Using Lexington Law?

[Anonymous]

I've recently had a drop in my score because of an eviction and judgement on my record and I owe over $10,000 now.

This all started over 2 years ago, I was still in school and since my mom's credit was so bad I had to sign our apartment lease in only my name. The problem is that the apartment management simply communicated with my mom. Most calls, letters were made out to her even though she was not on the lease. We received an eviction letter (to both of our names) about a year and a half into living there. My mom told me she had taken care of everything and paid and we moved out January of this year. In May I got a notification that my score dropped and I had 2 collection accounts. I was never able to ask my mom anything because she would get upset and refuse to answer my questions or lie, I now no longer live with her. The amount has been increasing and I recently received a letter from the collection agency stating they had added $600 in interest and would exercise all means possible to collect the amount owed.

I looked around online and found Lexington Law and gave them a call. I explained the situation to a woman and she looked up some of my information. She stated that on her end it showed these were new collections dated 8/8 (credit kama shows 3/29) and the CA may be changing the numbers to keep the information on my report longer. She also stated they shouldn't have two seperate collection accounts nor should they be adding interest because it's a closed account. She stated based on this, the CA isn't following the rules and they could get the 2 collections removed from my report. I'd have to pay $15 so they can get my full report and begin working, then pay $120 in 6 days. She said it may be done in a month or it could be two months and I would have to pay another $120.

I'd like to know if anyone has used their services, or heard of them, or what they think about the information I was given?

Thank you.

[Anonymous]

I know Lexington Law will not promise you any specific result because they can't.

[Anonymous]

Let me start by saying that you are going to get mixed reviews on here regarding Lexington Law. Everyone's situation is different, thus everyone's results are going to be different. Some horror stories and some success stories.

Also, a lot of people will tell you that you can do everything Lexington can do. Personally, I don't agree, because I tried all avenues on my own and didn't get anyhere, but again, everyone's situation is different.

Thankfully, my story is from a successful experience with them.

I hired Lexington Law about 6 months ago and couldn't be happier. I seriously would've paid them twice what I've paid them so far. I opted for the $100 plan, not the $120 plan, because I had no need for them to send any cease and desist letters -- collection agencies gave up and stopped calling me years ago.) 

I was leary about hiring Lexington, because I had hired a "credit repair company" a while back and they pretty much took my $750 and ran.

To be honest, I didn't expect to get much result with Lexington, because I had already taken all kinds of steps to dispute the accounts with both the creditors and the bureaus...disputed online, sent letters, and got nothing removed on my own.

Anyway, in the past 6 months Lexington Law has gotten all of the negative items on my report removed -- about 10 different collections showing on all 3 bureaus. These were old collections, some I had paid, some I had not, as well as some late payments. (Right now I'm waiting on just one more $150 paid collection to be removed from Equifax that has already been removed from the other two bureaus.)

In the first two months, nothing was removed, then things just started flying off. There were a couple of times I don't even know how stuff was coming off, because I would get alerts from LL that they had sent debt validation requests to the creditor, then a week or so later the account was removed from my report...followed by the creditor sending the debt validation a week or two after it was removed. Haha. So I don't know... it seemed like LL was getting things removed even before the creditor had responded to their requests.

By the way my score has gone from a 520 to a 768 in the past 6 months. See disclaimer below*

*Disclaimer: In that same 6 months I did pay off $10K in credit card debt which appears to have had the greatest impact on raising my score, not necessarily having the collection accounts removed. I went from like 84% debt utilization to 19% now.

One thing I can say with certainty is that if you sign up, be prepared to pay for several months, the negative(s) aren't going to get removed in the first month. The one "shady" thing Lexington does to increase profits is only send 2-3 dispute letters per month. So if you have 20 negative accounts, you can do the math. No reason they couldn't send all the letters at once, other than just keeping you on the hook for the monthly fee.

If you have any more specific questions about how the service works, fire away.