topic Re: Lexington Law-Need success stories in Rebuilding Your Credit

Lexington Law-Need success stories

Anonymous — Thu, 08 Mar 2012 23:43:54 GMT

I hored them today because I can't handle the stress of dealing with Collection Agencies and Creditors. Looking for some feedback for those that have used Lexington Law.

Re: Lexington Law-Need success stories

Anonymous — Thu, 08 Mar 2012 23:56:33 GMT

The conseses will say that everything they can do for you, you can do yourself. Me personally, I don't have the time nor the patience to deal with it all which is why I used LL. Actually, I just cancelled my membership today because it's been close to a year now since I signed up and I am at a stale mate with my remaining negatives. I started out with a score of around 500, currently I am at where my signature says I am. Took me a year to get there with LL. Charge offs, collections, and a judgment was what they helped get off of my report. I am currently in the rebuilding stage and I applied for a secured CC with my local credit union and got one. I thought ah what the hey, and I applied for a Capital One unsecured card and was a accepted with a $500 limit. I was a ecstatic to say the least. My advice, if you have the time and patience, then save your money and do it yourself. If you want someone else to do the work for you, then by all means hire LL.

Re: Lexington Law-Need success stories

r1lukasz — Thu, 08 Mar 2012 23:57:02 GMT

I hire them too like 2-3 years ago, long story short after one year and about 600-700 $ spend on them got one collection out of 2 from experian deleted. funny thing is I clean up all my negative items from cr in one month for free!!! Keep your money you can do this yourself or if you have too much you can send to my paypal account.

Re: Lexington Law-Need success stories

Anonymous — Fri, 09 Mar 2012 00:48:30 GMT

I will admit that before joining this forum, I signed up for their services, and I feel like they have served their purpose AND cost me a pretty penny! If I would have known about this forum before joining, I could have saved a substantial amount of $. Fast forward six months after joining their program, I feel like they have done all they can for "MY" situation and I do plan to cancel their services at the end of this month! I TOTALLY AGREE with everyone that YOU CAN DO exactly what they do and probably better. I have seen some of their so-called correspondence and boy it looks like 3rd grade homework but whatever they did for me WORKED, and their payday is just about over...

Re: Lexington Law-Need success stories

Anonymous — Fri, 09 Mar 2012 12:27:57 GMT

My personal view is that your bad marks are legitimate, working on it yourself will be more effective. Goodwill gestures (such as GW removals and PFDs) are more likely to be accepted if you personally reach out to companies than if a lawyer sends things on your behalf, which seems threatening. I'm sure a lot of these companies are also used to dealing with LL on a regular basis. Again, just my opinion, but I would rather save my money to pay off my debts (or buy myself something nice or whatever) than pay someone else to do something I can do myself.

I am curious though for those of you who used LL. How much do they charge? How do they charge, ie monthly, per correspondance, per tradeline, etc? I considered hiring them before I dove in myself.

Re: Lexington Law-Need success stories

Repo-ed — Fri, 09 Mar 2012 12:46:52 GMT

I had nothing but GREAT success with Lexington.

My only regret? Cancelling their services once all my baddies had been removed by them. I got in on them with a great price and should have just kept them on stand-by.

Re: Lexington Law-Need success stories

Anonymous — Fri, 09 Mar 2012 15:07:26 GMT

It's 59 a month

Re: Lexington Law-Need success stories

randaljon — Sat, 10 Mar 2012 10:48:10 GMT

Why pay strangers a monthly fee with your personal info when you can do it yourself? I went from 540s to 670s in a little over a year.

I just wish I would of spent a couple months studying hard before I acted. I would probably be over 700 by now.

Re: Lexington Law-Need success stories

Anonymous — Sun, 11 Mar 2012 01:50:11 GMT

I have not used them personally but heard that they did a good job from a friend who did. I used a different company and got great results. Many people here will tell you to just do it yourself. I choose to pay someone else because I knew that I did not have the time or patience for it. I paid much more thatn Lexington charges and still have 0 regrets! Good Luck!

Re: Lexington Law-Need success stories

LS2982 — Sun, 11 Mar 2012 01:55:26 GMT

@doddo72 wrote:
I hored them today because I can't handle the stress of dealing with Collection Agencies and Creditors. Looking for some feedback for those that have used Lexington Law.

I think thats a typo,,,,,

I had them for 1o months and they really helped me out, just cancelled them last month.

Re: Lexington Law-Need success stories

Anonymous — Fri, 06 Apr 2012 05:36:18 GMT

@LS2982 wrote:
@doddo72 wrote:
I hored them today because I can't handle the stress of dealing with Collection Agencies and Creditors. Looking for some feedback for those that have used Lexington Law.

I think thats a typo,,,,,

I had them for 1o months and they really helped me out, just cancelled them last month.

I'm planning to use them too as time is what I don't have. Ls, how did they help you out? Increas your score much? How many baddies did they remove?

Re: Lexington Law-Need success stories

Anonymous — Fri, 06 Apr 2012 13:00:55 GMT

3 items removed in the first month so far.

Re: Lexington Law-Need success stories

Anonymous — Fri, 06 Apr 2012 13:45:28 GMT

You'll read mixed results.

I learned a lot more cleaning up my own mess. It probably took a little longer but I definitely feel a greater sense of accomplishment than could have ever come from paying someone else and will never make the same mistakes again.

Re: Lexington Law-Need success stories

Student_Loans_Kill — Sat, 14 Apr 2012 19:05:24 GMT

@randaljon wrote:
Why pay strangers a monthly fee with your personal info when you can do it yourself? I went from 540s to 670s in a little over a year.
I just wish I would of spent a couple months studying hard before I acted. I would probably be over 700 by now.

They are more efficient, have more experience, and I can make more money working then tracking letters, running off to the post office to cmrr a million letters

Re: Lexington Law-Need success stories

MarineVietVet — Sat, 14 Apr 2012 19:24:01 GMT

@Student_Loans_Kill wrote:

They are more efficient, have more experience, and I can make more money working then tracking letters, running off to the post office to cmrr a million letters

And they often engage in unethical credit repair tactics such as disputing all negatives whether they are actually considered inaccurate or not,

Re: Lexington Law-Need success stories

Student_Loans_Kill — Sat, 14 Apr 2012 19:31:28 GMT

@MarineVietVet wrote:
@Student_Loans_Kill wrote:

They are more efficient, have more experience, and I can make more money working then tracking letters, running off to the post office to cmrr a million letters
And they often engage in unethical credit repair tactics such as disputing all negatives whether they are actually considered inaccurate or not,

If I had a little mod tag, I would change that statement to read, they allow the consumer to CHOOSE an unethical approach to credit repair.... I have student loan marks, those tactics will not work. http://www.bills.com/lexington-law-review/

Re: Lexington Law-Need success stories

MarineVietVet — Sat, 14 Apr 2012 19:39:42 GMT

@Student_Loans_Kill wrote:

If I had a little mod tag, I would change that statement to read, they allow the consumer to CHOOSE an unethical approach to credit repair.... I have student loan marks, those tactics will not work. http://www.bills.com/lexington-law-review/

If you will do a search of the many posts about LL you'll find out exactly how they really operate.

We will agree to disagree about their tactics.

Re: Lexington Law-Need success stories

marty56 — Sat, 14 Apr 2012 22:13:00 GMT

Ironically I found out about them while being a member of this forum. I few years ago I am ashamed to admit I was tempted to use them for my unfair but valid BofA derogs, but my scores were good enough to get what I needed and deep down I felt it was wrong.

My LL sucess story - I didn't use them and I gald I didn't. That to me is success.

Re: Lexington Law-Need success stories

Anonymous — Sat, 14 Apr 2012 22:02:54 GMT

The client tells Lexington law what items they want to dispute on the credit reports. They also do goodwill letters for the debts that you did become delinquent on. I think it's all up to the client being honest of what items need to be disputed and why.

Re: Lexington Law-Need success stories

marty56 — Sat, 14 Apr 2012 22:17:50 GMT

If you are looking to use them for GW, please post who you are trying to get the GW with, or at least check here to see the success rates here.

I have never seen LL advertise that they can get GWs with say BofA or Ford Motor credit and I haven't seen anyone post in the forums here that they were.