We will help you do whatever needs done.  :smileyhappy:


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Member
flashflamingo
Posts: 14
Registered: ‎09-18-2012
Re: Getting away from Lexington Law.

My negatives are as follows:

 

Wfnnb/Vs 8/2008$21Bad debt/collectionThis account has late payments in the pastDetails
Charge AccountHsbc/Bstby 6/2008$0120+ days past dueThis account has late payments in the pastDetails
Charge AccountThe Buckle 8/2008$0Bad debt/collectionThis account has late payments in the pastDetails
       
OtherUs Bank 3/2008$663Bad debt/collection

 

The Wfnnb/vs and the Buckle are paid. US bank didn't respond to the validation request. HSBC, meh, don't even know what to do with that one. I also have two collections from Enhanced Credit Recovery and Credit Protection Assocation, both under $100. 

 

 

 

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Getting away from Lexington Law.

what are those dates for?  Day opened?  DOFD?   Have you pulled your reports from annualcreditreport.com?   They give more information.

 

You should send GWs to these if paid.  See what they say.  

 

The US Bank.  Is it paid?   If not have you tried a PFD?  

 

The 2 that are under $100, have you paid them already?


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Member
flashflamingo
Posts: 14
Registered: ‎09-18-2012
Re: Getting away from Lexington Law.

Date opened. I can try GWs to the WFNNB and Buckle cards. My plan is to save the money I would have used on LL to attempt to PFD US Bank in a few months. I'm planning on paying Credit Protection Association with my next paycheck. When LL challenged Enhanced Credit Recovery on Experian and TransUnion they fell off, so I am wondering if the same could hold true with Equifax. 

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Getting away from Lexington Law.

flashflamingo wrote:

Date opened. I can try GWs to the WFNNB and Buckle cards. My plan is to save the money I would have used on LL to attempt to PFD US Bank in a few months. I'm planning on paying Credit Protection Association with my next paycheck. When LL challenged Enhanced Credit Recovery on Experian and TransUnion they fell off, so I am wondering if the same could hold true with Equifax. 


It could fall off with EQ.  And saving that money to PFD US Bank is a great idea!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Member
CadillacMack
Posts: 26
Registered: ‎09-17-2012
Re: Getting away from Lexington Law.

Whats your update???????????????