Lexington Law

[MattH]

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@Anonymous wrote:

I'd also recommend googling Lexington Law reviews.  Skip past the sites that they sponsor, and look for real folks who really used them and what their experience was like.  Last time I did this, the results were less than encouraging.  Partly because LL does a lot of things that you should not do by yourself, and neither should they.

On the other hand, the Rebuilding Your Credit forums here are full of helpful information and knowledgable experienced folks who will help you clean up and repair your credit.  You'll end up with useful life skills, will understand the world of credit better, and will sleep better at night.

Plus, you'll be able to buy lots of Ben & Jerry's with all the cash you'll save. 

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My gut feeling is that LL is likely to be shady at best.

Warning: I just did some Google searches on Lexington Law with various other keywords and search parameters and took a close look at the results.  It is very difficult to do a search related to this outfit without getting mostly hits that look to me like they are sites sponsored by them.  Whatever else can be said about Lexington Law, they are clearly very very good at using search engine optimization techniques to manipulate what people see online about them.

Here are a few hits that look to me as though they might actually be informative:

http://www.ctd.uscourts.gov/Opinions/053006.PCD.Vertucci.pdf

http://www.sccourts.org/opinions/displayOpinion.cfm?caseNo=26648

http://www.ashesh.com.np/list-of-highest-paying-search-keywords/

[IrishPM]

Just a suggestion, but I did my own research and followed some very easy steps to handle my own credit report issues. I'd rather have control over the process and in a sense, I felt like I knew my situation better than some company that is only looking at their bottom line at the end of the month.

[Anonymous]

I also believe very strongly:

a person mucks up their own credit (even I did when the circumstances for no funds were far beyond my control - you can read about it elsewhere)

a person learns from their mistakes

a person stops repeating mistakes

Anyone who uses a credit repair company seems to be shifting the responsibility for cleaning up the credit to someone else thereby, alleviating any requirement of themselves to learn and grow.

I'd rather not repeat my life's mess(es) so I'm DIY.

[MarineVietVet]

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@Anonymous wrote:

I also believe very strongly:

a person mucks up their own credit (even I did when the circumstances for no funds were far beyond my control - you can read about it elsewhere)

a person learns from their mistakes

a person stops repeating mistakes

Anyone who uses a credit repair company seems to be shifting the responsibility for cleaning up the credit to someone else thereby, alleviating any requirement of themselves to learn and grow.

I'd rather not repeat my life's mess(es) so I'm DIY.

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I wish that was true in all cases but it's not. If you are here long enough you'll read examples of back to back BK's and other horror stories of people who just never seem to learn.

But I think most folks live and learn and grow from their past mistakes.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

HopeLives well said I have to agree with most people that don't work hard on cleaning themselves won't learn there lesson.

[marty56]

Just a thought but I wonder how many people use credit repair agencies to try to remove valid derog information.  IMHO more than these agencies care to admit.

[Anonymous]

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@marty56 wrote:

Just a thought but I wonder how many people use credit repair agencies to try to remove valid derog information.  IMHO more than these agencies care to admit.

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Just have to think how many people try to remove valid information themselves with-out owning up to the debt. There is a ton of information to be found on how to try and repair your credit. Many people will make an attempt to fix those problems with-out paying for valid debt.

I do not blame the companies for making a buck its a business. Just look at the supposed Credit Guru's Dave Ramsey, and even Suze Orman, you think they preach this information about their credit opinions for free? No they are in it to make a living, and making a very good living at that.

[Anonymous]

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@Anonymous wrote:

I'd also recommend googling Lexington Law reviews.  Skip past the sites that they sponsor, and look for real folks who really used them and what their experience was like.  Last time I did this, the results were less than encouraging.  Partly because LL does a lot of things that you should not do by yourself, and neither should they.

On the other hand, the Rebuilding Your Credit forums here are full of helpful information and knowledgable experienced folks who will help you clean up and repair your credit.  You'll end up with useful life skills, will understand the world of credit better, and will sleep better at night.

Plus, you'll be able to buy lots of Ben & Jerry's with all the cash you'll save. 

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Exactly. After researching credit related issues, I went the DIY route and jumped 70 points in a couple of months. There are no "secret tricks," at least none that are legal and/or ethical. AND, the money that I saved has been going to paying down my legitimate outstanding debts. To me, this seems to be the best use of my resources.