Lexington Law Review - The Bills.com Blog

There are literally hundreds of credit repair websites and a lot of them try to guarantee success but the reality is most of them are just a waste of money. They use methods of repairing your credit you can do yourself if you simply google credit repair templates. Their process is very lengthy and requires months and even years to get a lot of things removed and sometimes the bad marks can come back as some companies are very persistent, especially if you still owe them money. The only guaranteed method to repair your credit is to pay off the old bills and get your derogatory balances to $0. "Well that isn't very helpful" is probably what you are saying. Since none of us just have cash laying around to do that there are other things you can do that are guaranteed to increase your FICO score practically overnight and start rebuilding your credit. It's actually very simple. Sign up for Millennium Secured Credit Card and send them $300. Buy $90 worth of groceries on it and make the payments. Keep the balance under $90. Then sign up for www.alliedtrustdiamond.com and get a $10,000 unsecured credit card, buy something and make the payments. Do a google search for USA Shopping Club and sign up with them for $12,500 unsecured credit card buy something and make the payments, Eclub USA and get your $3,500 credit card and finally Horizon Gold and get your $500 credit card. Once all of these companies report to the credit bureaus you are going to see an immediate increase in your FICO score. Guaranteed. Then you can work on getting the bad marks paid off and removed. It's much easier to get them permanently deleted if you don't owe them any more money.

I am a 100% disabled AF Veteran. I accumulated some bills before I became 100%. The only income I have now or will ever have is disability income, which I know can not be touched by creditors. I started disputing my reports about a year ago, and paid aboput 5 off. My Equifax and Experian are both about 650, but my Trans Union is only 480. Why the difference? I also have Lexinton Law working on my credit file. I have a Midland Funding on my report and they brought "judgement" against me. I have sent them a "debt verification" and "30 Days With No Response" letters. I have never dealt with Midland Funding so I'm sure this isn't mine. They have refused to present me with proof of this debt and it has been about 75 days. I read that if they can not show proof or not show this to be a valid debt, within 60 days then they must remove it from your file. Whats wrong with this picture? Creditors or the Bureaus have no rules to abide by? Dan

Dan, sounds like you are taking all of the correct steps to remove the inaccurate information from your credit records. Under the Fair Credit Reporting Act, the reporting agencies must update and keep accurate data in their credit files. If there is erroneous information (like your collection account, that you believe is inaccurate), you must notify them (typically through a certified letter) and then wait one reporting cycle (90 days) for the errors to be removed. Save all of the documentation of your work. If TransUnion refuses to remove the inaccurate information, then you may have the basis of a lawsuit.

Can credit repair buisness help even after bankruptcy?

As a Lexington Law customer, I think that this is an accurate assessment of them.

I started using Lexington Law firm in 2006. They have been superior in getting negative items removed off my credit report. I have referred many friends and family to them over the years. The one time that I had a complaint one of the attorney's himself called me and even though he could not help me this one time, the overall experience was well worth the time and money that I spent. I would recommend them again and again.

Wow, that is a glowing review... almost too good, but thanks for sharing your experience denize. Thanks and keep that credit report clean! Bills.com

Keeping the credit report clean...thanks

Is lexington law really as cheap to use as they say or are there some hidden costs in there somewhere? Everything that i have read so far on them make them seem like a good option. I just don't want to have them do work for me and down the road i owe them lots of money.

I have heard no reports from readers stating that Lexington Law charges hidden fees. The experiences I have heard have been positive. If you chose to contract with the firm for their services, please return here and tell us about your experiences.

My sister used Lexington Law and didnt really like the idea of paying a monthy charged a monthly fee that could go on and on. Think about it, why would they jump at the chance of repairing your credit when they could keep you around for months, just charging you for doing absolutely nothing! Plus, do you think that real-live attorneys are actually working on your credit repair problem? Like they don't have bigger and better things to do! No offense but its reality! Yea they use a small team of paralegals, and customer service agents, yet they often mislead you into thinking otherwise! Plus with so many clients to help, how can they give you the personal attention you deserve? I mean I guess if thats the route you want to take but my sister ended up being referred through a friend to a credit consultant. They are honestly miracle workers! Her credit was sooo bad and it really wasn't her fault, she was even surprised to find out that most credit reports have inaccuracies that aren't even their own fault! I mean I told her that for years but of course she doesn't listen to me! It took experts, I guess, to get into that thick skull of hers! LOL... I mean I did tell her that she could have cleaned up her own report but the creditors and bureaus did everything in their power to make her process confusing! She become frustrated and her time was all consumed by this. So she trusted ICC and by letting them handle and give her the resources she needed, she was able to save money, time, and they actually did all of this in less than 11 months! So now I'm happily living alone and not having to co-sign on anything for her!! Woohoo! Good luck everyone!

Is Lexington Law a Scam? I keep seeing these listings saying that Lexington Law Scam stuff and I'm a little concerned about my chances of success. Thank you from Santos.

I have seen no evidence to suggest Lexington Law does not complete the work it promises its clients. The company does not perform miracles, and can only correct errors and unverifiable items on a credit report. It does not promise to, nor can it remove derogatory items on a credit report that are legitimate.

I signed up for Lexington Law's credit repair service six months ago and I am honestly disappointed with the results. They sent letters that were honestly appear to have be written by people with less than average spelling skills. When the dispute letters went out, one week out of the month, I failed to see any results. But they were quick to take credit for things that they did not contribute to doing. I read the reviews before I signed up with them, but I was skeptical about some of the harsh reviews believing that attorneys do have oversight. That is totally false! The only time you hear from them is when you call to complain or notify them that you are canceling your service. Run away and do it yourself!

I am thinking about using Lexington Law based on your review and some research, but do you have anyone that you recommend or anyone better than lexington law for credit correction? I am the victim of ID theft and need to get letters out and my credit life back in order? Thank you Bill.

I do not know of another credible credit repair company to recommend. You can to try to do the credit repair yourself, if you are not comfortable working with Lexington Law. A great place to start is the FTC's resource page Credit Repair: How to Help Yourself.

I had a car reposessed in september of 2002. What choices do have in getting this negative fact removed from my credit report? I was told that after seven years it would miraculously disappear but it has not.

See the FTC resource How to Dispute Credit Report Errors and send a dispute listing letter to each of the three consumer credit reporting agencies that are displaying the derogatory information.

I was listed as an "authorized user" on several of my late fathers charge cards that had balances when he died. Is it possible for me to get these derogs removed from my report and if not what recourse do I have?

What you are experiencing is the risk of "piggy-backing" as an authorized user on a credit card. If the account was healthy your credit report would reflect that positive activity. If the account is sick, then piggy-backing works in reverse. See the FTC document How to Dispute Credit Report Errors and dispute the account in question at each of the three consumer credit reporting companies. Hope that the creditor does not respond to each credit reporting agency's inquiry about the account, and that as a result the derogatory item is removed.

I hired Lexington Law about 3 months ago and have begin seeing their work take its toll. On experian I had 22 entries. I now have 15. On transunion I had 27 entries and I now have 14. On equifax I has 22 entries and I now have 17. I just so happen to be in a situation where I believe the debt is from an ex wife and or the statute of limitations has expired. Their services are prompt and they pretty much well told me if I owe the debt and its inside 7yrs they wont get it removed. All they told me they would help me with is errors and potential removals if the debtor made a mistake in reporting practices. I would recommend them but do your research.

Thanks Andrew for your review and experience with Lexington Law. Bill

I am just going to use the info you posted here for free and see if I can get the errors off of my credit report for free on my own. Thanks for the Lexington Law Review, but really thanks for the credit repair advice and help for free.

I was messing around and was not able to pay my debts for my house and car and got some bad notations on my credit record. Luckily, I found the help to remove the bankruptcy and late payments permanently from my record!

Is Lexington Law a scam and why does Lexington Law Scam show up in my google suggested search results?

The word you mentioned shows up in conjunction with searches for any number of service providers, both financial and otherwise. The fact that it appears in the Google drop-down does not indicate anything except that people search for the term often. Does that mean you should avoid Lexington Law for that reason alone? No. Read customer comments and decide for yourself if the services offered are worth the expense.