Up 41 Points!! from 584 to 625 Equifax

Anonymous · ‎07-20-2007

3 baddies deleted...only 5 left on EQ....using lexington law,......very satisfied,,,,,,TU 683...EX 633....before lexington law,,,low 500's mid 400's......

MidnightVoice · ‎07-20-2007

Nicely done. Feel good?

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

Anonymous · ‎07-20-2007

Good Job!!!

How long did it take for your score to raise from the mid 400 to where it is now?

Anonymous · ‎07-20-2007

Hey Congrats Good Job, Can you share with the group on how and how long it took.

Anonymous · ‎07-20-2007

Great job!! Did they just fall off due to age or did you send PFD or GW?

Anonymous · ‎07-20-2007

i started using Lexington Law Firm last august 2006....so its been 11 months,,,,,,

my initial stats at that time were the following....lots of duplicates and incorrect comments......

TU - 16 baddies totaled including a public record of a bankruptcy

EQ - 20 baddies totaled including a public record of a bankruptcy

EX - 22 baddies totaled including a public record of a bankruptcy

total 58 baddies!!!!!!!!!!! scores were in the 400and low 500s!!!

over the past 11 months this is what we have

TU - 15 baddies deleted including a public record bankruptcy (4 years before it's suppose to be deleted) - 1 baddie left - new score 683 - after that one baddie drops score will be over 700..within 30 days

EX - 14 baddies deleted- have 8 left,,,,, have 7 baddies and a public record bankruptcy to go.....2-3 months score will be 700+

EQ - 15 baddies deleted - 5 left - new score 683 - have 4 baddies and a public record bankruptcy to go...2-3 months score will be 700+

i am not affiliated with Lexington Law,,,,,,i was skeptical but they really make it easy,,,plus their log on area on the www is awesome.....if u have the extra $59 a month....its worth it

44 baddies deleted!!!!!!! in only 11 months

i took the 1st credit cards we could get after the banruptcy...that was 2+ years ago...the rates sucked and limits low,,,,but within 6 months the limits are Cap-one $4500 (initially $500)...HOusehold $700 (initially $300)......Providian $4200 (originally $500) ....Merrick $2000 (originally $500)...so within 2 years our total limits are $1000apprx....after we get the new scores above 700 we will get personal unsecured insstallment loan through our bank and pay off the credit cards....that will increase the scores even more,, this has been my gameplan for about 3 years,,,,

noe we have good lines of credit and the history............

Anonymous · ‎07-20-2007

that was $10k limits total,,,,not 1k.....typos...sorry

basically lexington Law sent validations letters initially ....a bunch were deleted just from that wave,,,then they sent intervention letters,,,,probably letters that verify additional info.....a bunch more were deleted,,,but a few of the credit card companies have been a pain in the butt,,,,bank of america etc cap-one,,,,,

also the updates were wrong over and over,,,,,its just a time game and u have to keep sending the letters,,,,i have lexington law firm do it because they are familiar with the procdeure,,,,,if u send to many letters the credit bureaus will say your letters are frivoulous,,,thats why i have lexington law handle it.....

AND NO I DONT HAVE COPIES OF THE LETTERS,,,,,,,they are very protective of their techniques (cant blame them(.,,,,but i am sure u can find generic ones here....

Anonymous · ‎07-20-2007

bizarrefun3 wrote:
that was $10k limits total,,,,not 1k.....typos...sorry

basically lexington Law sent validations letters initially ....a bunch were deleted just from that wave,,,then they sent intervention letters,,,,probably letters that verify additional info.....a bunch more were deleted,,,but a few of the credit card companies have been a pain in the butt,,,,bank of america etc cap-one,,,,,

Are you working for Lexington Law? I did a lot of correcting with only my email a few stamps, and my handy dandy MYFICO Forum. I think you could have done for yourself what Lexington Law did for you. But that is just my opinion.

Message Edited by monro411 on 07-20-2007 09:29 AM

Anonymous · ‎07-20-2007

congrats...feels great to hear that!

Anonymous · ‎07-20-2007

u are probably right

but i had the $$$ to have them do it

i learned to hire pros to do what i cant do...plus i didnt want to learn the letters at this time in my life

and no i am not a lawyer from lexington......lol

i just think some of the folks that post here should work with a professional instead of learning as u go,,,they may make things worst,,,thats all