topic Re: Can you app after 1st signing up w/ Lexington Law? in Credit Cards

Can you app after 1st signing up w/ Lexington Law?

sbeasl11 — Fri, 22 Feb 2013 13:22:52 GMT

Considering giving Lexington Law a chance to get a clean up my last 4-5 stubborn baddies. Can a person still app during this process?

Re: Can you app after 1st signing up w/ Lexington Law?

distantarray — Fri, 22 Feb 2013 14:17:35 GMT

just be warned you'll be wasting your money, it's much better to take your bet on a 8 year old with the internet imo. people accidently recieved letters they were supposed to send to the creditors. The letters go along the lines of "HOW DARE YOU SUBMIT DERROGATORY ITEMS ABOUT MY CLIENT, REMOVE IT OR FACE THE CONSENQUENCES!"

they really don't know what they're doing. just send a debt validation certified mail return receipt. It was personally a $600 mistake and they didn't remove 1 single thing. After i sent 1 DV I had half my stuff fall off. They do more harm than good. Because of their ridiculous letters they repeatedly send out they can mark disputes as frivilous and never look into legitimate reasons.

ask about it at creditboards they'll all tell you the same. Creditboards is who helped me get from 400's to 760's

Re: Can you app after 1st signing up w/ Lexington Law?

distantarray — Fri, 22 Feb 2013 14:28:18 GMT

Forgot to mention the items will be in dispute if you use lexington for a while, if you app during those times many lenders ignore your app because it artificially inflates your fico score. (does not factor in disputed accounts) so if you had 3 bad items and disputed those 3 items you'll have a the scores you would have if those items didn't exist. pre-2006-2007 this was a trick mortgage lenders used too much and exploited.

Re: Can you app after 1st signing up w/ Lexington Law?

sbeasl11 — Fri, 22 Feb 2013 21:03:13 GMT

Wow, thanks for sharing. The only reason I considerd them is my baddies left are paid charge offs from Cap One & HSBC. I have read that GW are almost impossible with them. I also have a paid jusgement & all of this is from 2010, so it's not falling off anytime soon. Good to know that they don't always help.

Re: Can you app after 1st signing up w/ Lexington Law?

IrishPM — Fri, 22 Feb 2013 21:40:25 GMT

For what it's worth, Lexington Law helped me with my credit issues about 6 years ago. However, I don't endorse them nor would I say their company is a one size fits all fix to whatever ails your credit. If you have old accounts with negative information and you know the information is inaccurate, by all means try disputing it first with the credit agency first. All it takes is persistence. What helped me was I knew I had 5 negative items on my reports that were really old and they stayed on top of it for me month in and month out and got them all removed. My scores went from mid-500's to high 600's in about 6 to 8 months.

Re: Can you app after 1st signing up w/ Lexington Law?

toppers555 — Fri, 22 Feb 2013 23:31:28 GMT

I'll chime in as I have used them. They were fine with me as I knew they were not a magical pill and they were simply writing letter I could write myself if I had time.

Re: Can you app after 1st signing up w/ Lexington Law?

myjourney — Fri, 22 Feb 2013 23:44:34 GMT

Save the money in case you need to PFD IMO

Re: Can you app after 1st signing up w/ Lexington Law?

distantarray — Sat, 23 Feb 2013 00:39:16 GMT

@myjourney wrote:
Save the money in case you need to PFD IMO

PFD is a last resort not a first one. DV, 623, disputes to bureaus, complaints to Attorney general, BBB, CFPB it's all crazy in the end. The chances are if you look close enough to your credit reports from annualcreditreports.com and get the PAPER COPIES MAILED TO YOU. if you comb through it enough you can find all the things you need on your report to forcibly delete anything from my experience. Why? because they all broke the law in one way or another.

Picture above is my progress in fixing my own credit. Lexington didn't remove anything, first round of disputes I removed half.

Re: Can you app after 1st signing up w/ Lexington Law?

myjourney — Sat, 23 Feb 2013 00:39:57 GMT

@distantarray wrote:
@myjourney wrote:
Save the money in case you need to PFD IMO
PFD is a last resort not a first one. DV, 623, disputes to bureaus, complaints to Attorney general, BBB, CFPB it's all crazy in the end. The chances are if you look close enough to your credit reports from annualcreditreports.com and get the PAPER COPIES MAILED TO YOU. if you comb through it enough you can find all the things you need on your report to forcibly delete anything from my experience. Why? because they all broke the law in one way or another.

True thats why i said in case.....Lol

Re: Can you app after 1st signing up w/ Lexington Law?

distantarray — Sat, 23 Feb 2013 00:43:54 GMT

@myjourney wrote:
@distantarray wrote:
@myjourney wrote:
Save the money in case you need to PFD IMO
PFD is a last resort not a first one. DV, 623, disputes to bureaus, complaints to Attorney general, BBB, CFPB it's all crazy in the end. The chances are if you look close enough to your credit reports from annualcreditreports.com and get the PAPER COPIES MAILED TO YOU. if you comb through it enough you can find all the things you need on your report to forcibly delete anything from my experience. Why? because they all broke the law in one way or another.

True thats why i said in case.....Lol

true didn't read that part lazy just got off work posting on myfico scratching my balls with tiger balm

Re: Can you app after 1st signing up w/ Lexington Law?

myjourney — Sat, 23 Feb 2013 00:45:11 GMT

Lol rest up its the weekend

@distantarray wrote:
@myjourney wrote:
@distantarray wrote:
@myjourney wrote:
Save the money in case you need to PFD IMO
PFD is a last resort not a first one. DV, 623, disputes to bureaus, complaints to Attorney general, BBB, CFPB it's all crazy in the end. The chances are if you look close enough to your credit reports from annualcreditreports.com and get the PAPER COPIES MAILED TO YOU. if you comb through it enough you can find all the things you need on your report to forcibly delete anything from my experience. Why? because they all broke the law in one way or another.

True thats why i said in case.....Lol
true didn't read that part lazy just got off work posting on myfico scratching my balls with tiger balm

Re: Can you app after 1st signing up w/ Lexington Law?

dddfresh — Sat, 23 Feb 2013 01:37:39 GMT

I paid almost $100/month for nine months, and nothing got removed. I agree that you can save a lot of money and write letters yourself. In their defense, all my negatives are legitimate.

Re: Can you app after 1st signing up w/ Lexington Law?

dddfresh — Sat, 23 Feb 2013 01:38:32 GMT

I paid almost $100/month for nine months, and nothing got removed. I agree that you can save a lot of money and write letters yourself. In their defense, all my negatives are legitimate. There are cheaper options for sure

Re: Can you app after 1st signing up w/ Lexington Law?

RSCo — Sat, 23 Feb 2013 02:23:26 GMT

@distantarray wrote:
just be warned you'll be wasting your money, it's much better to take your bet on a 8 year old with the internet imo. people accidently recieved letters they were supposed to send to the creditors. The letters go along the lines of "HOW DARE YOU SUBMIT DERROGATORY ITEMS ABOUT MY CLIENT, REMOVE IT OR FACE THE CONSENQUENCES!"

they really don't know what they're doing. just send a debt validation certified mail return receipt. It was personally a $600 mistake and they didn't remove 1 single thing. After i sent 1 DV I had half my stuff fall off. They do more harm than good. Because of their ridiculous letters they repeatedly send out they can mark disputes as frivilous and never look into legitimate reasons.

ask about it at creditboards they'll all tell you the same. Creditboards is who helped me get from 400's to 760's

Wow.. thats awesome.. So what does a debt validation letter actually do that makes them remove your stuff?

Re: Can you app after 1st signing up w/ Lexington Law?

RSCo — Sat, 23 Feb 2013 02:35:45 GMT

@distantarray wrote:
just be warned you'll be wasting your money, it's much better to take your bet on a 8 year old with the internet imo. people accidently recieved letters they were supposed to send to the creditors. The letters go along the lines of "HOW DARE YOU SUBMIT DERROGATORY ITEMS ABOUT MY CLIENT, REMOVE IT OR FACE THE CONSENQUENCES!"

they really don't know what they're doing. just send a debt validation certified mail return receipt. It was personally a $600 mistake and they didn't remove 1 single thing. After i sent 1 DV I had half my stuff fall off. They do more harm than good. Because of their ridiculous letters they repeatedly send out they can mark disputes as frivilous and never look into legitimate reasons.

ask about it at creditboards they'll all tell you the same. Creditboards is who helped me get from 400's to 760's

Hi, forgot to ask, do you also have any suggestion on how to get them to remove 2 medical collections that were paid in full but they refuse to remove? Thanks.. I had no idea about debt validation letters until you outlined it here.. That's awesome..

Re: Can you app after 1st signing up w/ Lexington Law?

dabrian — Sat, 23 Feb 2013 14:52:34 GMT

Save your money.

Re: Can you app after 1st signing up w/ Lexington Law?

LS2982 — Sat, 23 Feb 2013 15:05:06 GMT

I used them 2 yrs ago for about 6 months and they were successful in removing pif collections. It takes time, and IMO can be done on your own. If its something you'd rather pay someone to do that is your choice.

Re: Can you app after 1st signing up w/ Lexington Law?

toppers555 — Sat, 23 Feb 2013 15:18:14 GMT

@LS2982 wrote:
I used them 2 yrs ago for about 6 months and they were successful in removing pif collections. It takes time, and IMO can be done on your own. If its something you'd rather pay someone to do that is your choice.

+1 I had no issues with their services. Again it all depends upon you understanding exactly what you are paying for. They are not some magically credit repair wizard.