Lexington Law Review - Will Credit Repair Work For You?

I recently hired Lexington Law Firm to help fix my credit and do credit repair. Are they good and can you please review them?

I recently hired Lexington Law Firm to help fix my credit and do credit repair for me. Are they good? I have seen a few complaints and even allegations that Lexington Law scam concerns are out there on the internet.  For my case, I have 10 negative items on each report for Experian, Equifax, and TransUnion. I thought they would challenge all of my negative items on all reports all at once. However they told me that they intentionally limit the number of items to protect their clients. They said the Fair Credit Reporting Act allows the bureaus to refuse to reinvestigate any challenges that they consider frivolous. One factor they use in determining a frivolous challenge is when a consumer challenges too many things at one time. They also said they found that limiting the number of items they challenged will avoid their clients challenges from being labeled as frivolous. Are they feeding me a bunch of bull or does this sound right to you?  Can you do a Lexington Law review?

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Bill's Answer
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Highlights


  • Understand how credit repair works and if the service can help you.
  • Review Lexington Law's methods and standing.
  • Read hundreds of reviews and comments from readers about their experience with the Lexington Law credit repair process.

Since first writing our review of Lexington Law and evaluating their services in particular, and credit repair more generally, we received hundreds of comments from clients and consumers.

There is nothing any credit repair organization can legally do for you — including removing inaccurate credit information — which you can’t do for yourself, for free. However, you may decide it is worth paying an organization to take care of these matters for you. The fees can be substantial, ranging from hundreds to thousands of dollars.

The Credit Repair Organizations Act (CROA), a federal law, prohibits credit repair organizations from taking consumers’ money until they complete the services promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Consumers have three days to withdraw from the contract.

Credit repair is not effective for current, unpaid debts. Even if current debts fall off a credit report, they will reappear at the next reporting period. You need to before seeking to remove a debt from your credit report.

 

Image Source: Trinity Credit

Lexington Law Review

The activities of credit repair companies are constrained by the (FCRA) and the (CROA). Bills.com is not in a position to be able to verify whether Lexington Law Firm complies with these and other federal and state laws and regulations. Educate yourself about credit repair and the CROA before proceeding.

Under the FCRA, if a consumer credit reporting agency receives what it (in its opinion) deems as a frivolous challenge, then that credit reporting agency can ignore the request. Credit repair companies cannot guarantee success because creditors have such a large influence on what appears in a credit report. Also, the credit reporting agencies deal with so much data, it is a mix of art and science for a person or credit repair company to change or delete a listing on a credit report.

Lexington Law has been in business for quite some time. Any company with many clients over a number of years, such as Lexington Law, will generate complaints on consumer Web sites where readers claim the company is a scam. Of course, each consumer needs to do their own homework.

Lexington Law Firm cannot get you out of debt. Contact one of Bills.com’s pre-screened debt providers for a .

Letter of Deletion

Use a letter of deletion to request the removal of inaccurate information from a credit report. A sample letter of deletion is below, and we include instructions for how to submit it online at no cost.

No one can remove accurate and timely negative information from a credit report legally. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for doing this on your own. If you paid the accounts in full and as agreed, then you can try to get them removed.

Following up with the credit bureaus might be a time-consuming proposition, depending on how many items you want to be removed. To get these items removed from your credit report you have two options:

1. Pay For The Services of a Credit Repair Firm

Lexington Law Firm is one of many a credit repair companies. Be careful about the firm that you choose and make sure that it is a reputable firm. Check with the Better Business Bureau to learn about the performance of a particular company. Do some research on the firm you will eventually do business with. By law, credit repair companies must give you a copy of the “Consumer Credit File Rights Under State and Federal Law” before you sign a contract. They also must give you a written contract that spells out your rights and obligations. Read these documents before you sign. The law contains specific protections for you. For example, a credit repair company may not:

  • Make false claims about their services
  • Charge you until they have completed the promised services
  • Perform any services until they have your signature on a written contract and have completed a three-day waiting period.
  • Suggest you mislead credit reporting agencies about your accounts or alter your identity to change your credit history

Your contract must specify:

  • The payment terms for services, including their total cost
  • A detailed description of the services to be performed
  • How long it will take to achieve the results
  • Any guarantees offered
  • The company’s name and business address

2. Do It Yourself

Bills.com offers a that can help you solve your debt problems on your own for free. Step one is to obtain a copies of your credit reports from the three largest consumer credit reporting agencies. Go to for no-cost, no-gimmick copies of your credit reports. Alternatively, call (877) 322-8228, or write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You may order your reports from all three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time.

Check your reports for the action items. The three biggest bureaus allow consumers to dispute items online, but in most cases you will need a copy of the respective report and other information to do so. Once you are ready, contact the bureaus reporting the incorrect information:

Equifax Experian TransUnion
Dispute errors with the consumer credit reporting agencies directly. Source: Bills.com
800-685-1111 888-397-3742 800-916-8800

Sample Letter of Deletion

Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (not originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the following:

FTC Sample Letter of Deletion
Sample Letter of Deletion. Source: FTC

Date
Your Name
Your Address
Your City, State, Zip Code

Complaint Department
Name of Company
Address
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,

Your name

Enclosures: (List what you are enclosing)

Conclusion

Credit repair will not erase or cancel unpaid debt from your credit reports. Clear your debts before trying credit repair.

Follow the steps above to dispute incorrect information on your credit reports. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. If you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again.

Some Web sites provide kits for as little as $13.95 that contain letter templates and tips to help you repair your credit yourself. You can learn more about credit, credit scoring, and credit repair at Bills.com.

Generally we do not believe that firms like Lexington Law, Ovation Law, and other credit repair industry leaders are scams, even though they do have lots of complaints about them on consumer-complaint Web sites. Be sure to evaluate each company’s complaint volume against the size of its overall client base. Do your homework to ensure the monthly fee seems reasonable to you for the services promised. Many of the unhappy people who comment below failed to do their homework, and as a result were disappointed.

I hope this information helps you Find. Learn & Save.

Best,

Bill

507 Comments

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  • 35x35
    May, 2013
    Tom
    I had an overdue payment 16 years ago for a cell phone bill of approx. $200. I have not paid the amount as it is listed by several collection companies on my reports and I fear if I pay one the others will keep their collection current as they have not been paid. Due now with interest around $370. How do I get rid of this derogatory credit which is ancient and a small amount of money?
    1 Votes

    • 35x35
      May, 2013
      Bill
      Seven years after the date of first delinquency is how long most derogatory items can appear on a consumer's credit report file. An unpaid 16-year old cell phone bill is subject to the 7-year rule. Follow the directions described in the original article above to dispute this information.
      0 Votes

  • 35x35
    May, 2013
    Danielle
    Being a single mom for years and struggling my credit has always been crap. I've never had the money to just pay it off and have always been denied for everything it seems. About a year ago I finally got almost everything paid off. I think there is 1 thing showing that hasn't been paid, but the collector can't tell me what the debt is. I'm in KS and I understand the whole 7 year process, but there are 2 on there that have been paid, but is still showing a balance. The major issue I am facing is a repossession which is showing on one of my credit bureaus; the debt is approx $2000 and I haven't paid them a dime as I disputed this from the get go. I was in a tough situation, had no car, bad credit and had to do something. I was charged $10,000 for a 97 Honda Civic (this was probably in 2005 or 2006) with over 250,000 miles on it. My own stupidity, but I had no choice at the time. They eventually sent a 1099 to the IRS and it was obviously claimed as income. I wrote the IRS and told them the whole situation and they told me I didn't owe the debt. The people I am dealing with is called Car Financial. I have been round and round w them about removing or putting a zero balance and they refuse. They go around in circles telling me I owe the debt; that they're no longer collecting on it; I don't think they know what they're doing. I don't think the other small things showing will be am issue coming off as I've already spoke with them, but are there any other options for this car situation? I was thinking about going through a credit repair agency, but will it help? Please help! I just want all this resolved so I can finally have good credit! I also have a lot of student loans, but those don't hurt me bc they're in good standing. My scores right now are about 585 and the 2 other credit report companies are about 650's. I do have a car that's 2 years old; never missed a payment so that's good. Please help! I also just got a capital one cc with a small balance to help my score. Thank you!
    0 Votes

    • 35x35
      May, 2013
      Bill
      Some of the facts in your message are unclear to me. Regarding the Honda repossession, add 7 years to the date your last payment was due. If, for the sake of argument, the last payment was due in January 2010, the repo will appear on your credit report until January 2017. As time passes, the repo's harm to your credit score will fade, and the positive actions you mentioned will boost your credit score.

      You mentioned the Honda lender sent you a 1099. I have good news and bad news.

      The good new first: I assume the 1099 was a 1099-C. If so, the IRS was referring to Cancellation of Debt Income. See the link I just mentioned to learn more about how you avoided tax liability for the amount in your 1099-C.

      Now the bad news: Despite what a 1099-C states in plain language, the fact that a creditor files a 1099-C does not mean the debt is canceled, forgiven, extinguished, or may no longer be collected. A 1099-C is just a confusingly named tax filing, and does not give the consumer who receives one a shield from future debt collection activities.

      You mentioned one account in your credit report(s) has incorrect information. See the Bills.com article How to Dispute a Credit Report to learn what steps you can take to correct false information appearing in your credit report.
      0 Votes

  • 35x35
    Apr, 2013
    Tony
    I have paid off my old charge off's with a settlement amount. I have mailed the paid settlement letters to all 3 credit company's. Will this help raise my credit scores? Also will I be able to remove this bad debts from my report?
    0 Votes

    • 35x35
      Apr, 2013
      Bill
      The damage to your credit score was done when the accounts went severely delinquent. The benefit of paying off your accounts is that it prevents collection efforts from your creditors. The accounts should fall off 7 years after the date of first delinquency, under federal law. If they are still showing after that, you need to file a dispute with the credit bureau.

      You need to focus on getting positive information reporting to the credit bureaus, in order to boost your score. Please read about the steps to take to improve your credit.
      0 Votes

  • 35x35
    Mar, 2013
    A
    I signed up with Lexington law on March 15th. So far, 4 items have been removed off of my Transunion report. Good action considering it hasn't even been a month. Will update as time goes along. 1 of the collection items I had already paid off. The other 3 I had not paid off and were not scheduled to fall off anytime soon. So far I am impressed. But I hope they can get items off the other reporting agencies too. Especially Experian, since I hear they are the hardest! Look, companies like lexington lawfirm are for people who don't want the hassle or have the time to do it themselves. Yes you could do it yourself, but that's why they are around...For the people who are willing to pay for someone else to do the work....
    3 Votes

  • 35x35
    Mar, 2013
    Jeremy
    Just started working with Lexington Law! I only have a dozen or so negatives on each report, so I hope to get concrete results in a few months. Will check back with an update.
    0 Votes

    • 35x35
      May, 2013
      Jeremy
      Just over a month in, and I am satisfied. Nearly 6 items removed, and nothing was billed until it was said to. Once the first removals happened, THEN they billed me. Am also working on keeping all accounts current and timely.
      0 Votes

  • 35x35
    Mar, 2013
    ANTHONY
    An unknown person got a 2-year contract in my name from a cellphone company. I noticed this when I started receiving letters and phone calls about the bill I was supposed to pay. I called the company and they told me they're going to handle it. It's been almost a month, and no response from them. I'm very worried about it since I don't have any credit history. What can I do about this? Is it really effective submitting a dispute claim on my own? Or should contract this firm? Are they more accurate? What are my other options?
    0 Votes

    • 35x35
      Mar, 2013
      Bill
      You may be a victim of identity theft. Go to the Bills.com identity theft recovery page and follow the four steps listed there to stop the damage the identity thief is causing. The damage to your credit score, which you mention in your message, is a side-effect of identity theft. You need to stop the thief first, then worry about the side-effects later.
      0 Votes

  • 35x35
    Mar, 2013
    K
    I am reading mixed feedback regarding Lexington Law on this site. I have been with Lexington Law since 1/4/2013, approximately 4 months. I have had a total of 9 deletions. 5 Transunion, 3 Equifax, 1 Experian. They are doing a solid job for me. I do not recommend Lexington to people who have derogatory information unless you have paid the debt or the derogs are incorrect. If your negative information is valid and you owe the money, Lexington can't do much to help with that. My advice would be to pay the debt then engage Lexington to help with deletions.
    1 Votes

    • 35x35
      Mar, 2013
      Bill
      Thank you for your feedback. It is important for everyone to know that accurate, derogatory information can remain on the credit report, no matter what steps Lexington or any credit repair organization takes on a person's behalf.
      0 Votes

    • 35x35
      Apr, 2013
      S
      I tried Lexington out a few months back but I cancelled after only 2 months. They didn't get anything off for me. As a matter of fact 1 of the accounts they disputed was an old credit card bill. I disputed it myself and got it deleted recently. Lexington is not worth it to me.
      1 Votes

  • 35x35
    Mar, 2013
    Angeline
    I left Puerto Rico in July 2012 because domestic violence leaving a car loan debt for $3,000 (aprx). Now I am living in Mass (U.S). This debt is affecting my credit a lot. I was thinking of using help of Lexington law. But I don't know if it's going to really help me. I am a single mom and i don't want to waste my money for nothing. It's something that I can really do?
    0 Votes

    • 35x35
      Mar, 2013
      Bill
      Angeline, you need to resolve the outstanding debt, before you can work on repairing your credit. I don't advise hiring a credit repair firm, given your circumstances. I believe it would be a waste of money, if your goal is to remove the auto loan from your credit report.
      0 Votes

    • 35x35
      Mar, 2013
      Angeline
      Please tell me how I can remove that from my credit or improve in my credit score.
      0 Votes

    • 35x35
      Mar, 2013
      Bill
      Angeline, an accurate, derogatory item will remain on your credit report for 7 years from the date of first delinquency, but the item carries less weight as time passes. As you can read on this page, some people hire credit repair firms and report that accurate, derogatory accounts were removed. The FTC says that no one should expect this when working with a credit repair firm. You could pay them monthly fees and not see any results. Certainly, there is nothing that they do that people can't do themselves.

      Your best bet for improving your credit score is to get and use credit responsibly. That means having some active credit reports in good standing. If you can't open an unsecured credit account, look at opening a secured credit card. Remember, you don't want to run up debt on any card you open, only to use it and pay off the balance, in full, each month.

      Separately, you have to formulate a strategy for dealing with the debt resulting from the auto loan. You can try to negotiate a settlement with them or lay low and hope they don't locate and sue you before the statute of limitations expires. If you approach them in good faith, the creditor can respond to your good faith efforts with aggressive actions, including suing you. Sadly, there is no simple answer to what you're facing.
      0 Votes

    • 35x35
      Mar, 2013
      Angeline
      I read this on the internet about following these steps...will this work?

      1 Call your lender after the car is sold to find out if there is a deficiency balance and, if so, how much it is. Inform the lender that you are incapable of paying the full sum and request a settlement offer. Lenders are well accustomed to having to settle deficiency balances and most will oblige your request. 2 Prepare for the settlement by amassing as much of a lump sum payment as possible. You will often be able to negotiate a lower settlement agreement if you are able to settle the debt with one large payment. 3 Review the settlement offer when it arrives. Counter the offer with one of your own. If you are living on Social Security, a military pension or are currently unemployed, inform your lender of that fact in your counteroffer. A private lender is unable to garnish your wages or otherwise collect from you if you receive government income or are unemployed. This may make your lender more willing to work with you since it is unlikely to receive payment any other way. 4 Wait for your lender to respond. You will often receive a new settlement offer, but be prepared for the possibility that the lender will adhere to its original offer. If it does, bump your settlement offer up slightly and try again. 5 Make your payment to your lender and request that a receipt for the payment be mailed to your home. Keep the receipt to prove you paid the debt.
      0 Votes

    • 35x35
      Mar, 2013
      Bill
      Angeline, I did a quick search to see where you found this and it looks like you read it at Ehow. I believe that their advice does not take into account certain important factors. It is not wholly inaccurate, but I will point out what I think Ehow left out, as well as the risks of following their incomplete advice.

      First of all, if you call the lender when they are not trying to collect from you, you are drawing attention to yourself. The lender may be willing to negotiate a settlement or it may say, "Thanks for letting us know where you are," and then start to aggressively collect on the debt, moving to legal collections. You will have to make your own risk/reward decision, calculating whether it is worth reaching out to them before they attempt to make contact with you.

      If you decide to contact the lender, I do not recommend contacting the lender before having enough funds on hand to pay for a reasonable settlement. Step one would be saving the money up, not contacting the lender and then start saving for a settlement.

      Collection laws vary from state to state. While there are certain protections that apply in every state, such as some types of income being off-limits to garnishment by this kind of creditor, you may be exposed to a bank levy or be forced to liquidate some kind of asset, depending on the collections laws in the state where you live. In your case, the collection laws in Puerto Rico possibly may still apply.

      It may be wise to negotiate a settlement, but there is no guarantee whatsoever that the lender will agree. Even if your income can't be garnished, a judgment the creditor obtains will last for years (exactly how long it lasts depends on the laws in the area of jurisdiction). If you circumstances change, the creditor could try to collect from you as long as the judgment remains in force.

      I agree with Ehow that if you choose to negotiate, start low. Ehow leaves out other important information. For instance, if you settle the debt, make sure that you get any settlement offer in writing before you send payment. The offer should clearly state that your reduced payment will bring the debt to $0 and close the matter completely. Ehow also leaves out the fact that if your forgiven debt is greater than $600, then you should expect to receive a 1099-C and you will have to include the amount forgiven as income on the tax return for the year in which the debt was forgiven. It is cheaper to pay taxes on the amount forgiven than the total amount, but it is important that you are aware of the tax implications, a fact that Ehow left out.
      0 Votes

    • 35x35
      Mar, 2013
      Angeline
      Thanks! If I do the settlement and pay for it! then I contact lexington law this account will get out of my credit report or improve in my credit score with help of them or I can do something in my own, or is not worth it?
      0 Votes

    • 35x35
      Mar, 2013
      Bill
      There is no sure-fire way of having accurate information removed from your credit report. Once the debt is paid, Lexington Law would try a process that attempts to exploit a potential procedural loophole. You could try the same method on your own, but it also would have no guarantee of success. You could end up paying Lexington Law, after you settled or paid the account, and get no positive results. Federal law, however, states that the account will fall off your report 7 years after the day of first delinquency. I think the most prudent course of action is to save up some money to use in an attempt to settle, in case the creditor rears its head, and to take separate steps to rebuild your credit score.
      0 Votes

  • 35x35
    Mar, 2013
    Jeremy
    I just hired Lexington to help remove some small charge offs that I think are not legit. We shall see what they come up with. If nothing else, i can pay them off and then they can make sure that the collection agency removes them. If nothing else gets done but that, I will be happy.
    0 Votes

  • 35x35
    Mar, 2013
    HEATHER
    I was going to go with the law firm to help with my credit score so i need to know what to do next. I paid off all the bad debts that were on my credit report. Since last july, the balances are zero. What do I need to do now?
    0 Votes

    • 35x35
      Mar, 2013
      Bill
      Congratulations! You completed the most difficult step in improving your credit scores by getting your delinquent account balances to zero. The rest is much easier to accomplish.

      As the article above explains, firms like Lexington Law file disputes with the big-three consumer credit reporting agencies, which are Equifax, Experian, and TransUnion. Therefore, you have three credit reports to worry about, because each company is independent of the other two and may be publishing different information about you. The dispute process Lexington uses is intended to remove errors from consumer credit reports. There is nothing magical about Lexington's dispute process, and we explain how you can do it yourself in the article above. Some consumers don't have the skill set or time to file and track disputes, and hire a company like Lexington.

      As I mentioned, the dispute process is intended to remove errors, and some consumers hire Lexington to remove accurate derogatory account information. Sometimes this works, and sometimes it doesn't. This explains why some Bills.com readers leave strongly positive feedback about the company on this page, and others leave strongly negative feedback.

      What should you do? Review the original article above, and study the dispute process. If this is something you wish to tackle on your own, do it! Your only cost will be your time. Or, hire Lexington to try to remove the derogatories for you.

      The most sure-fire way to improve your credit score is to create positive history in your credit reports. See the Bills.com article 7 Techniques to Improve Your Credit Score to learn more about creating a positive credit history.
      0 Votes

  • 35x35
    Mar, 2013
    William
    They have removed 37 items off my credit in 4 months. I say its worth every penny!
    3 Votes

  • 35x35
    Mar, 2013
    Andrew
    Lexington Law helped me a lot to fix my credit score.
    0 Votes

  • 35x35
    Mar, 2013
    Sunny
    I have several thousand dollars in medical bills for my daughter on my credit. Her biological father was ordered to provide her with insurance, which he refused to do. I was forced to deal with her chronic medical conditions, typically through emergency rooms, then unable to pay the bills. In a final hearing last year, the judge ordered he reimburse me for medical expenses so I could pay off these accounts, but he refuses. The collection agencies say the accounts are in my name, so I am responsible. I really want to buy my first house this year, but this situation has pushed my credit score down into the "poor" range. Is there any way to fight to have these accounts removed that you are aware of? I do have a court order for the medical expenses reimbursement, if that would help. Thanks!
    0 Votes

    • 35x35
      Mar, 2013
      Bill
      An agreement in a divorce decree is binding on the two spouses, but is not binding on the third parties involved. (Note that some courts do not follow this general rule.) Because you were responsible for the medical bills, the entities that are legally allowed to collect on them are allowed to pursue you. Your recourse is to seek redress in court against your ex for not adhering to the judge's orders. Keep pursuing legal action to get your ex to pay. Once your ex pays the debts, the judgment will show as 'satisfied' on your credit report.

      Separately, speak with an experienced mortgage loan officer who will view your credit report and give advice on steps you can take to improve your credit score to the level that will meet a lender's requirements. Take a look at FHA loans, as they have less strict credit score requirements than conventional loans.
      0 Votes

  • 35x35
    Mar, 2013
    Briana
    I have bad credit because someone has been using my Social Security number since I was 12 years old, and now there are a lot of negative items appearing on my credit report. But all of these things are before I was 18 and I had no clue of them until I tried to get a credit card over the summer. Is it true that the negative items have to be removed because technically I wasn't old enough to apply for half the stuff on there? I disputed the things on there already, where do I go from here?
    0 Votes

    • 35x35
      Mar, 2013
      Bill
      You are a victim of identity theft. Follow the link I just mentioned to read about the steps you can take to stop additional damage from occurring in the future, and to reverse the damage caused by the criminal who used your Social Security number.

      It appears you have started to take steps to reverse the damage. One action to consider is a credit report freeze, which would make it difficult for the criminal using your ID to open new accounts in your name.
      0 Votes

  • 35x35
    Feb, 2013
    Bill
    hello i was thinking about using lex law b/c i have credit scores from 520-600 and i have a couple paid and say settled for less than full amount.. can they be erased from credit b/c i have heard that that wording has a negative effect on your credit.. i would like to be able to buy a home in 6 months and need my credit score to go up. Should i use lex law to help?
    0 Votes

    • 35x35
      Feb, 2013
      Bill
      Your credit score is harmed by derogatory marks and boosted by positive marks. In your case, it isn't the fact that the accounts were setttled that harmed your score. It was the delinquences that appeared prior to settling.

      Accurate information may not come off your report, no matter what steps Lexington Law takes. There is nothing they can legally do for you which you can’t do for yourself, for free. That being said, as you can read from the large number of comments on this page, there are satisfied and dissatisfied customers.

      One thing you need to focus on is making sure that you have a number of active accounts in good standing. You need the positive information reporting to boost your score and to show a mortgage loan underwriter that you are creditworthy, even if you are able to get the derogatory information removed. I recommend speaking with an experienced loan officer, to see what he or she says about steps to take to improve your score.
      0 Votes

    • 35x35
      Mar, 2013
      Nikki
      YES! USE THEM! I don't care what anyone says - It is worth a try! I don't know why some people give such discouraging information where credit repair is concerned. So far Lexington Law was able to successfully dispute TEN things on my report. Basically: 3 from Experian, the same 3 from Equifax, the same 2 plus one other from TransUnion. I am so pleased with the results that I make it a point to go give them positive feedback everytime I get an email update about items deleted from my file. Ive been using them for 2 months now. ALSO - since I have been using them, I have been contacted by 3 creditors offering partial settlements AND they will request that the derogatory info be removed. When I am done working this out with them - I imagine I will see an even bigger improvement in my score which has gone up quite a bit. I bought the $79 package because it includes some additional features. I'm happy.
      2 Votes

  • 35x35
    Feb, 2013
    Josh
    I signed up for Lexington Law last week Wednesday and it hasn't been a week as of yet I started out with a EFX 410, EXP 414, and TU 400 my EFX has rose by 22 points and TransUnion on their site shows it at 512 but I am unsure how accurate that it is I don't know if a 112 point jump is correct...So far so I didn't have much real bad items on my score just 1 30 day late, and 1 120 late, bankruptcy, and some collections items that were all bringing my score down...So far Lexington Law seems to be working
    0 Votes

    • 35x35
      Feb, 2013
      Bill
      Josh, less than one week is not soon enough for any action that Lexington Law has taken to be reflected on your credit report. The bounce in your scores is due to some negative information dropping off your report, in my view, that is unrelated to your engaging Lexington Law.
      0 Votes

  • 35x35
    Feb, 2013
    John
    The way Lexington Law works is as follows: 1. When you call them the first time, they will tell you that they have your issue covered. There is a basic service for $70.00 ($69.95) and a Premier service for $100.00... this is per month. 2. Once they get your credit report, they send a "challenge" to the credit agencies. The cycle for the agencies to respond back is 60 days. So for every cycle of a "challenge" you pay $140 ( for 2 months) or $200.00 bucks (for 2 months) based on whichever service you chose. 3. When you don't hear back from anyone, and when you ask them a question, some arbitrary rep will send back an email. When you respond back, another arbitrary rep will respond back. This continues back and forth till your tired explaining to each individual what your question is. I am assuming that every person in different and each will have their own set of issues that needs to be resolved. Anytime you ask them a question, the answer is the same. "We have sent a challenge". For the money these guys charge, I am sure there are better services out there. After my experience with this company, I would not recommend them.
    3 Votes

    • 35x35
      May, 2013
      Tonya
      I used Lexington Law and was getting great results at first. However I know now it is something I could have done myself. But the hard account that has been on my credit, that inaccurate they will not touch it ! I really them but some stuff they are just not successful with oh when you go from the $99.00 package to the $24.95. Yeah, you get what you pay for. But I would recommend for a short time once you get the drift you can do it yourself. It is nice to have them to do it for you. But I am a hands-on kinda person, and after they got the first few done it came to slow halt.
      0 Votes

  • 35x35
    Feb, 2013
    Sarah
    Thanks for the excellent article! I have a better understanding of what it is I need to do myself to get my credit repaired. However I do have a quick question I was hoping you will answer please! I understand that I have the right to file or dispute "incorrect" claims, and that negative marks stay on my report for 7 years... my question is, is there ANYWAY to legally remove the negative marks before 7 years after they appeared if the debt is paid in full? Or settled? I have several bills in collections, (I just haven't had the money to pay them), but now I do. I want to pay my debt off, but I want to make sure before I do so, the collection agency agrees to call the credit companies and have my negative marks removed after my debt is paid in full. Is there any possibility of this happening? I've talked to collection agencies and they say they will get the negative mark removed after I pay them, but I'm not sure if they have the capability of doing this or not. Thank you!
    0 Votes

    • 35x35
      Feb, 2013
      Bill
      See the Bills.com article Pay For Delete to read about the thought you suggested in your message.
      0 Votes

  • 35x35
    Feb, 2013
    mike
    I am diagnosized with epilepsy and have over $30,000 in hospital debt in the past 20 yrs. I have a low income but not on gov't assistance programs. How can I clear my credit report and how far back do I have to go? Thank you.
    0 Votes

    • 35x35
      Feb, 2013
      Bill
      There is no guaranteed way of removing accurate, derogatory information from your credit report, aside from the passage of time. Derogatory accounts should disappear, by law, from your credit report 7 years after the date of first delinquency on the account. If an account older than that is on your credit report initiate a dispute with any credit bureau that lists the account.

      For accounts that are within the seven years, you should look at the statute of limitations on debt, to understand whether you can use the SOL as an affirmative defense, should any creditor sue you. If the debt has not reached the SOL, make sure that you understand the collection activities the creditor could pursue, so you can best protect yourself.

      If you want to improve your credit, you need to take steps to create positive information on your credit report, not just have the negative information come off.
      0 Votes

  • 35x35
    Feb, 2013
    C
    "No one can remove accurate and timely negative information from a credit report legally." Can you expand on the "timely" part of this quote? My specific situation involves an account that was transferred to collections on October 31, 2012. I was notified in December of the collections account for $200. I checked my credit report at that time, and NO collections accounts were listed (as either "open" or "closed"). I paid the account in full on December 27, 2012. On January 25, 2013, a collections account for this balance was first posted to my credit report as "closed." It was NEVER listed previously on any credit reports as either "open" or "closed." My credit score subsequently dropped 100 points and has jeopardized a loan I have been negotiating. Had I known that a collections account would be posted to my credit report, I would have negotiated for its removal. But since I have paid the account in full over a month ago, I no longer have that leverage. My only idea is to see if there has been any violation of a "timeliness" principle in credit reporting. If there has been, it might make it easier for me to have this removed from my credit history (I have never had a negative credit mark before this). Thank you for your help.
    0 Votes

    • 35x35
      Feb, 2013
      Bill
      In the Fair Credit Reporting Act, see § 623 (a) (5) Duty to Provide Notice of Delinquency of Accounts for a discussion of the FCRA's definition of timeliness in regards to publishing delinquent-account information.
      1 Votes

  • 35x35
    Feb, 2013
    Vic
    I have a retail account that has been charged off. Currently still with the original creditor (Wells Fargo Financial). They say they will not delete the account. Wells offered a settlement for 50%. I read you should always settle for way less. Should I:
    1. Accept the charge off, paid in full
    2. Charge off, settled
    3. Hire a company to try to press for deletion or some other amount?

    Keep in mind this is the original creditor, so it has not been sold to collections yet.

    0 Votes

    • 35x35
      Feb, 2013
      Bill
      There are few rules for negotiating the settlement on a credit card debt. Generally speaking, credit card issuers will settle a debt for 40 to 60 cents on the dollar. A settlement for 50% fits right in the middle of that range. Collection agents buy delinquent credit card accounts from credit card issuers for about 8 cents on the dollar, so that may be the source of the information that you should settle for "way less."

      Regarding your questions, the answers depend on your long-term goals. If you want to make a major purchase on credit in the foreseeable future, then you would be wise to settle the debt as quickly as possible so that you can focus your energy on boosting your credit score. If you have no such purchase plans, then you might want to wait until the credit card issuer sells your collection account to a collection agent so that you can drive a harder bargain on a settlement.
      0 Votes

  • 35x35
    Jan, 2013
    Jessica
    I have an account on my credit report from the Dept of Ed that was delinquent but that I ended up paying it about a year later. Should I attempt to remove it, and if so, how? So far today, I've gotten 5 things deleted and 5 things disputed between all 3 credit bureaus. Also, I have a delinquent account on 2 of the 3 from Dish Network where I broke a contract. However, when I spoke with Dish, they couldn't figure out why I owed it. Yes, I'm aware that it is because I broke a contract, but they are not. Should I dispute it because of the fact that Dish can't come up with a reason why I owe it? Thanks in advance :)
    0 Votes

    • 35x35
      Jan, 2013
      Bill
      You have nothing to lose by trying to dispute the Dept. of Education and Dish Network derogatories. Follow the directions in the answer above to learn how to dispute derogatory items in your credit reports.
      0 Votes

  • 35x35
    Jan, 2013
    A
    Lexington Law firm does not do anything you cannot do yourself, with some patience. Secondly, they wildly misrepresent themselves on the phone and the contract you sign says 100% to the contrary.

    I did business with them from Jun 2010 to Dec 2010. I had 6 lates and a short sale sitting on my credit I wanted to get rid of. I told the "paralegal" everytime we spoke that the information was correct, I just hoped that letters from an attorney would get the bureaus to take the information off. I was assured time and time again information that was correct could be removed. They lied. On the first page of the contract you sign (and none of us read) states:
    "You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years."
    SO... if the information you want Lexington Law to remove is actually wrong, take the time and save the money. Do it yourself. A simple Google search will give you a templated letter you can send to each bureau.

    BUT...if the information is correct and you just hope to get it removed so you can buy a house...or a car...etc, and Lexington Law tells you they can remove it - they are lying and the contract you sign confirms they are lying. Do not do business with Lexington Law. A better representation of their company is "letter writing service" not "credit repair service".
    1 Votes

  • 35x35
    Jan, 2013
    Jacque
    Lexington Law has been a WASTE OF TIME. Paid for service over a year with no results. Then they charged me an extra month. Terrible service.
    1 Votes

  • 35x35
    Jan, 2013
    Matt
    I am interested in repairing my credit. I contested items on my credit report in the past to no avail. Now I am interested in buying a house sometime in the next year and i would like to find a company to help me repair my credit history while i work on my credit future. I have had a "free consultation" with both Lexington Law and Trinity Credit and both promise me they will be able to remove debt that have gone to collections because I never signed anything with the collections agencies. Is this true? I noticed there are no comments on your review of Trinity. Are they a reputable company? It seems that neither company is registered with the BBB.
    0 Votes

    • 35x35
      Jan, 2013
      Bill
      I don't believe it to be the case that your not having signed anything with the collection agency has anything to do with the validity of the debt appearing on your credit report. If the collection agent either properly bought the debt or was hired by the original creditor to collect on the debt, it can most definitely remain on your credit report until 7 years from the date of first delinquency.

      There is no guaranteed way of removing derogatory information that is accurate before the 7-year time limit expires.

      Lexington has a BBB rating of A- and Trinity an F. Because they are rated by different local BBBs, the huge difference in ratings could be based on how the different local BBBs view credit repair.

      I recommend you dispute, on your own, any inaccurate information that appears on your credit report and focus, as you said you are doing anyway, on the steps you can take to improve your credit rating on your own. I also recommend you read our article on credit repair.
      0 Votes

  • 35x35
    Jan, 2013
    Krissy
    I recently have been on a path to getting my credit score where it needs to be in order to get an FHA home loan for my family. My husbands credit is too far gone at this particular moment to even attempt to be on the loan as well unfortunately. So I'm working double time to get my credit up, I've been working on it since August of 2012. I currently have paid off all but two of my debts. The two I have are medical and probably would do me no good to trying to pay them off as they are quite old. But I do have two credit cards and one loan that I can finally pay off or down.

    Is it best to pay the loan and credit card off completely? Or just leave a small balance on each of them so it still looks like a good mix of credit? And once that is done how long does it take to reflect on my credit report? I'm assuming several cycles of the banks reporting it. Any help would be very much appreciated!
    0 Votes

    • 35x35
      Jan, 2013
      Bill
      Krissy, your excellent questions raise a few different issues.
      1. Paying off the loan can help your debt-to-income ratio (DTI). Once you no longer have to pay the loan (often when you have six or less payments remaining), that monthly payment is not counted in your DTI.
      2. Paying off your credit cards can help both your credit utilization and your DTI. Your DTI improves because you no longer have a required monthly minimum payment. Your credit utilization improves as you're balance is a smaller percentage of your credit limit.

      What will boost your score the most and help you best position yourself for a successful refinance, therefore, depends (at least in part) on how many payments currently remain on the loan, how much you owe on the credit cards, and what your authorized limit is for the credit cards. You also need to factor in your down-payment needs. It could be the case that paying down the debts is not as important as having liquid cash for down-payment and closing costs.

      It usually takes about 45-60 days for the actions you take to reflect on your credit report. I recommend that you speak with an experienced loan officer. He or she can guide you in regards to steps you need to take to be approved for a loan, including DTI, credit, size of down-payment, whether or not the collection accounts need to be paid off.

      Start a conversation with one of Bills.com's pre-screened mortgage lenders and take good notes.

      0 Votes

  • 35x35
    Jan, 2013
    Lisa
    Lexington Law didn't do anything for my husband and that made me not want to got to them either. They had him pay them each month for a year an a half and we had little results. It was a joke really, if i had to say. I was referred to a man named tony with RMCN credit services. He saved our life! He was so sweet and patient with us from the get go. He told us exactly what to expect and was honest about things that were likely to stay put. Long story short, in 5 months me and my husband had really good credit. We bought a house last month and have Tony Atkins to thank! if you have any doubts about what you're being told, get accurate, honest advise from him, you can go to his site page and put in your info to request a free consult with him.
    0 Votes

    • 35x35
      Jan, 2013
      Bill
      Lisa, thank you for your feedback. When I Googled RMCN, one of the first items that appeared was an FTC news release, FTC Charges Credit Repair Operators With Misleading Credit Bureaus and Charging Consumers Illegal Up-Front Fees.

      I don't know if RMCN has changed the practices the FTC alleged and referred over to the Department of Justice, since this appeared, or even if the allegations are accurate. I do know that they would concern me, were I considering doing business with RMCN. In my view, consumers considering working with RMCN, or any credit repair firm, should read this FTC notice and make sure that the firm is not charging advance fees nor promising that accurate, derogatory information can be removed from a consumer's credit report.

      RMCN's "F" rating with the BBB, when I looked today, is a concern, too.
      3 Votes

    • 35x35
      Jan, 2013
      lee
      I just spoke with Lexington and did give my Social Security number for the credit review, but I did not give them any money for the full report. After getting home, I Google them and ended up here. I am more confused than ever. The whole clear-as-mud thing is going on. How do I contact you and ask questions as the people in your article did? I hope that made sense. I have a lot of questions, and the more I read the thicker the mud. Please help.
      1 Votes

    • 35x35
      Jan, 2013
      Bill
      You just contacted us, Lee. :-)

      A consumer or a company working on behalf of a consumer like Lexington Law will file a dispute with the big-three consumer credit reporting agencies. Sometimes, creditors will respond to a dispute, and if they do so, the consumer credit reporting agencies will leave the derogatories on the consumer's credit report. Other times, lazy, overwhelmed, or uncaring creditors will not respond to the dispute. There is a matter of luck involved for each dispute. Remember: Accurate derogatories on a consumer's credit report may remain, even if disputed!

      People who have a positive experience with Lexington Law probably do not go out of their way to voice their happiness here. People who have lenders that respond to disputes are more likely to express their disappointment in Lexington Law.

      This is not in any way a criticism or dismissal of Bills.com readers who have negative things to say about Lexington Law. Take positive and negative views with a grain of salt. Lexington Law guarantees to try to dispute derogatories successfully. It does not guarantee success.
      2 Votes

  • 35x35
    Dec, 2012
    James
    Hi, I'm 24, have a wife, a son, a baby girl on the way and a 550 credit score for both myself and my wife. I make very good money now, but that wasn't always the case. When I got out of high school, I was a real jackass and got and maxed out 3 credit cards with a 500, 700, and 1000 credit limit. After I was laid off from my job in 2008, things got really rough. I have two prior repossessions and all of my credit cards are not charged off. I have a few unpaid hospital bills from when I was uninsured as well as a charged off account from the cable company, and an old electricity account that also was charged off. In short, I see a bunch of people saying to not pay anything as it will then restart the debt clock. But, should I even negotiate with creditors that call? Should I try to resolve some things and just not others? Also, now one of the banks sold my repossessed car and are now charging me 324 a month that I had no idea about for the remainder. I saw it on my last credit report. I now have a car loan for 15K that has a $450 / month payment. I have started paying $1000 a month instead to help pay it off faster. I am getting a secured credit card next month for $500. Is there anything else I can do to improve my score? It just doesn't seem like it is going anywhere. Its hard to even rent a damn house for my family without it being in a horrible part of town because of my credit.
    1 Votes

    • 35x35
      Dec, 2012
      Bill
      Today, most home loan and auto lenders rely on one of several FICO scores designed for home or auto lending, so do not rely on the no- and low-cost non-FICO credit scores if you want to see what creditors see. The private-label credit scores generated by the big-three consumer credit reporting agencies, which includes VantageScore, are a good way to measure your progress. But non-FICO credit scores should be taken with a grain of salt.

      A quick digression: Looking only at your credit score — be it a FICO, VantageScore, or something else — to determine your creditworthiness is like using only your body weight to measure your overall health. A person can have low body weight and still have high blood pressure, cholesterol, or other conditions and habits that make them unhealthy. A loan applicant can have a sky-high credit score, but if his or her debt-to-income ratio is too high, no home or auto lender will touch the applicant. Back to your question.

      It is unclear what impact paying an old debt has on a consumer's FICO score. Bills.com readers report their scores drop in the months following pay-off of old debts. It is unclear why this occurs, and no Fair Isaac & Co. official has explained why this is so. Based on what Fair Isaac has shared in how it calculates FICO scores, paying an old debt should have no impact on a person's score. This is because delinquencies are supposed to have decreasing impact on a person's FICO score as the delinquencies near the end of their 7-year lives. Therefore, if your only goal is to increase your score, then the behavior FICO encourages is to leave the old debts alone.

      However, if your goal is to become eligible for a home loan, then you need to look at your FICO score and your debt-to-income ratio. Compare Person A, who has zero debts anywhere, to Person B who has $25,000 in a mixture of old and new debt. A mortgage lender will not distinguish between the old and current debt when considering the debt-to-income ratios for Person A and Person B. All other factors being equal, it is more likely Person A will be approved because he or she has a low DTI. Person B, on the other hand, may need to pay-off his or her current and old debts to qualify.

      Our advice? If a debt is nearing the end of the FCRA 7-year clock and the collection agent or original creditor who owns the collection account is not contacting you, then the cliche, "Let sleeping dogs lie," applies. If a collection agent contacts you to collect an old account that is a year more away from falling off your credit report, then negotiate a deal to settle the debt. In the meantime, stay current on your existing accounts, such as the secured credit card you mentioned.
      0 Votes

  • 35x35
    Nov, 2012
    rock
    I had an old account with an creditor that was opened in 1996, and should have been paid through a chapter 13. The creditor didn't respond to be on my payment plan with the courts and my lawyer. After 12 years passed, they reported it to Experian in 2008 as a charge off. Is this possible for them to do this 12 years later? I just found out it has been on my Experian credit report for 4 years. Is there a statute in this case or what can I do to get it removed?
    0 Votes

    • 35x35
      Nov, 2012
      Bill
      Under the FCRA, the consumer credit reporting agencies (Equifax and TransUnion are the other two big CRAs) may report a derogatory account for up to 7½ years from the date of first delinquency. The charge-off date is irrelevant to the FCRA 7-year rule. It is unclear from the facts you shared when you stopped making payments on the account in question. It is also unclear in what year you filed the chapter 13.

      My advice? Dispute the derogatory if the date of first delinquency was more than 7 years ago.
      1 Votes

    • 35x35
      Nov, 2012
      rock
      I'm following up on what you suggested me to do on disputing the negative account back in 1996 that's on my Experian report. I stopped making payments on the account back in the year 2000. My chapter 13 started Feb of 2002, and the date of discharge was May 2006. I'm still clueless on why this item is still on my report with Experian and no other credit reporting agency. It's a positive account on my Equifax.
      0 Votes

    • 35x35
      Nov, 2012
      Bill
      Disputing the account should remove it. Please report back and let us know if it works.
      1 Votes

    • 35x35
      Nov, 2012
      rock
      When applying for an credit card, does your bank account play a role in getting approval? If approved or not, does an inquiry lower your score on your credit report?
      0 Votes

    • 35x35
      Nov, 2012
      Bill
      Generally, neither a consumer’s checking or savings account histories are factors in a credit card issuer’s decision to approve or deny an account application. However, if an account has an outstanding overdraft or late fee, this may be reported to the consumer credit reporting agencies, which would cause it to appear on your credit report. This may have an impact on your credit score. It is also theoretically possible that if you have checking and savings accounts with Bank A, and you apply for a credit card with Bank A’s credit card division, the two could share customer history information. Readers, if you have seen this in action, please share your experiences in the comments below.

      When a consumer applies for credit — be it a credit card, mortgage, or car loan — his or her application creates a hard inquiry or hard pull that appears on the consumer’s credit report. Fair Isaac & Co.’s FICO score gives the consumer’s credit score a small ding for every hard pull. How much this “small ding” is exactly depends on the consumer and their existing FICO score.
      0 Votes

  • 35x35
    Nov, 2012
    Barry
    I have been a client of Lex law for about 2 years, and pay $59. a month. I can tell you first hand they work. I went from a 535 credit score to a 655. That recent score does not factor in my bankruptcy which came off this month. Removing negative credit notations on your report takes time. I've had over 10 items removed from each report.
    7 Votes

    • 35x35
      Jan, 2013
      Casey
      I've just started the Lexington Law Program on yesterday, They've chg me $12.99 to pull my credit to see what all was on there, at the MAX showing is 11 neg items and some which shows a $0/bal according to one of the paralegals. (This service is like $99/mos by the way). I am so new to this and was wondering if this is even worth the time. I'm 23 yrs old, I dont have any repo's or bankruptcies on my credit; just old credit card bills and a student loan which I dont start paying on until March this year.. My credit score according to Experian is like 568(I think) according to Credit Karma (516).. Long story short, will Lexington Law help me increase my credit score? and also whats the best ways I can re-establish credit again?
      0 Votes

    • 35x35
      Jan, 2013
      Bill
      According to Bills.com readers, Lexington Law and its competitors have the best success with resolved or fully paid accounts. Conversely, it has less success with accounts where the consumer still owes a debt. Of the 11 accounts you mentioned, how many are resolved or paid?

      You asked how to improve your credit score. Read the Bills.com article 7 Techniques to Improve Your Credit Score to learn the answer to this question.
      0 Votes

  • 35x35
    Nov, 2012
    Meagan
    I just yesterday was given information to contact Lexington. Upon speaking with a paralegal there I was almost convinced that they would be able to help. While on the phone the representative began to ask for my personal information so that we could get started. He did state that I wouldn't be subject to any payment prior to receiving services. However, he told me there would be a $12 or $13 dollar fee for the credit reports for all 3 bureaus. I immediately began to back out once he asked for my social etc. I know that I can recieve a credit report FREE from www.annualreport.com. He assured me that their company was reputatble and has been around for 40 years...blah, blah, blah. I was uninterested once he asked for my info and requested the payment so i told him that I would like to first research the company. Upon googling Lexington Law I was brought directly to this site, and boy am I glad. I've today began the process of disputing the negative remark on two of my credit reports (one of my credit reports is unaffected and has a 100 point difference)! I plan to fight the good fight to get this inaccurate information removed from my credit report. Thanks bills.com for a great article!!!
    1 Votes

  • 35x35
    Nov, 2012
    Kathy
    I just finished writing a letter to the Lexington Law Firm for continuing to take money out of my account after I verbally and in writing informed them I no longer employ their services. I,too, have been working on my credit myself. I had no idea that credit report contain so many inaccuracies. There is at least a 100 point difference between two of my reports and the third one. No one at any of the credit bureas can explain to me how that works. I also found out that none of those numbers really count. It's your FICO that counts, but no one explain what the point in having the other credit bureas is. I'm really frustrated, but I'm not giving up until I get all of the reports accurate. Just feel a little better to know I'm not alone in this endeaver. Good Luck!
    0 Votes

    • 35x35
      Nov, 2012
      Desiree
      Save your money these people suck. No score change how much money do do you really have to spend to see it gets better I did it for one year 89 times 12 equal to 1,068. That's what I spent for what I can not get a phone contact, a house nothing. So how much?Lexington law sucks I did not see improvement to my score they had me believe my score was getting better. They may have worked on my case but what's the whole point if the actually score. Forget them save that money on something else.
      0 Votes

  • 35x35
    Oct, 2012
    Gary
    I am curious to see if this comment makes it on the site. I recently used Lexington Law after working on my credit myself. I did accomplish some things but wanted it to move faster. Ironically, L. Law took credit for everything I did. I used them for approx 6 months. Never got any positive results. Finally decided to save my $100.00 per month. The problem is, after I canceled the service both over the phone and in writing, they kept taking money out of my account. I had to make several threatening phone calls before the stopped taking money. As of the date of this comment I still have not recovered my monies they took illegally!
    0 Votes

    • 35x35
      Oct, 2012
      Bill
      Gary, we publish most comments that are not marketing something. In other words, reader comments appear, and we reserve the right to reject off-topic comments. Thanks for your perspective on Lexington Law.
      2 Votes

  • 35x35
    Oct, 2012
    jess. i dont
    I have an outstanding hospital bill on my credit report. I contacted the collection agency. They informed me they no longer deal with that hospital. When i spoke to them they informed me i didn't have a balance. I disputed it on my credit report. I don't know how to get it removed. I'm unemployed. I had filed for charity care at that time and did receive it. What should i do? I was debating Lexington Law.
    0 Votes

    • 35x35
      Oct, 2012
      Bill
      The rule of thumb is it is a waste of time to dispute an unpaid debt. However, in your case, the debt was forgiven, so that rule does not apply. The mystery here is which entity verified the validity of the debt when you disputed it.
      • Is the derogatory account appearing on your credit report at one, two, or all three consumer credit reporting agencies?
      • What was the result of your disputing the account?
      • Did the original creditor or the collection agent verify with the consumer credit reporting agency the debt was valid?

      The answers to these questions will guide your actions.

      0 Votes

  • 35x35
    Oct, 2012
    Red
    Read a bunch of comments here and decided to add some of my own regarding Lexington Law. I actually was a client for Lexington Law over 10 years ago. I stayed a client for several years, took a break, then hired them again a few years ago. First of all, they're not a scam. They've been around for quite some time and I actually learned about them when they had representatives at a post Chapter 7 bankruptcy support group that I went to 10 years ago. Back then it was about $40/mo..gradually after several years they went up to about $50/mo. You have to keep in mind that things were very much pencil and paper back then even though it doesn't seem too long ago. Lexington would "challenge" my creditors to verify accuracy of my credit cards on my accounts. The creditors had a -deadline- to do this..either confirm or not the accuracy. If they can't confirm, or ignored the challenges, the credit reporting agencies HAD to delete them. Long story short, I got tons of things deleted and even my Chapter 7 (except on Experian). I kid you not! Things are so different now...everyone is online and using computers to do their dirty work. Back then, challenging a creditor meant your letters had to cross someone's desk and be reviewed. These days everything is automated. Where you once were just waiting for a lucky break that someone got too lazy to verify information and missed the deadline, you now are fighting with automated systems that know you've challenged the account 3 times already. To make matters worse, the bigger the company, the worse this is. Doesn't matter who you talk to, Experian, Capital One, etc. are always going to be difficult to remove. It's got nothing to do with Lexington Law. They only do what they can which is send letters on your behalf hoping that a creditor will slip. What you are paying for is the convenience of having someone fire off artillery at creditors hoping one will strike. There are no guarantees, and I really would be upset to hear that Lexington has started making guarantees to people about negative entry removals on credit reports. They just can't do that. I was a client for about 3 yrs the first time and just 1 the second time. The customer service has always been outstanding and speedy. I quit after 1 yr the second time because it was very apparent that removals were MUCH HARDER than it used to be. I think I only got one thing removed after a year and it wasn't worth it for ME. If your credit report is pretty bad, I would probably consider using Lexington because it's really time consuming to do it on your own. If you only have a few things wrong on your reports then it might not be worth the investment because it takes time and luck to get things removed...
    8 Votes

  • 35x35
    Oct, 2012
    Jenny
    I am considering using Lexington Law's services. My husband and I are buying a house and my 679 credit score is causing us to have a high interest rate on our mortgage. I have a $207 collection for a missed appointment from a dentist. I disputed it with the BBB and Attorney General's office, but apparently I signed a financial waiver at some point and the complaint was considered valid. I never paid the $207. Now I am ready to pay it and have it deleted from my credit report. We have about 5 weeks until we close on the new house. Is there even a possibility that I could take care of this in time? Do I send a settlement letter to the collection agency? Or dispute it with each of the credit bureaus? Also, are there other things I could do to immediately improve my score? Close old credit cards, contest the "closed by credit grantor" cards and maybe have my husband take my name off of his car loan? Any advice is appreciated! Thank you!!
    0 Votes

    • 35x35
      Oct, 2012
      Bill
      Jenny, does your loan officer have access to a service like Credit Xpert that provides a "what if" analysis of your credit score? It could show you specific actions that you can take to boost your score e.g., paying down balances to improve credit utilization, paying of collection accounts, or the specific actions you listed.

      Find out from the loan officer if you simply pay off the old collection account and it remains on your credit report, consistent with the laws governing information on credit reports, if you would be able to qualify.
      0 Votes

    • 35x35
      Nov, 2012
      Luos
      I once had Dillards on my credit report. I was successful when I called their collections department and spoke to someone. We agreed that I would pay the debt and fax her proof and they would remove it. Remember, the creditor and can remove whatever they wish when they are ready. After we agreed on terms, she faxed me a letter saying (and I paraphrase), dear Mr. Nodlaw, Dillards agrees to remover "blah blah blah" if the complete debt of $xxx is paid in full by "date". I went to Dillards, paid the debt and faxed the receipt copy to her. AS promised, it was removed from my report the following month and hasn't been there since. I was able to do this a few times. in your case, perhaps you can take the faxed letter and contact the credit agencies and send them a copy. just reporting what I experienced.
      1 Votes

  • 35x35
    Oct, 2012
    Andrew
    Hi Thank you for posting insightful and helpful tips on how to repair ones credit. Here is my question:Lets say you have the opportunity to pay off all your debts, how long would it take to reflect on your credit score and is there a third party out there that could assist in making this go faster in less than 30 days per se.
    0 Votes

    • 35x35
      Oct, 2012
      Bill
      How quickly a payment appears on your credit report depends on when you make the payment, what timing the creditor uses to make its reports to the credit bureaus, and when the bureaus update your report. It can take as long as three months, but 45 days is more common.

      You don't say why you want your score to move quickly. Perhaps you want to apply for a loan? If you were dealing with having some inaccurate information taken off your credit report, you could see if your lender can do a rapid rescore. Rapid rescoring expedites the removal of the incorrect information.

      Some lenders also work with credit score simulators. Programs like CreditXpert's What-If Simulator help a lender guide a borrower to take specific actions that will boost the borrower's credit score.
      1 Votes

  • 35x35
    Oct, 2012
    A
    Today I signed up with Lexington to address a >6 year old unpaid corporate credit card. My former employer never paid off the remaining business expenses once I left and before they went out of business. I contacted the creditor recently and they informed me that they were not even looking to collect but would not provide any written documentation stating such. I don't want to settle with the credit card company because the company should have paid the balance and from what I understand, the account will no longer be on my report 7 years from the last payment anyway. Either way, I would like to begin to fix this problem sooner than later and hope Lexington can help. In the mean time, I will continue my research and thinking about whether Lexington is a service that will benefit me so that I can cancel if need before my 3 days are up...maybe with more research I can handle this myself.
    0 Votes

    • 35x35
      Oct, 2012
      Bill
      Which problem is the biggest priority, clearing the debt, so you can't be sued, or getting the debt off of your credit report. As long as you owe a balance, you're at risk of being sued. If the creditor is saying it won't try to collect, or if the statute of limitations has passed, the worrying about collections may not be a priority.

      However, as long as there is a balance owing, the best choice seems to wait until it is seven years after the date of first delinquency, when it will fall off automatically. Until then, if a balance is owing, even if the debt is removed through a process that Lexington Law uses, the debt will likely reappear. I don't know what Lexington Law tells you, in regards to this, but would be curious to hear.
      0 Votes

    • 35x35
      Oct, 2012
      A
      Concerning the corporate card, I was told that they would basically draft challenge letters to the 3 bureaus and to the creditor, putting the burden of proof on the creditor. There is a certain amount of time to respond and based on the response (or non response) determines the next steps. Details were a little fuzzy concerning what I can expect in terms of timeline and more specifics around the process. I expect to call back with more questions tonight. I'm leaning towards canceling simply because it sounds like I can do this myself with a little time and effort and if not will just have to wait it out.
      0 Votes

    • 35x35
      Oct, 2012
      Bill
      If I read between the lines of your initial comment correctly, you don't deny that you were listed on the corporate account. It is possible that the strategy that Lexington Law could work, but doesn't the creditor have the ability to show that your name was linked to the account? Even if the creditor does not respond within the 30 days, when the debt is not paid off, it will likely come back onto the report. I think that your best bet is to wait for the account to come off on its own.
      0 Votes

    • 35x35
      Oct, 2012
      tarun
      This is one of the best posts I have read on fixing credit (by yourself or by hiring a credit repair firm). Thanks everybody for taking the time to help others. However I have one confusion and if anyone who is knowledgeable enough can resolve that, I will be extremely thankful. I have about nine negative items on my credit report. All have been paid off and accounts have been closed about 2 years ago.
      • Five are collections which have been paid in full and closed.
      • Four are late payments which have also been paid in full and closed.

      Now I am dying to get these removed somehow and I'm confused how should I go about it. Should I:

      1. Call the creditor and request him to delete it from my credit report, but why would an old creditor which has no business with me anymore take the pain of notifying the bureau or is it a common practice and he will do it?
      2. Start a dispute claim with the bureau, and expect when bureau will write a letter to the old creditor, he will just ignore it since the account is settled and closed, and after 30 days of no response (or good response) from creditor the bureau will remove the entry from my report.
      3. Some combination of 1 and 2 where I will request the creditor to remove the entry and get a letter from him and show it to the bureau or request the creditor that he will receive a letter from the bureau and request him to please ignore it or reply with a positive response.

      Please help!

      0 Votes

    • 35x35
      Oct, 2012
      Bill
      1. What you describe in your question No. 1 is a called a goodwill letter. It has this name because in this letter, you appeal to the goodwill of the creditor to take an extraordinary step it has no other reason to take. Its only motivation to remove the derogatory collection account from your credit file is the hope you will tell your friends how great the company is, and removing the account will cause you to become a loyal customer in the future.
      2. What you described in point No. 2 is a common hope and tactic.
      3. You have no reason not to try No. 2 if you strike out with No. 1.
      0 Votes

  • 35x35
    Oct, 2012
    Justin
    I just signed up for Lexington Law last evening to see if I can move a particular charge-off and a few inquiries off of the report. I do not go for negative publicity, so I will post again in two months to see if we have made any progress.
    1 Votes

    • 35x35
      Oct, 2012
      Bill
      That's great Justin. Keep us in the loop on your situation and progress (hopefully success!) with Lexington Law. It'll help the whole community.
      1 Votes

  • 35x35
    Sep, 2012
    jacqueline
    My questions relates to past due items that were charged off by the grantor and sold to a credit collection agency and subsequently "settled for less". I have 3 accounts that fall into this category. The accounts were settled for less through the credit collection agency, now BOTH the grantor and collection agency are reporting on my credit report. The charges are legitimate as are the charge-offs and subsequent payments to the collection agency (SST?). If possible, how do I eliminate one or both of these agency's reporting to the credit bureau? My credit scores are currently Experian 663, transunion, and Equifax 651. All the bad credit comes from a period of great financial turmoil in my life, over a short period of time.
    0 Votes

    • 35x35
      Sep, 2012
      Bill
      If the accounts in question were settled and brought to a $0 balance, you can try the methods a credit repair firm uses, either on your own or by hiring a firm like Lexington Law.
      0 Votes

  • 35x35
    Sep, 2012
    D
    I joined Lexington Law back in February 3,2012. From the start I was skeptical because of all the information I thought they should know judging from my submitted credit reports I sent them. The Next month they really got the ball rolling when I logged into their web site to check their results. I had a total of 31 negative accounts including inquiries and that month (March) Equifax deleted 4, TransUnion deleted 9, and Experian deleted 6. Since then, I have had seven more deleted from all three credit reports. Anything I recieved by mail from creditors, I just fax directly to my paralegal at Lexington Law and they handle everything. With the exception of printing out my inquiry dispute letters and mailing them every month, they made everything easy. Sure I messed up my credit at the age of 17, (NOW 33), I paid past bills off and still ended up having very bad credit 520,586,520. I checked my new credit score so far with TransUnion and I have a 730. I am still awaiting credit scores from the other two. But I wished I knew of this dept relief before I dug deeper holes into my credit score. I couldn't finance a used car without a deposit of at least $2500. Now I have 3 vehicles all paid for and pursuing a mortgage in the next month instead of renting. My paralegal is nice, very fast as far as paper work, and dependable. I don't think she has ever used a sick day at her job because she is always there. I receive credit reports and the past negative credit are gone from all three credit reports. For a $100 a month contract, they deserve more, believe me!
    9 Votes

  • 35x35
    Aug, 2012
    Melissa
    I hired Lexington in late May to assist me in cleaning up my husbands credit report. In the first month there was a data entry "error" on their part that showed 12 deletions from 1 CRA. I questioned this with 1 of their reps & was told some ridiculous response that the CRA "knew we were going to challenge all the negative items so the just deleted them" - legit word for word this is what I was told. After several other inconsistent answers from them (I really want to say blatant lies) & really not much movement as far as deletions go, I decided to cancel as I feel I could truly do a better job myself. Oh the final straw for me was learning that when they send a DV to a CA they never send CMRR - to me that is credit repair 101!!!! They really are a joke. Would NEVER recommend.
    4 Votes

  • 35x35
    Aug, 2012
    jay
    My wife and I used their services and they were lousy!! I only had 3 items I needed to have removed and in 6 months @80.00 a month they couldn't even do that. By the way these debts were charged off or paid off debts. My Wife's credit was worse than mine but after six months @ 80.00 for her too her credit score was exactly the same as when we went in. Do the research and do this yourself DO NOT HIRE LEXINGTON LAWFIRM.
    2 Votes

  • 35x35
    Aug, 2012
    Ivory
    I signed up with Lexington Law February of 2012 and the progress with them is actually quite good. So far I have had 4 items removed from transunion, 3 from equifax, no luck yet with experian but I know from past efforts they are always the hardest. Many people on here keep saying that lexington law is a rip off but they fail to realize the debt has to be settled first. You cannot expect removal of a debt that is still outstanding. Contact your creditors, make settlements and then use their services to negotiate removal.
    2 Votes

  • 35x35
    Jul, 2012
    K
    I looked to Lexington Law for service on May 1, 2012. I went with their premium $99 service plan as I wanted rapid rewards with the quickest turnaround. We are now about 1-2 weeks away from our 3rd full month of service and I have had 9 Items removed out of 39 total items split between all three agencies. 3 of the items removed were Liens from the IRS.. Sadly only 1 has been through Experian and 2 through Equifax. I was curious why TransUnion was so well to work with. The answer I got was kind of shocking but not something that I have read on the internet. They have a special agreement with TransUnion and get faster responses from them.

    Before I started I had scores of Equifax 614, TransUnion 590, and Experian 617. By the end of the first month cycle I was now at Equifax 650, TransUnion 654, and Experian 651. Was excited by these results, overwhelmed with joy and curiosity on what the next month would show.

    In the middle of July I had a rather awkward item posted back to my credit. A bankruptcy was added to my account, however the information date was posted for the year of 1969. I was born in 1974. I cannot pull another credit score and report for 7 days to prove it is actually there to show Lexington Law this mistake so I am a tad nervous about this issue.

    Overall, I am pleased with the service. The support staff is really a call center of people trained to read scripts. I would not expect to get any real advice or legal information from the front-line people, but when they do not know an answer they ask to put me on hold to get more information.

    I would recommend, like previous posters, to pay your current debts. If you have active trade lines don't plan on getting them removed because that won't happen. Pay your bills.
    2 Votes

  • 35x35
    Jul, 2012
    Richard
    I contracted with lexington law in march of 2007, my negatives were 1 unpaid collection for 7k, 3 paid medical collections,1 30 day auto payment, and 1 30 day mortgage payment. To my surprise,the unpaid collection came off immediately. The remaining negs were removed within 9 mos. My median score prior to using lex. Services was a 678, when completes in dec 07 median score was 791. I would recommend the lexington law firm.
    4 Votes

  • 35x35
    Jun, 2012
    Tiffany
    I just hired Lexington Law last night even though I read alot of bad comments about them I need to try for myself. I have 11 things negative and some of them I have paid off just sitting on my credit. I would like to buy a home and I hope this company helps me.
    1 Votes

    • 35x35
      Jul, 2012
      Lexington
      We're looking forward to assisting! Be sure to log-in to the website, call, or email with any questions.
      1 Votes

    • 35x35
      Aug, 2012
      new orleans
      OK. We're we about to get the truth. I signed up with Lexington Law on around 7/10/2012. I have 7 Equifax, 11 Experian, 4 TransUnion. I pay 99 per month and as of today, 8/15/12, nothing has come off.
      3 Votes

    • 35x35
      Aug, 2012
      Bill
      Stacey, if you hired them last month, it is too soon to expect to see results already. Please keep us posted on how the process works for you.
      3 Votes

    • 35x35
      Oct, 2012
      rodney
      My question is after 7 years of owing a debt and it's removed from your credit report can the creditor send it back to the credit bureau and it reappear on your credit report?
      0 Votes

    • 35x35
      Oct, 2012
      Bill
      Re-aging a debt is illegal under the Fair Credit Reporting Act, a federal law setting the rules the consumer credit reporting agencies and creditors must follow.
      0 Votes

    • 35x35
      Oct, 2012
      rodney
      Thanks glad to know that and i been reading a lot of comments about lex law on being a neg situation and some comments that are good about them but the bottom line if your debt is current and not paid lex law can do nothing but if you pay your debt and have a zero balance with your creditors your neg. items can be remove thru a company like lex law or whoever you choose. I myself had a great service with them. Good luck people. Having good credit is a great thing. Pay your bills!
      0 Votes

    • 35x35
      Oct, 2012
      rodney
      My question once again i have one neg item on my credit report and its a charge-off from 1996 that iam disputing with the creditor and the bureau, but should it be a statue on the neg item to be remove and not to mention its 16yrs old
      0 Votes

    • 35x35
      Oct, 2012
      Bill
      If the date of first delinquency on the derogatory account was in 1996, this should have been removed from your credit report(s) in 2003. The Bills.com article Dispute Credit Report explains this process step by step. Follow the steps precisely and the derogatory should be removed by the consumer credit reporting agency or agencies reporting the derogatory.
      0 Votes

    • 35x35
      Oct, 2012
      scott
      DON'T USE LEXINGTON LAW FOR ANYTHING!!!After not getting the results I anticipated, I e-mailed them to cancel and rec'd a reply stating they did. After a few months, I noticed they kept billing me, so I requested a refund but they refused saying it was for work performed!!! SCAM!!!!!!!!!!!!!SCAM!!!!!!!!!! SCAM!!!!!!!
      0 Votes

    • 35x35
      Nov, 2012
      Terry
      I used Lexington law for almost three years and so far they have deleted 57 negative items from my credit report,I went from a 530 to 700's! I love it.
      0 Votes

  • 35x35
    Jun, 2012
    Cynthia
    I've been with Lexington Law about 3 months in that time they have taken a total of 9 negative things off my credit reports. My credit is still only in mid-500s but thats because of my own past credit mistakes most of us make when we're in our early 20s. Not to mention a divorce and evil ex husband who defaulted on his car loan which I was cosigner for. In my opioion they have been a great help since he had 60day late payment plus repo not effect my credit one bit. I'm sure when all is said and done it will be well worth it, YES, its expensive about $100 a month but you will save thousands between interest on high rates for having bad credit.
    3 Votes

  • 35x35
    May, 2012
    Stefanie
    Hi everyone. So I posted about a year ago that I started with Lexington Law. I am currently on my last month before I will no longer be with them. In May 2011 I had 7 collections, 0 credit cards, and 1 120+ late payment on a student loan. My scores ranged from 440-530 between the 3 credit bureaus. Though the process was really slow and possibly I could have just used all the money I paid every month to pay off 1-2 of the collection companies, it was still worth it. NOT everything has come off, but I am down to 2 collections, and 1 of the 2 was not even on there originally when I started, it just came up out of nowhere, but it is legit. My scores still aren't the best but that is mainly cuz I have been focusing on building credit and working towards getting a "real" credit card with a high credit limit. I started off with 1 credit card in may 2011 which was the only place that would approve me...First Premier Bank. Super high APR (49.9%) and a really low credit limit. Definately not something I wanted but it was a start. After a couple months Lexington had 3 collections removed. I then decided to upgrade to their highest package so that I could have access to their inquiry letter assist. The letters are created/generated with a random formart. I noticed they only had 3 or 4 different formats but it still was better than what I would write. Though I crossed my fingers and hoped that the letters would at least remove some inquiries I think I only maybe got 1 or 2 inquiries removed from 1 of the 3 credit reports. So they weren't really effective. These are letters you have to print out yourself and mail yourself, Lexington Law doesn't do this for you even though you pay them $90 a month. So after a few months I went back down to the lowest package ($49.95) which all they do is mail the credit bureaus not the creditors. That was pretty effective too because after a couple months I had a BIG collection come off all of my credit reports (it wasn't all in the same month but within a couple months of each other.) Anyways, I closed the checking account that they were withdrawing from and requested to no longer have their services after this month is up. I don't think that there is anything left they can do for me. I will probably end up settling the last 2 accounts once I can. But the good news is, because of the work Lexington Law did I was able to get approved for a $650 credit card, and more recently just received a $2500 credit card from my credit union. I have sock drawered the couple of $300 cards and hope to be using only one credit card soon. My credit union wouldn't even consider anything 1 year ago, and now they tell me that if I can get my last two collections cleared up they will work with on getting a mortgage loan. As of 5/18/2012 My Experian score is 596, Equifax is 576, and Transunion is 676. Still not the best but much of an improvement of where I was at. Hope some of the rest of you have decent results as well!
    9 Votes

  • 35x35
    May, 2012
    Jimmy
    I wanted to post my experience so far with Lexington Law so far, I joined the program in February 2012 and so far I am amazed on the improvements on my credit report. I was looking around for any reputable credit repair company Lexington law always came up in my different searches but there were some negative comments and I was kind of reluctant to give them a try. I felt like I didn't have much of a choice because I wanted to finance a new car and purchase a home a near future. In the end I went with Lexington Law and I am glad I did because I went from a 550 Credit Score to 660 Credit Score and hopefully it will continue to go up! My credit report consisted of a chapter 7 bankruptcy, tons of paid collections accounts and late payments. So far nearly half of my negative accounts are gone.
    8 Votes

  • 35x35
    May, 2012
    Christina
    OKAY!! Sooo my experience started out good and then quickly went down the drain.. I was told it was a 2 for 1 deal so I went for it.. I was told the charge would come out on the 27Th and I asked for it to be the 1st instead... NOOOPPPEEE!! They tried to charge my account on the 27Th and then accessed a 19.95 reprocessing fee... Then on the 1st when I know I HAVE money in the account I get yet another email saying the card was declined... So I called and was THEN informed it was not a 2 for 1 deal and it was actually 45.99 for the first month which actually was only 2 weeks each.... So for the first month looking at almost 100.00 for my husband and I... Then after that they want to charge 95.99 each... I DON'T THINK SO!!!! YOUR A SCAM AND TAKING PEOPLES HARD EARNED MONEY!!!! GO TAKE A LONG WALK OFF A SHORT PIER!!! I will be calling my bank to contest the charges.
    6 Votes

  • 35x35
    Apr, 2012
    David
    In a nutshell, Lexington does extremely poor quality work, has no customer service, will not honor their refund policy, and has many links on the web designed to look like real customer reviews that are actually just advertisements.
    8 Votes

  • 35x35
    Apr, 2012
    James
    My wife and I enrolled in Lexington, but not after considering everything. I have been working in the Mortgage business for 7 years now and Lexington keeps coming on top with quick and great results. Before going to Lexington I was able to remove 2 collections off my credit report and verify none of the other collections companies were even interested in collecting due to their lack of responses. I simply asked the collections companies to verify they still hold the debt and verify they are collecting on the debt. One verified and then ignored my requests for 100% payment in turn for deletion, and told them that would be the only way they will get paid. Never heard from them on the attempt to pay, instead I got a letter from them saying deleted with the proof of deletion. Saved me $300. The other collections company that removed themselves told me they could not verify. I responded by requiring immediate removal, and they did. Saved me another $1,000. All other collections companies ignored me, even after my stating if they continue to ignore me, I will take that as not ever having owed them the debt and will require immediate removal. Yup, they never removed themselves. At this point I got so busy with 2 jobs, I wasn't able to work on this anymore. I pulled my wifes report to see what we could do to begin the process with her reports. We noticed a judgment on there, a judgment we weren't even served on. With time not really in plentiful supply, we contacted Lexington and got moving on their top tier plan, this was May 2011. Within 3 months my wifes judgment was gone and so were about 7 collections on each credit report, meanwhile nothing changed on mine at all whatsoever. At the 6 month mark, Lexington was bugging me for new credit reports. I told them nope, not until I see enough has changed to warrant paying for more credit reports, but they did get my wifes credit reports since the opposite happened. A month later I got a couple of unsecured credit cards to begin rebuilding an unfair FICO score. In January I got all three credit reports to make sure the credit card companies were properly reporting, and they were. My score jumped from 515 to 620, not high enough, but good enough. In February, my score took a dive to 510. A new collections attorney showed up referring to a debt the original creditor did not want to take my money on, even have it in writing. At about the same time my wife and I both get a letter from said collections attorney stating they are not on our credit reports unless we paid up within a reasonable amount of time (first letter we ever received from them). Besides the obvious federal law violation in their letter, we had Lexington verify. The attorney verified very promptly, still ignoring the obvious federal law violation by lying about the credit reports. After immediately sending in the verification (very well done at that), Lexington chose to do nothing. 3 weeks later and still nothing from Lexington. I contacted them via email (for written response record) to find out what they are waiting around for since the attorney verified. I guess Lexington was waiting around for the next round of verifications to go out to the attorney who already verified since Lexington's response was an accelerated process to force verification. Really? On a verified debt? How dumb can they be? I told them to forget about the attorney, I will handle them. What happens? Lexington sends out a verification letter to the Attorney. Really? After telling Lexington the attorney is attempting to collect a debt that the original creditor refused to collect, the original creditor failed to provide a statement charges (which includes illegal charges the attorney cannot collect on), and the attorney states he is not on my credit reports yet is? Looks like Lexington wants to harass on my behalf. Sorry, homie don't play that. However, Lexington did manage to remove 1 collections item of 1 credit report of mine in March, thats all they have managed to remove for almost a year. For how little they have accomplished since the first 3 months, they have not been worth a penny. The first three months was great, after that nothing. The collections are all stuff I will pay, but I want something in writing from the collections companies that verifies they still have the debt, the amount, and where they got the debt from. It's all for my safety from crooked collections companies. If I get all that, the pay for delete comes in. I guess once verified, Lexington starts dropping the ball and become completely worthless. Some law firm if they can't see the whole process through. Let's not get started on their website. Let's just say they ignore every bug I tell them about, something you don't do with a web developer.
    7 Votes

    • 35x35
      May, 2012
      Jane
      This is to James K. So, If I am reading your message here correctly, you through the collection agencies first asking for verification of the debt. If they responded, then you made a request based on the response. Example - the collection agency was unable to verify the debt. Then you requested that it be removed from the credit reports. It seem like that worked for you pretty well. I am in the process of cleaning up mine and my husband's credit reports. But the advice that I was given was to send a dispute to the Credit reporting agencies and let them do the work of getting in touch with the collections agencies. Has anyone followed this route and if so, how much success did you have with it? Thanks Jane L Akron, oh
      1 Votes

    • 35x35
      Jun, 2012
      Kimberly
      I went through the credit bureaus to dispute/verify items on my report. What I got was not what I would ever recommend to anyone! The credit bureau, Experian I think, did decide that the items I was questioning were not actually mine and put a 7 year credit alert on my file. This meant they were showing identity theft on my account and I was no longer able to apply for any credit anywhere! So they did acknoledge that the items wern't mine, but still managed to punish me for it. Be carefull if you decide to go that route.
      1 Votes

    • 35x35
      Jun, 2012
      Bill
      I would like to know more about the "credit alert" you described, and why such an alert would have a detrimental effect on your credit score.

      Is it possible Experian put a credit freeze on your file? If so, this will not have an impact on your credit score, but will make it impossible for a potential creditor to pull your credit file without your permission. A credit freeze is the response I would expect from a credit reporting agency in a situation where identity theft has occurred.
      0 Votes

    • 35x35
      Jun, 2012
      Kimberly
      Yes it was a freeze as you said. The problem was that whomever i was trying to obtain credit from was able to pull my credit but the freeze kept them from being able to authorize any new credit because the freeze basically states that there has been fraudulant activity on your credit file. No amount of authorization or proof that I was who I said I was would help. I was finally able to get the freeze released but it took some doing. I understand a temporary freeze when fraudulant activity shows up but this was rediculous. The bureau stated that I would have had to request an extended freeze for them to have place it, but I didn't. When it all finally came to an end they stated that they did it for my own good! Now I just dont see how they have the right to punish me because of identity theft. I still have more items on my credit that are not mine, but now I am afraid to try to fix it myself for fear they will freeze my credit again. I am considering an agency to help with these types of matters.
      0 Votes

  • 35x35
    Apr, 2012
    Teyonna
    I have been with Lexington Law for 2 months. All three of my credit scores have dropped! I not sure if this is normal. I am very disappointed with the results so far
    2 Votes

    • 35x35
      Apr, 2012
      Eleonora
      Stop wasting your money with lexington. They are scam and can't do nothing, only will take your money forever from your card until you report them to your card. Good luck.
      4 Votes

    • 35x35
      Apr, 2012
      Bradley
      Funny thing, you have to either pay off or settle your debt (or have it super old, charged off, forgotten about). They aren't magic. If you have current outstanding debt the companies are going to keep reporting and verifying that it is your debt all day long. it is your fault your score is going down not theirs. You failing to read and comprehend what they do is also not their fault. Don't even bother wasting time telling me that I work for them either. That is an ignorant come back.
      5 Votes

    • 35x35
      Apr, 2012
      Zee
      Exactly!! How do they possibly think Lex can remove something that is still owned I so agree with your statement. I mean bottom line you created the debt then you need to pay for it. I too DO NOT work for Lex Law I just know it has done wonders for us and our situation. Again pay your debt people. It's that simple -- if you want results pay-off the debt first.
      5 Votes

  • 35x35
    Apr, 2012
    Nicole
    I contracted with Lexington Law at the end of January 2012. Before I "hired" them, I asked if they could remove bankruptcy and they told me yes. After three months with no positive news and a declining bank account, I made an inquiry to the company. It was then that I was told that there could be nothing done with bankruptcy until a year has lapsed (mine was January 2012). I was very angry and requested a refund because I was paying for the highest plan which included credit monitoring. If someone had been "monitoring" my report like I paid for then why wasn't the bankruptcy flagged. I complained about misleading information and unethical practices. They have since refunded all of my money.
    5 Votes

  • 35x35
    Apr, 2012
    Korinne
    I recently applied for a rent to own company. they put me through with lexington law to help my credit. after reading some comments on here im not so sure i am doing the right thing. my credit is in the 500 area and i have a lot of medical bills in collections and a vehicle repo due to my ex-husband. can lexington law really help me or am i wasting time and money? i just need some assistance on, step 1, step 2, step3 to rebuild and fix my credit so i can buy a house. i feel lost and don't know where to start
    1 Votes

    • 35x35
      Apr, 2012
      Bill
      You have two issues:
      1. Delinquent debt, which is causing a...
      2. Low credit score

      If the medical debt and repossession are recent events and in active collections, then your focusing on removing these items from your credit report is like painting a house with unfixed tornado damage. Start with the Bills.com Debt Coach for no-cost, no-nonsense advice on how to resolve your debt in collection. Debt Coach gives you your options, and the cost for each.

      Once you take care of your debt problem, then focus on your credit score issues.

      3 Votes

  • 35x35
    Apr, 2012
    Brandi
    I broke a lease back in 2007 and was sued for damages and remaining rent due. I paid the awarded amount about a week after the court appearance. My credit report currently reports this as a "judgment." I've been trying to do some research about how to get this removed or fixed, and I'm even more confused than when I started. From what I have found, I can show proof of payment and get the judgment changed to "satisfied," but that is still very detrimental to my credit score. I'm also unsure about if this will renew the 10-year time limit on reporting of the judgment. I have also found numerous explanations of ways to get the judgment completely removed from my credit report. This is the goal I have in mind, but am unsure of how to achieve it on my own. I've been thinking of hiring a credit repair organization such as Lexington Law, but am unsure if it is worth the hassle. Anyone else had a similar situation?
    0 Votes

  • 35x35
    Apr, 2012
    Mary
    I used Lexington Law services for almost 2 years. I only had 1 negative item, which was FRAUD. My ex-husband added me on his account without my permission and I ended up with his debt ($27,000) in my name. For those 2 years, Lexington Law was NEVER able to help me. I kept calling them twice a month, and nothing was resolved.

    I decided to stop using their services and start with ACADEMY CREDIT. On the very first month they told me to go in person to an BANK OF AMERICA agency, and file an AFFIDAVIT OF FRAUD, which ended up to be the perfect and effective solution for my case. Here I am, only 3 months later, with my negative item removed from my credit report.
    1 Votes

  • 35x35
    Apr, 2012
    Uniqea
    I recently had lexington law call me, today actually, the only thing on my acct are credit cards and a bank acct that someone got in my name without my permission. The company claims they can help me with this matter, does anybody know how valid this promise is? I cannot afford $100/mo for someone who is not going to help me. And if not, does anybody have any other suggestions?
    2 Votes

    • 35x35
      Apr, 2012
      Bill
      Who opened the cards? Someone you know? Was it identity theft by a stranger or or a friend abusing your trust. Did you report this activity when it happened.

      Start by contacting the three credit bureaus on your own, disputing the presence of accounts that you never opened appearing on your report.
      1 Votes

  • 35x35
    Apr, 2012
    Renee
    Hi, I'm in my late 20's and am ready to clean up my crerdit. I'm thinkig of using Lexington Law and have been reading all of the comments. I've noticed a common theme...pay your debts first. With that in mind, can anyone suggest a company that can assist with debt settlement?? .does anyone have any thoughts on them? Thanks!!
    0 Votes

    • 35x35
      Apr, 2012
      Bill
      I have a recommendation and some reading assignments for you. First read the following Bills.com articles:

      Read the reviews Bills.com offers for debt settlement companies, including Freedom Debt Relief.

      1 Votes

    • 35x35
      Apr, 2012
      renee
      THANKS!!!
      0 Votes

    • 35x35
      Apr, 2012
      Brian
      Call Freedom Debt Relief; I have had very great success with them with debt. Lexington Law Firm is great for items that are paid off to where they provided me success for deletion before 7 years of state statue.
      3 Votes

    • 35x35
      May, 2012
      Steve
      Thanks, I've been trying to figure out how to go about getting some of these things done thanks to some of the information that you have posted i can start to get a handle on the situation. I'm a disabled vet who has a poor credit history due mostly to medical bills from the period of time between the final injury that pushed me over the edge into the ssd system and when i had to stop working due to the injuries etc.some of the items have come off but i still have a few things on there that are in that grey aria so to speak. for ex. i was transported from a local hospital to the nearest v.a.hospital by ambulette and billed for the service i submitted the bill to the proper v.a. dept. with in a week of receiving same only to be told by the v.a. that they will not pay this bill since it was submitted more than 30 days after the service was provided however i did not receive the bill for the service until 45 days after the fact. I'm still fighting with the v.a. about this bill since i did not order the service. I'm hoping to get this resolved soon in person.long way around things but thanks for the good info you've posted. I really appreciate it. Steve
      0 Votes

  • 35x35
    Apr, 2012
    gladys
    I had amazing success with Lexington Law, my credit score went up so high that I was able to buy a home, after I had great credit I was able to obtain a couple of credit cards as well. Its been great, I would totally recommend it to anyone. If you didnt get good results, its probably because you didnt follow up, login to stay on top of your case.
    10 Votes

  • 35x35
    Apr, 2012
    Jayson
    I had incredible success with Lexington; in fact, I had TOO good of success with Lexington. Why? Well, first, I had more than 12 deletions through their services. How is that bad? Because I didn't know any better, I was having them remove a couple of POSITIVE trade-lines. Maybe they tried to tell me "Hey, are you sure about this dispute?" maybe they didn't and should have. Either way, I'm NOW looking at re-instating my contract with them, so I can get help with the remaining 4 marks left on my reports that I'm fairly certain they can help rid me of 3. Mind you, this was probably 4-5 years ago +/-, but I wish I had the credit repair knowledge THEN, that I have NOW, through reading a TON on myfico.
    1 Votes

  • 35x35
    Mar, 2012
    jenn
    Lex Law acually helped me a bunch. Brought my scores up from 450 to 700!!!
    17 Votes

    • 35x35
      Mar, 2012
      Alicia
      How long did it take to get results?
      10 Votes

    • 35x35
      Apr, 2012
      Jo
      10 years..... don't be fooled because that just does not happen. Even with removals your credit score does not "jump" to 700... you have to establish "good long term" credit as well.
      1 Votes

    • 35x35
      Oct, 2012
      Joshandmadeleine
      We started Lexington law in January 2012. My husband's score was around 500 and now it's 690. My only complaint is that we have 3 items left to be removed before he has a clean credit score. They are contesting 1 item at a time to drag it out so we pay them longer before it is completed. Lexington doesn't remove your debt. That's not what they do. Just clean up your credit report on items that should not be there.
      0 Votes

  • 35x35
    Mar, 2012
    d
    I paid lexington law for six months and my credit score was lower than when I started with them. Huge ripoff.
    5 Votes

  • 35x35
    Mar, 2012
    HECTOR
    lexington law group are lawyers that are in the fleecing business, they will take every 99.95 that they can, and not think twice do not hire them to represent you in fixing credit! they will do nothing to help other than helping them self's with your money. its a scam and they challenge you to break there iron clad contract. remember they are lawyers ! so do not waste your time with this firm and your money , i am not the only one saying this read and inform your self before you hire them , bank of america and student loans for sure they can not help so keep your money and seek help else where!! i personaly hired them on a saturday and by monday 99.95 was taken out of account they claim you have 5 days to cancel but they include saturday and sunday as a day because they are open ? so by the time you get some body on the phone to cancel they have already staged there scam to cheat you out of 99.95 and if you do not cancel they will continue to dip into your account and take 99.95 and if you don't have it anymore than there is one more bad credit your going to have to clean ! the people you hired to help clean your credit perfect legal way to cheat you out of money !
    0 Votes

  • 35x35
    Mar, 2012
    Lora
    I spoke with Lexington Law today and they said they would be able to remove my bankruptcy that discharged April 2011, and my short sale from November 2010...If those are actual, true events that did occur, can they truly get them removed from my credit report?
    1 Votes

    • 35x35
      Mar, 2012
      Bill
      Yes, sometimes. This is a bit of an oversimplification, but the system works like this:
      1. The consumer or Lexington Law contacts a credit reporting agency with a statement that a particular derogatory item appearing on their credit file is incorrect.
      2. The credit reporting agency contacts the creditor in question, and says in effect, "Is this information here accurate?"
      3. The creditor has a set amount of time to respond. It can respond with a yes or no with corrections.
      4. If there is no response, the credit reporting agency must delete the derogatory in question.

      The open secret here is some creditors do not respond to the "Is this accurate?" query. If the consumer is lucky, he or she will hit a streak of creditors who do not respond. The creditor most likely to not respond is one that has reached a settlement agreement with the consumer to resolve the debt. That is why we recommend consumers resolve their debts before attempting credit repair.

      4 Votes

    • 35x35
      Apr, 2012
      Jo
      All above is true accept the "creditors must respond in a certain time". Yes, there is a law that says they must but no court will enforce this law. The letter they send out is called a "dispute", creditor simply can ignore it an take over a year (know that as a fact) an nothing can or will be done about it (how long they can go I don't know the answer) the credit bureau (TransUnion, Equifax etc. ) will remove sometimes but not always as well. Also the creditor can prolong it by just saying yes the debt is valid, nothing more. The proof part again can be strung out well over a year....
      0 Votes

  • 35x35
    Mar, 2012
    edward
    they are dishonest about fees and couples discounts
    0 Votes

    • 35x35
      Apr, 2012
      Bradley
      No they are not.
      0 Votes

  • 35x35
    Feb, 2012
    jackie
    Lexington law sucks!!!!! biggest scam ever!!! don't do it!!!!
    1 Votes

    • 35x35
      Apr, 2012
      Bradley
      For those who fail at understanding what they do, how they do it and do not do what they advise.
      0 Votes

  • 35x35
    Feb, 2012
    Michele
    My husband had an auto repossession that charged oin '03 off with Triad Financial. The company was bought out right completely by Santander and the account was converted from a Triad account to a Santander account in either '08 or early to mid '09. The "charged off" triad account already cycled off his Transunion and Experian credit reports during the period on or before 9/09. Well a lawfirm acting on Triad's behalf named "Mullooly, Jeffrey, and Flynn" in Syosset N.Y. (Joe Kennedy Credit manager) made a settlement offer which we accepted and paid in 6 increments from 7/09 to 12/09. He did not mention anything about Santander no included this company on the settlement offer and settlement paid in full letters. All of a sudden, Santander appeared on my husband's Transunion credit report in 11/09 as if it was a brand new account. It did not reference Triad's information at all. We disputed this with Transunion and it was removed. In February 2010, the Santander account appeared on his Experian report. We have been waiting patiently for Lexington to handle this and they are privy to all the above information. No results as of yet. However, after I have been diligently contacting the lawfirm to have Santander at least reflect that the account was settled which as of this month (Feb. 2012) it finally is correctly reflected that the account was settled. However, they still do not reference Triad. IT IS THE SAME ACCOUNT! IT ONLY HAS A DIFFERENT ACCOUNT NUMBER BECAUSE OF THE ACCOUNT CONVERSION FROM TRIAD TO SANTANDER ONCE SANTANDER PURCHASED TRIAD. If this is not a SNEAKY WAY TO RE-AGE THE SAME ACCOUNT I MUST BE CRAZY! Please tell me what we can do at this point beside hiring an attorney because I am tired of paying lexington $80.00 a month for doing NOTHING!!!!!
    2 Votes

    • 35x35
      Feb, 2012
      Bill
      Under the FCRA the only significant date used to determine when a debt can appear is the date of first delinquency. All other dates, including date of settlement, date that a collection agent purchases a collection account, the date one bank sells its account to another bank, have zero meaning under the FCRA. Consider disputing the debt on your own, which we explain how to do in the original answer above. If that is not effective, consult with a lawyer who has consumer law experience and discuss whether you have a cause of action against Santander for violating the FCRA.
      2 Votes

  • 35x35
    Feb, 2012
    Rob
    I have been looking into credit repair today and spoke with lexington law. I had a bankruptcy about 18 months ago and I want to get things as good as possible with my credit so that I can possibly refinance my house when I hit the two year anniversary of my discharge. During my initial free consultation they reviewed my transunion report and told me that I had 4 negative items that they felt they could remove. They were all accounts that were included in the bankruptcy. Is it pretty common to be able to remove accounts that have been included in bankruptcy? I am just wondering how likely this is to happen, has anybody had any success with this type of item? Also has anybody tried to have these types of accounts removed by sending the letters and such by themselves. Any feed back would be most appreciated.
    21 Votes

  • 35x35
    Feb, 2012
    Zee
    I first commented back on Jan.24th 2012 about just signing up with Lex Law and it has been 31 days later and I am happy to report that I have had a total of 4 deletions and my husband has had 3. Yes it is worth! I had two paid judegments removed and 1 120 day late. My husband had 2 old paid collections (they were 4 yrs to be exact) and 1 120 day late from 2005. So none of these items were due to be removed as of yet. I'm happy with the results and we have now started the next set of six. Everything is done in sets of six I'm really excited to see what the scores will look like. Lex told us that the Credit B update between the 20th and 30th of the month so I will let you know about scores as soon as we are notified. Z
    7 Votes

    • 35x35
      Apr, 2012
      Christina
      How do you feel about them now? Still positive? Credit improvement?
      0 Votes

    • 35x35
      Apr, 2012
      Zee
      This is my third post and we started with Lex Law Jan. 19th 2012 and since then I have had a total of 26 deletions between the 3 credit bureaus. This is my thought, if your debt is fresh and you owe a balance it's not going to work until you pay the debt off. I mean it's simple you can't expect them to get something removed from your credit and you still owe the company. I'm sorry it just doesn't work that way. In our case a lot of things consisted of old debt that had either been paid in full or and settled for a lesser amount. What I mean by old debt 2007, 08, and 09 which were things that were paid but had to stay on the report for 7 years. When I was laid off we decided to file a bankruptcy in Nov. 2010. The other deletions came from things that were included in bankruptcy. For instance, you have Macy's card that you filed bankruptcy on well it shows on the credit (Macy's included in Bankruptcy). So imagine all those included in bankruptcies on your credit which are suppose to sit for 10 years now gets deleted in less than 3 years well that's the type of thing Lex Law has done for us. I have also had two paid judgments removed. In our situation we owe no one just all these negative items on our report that carries a huge negative impact on our credit. When I started in Jan of this year my credit middle number was 543 and now 26 deletions and 3 months later it is at 630 so I'm 10 points away from being able to qualify for a mortgage again. All I can say is pay your debt first and then Lex Law can do the rest. They explained to us that once all of (the included in bankruptcies) have been deleted then they start on the actual bankruptcy itself. I hope this helps but everyone situation is different what might work for one may not for the other. Good Luck everyone!
      7 Votes

  • 35x35
    Feb, 2012
    John
    I received a 1099-C form in November 2008 from Chase Bank for a credit card. This debt was cancelled and I paid applicable taxes to the IRS. This account is still showing as an active charge-off with the credit reporting agencies. Is this information being accurately reported on my credit file? I filed an online dispute and the results stated that it is accurate. If this is correct, what would be the best way to have this negative entry removed or updated? Negotiate directly with Chase for pay-for-delete (If so, how much should be offered)? Use an online credit repair company? Any professional advice would be appreciated. Thanks.
    0 Votes

    • 35x35
      Feb, 2012
      Bill
      At this juncture, it may be difficult to negotiate a pay for delete. It is proper that the account shows as having been charged off, as that is an accurate picture of the account history.

      As the account is at $0 balance, you can hire a credit repair company or try to use the same methods that credit repair companies use on your own.
      2 Votes

  • 35x35
    Feb, 2012
    Phillip
    I have been using Lexington Law Firm for a while now. When i started my credit score was at a 515...lots of stuff had been negatively impacting my score for many years. Now i am up over a 700 in about 8 months time. Are they worth it? ABSOLUTELY!! If you need help repairing your credit and getting old stuff off your report...these people can do it!! I highly recommend them!
    21 Votes

  • 35x35
    Feb, 2012
    Leandra
    I am considering using Lexington law since it really did help my ex boyfriend but I am not sure if what I need help with really exists. I legally changed my name a few years ago and when I requested my reports under my new name all of my excellent credit history from 10 years was gone. I fought and fought and finally TransUnion and Equifax restored my history under my new name. Experian will not help despite sending them letters for over a year. What can I do?
    1 Votes

    • 35x35
      Feb, 2012
      Bill
      Readers? Do you have any suggestions for Leandra?
      0 Votes

    • 35x35
      Feb, 2012
      Garrett
      Your best bet in a situation like this would be to locate your current open trade lines through your credit report via Experian. Experian reports directly from them can be quite elaborate on showing the creditors contact information. If the positive trade line is still open and current you can contact them and to ask them to re-report this via Experian under the new name. Credit Reporting Agencies are vendor friendly and the vendors all report voluntarily. When dealing with older closed accounts they typically fall off after 10 years on inactivity and would not be helping you too much considering the length of credit history is roughly 10-15% of you credit score. Your credit to debt ratio and payment history together are about 65% of your score and should be the main focus for long term gain.
      2 Votes

  • 35x35
    Feb, 2012
    Ivy
    I contacted Lexington Law a little over a month ago; I spoke with someone over the phone for about an hour, I explained to him the issues I am facing with my credit scores and my delinquent payments, etc and he walked me through the process. I was pleased with what he said and I decided to give the service a try and here I am, a month later, very happy and pleased with the service, why? Because in a month, 3 removals of delinquencies have been removed from my credit history; I currently pay $99 a month for the services that they are providing me with; the fee is nothing compared to the fact that after a few months, I will have a new start. I am extremely pleased with the prompt effort on alerting me on any and every changes, correspondences, or removal of any negative credit history on my profile. I can't speak for anyone else but I speak for myself when I say that Lexington Law has been helping me for the past month and I see a significant difference so far.
    8 Votes

    • 35x35
      Feb, 2012
      Bill
      That's great news Ivy that the credit restoration process is working well for you. Thanks for sharing and keep checking in to let us know how it progresses over time.
      5 Votes

    • 35x35
      Sep, 2012
      KILSY
      I have been reading reviews and I don't know what to do. I called Lexington Law a few months ago, but was unsure, scared. I was supposed to call back and never did. My biggest issue is the negatives on my credit. I don't know how to remove them without a company like Lexington. I want a house any my credit score is scary. I can't sleep well. Please advise.
      0 Votes

    • 35x35
      Sep, 2012
      Bill
      You can remove inaccurate derogatories from your credit reports yourself. See the Bills.com article Credit Repair: Remove and Improve to learn the steps you can take to better your credit report.
      0 Votes

  • 35x35
    Feb, 2012
    Eddie
    Can items that are charge-offs that are unpaid be removed from your credit by a credit repair company? These are reported by both the creditor and collection agency that are all approx 2-5 yrs old and are all charged off?
    0 Votes

    • 35x35
      Feb, 2012
      Bill
      It may be possible to get such items removed from your credit report, but unless the debts are paid off, they can re-appear on your credit report.

      I recommend that you pay off or settle your debts, before you work on credit repair.
      0 Votes

    • 35x35
      Feb, 2012
      Garrett
      Best bet is to keep in mind a debt is charged-off because they deem the debt noncollectable. The creditor will either pursue an acquisition attorney for your more substantial debts or sell to a collection company for 15-20%. You can throw 40-50% offer for a payment for deletion and see if they bite. on the more substantial ones they will be less likely to play ball for less than 70%. Remember debt consolidation companies will take their own cut and the item will still remain when it is all said and done with a zero balance. While this is good, having it removed as if it was never there is ideal.
      1 Votes

  • 35x35
    Feb, 2012
    Jennine
    I spoke with Lexington Law Firm before six days and they were very clear of the fees and all the things which i have queries. So i think it is the best law firm. Thanks for all the information.
    0 Votes

  • 35x35
    Feb, 2012
    Lady
    I am working with a credit repair company that isn't giving me a direct time on how long it will take, and also charging me $199 a month. Is that right? I explained to him I wasnt sure about the old things on there. So if they are debts that I owe, how can he dispute them? And should I pay him every month or should I get results first?
    0 Votes

    • 35x35
      Feb, 2012
      Bill
      Out of curiosity, what is the name of the credit repair company that charges $199 per month for its services?

      The general rule for credit repair is that it works best for resolved debts and worst for recent unresolved debts. If you have unresolved debt, see the Bills.com Debt Coach for a no-cost, no-nonsense analysis of your debt situation.
      4 Votes

  • 35x35
    Jan, 2012
    Al
    I was using Lex Law for over 5 mos and got little results. They have really bad customer service there are some that seem to really care but for the most part. Just today they hit my bank account for over 140.00 because of an billing error on their part, when I caught it I called the right away and they basically said they was nothing that they were going to do. I explained to them I have other bills that were going to hit my account and because they withdrew more than they were suppose to I would get 4 NFS charges of 34.00 each on my account. Now if Lex Law is suppose to help you with your credit how can they fix their lips to say they are here to help? I am now trying to figure out what to do now in trying to fix my credit, I think I am going to try to find a debt consolidation place to help pay off my debt. Beware of Lex Law when it comes to billing.
    3 Votes

  • 35x35
    Jan, 2012
    Homer
    I had some account charged off tht were over 7 1/2 years old. Collection agencies to control of those accounts and are reporting them as new past due ccounts subject to another 7 1/2 years. Can they legally report these as new debts?
    0 Votes

    • 35x35
      Jan, 2012
      Bill
      No, a collection agency may not reset the date of first delinquency. Re-aging debt without the consumer's permission is a violation of the Fair Credit Reporting Act. Consult with a lawyer to discuss filing an action against the unscrupulous collection agencies.
      5 Votes

  • 35x35
    Jan, 2012
    Bethany
    My husband signed up with Lexington Law in Nov 2011. His credit was not optimal. There were quite a few things on his credit report that needed taking care of. It is Jan 2012, and we are about to close on a house. Owning a home was not even an option before he signed up with Lexington Law. We are really quite shocked. Lexington Law is not a scam. They worked wonders for us and they could do the same for you.
    1 Votes

    • 35x35
      Jan, 2012
      Bill
      Awesome case study and testimonial Bethany. Congrats on your experience with Lexington Law and even bigger congratulations on buying your first home! Thanks for checking in with Bills.com.
      1 Votes

  • 35x35
    Jan, 2012
    Zee
    My husband and I just enrolled on Jan. 19th so I am very anxious to see how this works. We also did the Concord Premier plan at 99.95. We both have old paid off debts and collections and I have one 30 day late that has been paid on time for the last 12 months so I'm hoping they can get it removed. Im glad that it's so much positive feedback about Lex and since we don't owe this should work for us. I will be sure to give an update as we start to see results.
    1 Votes

    • 35x35
      Jan, 2012
      Bill
      That's great Zee, and please do come back and update us all on your progress to help other Bills.com readers who are evaluating Lexington Law.
      0 Votes

    • 35x35
      Jan, 2012
      Juan
      Please do come back and tell us how it goes I'm in the same situation. I owe nothing but old collections are there.
      0 Votes

  • 35x35
    Jan, 2012
    Denese
    I've been with Lex Law since November and I pay $99.95 monthly. I was not aware that there were various plans and that I could be paying less. Anyway, besides how expensive it is I must say that I am pleased thus far. Keep in mind I worked on my credit reports for 3 months before hiring Lex Law. I paid off a lot of old debts then hired Lex Law to ensure that the creditors actually updated the status of the accounts accordingly. What I'm excited about is I expected the creditors who promised deletions for payment to be removed from my reports, but Lex Law got a bunch of other "paid collection" accounts removed when those same creditors told me that they would only update to "paid" but would not have the item deleted. Lex Law also got a judgment removed and my bankruptcy deleted early off of 1 of the 3 reports. Lex Law is pretty diligent. My only complaint is that my credit scores have not moved up as much as I've wanted/expected. With all the deletions I would have expected a greater leap. Maybe its forthcoming.
    1 Votes

  • 35x35
    Jan, 2012
    Stephanie
    I spoke with Lexington Law Firm today and they were very clear of the fees,also they gave you options with no obligations.They took time and answered all of my questions and never once rushed me to make a decision. And they made it clear that credit repairing is a process and could take some time,considering everyone has different credit problems.So in my opinion their a honest company, not to mention they do not put you in any contracts. WORKS FOR ME!:)
    2 Votes

  • 35x35
    Jan, 2012
    Jason
    I have had a CA attempt to collect a debt for about 3 years now. The transaction with the original company did transpire but was in dispute with corporate for quite some time with no avail. The company did not make good on their promise and I refused to pay. Not a good idea, I knew and know, but I was still angry and principal took over. Now the CA has acquired a lawyer and filed in NJ Supreme Court. The amount is only $1,200.00. I attempted to work with the CA over the years with a request to pay 50% of the debt if they would get all listings of this debt removed from the credit reports. We agreed at about 70% of the debt but they demanded immediate phone payment and I would not agree to that stating that I wanted this on company letterhead. Never received this. Only a fax agreement. Should I try to work with the lawyer who is suing instead and what should I try to convey at this point to have this removed from the listings. I don't want to lose leverage at this point but I believe I have run out of time since the court date is the beginning of February.
    0 Votes

    • 35x35
      Jan, 2012
      Bill
      Your demand to receive something in writing is a fair request. Since there is not much time, I recommend that you immediately speak with the lawyer handling the collection. Send a pay for delete letter.
      0 Votes

  • 35x35
    Jan, 2012
    Shaina
    Ok so I'm glad I came on here... I was lured in today by the rent to own bit and found it skeptical but interesting none the less at the thought of moving into a house in a short period of time (as me and my fiance were looking to do anyway) without bank hassle; versus renting a usual apt. The rent to own company sold me over to Lex Law and long story short they convinced me that I Had to enroll in the credit fixing program to be qualified for the Option of Rent to Own. Is that even true or possible? Does Lex Law actually accomplish what they say? Most of my credit issues are old dept store charge offs and a few randoms that were unpaid. They told me they could still help in my case but If the charges are valid Will i be paying monthly for them to fight for nothing? It hasn't been 24 hours yet so I need Help before first payment taken... (PS i still haven't gotten access to this "LISTING" of rent to own properties yet...UGH!!
    1 Votes

    • 35x35
      Jan, 2012
      Bill
      I would be skeptical if I were told that I had to enroll in a specific credit repair program, in order to qualify for anything. Credit repair can be done by a professional company, like Lexington Law or one's own. Lexington Law is the biggest credit repair firm, but it is not the only one.

      It is my opinion that credit repair is effective for debts that are paid off. Unpaid debts, even if removed, can reappear on your report.

      I can't speak authoritatively about the rent-to-own company's requirements, but if you are paying them a fee for to view their listings, I would be quite wary.
      0 Votes

    • 35x35
      Jan, 2012
      Jeff
      Hi Shaina, I've done Rent to Owns with people myself and honestly, the only people that do them right are ones that require their clients to enroll in a Credit Repair program. They should also have had a mortgage broker review your credit report so the broker could help determine if you are even close to credit worthy within the rent to own period. Lexington could just be their service provider of choice because they have had success with them in the past. Rent to Owns (usually) aren't scams, but you, and the people that are working with you should be having a good look to see if you are realistically in a position where you can qualify for a loan by the end of the rent to own period. A credit repair company can help you get rid of incorrect items or items that are resolved and should no longer be there, but if you still have current outstanding debts and aren't prepared to move ahead and settle the debts then you're just setting yourself up for failure. Rent to Owns are good for people who have had good credit and had something happen to knock them down for a while (divorce for example) and they are now on the road to recovery and just need a little more time for their score to recover. For those with just down right bad credit for years and a hope and a dream of owning a home thinking that because they get in with a Credit Repair company and a Rent to Own that everything will be roses... They're fooling themselves. Good luck.
      0 Votes

  • 35x35
    Jan, 2012
    Kay
    I first checked out this page when I intially researched Lexington law. It was a gamble but i figured I'll try it anyway. What I was doing on my own wasn't working. Since Signing up with Lexington Law in August 2011 my credit score jumped 109 points. The things that were deleted were alot of old debts that I paid off that were supposed to come off but never did. I'm 25 years old and looking to buy my first house so this was def worth it for me. I did downgrade once my credit score started going up. Now I only pay $70 bucks a month and its def worth it!!!
    0 Votes

    • 35x35
      Jan, 2012
      Shannon
      They seemed very knowledgeable. I don't have money to pay back the folks on my report at this time, but they'll help remove the stuff that doesn't belong, that should help enough to buy a house!
      0 Votes

  • 35x35
    Jan, 2012
    Kia
    I have been using Lexington Law since October of 2011. It is pretty pricey and I could probably do it myself but the truth of the matter is I know I won't follow up. It hurts me to pay them $83.00 a month but I feel it's worth it when I get a couple of letters in the mail a month stating that something is being removed from my credit report. Then I get emails for Lexington Law with updates of all my progress. I came back to this site because this is where I visited before I joined the group and saw all the negative comments and promised to return and share my experience. If you were like me and had things on your credit report from years ago, or things that you know you have settled and it's still there then practice will be of service but if you owe money for a house or car and just want it off your credit report without having settled it then no I don't think Lexington Law can help. I hope my comment was helpful.
    1 Votes

  • 35x35
    Dec, 2011
    Andre
    well werecently used this company excusing the fact they were attached to another company who was a scam which happened to be a comnpany who supposedly helps you rent to own a home well there fake well lexington law was supposed to help me and my husband fix our credit the first month which its only been a month they charged us 49.95 a piece then we noticed in the middle of the month the took 12.99 a piece without our permission then this month i cancelled well not looking at my bank acct i didnt realize they took 99.95 a piece and even though ive only been with them alilttle over a month they will not refund my money they say they bill a month after it doesnt make since they wouldnt let me hear the phone call they said i so called agreed to it but they said they did do not use this company they are a scam and if ur not rich dont give them ur acct number i need to find out what else i can do to try to make sure the world knows theese people are a scam they pray on the poor take my advice do not use them!!!! they are a rip off
    1 Votes

    • 35x35
      Jan, 2012
      Trevor
      What you are referring to is what is called the friends and family discount. Your first month at Lexington Law Firm if you sign up with someone else is discounted 50%. If you stay with the firm more than 13 days after your first invoice you will owe a final payment for the letters sent out and work performed within that 13 day period. It sounds like in your case you chose the Concord Premier plan at 99.95.
      1 Votes

  • 35x35
    Dec, 2011
    Troy
    My ex left me high and dry in 2008. I had a mortgage I could not afford and I lost my house. I was a Co-signer on a Equity line that I thought we had no balance on, but to my surprise she takes the line of credit and max's it in 2 weeks and then she files BK. I DID NOT FILE BK nor did I know she did until I get a call from BB&T asking for a payment or $27K. I could not afford either 1 prior to my ex leaving me I had an 812 beacon score and now I have a 658 with a judgment from BB&T for $27K and a Foreclosure and I was denied a loan on a house. I have been renting in the same house for 3 years and been on the same job for 10 years and have managed to keep all of my bills payed as agreed and even just purchased a used car thru ALLY Bank and getting a 2.75% rate but the house is a no go. So I called Lex Law and spoke with a paralegal and was told they could help, but I'm very leery of these quick fix deals. I don't know if I want to invest my hard earned money with Lex Law unless I can be guaranteed positive result's. I have read a lot of Negative responses and a few positive.....HELP!!!! I want to raise my children in my house not someone else's...
    1 Votes

    • 35x35
      Dec, 2011
      Bill
      Your ex should not have been able to take out $27,000 on a credit line and then include it in a Chapter 7 BK shortly thereafter. I am surprised the bankruptcy court would allow this.

      If you owe the debt and the judgment is enforceable, hiring a credit repair agency will not address the main issue, which is how you will pay the debt.

      Consult with a lawyer who has family law or bankruptcy experience. Discuss the way the bank disbursed the money and whether all procedures were done properly and also whether you have any recourse against her, including contacting the bankruptcy court about her transaction.
      1 Votes

    • 35x35
      Dec, 2011
      Troy
      I co-signed for the line of credit when we bought the house,I always believed we had a zero balance on it,but she maxed it out a week after leaving and then 4 day's later filed B.K.,so I dont think an attorney can even help,but thanks for responding and I guess I'm renting for until my kid's put me in a rest home...LOL
      0 Votes

    • 35x35
      Dec, 2011
      Bill
      I strongly advise you to speak with an attorney. As I wrote, what you described should not have happened. It is very odd that the bank did not dispute the inclusion of a debt that was incurred so recently.
      0 Votes

    • 35x35
      Jan, 2012
      Jeff
      Troy, NO Credit Repair company can GUARANTEE you results. If they do, they are a scam and you should run the other way as quickly as possible. There are NEVER any guarantees when it comes to legal work. If you want to read about Lexington's policies you can visit http://www.lexingtonlaw.com/faq/our-services/guarantee.html.
      0 Votes

  • 35x35
    Dec, 2011
    Amy
    We came into contact with Lexington because we were looking for a house to rent. Couldn't get a list of homes because we had to get a credit report. Then they hounded us with phone calls till we listened to their spiel. We finalized our bankruptcy last August 2011. Still they said it would cost us $100 a month to clear everything up and straighten out our credit report. I am a paralegal. I know exactly what to do and I can do it for free and my lawyer included this in his fee for the bankruptcy. We told the lady this on the phone and she still argued with us. Lexington is a scam and I still do not have a listing of homes for rent. Amy R. Gibbons
    0 Votes

  • 35x35
    Dec, 2011
    David
    I used Lexington Law Firm for 6 months with their "Premier" service. I paid between $600-$800 for the (6) months and got no results at all. They didn't give me any personal attention. I had to stay on them to get them to do their job. I wouldn't recommend them to anyone unless you don't like that person.
    2 Votes

    • 35x35
      Jan, 2012
      nicole
      Checking your own credit DOES NOT hurt your score. When companies make "hard inquires" to your report it damages your score. You can check your own credit every day if you want without fear of lowering your own score.
      0 Votes

  • 35x35
    Dec, 2011
    Shannon
    Lexington Law seriously has ticked me off and honestly they are not a company I would ever use. I didnt even fill out information for THEM it was for information about FHA loans. Since that day I get phone calls 7 days a week starting at just after 8am and ending at about 8pm. I dont answer the phone I dont want to deal with them. It doesnt stop. Finally talked to them this morning and was rude...it is 8am Saturday. He was NOT professional and after telling him to take me off their list and to not call me he used a few words before I just hung up on him. They hounded more then any bill collecter ever has.
    2 Votes

  • 35x35
    Dec, 2011
    Tammy N Jeff
    I have been with Lexington Law for 4 months...my credit has gone up 80 pts. So i am very pleased with their progress. They are very good on keeping me updated on their progress too. I was just able to get a loan for a boat that i could not have gotten 6 months ago thanks to them.
    4 Votes

    • 35x35
      Jan, 2012
      Samuel
      I have to agree, I have been with them for about 1.5 months, and my score has improved by 30+ points, 6 items have been removed from my credit report. All I can say is this, for $100 a month, you are not going to get a lawyer at your side 24/7. I too have had issues with them, difference is I guess I am the only one who can stand up on his own two feet and handle the problem. Every complaint I have read basically has said, " I have tons of debt and since lex law cant erase it, they are scammers"
      5 Votes

  • 35x35
    Nov, 2011
    esmeralda
    Lexington law is crap they don't do anything you cant do yourself. At first they were good but after a month they turned to crap. I dont recommend them to anybody my wife had the 89.99 plan , I'm so fed up with money back crap is a lie too I told them I was so unhappy I started doing it myself and I was with lexington 8 mths
    5 Votes

  • 35x35
    Nov, 2011
    Nicholas
    I work for a mortgage company and have sent several people through this company and have seen great results. I am also using it myself and have had 14 items removed from Equifax, 3 from Experian (evidently they are harder to get things removed) and 7 from Equifax in about 6 months. My credit scores have improved by about 90 points for each bureau. Well worth it!
    11 Votes

  • 35x35
    Nov, 2011
    Jeff
    Hello. I have been using the Lexington Law service for three months now. In that period of time, I have witnessed 13 deletions across the three credit bureaus. So I can attest that the service really works. I have the Concord Premier Service. It allows Lexington to update my credit reports once a month for no extra charge, and their site neatly shows you what has been deleted and what still remains. You get to see the progress before your eyes. Plus you gets texts and emails when there are changes to your report. I typically will call in once a month to steer them in the direction that I think they should be going. I do believe they have somewhat of a cookie cutter approach with their letters, as I have seen some of them first hand. They're not particularly well written, but the results speak for themselves. At 13 deletions, I'm at nearly 50% of the total number of items negative on my combined reports. That's in just 3 months.... Not too bad. I will keep them for another 3 to 6 months, at which point I will refinance my current home for a lower rate and buy a second home as my family has outgrown this one. If I can save thousands by hiring this company and paying them $90 a month for 6 to 9 months, I think its well worth the time. To the people who say you can do it yourself, you are absolutely correct. You can do all of the work and order your updated credit reports (and pay a nice fee to do so) to see the progress.... I prefer to hire a company to do the dirty work while I focus on my family, etc. One other thing: I saw some reviews here by people that were displeased with the service who had only one or two negative items on their reports. If this is you, don't hire a credit repair company. Its silly to hire a company for a couple of items that you could easily handle yourself. Credit repair companies will make the greatest impact when they have several items to contest. Good luck everyone with resolving your credit issues....
    5 Votes

  • 35x35
    Nov, 2011
    david
    Hello. I have been using Lex Law for 18 month on and off, I had more than 17 items removed for me, and got a lot of new credit cards. But !!! in the last 6 month i had nothing remove so I think that I got the easy ones done and what's left are the difficult. So they did do a lot for me, and I am very happy and recommend but it is time for me to cancel. There are a lot of credit cards out there that can help to build credit.
    0 Votes

  • 35x35
    Nov, 2011
    lulu
    Lexington law is crap they don't do anything you cant do yourself. At first they were good but after a month they turned to crap. I dont recommend them to anybody my husband had the 89.99 plan and I had 49.99 and i had two removals and he had none I'm so fed up with money back crap is a lie too I told them I was so unhappy and the lady hung up on me I started doing it myself and I have removed three negs and five negs off my husbands I did that in a month and I was with lexington 7 mths
    2 Votes

  • 35x35
    Nov, 2011
    Chris
    We used Lexington Law a few years ago for my wife. She was a 480 beacon score after a year they had all her bad debts and late payments removed she went up to a 680. I'm in on Lexington Law.
    0 Votes

  • 35x35
    Nov, 2011
    Norman
    Lexington Law is garbage! Do it yourself. We were able to fix the credit errors in 2 days, vs 4 months that Lexington Law failed to do. Do yourself a favor and save your $90 monthly fee.
    2 Votes

  • 35x35
    Oct, 2011
    Jody
    Lexington Law, I would not say a "scam" but they have very POOR customer service.. I used them for 6 months an 4 items removed (3 I personally negotiated payment for deletion) 1 removal done by Lexington in 6 months. I hired them an paid for the top package 89.95 a month hoping to get a grasp on things as well to LEARN an answer my questions. When I asked a question I would get a canned response, a single copy paste response that would cover a large verity of questions whiten that category. It took me 3-5 times each question to get passed the copy paste response to actually get someone to to respond directly to my question, even then it was very short an none descriptive. The moment I politely complained they basically pushed me out cancelling my service. I had wrote an email stating "if things do not improve I will be considering cancelling my service". I got an email saying they would do 1 special case (not sure exactly what the email said) hold a sec i go an get it.. HERE it is "Thank you for your email. After reviewing your email, we would like to try an additional approach to your case. We would like to send escalated requests regarding your credit reports, at no additional cost, to the bureaus and/or creditors on your behalf." (why was they not doing this in the first place? i am paying 89.95 a month an if i ran a company i would be doing whatever i could for my customers) Now the very next email was this after i responded "We recently received a email request to cancel your case. Due to the confidential nature of our services, we require that any alteration to your retainer be completed via telephone or our secure website. To cancel your retainer, you need to: Call Lexington at" Again I politely responded to them stating that I do not want to cancel, I just wanted a little better customer service an not have my questions speed read an a copy paste response.... I would like a little more personal attention when questions are asked, this is what I was lead to believe when I signed up with them an is not what the site says i would get for 89.95 a month... OK an this is the very next email. "Thank you for your email. Right now I am seeing your case has been cancelled with no further charges due. If you wish to reinstate your case please call us at $$$$$$$$ We would love to continue services on your behalf." (i deleted number dunno if that's appropriate) You can see that the customer service is very poor an they have no personal care. To me they sit back an collect your money long as they can before you realize that your not getting anywhere an ask them why they cancel you.... I filed with BBB an hope others do as well because this company does not deserve a A+....... Am sure some have had success with them but am sure there is many more who have not. Maybe at one time this company was a good one but I think they have lived their time an have let customer service drop to the bottom....
    2 Votes

    • 35x35
      Nov, 2011
      trimone
      Some of the services they offer, yes we can do it on our own, but some of the services we can not. If you have bad credit, you have bad credit. The fact that someone can help out and delete items is a miracles. This firm provides a way for us not to have to wait 7 years from the date of payoff to come off on their own. And the reason there is not direct answers to all of your questions is because they are not trying to mislead you. Every case is different and all reports aren't the, so of course
      0 Votes

    • 35x35
      Nov, 2011
      Jody
      There is nothing this company offers that you can not do yourself..... that's a fact.. The only thing that they can do for you is offer you convenience in doing it for you saving you "personal time" at home.. As you stated "every case is different" is totally contradicting your "the reason they not give you a direct answer" statement.. That's exactly the point, They give you a copy paste response because they don't want to spend time actually providing customer service to answer case specific questions... Its simply a fast way to answer as many questions as possible giving the customer the appearance that they are actually reading the email.. They speed read a few lines an copy paste a response to get threw many emails as possible period... nothing to do with not trying to mislead you... They are suppose to be professionals in the business therefore should be able to provide non misleading answers. Don't stand up for a bad company
      6 Votes

  • 35x35
    Oct, 2011
    Norman
    Lexington Law is garbage! Do it yourself. We were able to fix the credit errors in 2 days, vs 4 months that Lexington Law failed to do. Do yourself a favor and save your $90 monthly fee.
    0 Votes

    • 35x35
      Nov, 2011
      Stevin
      How did you do this? I find myself caught up like so many other people of this current time trying to do better only to be sought out by hundreds of scams. Being a single my pennies are important.
      0 Votes

    • 35x35
      Nov, 2011
      Bradley
      Unless you called the Credit Bureaus and or creditors you had bad marks with and they somehow believed you over the phone you did nothing in 2 days and should not be misleading folks into believing that nonsense.
      0 Votes

    • 35x35
      Nov, 2011
      Norman
      We were able to call Experian right away after getting the credit report from annual credit report.com. It took us 5 mins to get in the experian site, saw the errors, disputed it under dispute link on the website, It asked us to call a number, we called, they investigated, cleared!. You probably work for lexinton law.... Go back to work and actually do the work people pay you to do instead of coming here. NONSENSE!
      0 Votes

    • 35x35
      Nov, 2011
      Bradley
      I love how you jokers use misdirect and call folks Lexington Law employees. I work in IT for a Pharmaceutical Research company. I used Lex many years ago and they raised my score on an average of a hundred points per bureau. It is certainly known that what they do can be done by anyone however I did not have the time to do so. So this was convenience for me to only send them my credit report and they did the rest diligently. Back then it was $35 a month and well worth the money I spent.
      1 Votes

    • 35x35
      Nov, 2011
      Cara
      I have cooperated with Lex Law for a little more than a year, and am very pleased with the services provided. As many said YES this IS something that can be done on one's own but we all have lives to live and families to care for in the meantime. Instead of the added headaches and hassles that may accompany doing it yourself, pay a trusted source, who's knowledgeable, to do the dirty work. I was referred by freecredit.com first, and a rent-to-own home company second, and has referred MANY of my friends, family and associates as well. I love these people and would never steer them wrong. I lucked up on something good why not SHARE it? To those who did NOT see any results in their credit scores MAYB jus MAYB you need to face reality and understand that they are disputing derogatory, negative items, while they are busy doing THEIR part u should be keeping up on YOUR part. How much of a result are you expecting to SEE when your STILL not paying bills on time acquiring MORE late payments, meaning YET another item that could possibly be a problem at some point, adding MORE negative items to be FIXED?
      1 Votes

    • 35x35
      Nov, 2011
      Norman
      Sigh... Another one. Anyways, I understand it's buisness. Of course I would get as much money as a I can from the people who were signing up for it. Why fix it right away for 90 dollars instead of getting 1080 dollars for stretching it out for a year! Bottom line is.. we were able to fix it in TWO DAYS!!! Once again guys. Save your money do it yourself. The credit bureaus have a site where you can dispute the errors. All you have to do is buy your credit report from annualcreditreport.com, It will take you to each site, there you can dispute your credit errors. Good luck guys!
      0 Votes

    • 35x35
      Nov, 2011
      lisa
      I just hired lexington, yes you can do it yourself, no not in two days... i disputed my credit record and had 4 items removed myself but it took 30 days, so 2 day lol lmao. I have a few more to dispute and lexington has a way that, they can remove it, so I think the small fee is fair, and I have read more good than bad about this company! still thinking 2 days lol rolling on the floor heheh hahaha
      0 Votes

    • 35x35
      Nov, 2011
      Norman
      Dear Lisa, I'm sorry to hear that your credit is that jacked up that the credit companies could not fix the problem right away. And I would hate to be the one to tell you I told you so in the end. Good luck to you.
      0 Votes

  • 35x35
    Oct, 2011
    Ben
    I have been with Lexington law firm for about a month and so far so good. I have had 2 deletions off of Equifax 3 deletions off of Experian and 2 deletions off of Trans Union.I know its not going to be a fast process in deleting my negative Items but at least I am seeing some progress. I don't expect for them to delete all of my negative items but if they can delete half of them I would be able to pay off the rest of the valid debt and be a happy man :) For all those non believers, This is the real deal,I feel confidant that Lexington Law is doing there job on helping me delete my negative items on all 3 reports. You just have to be patient;getting out of debt is not easy. I know there is a way for me to do this on my own, but I am not in a position in dealing with my creditors and credit Bureaus on my own. Kudos to the ones that are taking this task, best of luck. The only complaint I have on Lex law firm is the price, I am on the $49.99 a month and I think its a little expensive,if they could only cut the price in half I think lots more people would try them. I have had the following deletions in one month of work from lex Law. Equifax: 15 Neg: -2 deletions Expirian 14 Neg: -3 deletions Trans Union 18 Neg: -2 deletions
    1 Votes

  • 35x35
    Oct, 2011
    John
    I hired this firm 3 months ago... Before I hired them I made sure all of my debts were paid off. I had 12 negative items on all three of my reports... I am down to 9... they have yet to pop back up. I am not expecting miracles from this company but they seem to be working. I have read the posts and even if they sending "incoherent letters" on my behalf... it seems to be working... I have no complaints so far... I know I can do all this on my own instead of having them do this I just don't have the time to obtain the knowledge to do this myself... the way I see it they are moving my credit reports in a positive direction as I see forward momentum. If anyone has any questions about the processes just post against this and I would be happy to reply...
    3 Votes

  • 35x35
    Oct, 2011
    adam
    lexington law is the real deal.i have had items removed at a fast pace.i recommend lexington law to any one with bad credit.
    0 Votes

  • 35x35
    Oct, 2011
    Anthony
    I have been a lex law customer for a year and I too had all of the negative experiences you all have stated here but guess what? It was MY OWN fault. You see for almost 10 months my credit remained pretty much the same, high 400's very low 500's. Utill I began doing my part, I began sending in my credit reports in on time but they can pull it online if you send them the site and your user and password. Also it shouldn't be a surprise that they bare signing your name on the letters theybare suppose to be on your behalf anyways, right? Plus you choose the signature you want them to use they have lots to choose from or scan yours and send it to them. If the letter come to your residence you need to fax it to lex law, remember all correspondence will come to your residence because it is you that is disputing these negative items, duh! Another thing people fail to do is visit their case valet, that's when you update your negative items this may be done daily depending on how fast they remove items. After I did my part my credit went from an avg of 495 to 515 and now it's at 565 in 3 months. Oh and I just got a text this morning Sunday! That 3 more items were removed from equifax and transunion, lol awesome. Give them a shot do your part and you willnsee results. Now I know that you will say well I did all of that blah blah bla blah, but realistically you didn't , but you will say you did to save face. You messed up your credit and there is no magic wand to fix it, that's one thing Harry potter can't fix. So so being so negative like your negative items and work hand in hand with lex law and you will see results.
    2 Votes

    • 35x35
      Oct, 2011
      Giselle
      This comment is definitely from someone that works for Lexington Law group and not a real consumer. Your too defensive and combative and it is extremely obvious that this is the firm and not an actual customer...this is a turn off and I will not use an company that hires people to pretend they are reviewers/consumer in order to offset any negative review...Just FYI :-(
      2 Votes

    • 35x35
      Oct, 2011
      Anthony
      Giselle you are wrong. I work for a warehouse club in Puerto Rico I don't think lex law has a branch here. best regards.
      5 Votes

  • 35x35
    Sep, 2011
    Lizzie
    I hired Lexington Law on August 24, 2011. I did not expect to see any difference on my credit report in this short time. However, I did expect professional services from Lexington Law which they have failed to deliver. They sent a letter to one of my creditors which was returned because they used the wrong address. Since they faked the letter to make it look as if it were written by me, the post office returned it to my address. When I opened the letter, I was horrified to see the sloppy, unprofessional document inside. I would never have written anything like this. It was embarrassing that they signed my name to it. It doesn't even set forth a coherent request for action or documents. I e-mailed Lexington Law about the issue on the same day. Although they promise to respond in 24 hours, I didn't receive a reply e-mail for 2 days. I received 2 e-mails from the same person sent within minutes of each other. Both were cut and paste, canned messages that had virtually nothing to do with my inquiry. One of the e-mails specifically forbade me from directly contacting the creditors on my own. That is a serious red flag. At any rate, I made 2 specific requests: 1)resend the letter to the creditor's correct address, which I looked up and provided in my e-mail and 2) provide me with some assurance that the shoddy quality of work I observed in their returned letter is not representative of the performance I can expect. Neither of the 2 e-mails I received in reply related in any way to either of those requests. I wrote a 2nd e-mail noting their 2 e-mails were responsive to my initial e-mail and asking that they please answer my requests. I have not received a response three days later. Today, I received a letter from different creditor in response to a Lexington Law inquiry. They wrote directly to me because, as stated above, Lexington Law writes letters posing as me using my address and even adding an electronic signature of my name. Basically, this creditor stated they didn't understand what I was asking so they did not know how to respond. They enclosed a copy of "my" letter, and it was yet another shoddy, amateurish document. I was embarrassed that they had forged my signature on it. I have no idea how they achieve any results with this type of unprofessional work. I find it hard to believe anyone has successfully used Lexington Law. I feel cheated. The icing on the cake is I just tried to pull my free annual credit report directly from the credit bureaus and learned Lexington Law posed as me and pulled the reports on my behalf when they had me on the phone the day I hired them. They pulled my FREE credit report and charged me $10 for that by the way. Now I won't even qualify to get my own free credit report again until next year. I don't know if results would have been achieved if I had allowed them to continue working, but at this point, I am seriously disappointed in this service. Their work is poor-quality and they will not respond to my e-mail posing 2 simple, straight-forward requests. I intend to cancel as soon as their office opens on Monday.
    4 Votes

    • 35x35
      Sep, 2011
      trish
      I am sorry to hear the headache you went through. Reading your post that is EXACTLY what I went through. The cut and paste an incorrect address therefore got sent back to me. When I opened the letter they wrote on my behalf I was flabbergasted of the contents of the letter. Unbelievable. I called to cancel but they wanted me for another 3 months for free but I don't think so. BTW, the $10 charge for a FREE credit I caught on to that in the beginning. talk about being real shady.
      3 Votes

  • 35x35
    Sep, 2011
    Patrick
    I just cancelled with Lexington Law a couple of minutes ago. I used the service for 10 months. I was being charged $60/month. My credit score is the same today as it was the day I signed up. I have not been late on any payments for over a year. They removed 2 or 3 negative items from my report, but it didn't help any. Also, during the time I was using their service, I paid 4 or 5 of my creditors completely off.. Still, no change in my score. I don't think that this service is worth the money. I would suggest that rather than spending your money with them, you should contact your creditors directly and work something out with them.
    2 Votes

  • 35x35
    Sep, 2011
    Stefanie
    So I tried to respond to Miss Mary but it won't let me respond to anyone right now. The reply buttons aren't working for me. ANYWAY...I just wanted to reiterate what other people may have said. You HAVE to have positive accounts on your credit report in order to get a higher credit score or a credit score at all. Just because you or Lexington Law had most or all of your derogatory items removed doesn't mean your score will shoot way up. If your credit report is completely blank after your accounts are paid off and/or removed then you won't have much of a score at all. In fact you will show that you don't have any credit history. In February 2011 I knew nothing about credit. I had never had a credit card or unsecured loan or line of credit. All I had was student loans in forbearance and 8 unsettled collections ranging from att, sprint, bally total fitness, a dentist bill, and other bills like that. I failed to fulfill the contracts and eventually they got reported. I took my tax return and arranged a settlement with all the companies I could afford. Leaving me with 3 that are still unsettled due to the question of the validity of their balance. 3 of the 5 that I paid automatically came off my report. My score never raised a bit!! So I spoke with 3 different credit counseling companies and they educated me and all told me the same thing..."you need credit accounts, get a secured credit card or two and a line of credit if possible." I got a secured card and tried to get two but couldn't get approved through my bank. So I still have the one card that I have had for 5 months now. I also have a fingerhut account that I bought items and then paid off over a few months and then my credit limit got raised for making timely payments. These plus my student loans are the only good standing things I have and it has raised my scores to 540, 573, and 619 which all my scores were 522, 522, and 544. Which isn't a lot but is about 20+ points higher than what it was when I didn't have my secured credit card or fingerhut account. So far Lexington has gotten all of my paid collections removed and a late payment. Obviously the 3 that are left and unpaid may not ever get removed by Lexington but neither Lexington or I have received validation of those 3 debts and we have been disputing them for 4 months now. Though it is said that they have ONLY 30 days creditors and bureaus are allowed to send ANY kind of response which doesn't count against them. They will use stall tactics like sending you letters that say your dispute is "frivolous" or the collection agencies will make up an invoice on their letter head but it is not the invoice from the original creditor. I hope to have success with getting these accounts taken care of and if I do eventually receive validity of my actual $ amount owed then I plan to pay them immediately which is what everyone should do. I can't say the process with Lexington has been fast, but they HAVE removed things that otherwise wouldn't have come off until after the 7 years. So yes Lexington works, they communicate pretty good through email, though they are sometimes slow at responding.
    1 Votes

    • 35x35
      Oct, 2011
      diane
      I disagree with the statement about applying for credit. My husband and I tried to get credit cards and were denied ,and with all the denials our credit score went down.We were told do not apply for credit cards to earn credit because it lowers your score. Now our scores are in the middle 600's but apparently its not good enough. Futhermore everytime your check your scores ,your score fall. We now are going through Lexington Law and so far we are happy with thier services in two days items were removed completely from our credit scores. We are very pleased with with company....
      0 Votes

  • 35x35
    Sep, 2011
    ray
    by far this is the first site i been on that shoot from the hips L.W.thus far is a great source at least for me with in days they have did an outstanding job working with me and improving my 3 reports hats off to them
    1 Votes

  • 35x35
    Sep, 2011
    Meghan
    I have had Lexington Law for 2 months. I think they are great! They have removed 5 total debts. My credit report is so screwed up, I owe about $2500 in student loans, but according to my credit report I owe like $16,000. I had so many "duplicate" Sallie Mae entries. When I log onto Sallie Mae, it specifically states I owe $2500, not $16,000. So they have helped me alot and I will continue to use them. They are quick with responses, and super easy to work with. I think the people who have to high of expectations, will be the ones disappointed. I don't expect everything to be removed as I do OWE some money. I highly recommend!
    0 Votes

  • 35x35
    Sep, 2011
    David
    I hired Lexington Law 4 months ago to work on fixing my credit. In 4 months they took off 2 minor things on my Trans Union report, I had already done this with Experian and Equifax. In 4 months they did virtually nothing, never kept me up to date on what was going on, and then when I called in just one time to ask what was going on and to kept a report of what they were doing, they cancelled my account and didn't even inform me of doing so. When I called up to speak with them they were like talking to snakes, like having a conversation with a car salesman that doesn't like you. I consider these people to be a joke beyond belief. Instead you can signup for Experian credit service and dispute whatever you want to yourself within that service, and this has worked very well for me, and it was very easy to do. Lexington Law did nothing whatsoever and told me they though "Experian was stalling for time", yeah right, no Lexington Law, it was YOU who was stalling for time. Hiring Lexington Law is like hiring a con artist lawyer to help you, I learned my lesson. David
    0 Votes

    • 35x35
      Sep, 2011
      Jeremy
      If they closed your case it would of been due to a few reasons. Either A) You never made you monthly payment on time so after 4 attempts to collect they closed your case. B) The billing information was no good. In regards to updating you, everything is sent through email updating you in regards to the challenge and intervention letters that are sent out. It could have been possible that they just did not have the correct email address on file. Secondly and the most important and it goes with any law firm.. Read the retainer... It clearly states that you are paying for their service, not the results and that is why they can not garuntee specific results, in fact NO credit repair company can garuntee specific results on any credit report.
      0 Votes

    • 35x35
      Sep, 2011
      David
      Hi Jeremy, just curious, do you think it's possible that the reasons you gave is not the reason why they closed my account? And also, do you think it's possible that your post was an attempt to discredit my assertion that Lexington Law are crooks for the most part? I mean, if I didn't pay for their service like you say, then that's why they closed down my account right? Take a look at your post again, and see how what you're trying to do is use trickery in order to make it appear as if my assertion doesn't have any validity because A. I didn't pay for their service even after they tried 4 times, or B. no credit repair agency can do everything. Listen Jeremy, I really don't care what you think, but don't insult my intelligence, I'm a scientist and philosopher, and I know exactly who and what Lexington Law is, a bunch of low class lawyers and those who wish they could be lawyers, preying on people with their overall scam service.
      2 Votes

    • 35x35
      Sep, 2011
      Jeremy
      I apologize if you believe that I am insulting you, that was not my intent. I was simply informing you of the most likely reasons as to why your case was closed with them. Every individual is entitled to their own opinion, and in no way do I doubt that you may of had a bad experience with them. It happens from time to time. Unfortunately it is not a perfect world, and not everyone gets what they want. What I am trying to point out however is that I am sure there was a valid reason in regards to why your case with them was closed.
      0 Votes

    • 35x35
      Sep, 2011
      David
      Hi Jeremy, But just so you know, there is no "valid" reason other than the fact that I had the nerve and the balls to complain when I found out they hadn't done a thing for my case, and when I complained they cancelled my account without telling me, essentially ripping me off for $400. So you keep living in your fantasy world where everything is ok and where people are all nice and friendly and nobody is out to rip anybody else off .
      0 Votes

    • 35x35
      Sep, 2011
      Bill
      David (and Jeremy) - we appreciate each of your view points, as your differing perspectives on Lexington Law can help inform our community. Please also do you best to focus the feedback on your experience and the company, it's our personal opinion that more personal feedback is less useful to our community. Thanks guys, and thanks for helping make Bills.com a better resource for consumers making tough money decisions.
      5 Votes

    • 35x35
      Sep, 2011
      David
      Well just to let you know something that you should already know, Jeremy is just an employee at Lexington Law trying to create doubt about anybody who would post here claiming they were not treated right, that's his purpose, otherwise he would not be here wasting his time posting, understand? So you are allowing the enemy come in here and post their nonsense.
      0 Votes

    • 35x35
      Sep, 2011
      Gerald
      I have been with Lexington for 2 months and they have taken many things off of my credit report. David it is to bad that you did not have good results. My debts were old and from a divorce 5 years ago. Lexington Law told me that if they could not show proof that I signed for the debts, then they could be removed. If your debts are new and you did not settle them, then of course they can't take your items off. David maybe your debts are not old enough. If they are old and you have settle, then they can clean up your credit.
      0 Votes

  • 35x35
    Sep, 2011
    EDA
    I am currently going through Lexington Law to fix my credit and at his moment I'm very pleased. I had judgments that they removed, the payments are a little up there but it's worth it. Thank you, Lexington Law.
    2 Votes

    • 35x35
      Oct, 2011
      ernestine
      I hope you are not disappointed in the end. They really don't do anything that you can't accomplish better on your own. Why pay them when you can do the same or better than what they are doing. You're really wasting your money.
      0 Votes

    • 35x35
      Oct, 2011
      Bill
      The same can be said for automobile mechanics, landscapers, personal trainers, nutrition counselors, manicurists, housekeepers, plumbers, tax preparers, pilots, child care providers, farriers, house painters, actors, seamstresses, lawyers, radio operators, cabbies, and 100 other jobs that ordinary people do themselves every day. However, in some circumstances, a consumer is money ahead when they hire someone trained to do the job for them.

      Does this mean consumers should avoid tackling their credit reporting problems themselves? No. We describe how consumer can do it themselves in the article above. Does this mean that everyone should do it themselves? No, there are some consumers who should not because they lack the necessary skills or interest.
      0 Votes

    • 35x35
      Oct, 2011
      John
      I have been with Lexington Law since Feb 2011, when I first spoke with them, I was told that I'm gonna see the result and credit score improved as short as 45 days. I was waiting nothing has been removed, I have called to canceled the service and was informed that it's not guarantee that it was gonna be removed! I just wonder how dare their advertised themselves as a number one credit repair company!! $80 a month for nothing it's just waste!! Go ahead and cancel the program believe me!!
      0 Votes

  • 35x35
    Sep, 2011
    Robert
    I am currently using Lexington Law Firm to assist me with credit clean up of late payments I had between 3 and 5 years ago. I was deployed with the US military into Iraq when these late payments were reported. Lexington Law has had two of six late payments removed and it seems adequate progress has been made on the other four. However, I am paying for their Concord (most expensive service); I believe this has helped expedite their actions as well as kept me informed throughout their process. I am paying $99 a month for the premium service and will be purchasing another house in late spring of next year, with a cleaner credit report I expect to save thousands on the mortgage. Since I expect to use the service for approximately 4-5 months I am happy to pay fore this service. Although, my contentedness with their service probably results from having legitimate problems with which I had trouble solving myself. I certainly did not ask them to remove a debt I owed outright. Good luck to everyone else who could use better credit! My ultimate goal is to have an american express black card, then never use it! HA! Ok maybe for gas... PS The first two late payments were removed after 28 days which is five days before the firm's "normal expectation time".
    1 Votes

    • 35x35
      Sep, 2011
      cynthia
      I have been using Lexington Law for three months now, and they have done a fantastic job. My credit was 538 when they started and in three months it went to 637, I am so grateful for the work they are doing. They keep you updated, many were from an bankruptcy they had removed, (Lexington Law) I am so happy with them and I will continue to use them (paying 99.00 service) until my reports are normal for a black American Express
      3 Votes

    • 35x35
      Sep, 2011
      robin
      I cannot believe any of this negative stuff. I hired Lexington Law Firm 4 mos ago and they have done a terrific job for me. Yes, I do pay on time every month and yes, they have done a good job for me. They had a judgement removed off my credit file along with 13 other negative items. I guess you cant please everyone, but if you google the number rated credit repair, you will see Lexington Law Firm right there. They are rated number 1. You dont get number and stay in business as long as they have if you do customers wrongs. Sorry guys but something must have went wrong on y29414our end.
      1 Votes

    • 35x35
      Oct, 2011
      michael
      Sorry Robin,But your a fake too.I almost fell for it hook line and sinker,until I asked them if they were affiliated with the BBB.I asked the ageant on the phone how could I obtain proof that they were legit,he told me happily,well,you can check the BBB web site.I went to the site while he was on the phone.He asked me if I could see the A+ rating,I said no,all I could see was a bunch of questions conserning there affiliation,all of the questions answersed to a big NO!He thought he had me,I mean,come on,it was all explained right in front of my eye's.Then he quickly changed his toon and tried to explain his way out of it.Then,he told me that he had other customers waiting,and hurried me off the phone.So,for all of you out there who are thinking about doing this,check these jokers out first,dont let them take your hard earned money.All of the peaple writing all of these great comments about there wonderful experiences with this firm are full of it,there working for the company,all there experiences are fake.They all sound like one of those fake infomercials you see on TV.Go to the BBB website and check it out for yourselves.Good luck to all of you honest peaple,and to all of the liars and faker's,Much later!No money for you!
      1 Votes

    • 35x35
      Oct, 2011
      davon
      chicago here. well michael so sorry for your comments but lexington law isnot a scam and it works. they work hard for me, since I have been with them for 4 months an have had 13 things off so far. loving it but not everybodys credit is the same. some have real bad credit, and some dont know how old their accounts are and how new are they. i have had new and old stuff removed off that is mind so give them time you cant rush credit. good luck to all that use this site.
      0 Votes

    • 35x35
      Oct, 2011
      Autumn
      Let me start by saying I DO NOT WORK nor am I affiliated in ANYWAY with Lexington Law. I am actually considering their service so I don't have any results, good or bad, to speak of. However, I did just want to thank Michael T. for helping me make up my mind. While I can appreciate that he's disappointed their not accredited with the BBB, I actually find it reassuring that even when not accredited they still manage to keep an A+ rating with them. I know that the BBB gives higher ratings to those who pay their annual fees (i.e. are accredited with them) so the fact that even without the BBB assistance, Lexington Law was able to keep such a great record is a definite plus in my mind. I'll be happy to post again later and let ya'll know how my experience is going/went.
      0 Votes

    • 35x35
      Oct, 2011
      Charles
      They actually helped me. The price (was high), but they get results. I did receive one of their letters to a creditor in the mail after they used the wrong mailing address. I can't say it was just God awful, but they do sign your name to it and I didn't like that.
      0 Votes

  • 35x35
    Sep, 2011
    Jeremy
    I have been an employee of Lexington Law in the past and I have read many of the posts in regards to the services. I know it has been mentioned several times that they 'lock' you into a monthly payment plan (Keep in mind there is 3 levels two of which they DO dispute directly with the creditor as well). There is no contract keeping you a client with them. They have a very lenient cancellation policy compared to most (CROA requires atleast a 3 day window for clients to cancel their case without being billed for the retainer. Lexington give them 5)which is all explained in the retainer agreement that is signed for every new client not including the copy that is sent to them. The one thing to keep in mind is that it did not take you a day to get into bad credit and it won't take a day to get you out. I have helped clients that have had alot of negative items removed, more so than normal in the first few months. I have also seen cases where after a year we have not seen nearly as many negative items removed as we had hoped, and most often times it is due to high balance debt that is still owed. That is why they can not guarantee results, only their service. They have been doing it for 20 years, and as they get bigger the more complaints that will obviously happen. It's unfortunate that more people who have positive things to say do not post their reviews nearly as much as those that feel cheated out of their money because they expect quick results or did not understand the cancellation policy at the time. They not only do what they can to get those negative items removed from your report, but they are even willing to explain how you can begin rebuilding your credit while they are doing it, not including the huge resource of information on their clients websites. I hope this clarifies a little bit more to those who are interested in the credit repair options you have. Obviously Lexington won't be the perfect fit for everyone just like any other place out there. P.S. Lexington Law Firm is an actual law firm, not just a company using the title. They do infact have attorneys staffed in the same building not including affiliated attorneys that are all of the U.S.
    3 Votes

    • 35x35
      Sep, 2011
      Bill
      Thank you for the inside scoop on Lexington Law Jeremy, and you are right that most satisfied consumers do not post nearly as much as disenfranchised consumers. Your perspective is welcomed.
      3 Votes

    • 35x35
      Sep, 2011
      rhonda
      thanks jeremy :-) i am super scared in using any company and dont have money to pay Lexington Law right now. would it be a good thing to the problem myself? or will it just take longer? cause the debts are from this year all paid off. I have the letters stating that i paid them all off in full and have a zero balance. I also dont have an open line of credit currently which is probably hurting me as well. would opening a credit card like orchard bank (cause i cant seem to get a credit card right now) would help me look good as far as having an open line of credit. nonetheless im wondering what i can do now to raise my score and when i get a job to pay lexington law then i can take those steps.
      0 Votes

    • 35x35
      Sep, 2011
      Bill
      A secured credit card where the credit card issuer reports the account activity to the consumer credit reporting agencies will provide a positive influence on your credit score.

      There is no "secret sauce" in Lexington Law's activities. If you follow the steps outlined on this page any consumer can dispute derogatories on their credit report.
      0 Votes

  • 35x35
    Sep, 2011
    Anthony
    I called yesterday morning and signed up. At 5:00pm, I cancelled my account. Thank God it only cost me $9.99. The guy Galen who took my info and set me up told me SPECIFICALLY that if one of the challenges is not answered in 30 days, it MUST be removed from a credit report. He also told me that my involvement and other costs would not exceed the monthly charge of 90+ dollars. Later I called the "paralegal" who was reading from a script. She told me they give up to 45 days and sometimes longer for challenges to be answered (Galen said 30), she said that I have to supply my own monthly credit reports or pay for them through Lexington separately myself (again, Galen never told me that). Look, whether or not they are good at what they do is immaterial; I don't do business with bait and switch places. I cancelled my account immediately and recommend you all follow my path.....do it your self. It saves money, and educates you on the subject. You don't need a firm like this. Lesson learned for $9.99.
    0 Votes

  • 35x35
    Sep, 2011
    Eric
    I was thinking about Lexington Law but not sure if they can help me.. We have about 4 debts that are about to be removed in Dec 2011/Jan 2012 after the 7 years and all are way past my states SOLs. What confuses me is these were charge offs that show up on my account from 2004 that's fine but then another company bought the debt in 2006 and now they are reporting the bad credit as well. So that's two bad reports on each of the 4 debts. Is this normal?
    0 Votes

    • 35x35
      Sep, 2011
      Bill
      Debt collectors often re-age debt. Please read about how to dispute re-aged debt, and ask any follow-up questions on that page.
      1 Votes

  • 35x35
    Sep, 2011
    Fee
    I recently received a copy of my credit report for all three bureaus reporting a 90 day late for a $2000 student loan that's a year old. At the time this was reported late I requested for the loan to be put in forbearance, this was done including the 90 days late that put my account in "good standing", however still reflects as a negative item on my credit, and my score dropped 100 points because of it. Today I inquired with the student loan agency about paying this amount off. I was advised that once I pay this off, they will report to the credit bureau that the loan is closed and paid in full, but they will not be able to submit a request to credit bureau to remove the 90 day late. Eventhough the balance is paid, the negative impact will remain. Please advise if there is anything I can do about this.
    0 Votes

    • 35x35
      Sep, 2011
      Bill
      The creditor, I believe, could agree to a pay for delete, but it is not required to do so. Saying it is not able to do so, however, is an overstatement, as far as I know.

      Once the debt is paid, you can try to use credit repair tactics on your own or try hiring a firm, such as Lexington Law. If you speak with a professional credit repair firm, make sure to inquire about their success with student loan debt.
      0 Votes

  • 35x35
    Aug, 2011
    Tracey
    I signed up with Lexington Law today, I was denied for a personal loan and the company I applied with advised me to clean up my credit as they stated It looked like I had multiple mistakes from back in 2003 which were making me suffer as overall I have good credit history with other companies. I have 4 negative's on all 3 reports, one is a charge off and that was my husbands bill so I don't know how it ended up on my credit and the last time that was reported on was 2008. The other 3 negatives are a 30 day late on a capital one auto loan back in 2003, 60 day late on my mortgage when it was with another company before my current mortgage company bought them out and that was in 2004, which I can't ever remember happening as we were military living overseas at that time and as far as I recall was never late!! A 30 day late on my current mortgage (never happened)!!! Anyhow my score right now is 619 and I have good lines of credit, Its just these negatives are stopping me getting approved. I am feeling positive after speaking to them today as the agent said she has seen a lot worse and said it could all be over in a couple of months, I am hoping no longer than 6 months though. They were very professional on the phone and made me feel very positive about the outcome. If & when these negatives get removed off my credit, how much could I expect to see my score increase by? I need to get over a 660 at least??? Thanks
    0 Votes

    • 35x35
      Aug, 2011
      Bill
      If you can successfully dispute a 30-day late on a mortgage, your score could rise to the 660 level on that alone, as a mortgage late is a serious derogatory. If you get the mortgage and other items removed, you should easily reach your goal. I am assuming, in both instances, that you have some positive items reporting on a monthly basis. At least three positive tradelines should be maintained at all times.
      3 Votes

  • 35x35
    Aug, 2011
    Samuel
    Lexington law is a scam site. I used them for close to half year and payed them more close 700 dallors. They lowered my scores and would do absolutely nothing unless i called them to work...they say on there site and tutorial to be confidient lol. i was..and when i sent letter to close account I also let them know i had no confidence in them any longer. I dont need credit i can afford pay everthing i need in cash. most cannot. But this place must have very strong connections to keep this big of a scam going. Tis the america way nowdays.
    0 Votes

  • 35x35
    Aug, 2011
    Brian
    This firm is a rip off. A representative from Lexington Law contacted me. At first, I was interested in hiring the firm, but later found out that I could do for myself what Lexington Law wanted to charge me for. I was told he could run my credit report for $9.99 for all three bureaus and if I wanted to retain / hire them to work for me that I would have to fill out a retainer agreement. I never received the retainer form so I contacted the Firm the next day and told them I was no longer interested in their services. I counted the $9.99 for 3 credit reports as a loss, however according to the rep they pushed my information thru without my consent and 2 weeks later and were expecting for me to pay $100.00. I told them had not authorized or retained Lexington Law Firm for any transaction other than a credit report on August 9, 2011 by Bryson P. I explained to Eric, who identified himself as an attorney when he called me, that no one has contacted me regarding this account until he called today. I felt suspicious about the call because Eric acted as if he did not know of Bryson P. or Abbie G., the two Lex Law people I had been in contact with. When I raised my concerns, Eric became very rude which caused me to become upset that Lexington Law firm was deducting $100.00 without my authorization. After Eric hung up on me, I called back and was connected again with Bryson P. I explained that I not retain Lexington Law firm to represent me based on the customer service that I had seen so far from Lexington. Bryson stated that neither he nor I authorize the deduction and admitted that it was push thru by a manager, Marco B. I thought this company would really make a difference for me but I've found out they're just another scam.
    0 Votes

  • 35x35
    Aug, 2011
    Keith
    In March 2007, I switched from Cox cable to Verizon FIOS. Today, I got a letter from Eastern Account System that showed "service balance due: $xxx," "equipment balance due: $xxx" and "total balance due: $xxxx", on the same sheet of paper with the same account number. I checked my credit report, and saw it listed as TWO negative credit items from June 2011. Setting aside removal of the negative credit items or paying the balance (both of which I want to do): is it legal to list a single "total balance due" as two separate negative credit items? Is it legal to list a June 2011 delinquent date when any delinquency occurred in early 2007? I realize this collector may have received the account in June, but isn't my credit based on when I was (allegedly) delinquent, not the date on which a collector took over my account? I am actually more upset by the double-listing and 2011 date than I am with the actual claimed debt - which, for the record, I don't recall owing.
    0 Votes

    • 35x35
      Aug, 2011
      Bill
      Although I have a suspicion that the double listing is improper, I am not sure. There may be language in your contract agreement which allowed Comcast to show it as two separate debts. I think it likelier that it is a tactic being used to cause maximum harm to your credit score.

      Rules on how the debt is reported are different for the original creditor and a collection agency that is hired to service that debt and a collection agency that buys the debt.

      Your debt should not have been re-aged, which causes greater harm to your credit score, as the scoring algorithm places greater emphasis on recent activity. This is a common tactic by collection agencies. I believe that it is violation for the collection agency to misreport the date of first delinquency.

      You can speak to an attorney that handles cases regarding violations of the Fair Credit Reporting Act to see if the actions you described indeed violate the law. If you find out more, please report back.
      0 Votes

  • 35x35
    Aug, 2011
    Gabriel
    Lexington Law is a legitimate credit repair facility with a money back guarantee! Thats right, a money back guarantee. No other place offers that because other companies do not fight on your behalf. The majority of the people here leaving bad comments are people who do not allow sufficient time for the repair to take place. Credit repair is a lengthy process that can take more than a year at times. But most people are not that patient. They want it done fast so they can get another set of credit cards and rack up huge bills.... AGAIN! Companies that leave bad remarks on your report must follow specific guidelines when they do or face deletion of negative remarks. Lexington law does exactly that, follows all credit laws and makes sure that all guidelines have been followed by the reporting companies to make sure that if a negative item has been placed, that it was placed correctly. Most comments here are placed out of sheer ignorance of the steps it takes to repair credit. Thank you Sincerely, GRQ Consulting
    3 Votes

    • 35x35
      Aug, 2011
      Gezam
      you are absolutely correct!!! Lexington Law has done everything they promised to do , I have a few more deletions and then my credit report is all clear thanks to them! It has been a year and still counting, but worth every penny. Yes, I could have done it myself, but who has the time to send all that paperwork and keep on top of it all. You are paying for the convenience, I am telling all my friends about Lexington Law.....thanks to them I can now buy a house in MY name!!!! Very happy and would do it ALL again!!
      0 Votes

    • 35x35
      Aug, 2011
      kelvin
      I agree with you. I used Lexington Law in 2007 and they did a wonderful job. Credit repair is a lengthy process, it doesn't happen over night. The firm kept me highly informed and notified me of any letters that were sent out on my behalf. Prior to Lexington Law my credit was shot, afterwards I was able to afford a home that cost me over $200,000. Bottomline, YOU made the mess, they are solely here to help YOU clean it up. Patience people. Additionally, before you sign something read it. What they promised me is exactly what they delivered. Thanks Lexington Law and I would highly recommend you to my friends.
      1 Votes

  • 35x35
    Aug, 2011
    stephanie
    Lexington law is a SCAM!!!!!!!!!!!!! What I paid this company was not ever worth the trouble. They will take your money and say they are working on your case. But really they take a long time so they can get more money from you monthly. They will throw you to the dogs once they get your money. And they take out money without your consent! DO Not Trust this company!
    3 Votes

  • 35x35
    Aug, 2011
    Bob
    Hi, My wife and I had a short sale (due to a family crisis that wiped us out) a year ago. My credit is otherwise immaculate, and after the initial drop in rating (due to I believe being forced to miss payments before the mortgage company would even consider the short sale), it is now climbing and at 700. My problem is you can't get a mortgage for at least 3 years after a shortsale is on your record. A friend suggested that Lex. Law Firm could remove the short sale from the report. Right now it shows as "Debt legally settled for less than full amount" Is this possible?
    1 Votes

    • 35x35
      Aug, 2011
      Bill
      It is possible, as your friend attests (and I assume you have no reason to doubt your friend's veracity). I can't tell you how likely it is to succeed. In part, it may depend on the creditor. The process to get an item off the credit report involves how the creditor responds. Some creditors may be much likelier to not follow through on the reporting, feeling it is time consuming and costs them money, so the item falls off the report.

      I tend to look at things by weighing the positive and negative factors. If the positive is a chance to buy a home much sooner and the negative is the fee to hire a credit repair agency, I would certainly look into the credit repair option if I were eager to buy a home in the next few years and a short sale was stopping me.
      0 Votes

  • 35x35
    Aug, 2011
    Miss Mary
    I have had Lexington Law for well over a year and they have removed over 40 Derogatory things off all 3 credit comp but my credit score has only gone up 19 points so now im not sure what to do anyone have any suggestions ??
    0 Votes

    • 35x35
      Aug, 2011
      Bill
      What positive accounts do you have on your credit report? Your score will not improve if all you do is remove negative accounts and do not have accounts in good standing that testify to your creditworthiness. It is a good practice to have at least three active tradelines in good standing at all times.
      2 Votes

    • 35x35
      Aug, 2011
      Ken
      I have also been using Lexington Law for about 6 months. They've removed over 20 derogs off my reports. My score has gone up about the same as Mary's, but I know that's what you should expect. I now have a secured credit card and a new auto loan- those are the things that should raise my score over time. I can recommend Lexington Law to anyone who doesn't have the time to send dispute letters themselves.
      1 Votes

    • 35x35
      Aug, 2011
      Laquise
      Yes, the other individual is correct. In order to increase your credit score you must have 2-3 open lines of credit which has been open for 6months to a year.
      1 Votes

  • 35x35
    Aug, 2011
    Kara
    I am thinking of going to lexington law. My husband and I have credit score under 600. I was wondering if it is worth it if our credit cards are in collections already and were not paid off?? We currently have small balance on our 3 credit cards to help our credit. Anyone here in a similar situation?
    0 Votes

    • 35x35
      Aug, 2011
      Bill
      Lexington Law does not provide debt settlement services, and you will be disappointed if you expect Lexington to resolve your debt issue. Lexington Law works best in situations where the debt is settled, and the derogatory entry has been untouched for many months. By contrast, if a collection agent is actively pursuing you for debt that is appearing as a derogatory on your credit report, then it is unrealistic to expect Lexington Law to remove that derogatory.
      1 Votes

    • 35x35
      Aug, 2011
      Daniel
      I went with lexington law and my credit score is now sitting at a good 790, but first you have to pay off your debts, I had a debt of around 20k dollars and got it all settled with a company called curadebt, you should give them a try.
      3 Votes

    • 35x35
      Aug, 2011
      jesse
      I don't know what's on your credit reports but I raised mine fico score 112 points in about 2 months. I had about 14 collections and now i'm down to 3. I contacted the collection agencies and told them I would pay the collections in full if they agreed to delete them completely off my reports. Most of them agreed and the collections were gone in a couple of weeks. I also had a couple of judgements on my reports that had been canceled and vacated. If you have a judgement contact the attorney and ask if he/she would cancel and vacate the judgement. Do this before you pay them off and have it in writing. To have a judgement vacated is like the attorney saying the judgement was filed in error. I faxed and sent certified mail copies to transunion, equifax, and experian. All were deleted within 30 days. I have a university of phoenix paid collection I'm working on, a Salle Mae late I'm working on, and a insurance collection that wasn't filed properly. I have to say I do have two credit cards with 90 to 95 percent credit available on them, a car loan with a bank and have never been late with a payment. Doing this yourself teached you a lot. However, it can be frustrating at time. Remember this if you don't remember anything else always be very, very, nice to the collection agencies associates.
      1 Votes

    • 35x35
      Aug, 2011
      Geraldine
      don't spend your money on this firm, My advice to you is for you to contact in writting the credit cards company,they can work with you. Do everything in writting no over the phone, search information before you pay someone to do a job that it can be free. The firm will offer you 3 package. They are big money rip-off. don't get desperatly jumping from one debt to a monthly debt with Lexington Firm. Good Luck
      0 Votes

    • 35x35
      Aug, 2011
      Noemi
      what exactly did you tell them when you requested they delete the accounts if you pay them off in full?
      0 Votes

  • 35x35
    Aug, 2011
    Harold
    I have been looking into using Lexington Law to help me repair my credit. This review helped a good bit. I have been reading a lot of pros and cons about them lately. They do seem to get results if you simply give them time though. One thing I did see on the BBB was mention that they are not part of the BBB, where several of the others have said that they were. I would like to know if they really are or not.
    0 Votes

    • 35x35
      Aug, 2011
      Bill
      Lexington Law is not a member of the BBB, but the BBB gives them an A+ rating. If you decide to work with them, please report back on how your experience with the process.
      5 Votes

    • 35x35
      Aug, 2011
      Christpher
      I mployed Lexington Law back in late March 2011. Since then they have fully removed half of my derogatory listings on all three of my reports. They are fast and very polite. As a 10 year veteran of the Federal Police system and a promising law school canidate myself, I can say they are both legit and effective AS LONG AS YOUR DEBTS ARE ALREADY PAID OFF!!
      0 Votes

    • 35x35
      Aug, 2011
      frank
      Lexington Law can help.Keep in mind that you will be charged an extra $100 on top of what they told you.They were very clear in telling me it was $9.99 to run my credit and the first 2 week trial was free.It would then cost me $99.99 a month.They also said I had up to the day before billing to cancel.So I tried to cancel with two days before the next billing cycle.I was then informed that the $99.99 was just a retainer.And that they are billing me the extra 100 dollars.It appears they are now a law firm who started out reputable but is now letting questionable business practices control them in their quest for the almighty dollar. Be careful with them and always have a couple of hundred dollars set aside specifically for their surprise revision of their fees at their own discretion.
      0 Votes

  • 35x35
    Aug, 2011
    Dennis
    I am a victim of aggravated identity theft that occurred in 2006. The police arrested the person. He plead guilty to the crime.H e went to jail. The judge also ordered him to pay restitution and meet with probation officer for four years. I have copies of the judge's order. The original credit card company has gone out of business and apparently sold this fraudulent account to four third party debt collection companies. There are terrible comments about these companies are on the internet. The Office Of The County State's Attorney sent one of these collection Companies a letter. They named the man who plead guilty and mentioned the restitution order for him to pay the fraudulent account. Since then this fraudulent account has a charge-off of $5,879.This fraudulent account has now six years later ruined my credit report. credit score. I pay all my credit cards in full every month, I have never been late. However, this account has caused one credit card company to decrease my limit on the card by $8000. This credit card I pay off in full every month. I've never been late.
    0 Votes

    • 35x35
      Aug, 2011
      Bill
      The credit bureaus should not be reporting the negative information about the fraudulent activity on your accounts, in my opinion.

      I advise you to speak with an attorney that handles cases involving violations of the Fair Credit Reporting Act. Do a search online to find one in your area or contact your local bar association for a referral.
      0 Votes

  • 35x35
    Jul, 2011
    Joey
    do you know if there is a SOL for tax liens? i have some state ones from the mid 90's i didnt know about and lex law says that can be taken off while i had others tells me tax liens are there to stay till they are paid. thanks
    0 Votes

    • 35x35
      Jul, 2011
      Bill
      See the Bills.com resource FCRA to learn more about the Fair Credit Reporting Act.
      0 Votes

  • 35x35
    Jul, 2011
    Nik
    My credit is pretty bad right now and I really want to work on cleaning it up. I was told from one of my friends about Lexington Law Firm. She has recently signed up with them and has had quite a few things taken off of her credit report. But knowing that it is possible to do this myself has me kind of confused on what to do. In addition to that I had a question about the statute of Limitations for credit card debt that I read in a previous comment I had a credit card in 06 from Capitol one. I was contacted yesterday by a debt collection agency that said I am going to be sued for this old credit card debt if I dont pay this ridiculous amount that I do not have. and they said I only have a couple of weeks or they are sending it through to the courts. If the SOL has passed can they still sue me now or how does that work?
    0 Votes

    • 35x35
      Jul, 2011
      Bill
      Read the Bills.com resource statute of limitations to learn more about this issue. Ask any statute of limitations-related questions on that page.
      0 Votes

  • 35x35
    Jul, 2011
    Joey
    There are companies that actually do things right out there and DO NOT CHARGE A MONTHLY PAYMENT that you'll never escape. Lexington only disputes to the bureaus. We work with the bureaus, the creditors, the collection agencies, and the court houses. We've been in business for 7 years successfully removing Collections, Foreclosures, Charge-Offs, Public Records, Late Payments, Inquiries, Tax Liens, Bankruptcies, Judgments, Repossessions, and more. We follow the rules of the FTC by remaining one of the few LEGAL CREDIT RESTORATION companies out there. We are also registered with the Secretary of the State and we're Bonded as well. I won't say Lexington Law is a scam, but I will say on a daily basis I speak with many people either contemplating going with them, or are already with them and very unhappy that they've been enrolled for close to 2 years with hardly any changes to their credit reports. Call me and we'll do a FREE CREDIT EVALUATION to determine how we can assist you have better credit within 6 months! That's right our program is maximum 6 months and we back that up WITHOUT CHARGING A MONTHLY PAYMENT!!
    3 Votes

    • 35x35
      Jul, 2011
      Bill
      Would you please explain Trinity Credit Service's fee structure? You said that you don't have a monthly fee. I noticed that your Web site says that you have a money-back guarantee, but it is not clear how you charge and how much you charge? Also, please explain your company's "F" rating with the BBB.
      3 Votes

    • 35x35
      Jul, 2011
      Bill
      The BBB thing is not within our control. Of the less than 30 complaints we’ve had (which is far less than 1% of our business), we’ve resolved all complaints. Oddly enough Lexington has just shy of 300 complaints and receives an A+ simply for paying the BBB of their area. Not only do we not pay the BBB, but it is also not allowed in the Dallas area, and Lexington would know that also if they were in Dallas.

      The Better Business Bureau which used to be quite reputable is no longer the same. Here is the entire 20/20 report on the BBB. If you haven’t seen it it’s worth 9 minutes of your day.

      As far as our guarantee, we have 2 actually. 1 guarantee is that any item we get removed from someone’s credit will be a permanent removal and will not come back to haunt the client later……Lexington does not offer this. Also we have a full money back guarantee if the client does not see an improvement on their credit from the date of enrollment until the time of completion, which is 6 months.

      The cost of our program is unique to the client’s credit profile. No 2 clients are the same. We don’t use a cookie cutter pricing structure, nor charge a monthly fee, and honestly no company should as it’s unfair to the client. The reason for my “not immediate” reply to this email is because I was speaking with a client that wants to leave Lexington because he has been with them for 14 months and feels as though he’s seen nothing. He was told by Lexington that they “estimated” 6 months originally.

      Lexington only disputes up to 5 accounts per month, while we dispute 100% of the negatives from day 1. Lexington only goes to the Credit Bureaus and we go to the creditors, collection companies, and the courthouses along with the Credit Bureaus also.

      We’re simply a better service than Lexington and don’t deserve an apples to apples comparison when we’re compared to them.
      0 Votes

    • 35x35
      Jul, 2011
      Bill
      Thank you for your detailed reply, Joey.

      While I appreciate your comments about your pricing structure, I don't like the fact that it is not clear from your Web site how the fee structure works. works For the consumer, in my opinion the lack of transparency is not a positive factor. I accept that things become clearer to a potential customer, once his or her credit report is viewed, but the lack of upfront information does make it impossible for consumers to know if they are being treated the same as others. In my view, that is not a fatal flaw, necessarily, but it is a negative factor.

      I checked with the BBB in Dallas. My inquiry to the BBB stated, "Can you explain to me what the notation 'BBB concerns with the industry in which this business operates' means?"

      I assume that separate BBBs use different rating criteria. For instance, the largest credit repair company in the USA, Lexington Law, has a BBB rating of A+. I think it a reasonable inference that the Utah BBB that gave Lexington Law an A+ does not share the Dallas BBB’s concerns about the credit repair industry."

      "How is a consumer supposed to use the BBB as an educational tool in this instance? Wouldn’t the average consumer see an “A+” for one company and an “F” for a second as a strong endorsement of the first company, especially when one can access the two ratings by searching from the same database?"

      The Dallas BBB responded, "The notation 'BBB concerns with the industry in which the business operates' applies to several types of businesses (in this case, credit repair services with an advance fee) that BBBs find historically generate complaints and/or operate illegally. There are a number of TOBs that are characterized this way and that are penalized in their ratings score because of it. That may explain the difference in our report on Trinity Credit Services and Utah’s report on Lexington Law. In the latter case, the company is classified as 'credit repair services – no advance fee,' which does not trigger the same ratings hit as does 'credit repair services – advance fee.'"

      "In fact, all BBBs use the same rating criteria. But all credit repair companies are not alike. Those that charge advance fees are almost always problematical, while those that don’t usually aren’t. That’s why two different credit repair companies can have widely different ratings. That could be a factor of their complaint records, but, in this case, it’s a factor of their TOB classification."
      1 Votes

    • 35x35
      Jul, 2011
      Joey
      It seems there common charge is around $900, i did a search for trinity credit services reviews and it was on a complaint board, though they had some people reply back saying good things but im a little skeptical of that bc how would someone know to go to the site and offer a rebuttal. as someone who is looking at lexington, the guys reply did arise some interest in me but at that cost, no thanks, ill take Lex law and the monthly fees. it would help if they would post some ball park fees bc that tells me they are expensive and want to get the person on the phone and apply sales tactics to get them to sign.
      0 Votes

    • 35x35
      Jul, 2011
      Joey
      While I'm not at liberty to discuss the charge of the service (since we must physically see someone's credit reports to determine), I can tell you that our cost is for a 6 month TOTAL program. I don't mean to target Lexington Law out because many "dispute mill" credit repair companies charge identically, and that is to charge enrollment fees, along with never ending monthly fees. Do the math against the $900 figure you're using. With Lexington it will cost $99 to enroll, and then I would assume you'd want the best product they're offering, which is $89 dollars a month. Chances are great you'll be enrolled a minimum of a year, so that is already $1167, and they're only disputing 5 items per month at the credit bureau level. We go to the bureaus as well, but also the creditors, collection companies, and with public records also to the court houses as well. We are not an apples to apples comparison by any means, and honestly we are cheaper in the long run, but I wouldn't advise letting cost be the only deciding factor.
      0 Votes

    • 35x35
      Jul, 2011
      Stefanie
      So if you don't charge a monthly fee, then WHAT do you charge? Obviously something! And YES Lexington does dispute to the Creditors not just the Bureaus. I know because I have received response from some creditors due to letters being sent out by Lexington. It wasn't me that sent them letters and I know it wasn't magic!
      0 Votes

    • 35x35
      Jul, 2011
      Joey
      Stefanie, Thanks for contributing. We "charge" based on the amount of work that needs to be done on someone's credit profile. There are many factors and risk assessing involved with everyone. We then give the final price before having anyone enroll with us. They then decide if they wish to use our services and we send agreements at that time. If someone needs it, then we offer payment plans to pay off the cost of our services (usually 2-3 payments). As far as receiving the letter from a creditor, I will still disagree that Lexington did that. Chances are probable that they simply disputed the account with the bureau, and the bureau contacted the creditor. Attempt to find somewhere in writing that Lexington contacts your creditors directly and you will be unable to do so.
      0 Votes

    • 35x35
      Aug, 2011
      Steven
      Joey S. You mentioned about your Credit Restoration Service etc....and said to contact you....but don't see any information or a way to contact you directly. Thanks in advance.
      0 Votes

    • 35x35
      Aug, 2011
      Joey
      Steven B, I would love to provide you with my contact info, however Bills.com blocks it out. my email is my first name at trinity credit services dot com.
      0 Votes

    • 35x35
      Aug, 2011
      Greg
      Joey, Come on, before you talk trash at another company atleast look up the facts. Yes, Lexington does send out letters to the creditors.
      0 Votes

    • 35x35
      Aug, 2011
      Bonnie
      This is not true. I went with Lexington for a full year and they had sent out multiple letters to the creditors as well as the bureaus. I am completely satisfied with my services.
      0 Votes

    • 35x35
      Aug, 2011
      Christy
      Last week I contacted Trinity and spoke with a represenative who was very easy to talk too. We spoke about both mine and my husbands credit reports. When I asked about the fee's he told me he would need to review our credit reports before he could give me a fee for service. We had to pay 10.00 to an online credit agency to pull my husbands credit report so it was not free. The Trinity rep asked me for the user name and password and security password so that he may go online to view the report in order to determine how much he would charge. Prior to providing him this information he walked me through a file that he was working and explained that he was charging this other client $960.00 and she had a judgement against her. To me I thought to myself well our fee should be lower as we do not have any judgements against us. Once he viewed my husbands credit report, he explained that the fee would be $960.00, which ironically was the same as his other client. Without even looking at my credit report, he advised me it would be $960.00 to work my case as well. BUT, if we both signed up, he would work both of our cases at a discounted rate of $900.00 each, total $1800.00. So I am not too sure about reviewing reports to determine fees, because the fee seems to be $960.00 based on what I have seen personally. Also, my husband advised the rep that he would pay cash for the services if we chose to go with the company. He asked my husband if he could speak to me before the call was ended. Once I was on the line, the rep advised me that he would need for me to give him my credit/debit card info in order to schedule payments for my husbands services. He said we could break it up into 3-4 payments. I told him I was not comfortable with scheduling future payments and he assured me that if the money was not available in my account, it would not overdraft my bank account. That was not my concern, we still wanted at this time to review the BBB's rating prior to paying out any amount of money, $1800.00 is not easy to come by these days. Once my husband over heard the conversation, he asked me to tell the rep that nothing will be paid over the phone today and no future payments will be scheduled TODAY. After I hung up, he said, we will not use this company becuse I just explained to this rep how I would handle payment on this account (CASH) but yet, he asked to speak to you immediately after our conversation to imply you would need to give him your credit/debit card information for future payments. Therefore we are now looking into using Lexington Law but have not yet determine how we will proceed.
      0 Votes

  • 35x35
    Jul, 2011
    Matthew
    I have read a lot of reviews and even though there are some not so good reviews about Lexington Law, I have decided to give them a try. I decided to go with this company for a few reasons. They have and A+ with the BBB, they have been in business since 1991, and they appear to have a very good track record of getting bad stuff removed from your credit. My initial phone call went good, they were not pushy at all and explained everything to me on good detail. They took the time to listen and carefully answer my questions. I asked about getting my wife on with me and they offered $99 for both of us together for their First Work fee. We also got to pay that fee after 30 days, not the 5 days they ask for. We decided to go with their "Concord Standard" plan (middle plan) for $70 each per month. If we see improvement in the first 2-3 months we will probably upgrade to the best plan they offer for $90 per month. I know this is very expensive but about 5-6 years ago I was in a very bad place with my credit. I decided to challenge and dispute everything on my credit and work on it by myself. It took me 2.5 years (give or take a few months) to get my credit from a 502 to a 730. I can tell you from first experience that that road was very long and frustrating. At the beginning of the year our credit went to crap for reasons beyond our control. I figure if this company can get our credit straight in just half that time they are worth their weight in gold. I will try to come back in 3 months and give an update on the progress of our credit and how this company is performing.
    2 Votes

    • 35x35
      Jul, 2011
      Lawrence
      Hello. I was wondering if one of those credit agencies can take bills that are paid off your credit report? I just finally had paid off the little debt i had on my credit report, and now the collections still sit as "Faid", or "Paid in Full"... Is there someone who i can reach out to to try to have those removed? Someone also told me if a collection account that is paid off still sits on your report, it keeps your score low also. PLEASE HELP! Thanks!
      0 Votes

    • 35x35
      Jul, 2011
      Bill
      Inaccurate derogatory items appearing on your credit reports can be disputed. That is the basis of Lexington Law Firm's business. Reread the original answer above to learn more about Lexington Law.

      Read the Bills.com resource FICO Score basics to understand how your credit score is calculated.
      0 Votes

    • 35x35
      Jul, 2011
      Stefanie
      Lawrence, I started focusing on repairing my credit in late February 2011. I signed up with Lexington Law May 26th 2011. I had 3 paid collections on my credit report on May 26th. Yes my score did lower a little bit after those collections got paid. I think by about 15 points or so my score was lowered. The reason your score gets lower AT FIRST is because once it is paid the account is updated with the date in which you paid off the account making it appear as a "new account". I don't know the details of why this would affect your score since it clearly states it is "paid" but I do know for a fact that your score will go down. Anyways, It is now July 13th 2011 only 1.5 months since I signed up with Lexington and 2 of 3 paid collections were removed. My score only went up by about 20 points so far due to these removals but it is still an important jump up! I also added a $300 secured credit card (since I don't qualify for a unsecured) I have had the card for 3 months now and kept my balance under 25% this has also increased my score by another 10-15 points each month though it does fluctuate.
      1 Votes

    • 35x35
      Jul, 2011
      Jason
      Here's the business model of Lexington Law, and this important to understand THEIR motivation. They have a setup fee and monthly payment. When you get into a monthly payment plan, in who's best interest is it to do a fast repair? Not theirs. They only dispute a couple items per month. Not on all 3 bureaus, on each credit bureau. So 1 late payment that is reporting on all 3 bureaus may not even be disputed on all bureaus for months. If you have 5 collection accounts that are reporting on all 3 bureaus (15 negative items) then they will be disputed over 3 months. They dispute about 5 items per month. So do the math, if they're charging $80 per month for 5 months, you've paid $400 plus the $99 setup fee. So you're out about $500. Their customer service people are not credit experts, they're just hourly employees that are given scripted answers to your questions. Attorneys aren't credit experts either, they may know the law, but typically don't know the FICO scoring models and don't know the FICO scoring software. Removing bad credit doesn't give you a good credit score. It is only your good credit history that will. So if you remove your bad credit, and don't have any good credit accounts you will NOT have a good credit score. Credit education is a large part of obtaining high FICO scores.
      2 Votes

    • 35x35
      Jul, 2011
      Bill
      Excellent comments, Jason. I think it fair to mention that Lexington Law feels it is a better strategy to not bombard the creditors with all the requests at once, and not just a strategy to keep a customer paying Lex. Law a monthly fee for as long as possible.

      You are 100% correct that a person needs to work on establishing a positive credit history, even if successful in removing past derogatory accounts. A basic rule of thumb for healthy credit is to have at least three tradelines in good standing at all times.
      1 Votes

    • 35x35
      Jul, 2011
      Joey
      first off, what a great thread going here. it seems the postive reviews do outweigh the negative reviews of lexington. seems like they are not miracle workers and probably various reasons why they couldnt get stuff fixed for some. but from what i can tell, it seems like they do as they say and if you truly have old and/or incorrect accounts, that this will work. as for having legit accounts, well, you could do it yourself and get the same results as they do. with that being said. i will give them a try but i do have a few questions... 1 - i have old tax liens from the 90's. my irs ones were done with an offer in compromise and most of the liens were removed but some werent so getting those removed im assuming shouldnt be an issue. but i do have 2 from state taxes or state sales taxes from the mid 90's... i didnt even know i had these. i thought they were paid. they told me that they can remove these bc of the statute of limitations but i thought that with tax liens there wasnt any time frames on them?
      0 Votes

    • 35x35
      Jul, 2011
      Beau
      Jason you sound like an expert when it comes to the business model of Lexington law Firm. Fact of the matter is you can pay as low as $49 per month on a month to month basis to have the law firm dispute with ALL THREE of the credit bureaus. Lexington always charges you after they perform their service at the end of 30 days. If your unhappy you can call and speak to any paralegal and if your super unhappy one of their attorneys will speak with you as well. If you flat out are pissed they will give you your money back. Lexington allows you to set a top five priority list for each credit report on your case valet on their website. You choose the items that you want Lexington to focus on. If you have nine negative items why in the world would Lexington send nine dispute letters to any of the credit reports? That just sounds stupid. 4-5 letters go out during each cycle of their service and you see results typically within 60-90 days. Clients need to be proactive in sending any letters they receive from the bureaus and also need to update their credit reports with Lexington Law every 60-90 days so they know specifically which items have been removed and which haven't so they can restart another cycle. Lexington does 4-5 cycles in a year. People should know that there is no guarantees or promises ever given over the phone by Lexington's paralegals. It's against the law to give any guarantees and any paralegal doing so can be written up or terminated. The guarantee of doing nothing is each item will stay on your credit reports for at least 7 years if not longer. Other items can stay on there for a lot longer. Lexington has 20 years of trial and error experience. They create their letters in a way to get past the initial checker and make sure that you don't get flagged for disputing in a frivolous manner. Many consumers don't ever get their items disputed because their requests are either stalled or never get past the initial checker. Lexington will also send out legal intervention letters directly to your creditors in their second program which is $69. Legal intervention letters are smart for late payments where you still have a relationship with your creditor. They never send intervention letters out to creditors where you may have a debt of over $700. The main focus is smaller items that have been paid and older charge offs. This helps in the process because you don't want to see an item get removed from the bureau and then put back on by the creditor so it's smart to challenge with the bureaus and legally intervene with your creditors at the same time. The intervention letters are designed to persuade your creditors to remove the items from the report since they're the ones who put the items on there. You can never make everyone happy. Lexington is a month to month program with no hidden fees. You can cancel at any point with no penalty. Most clients fail to be proactive in sending any updates they receive from the bureaus or their creditors. Many clients also fail to update their three credit reports every 60-90 days. Lexington makes it pretty simple in my opinion.
      0 Votes

    • 35x35
      Jul, 2011
      Beau
      Jason you sound like an expert when it comes to the business model of Lexington law Firm. Fact of the matter is you can pay as low as $49 per month on a month to month basis to have the law firm dispute with ALL THREE of the credit bureaus. Lexington always charges you after they perform their service at the end of 30 days. If your unhappy you can call and speak to any paralegal and if your super unhappy one of their attorneys will speak with you as well. If you flat out are pissed they will give you your money back. Lexington allows you to set a top five priority list for each credit report on your case valet on their website. You choose the items that you want Lexington to focus on. If you have nine negative items why in the world would Lexington send nine dispute letters to any of the credit reports? That just sounds stupid. 4-5 letters go out during each cycle of their service and you see results typically within 60-90 days. Clients need to be proactive in sending any letters they receive from the bureaus and also need to update their credit reports with Lexington Law every 60-90 days so they know specifically which items have been removed and which haven't so they can restart another cycle. Lexington does 4-5 cycles in a year. People should know that there is no guarantees or promises ever given over the phone by Lexington's paralegals. It's against the law to give any guarantees and any paralegal doing so can be written up or terminated. The guarantee of doing nothing is each item will stay on your credit reports for at least 7 years if not longer. Other items can stay on there for a lot longer. Lexington has 20 years of trial and error experience. They create their letters in a way to get past the initial checker and make sure that you don't get flagged for disputing in a frivolous manner. Many consumers don't ever get their items disputed because their requests are either stalled or never get past the initial checker. Lexington will also send out legal intervention letters directly to your creditors in their second program which is $69. Legal intervention letters are smart for late payments where you still have a relationship with your creditor. They never send intervention letters out to creditors where you may have a debt of over $700. The main focus is smaller items that have been paid and older charge offs. This helps in the process because you don't want to see an item get removed from the bureau and then put back on by the creditor so it's smart to challenge with the bureaus and legally intervene with your creditors at the same time. The intervention letters are designed to persuade your creditors to remove the items from the report since they're the ones who put the items on there. You can never make everyone happy. Lexington is a month to month program with no hidden fees. You can cancel at any point with no penalty. Most clients fail to be proactive in sending any updates they receive from the bureaus or their creditors. Many clients also fail to update their three credit reports every 60-90 days. Lexington makes it pretty simple in my opinion.
      0 Votes

    • 35x35
      Jul, 2011
      Beau
      Lexington does not tell you that the only thing you need to focus on is your negative items. That is the main focus in their first two programs which are either $49 per month or $69 per month. You should focus on both. Building positive items on your account history will not overshadow a charge off, three collection items, and a judgment. In fact most people will have a very difficult time building positive items on their credit reports if they cannot be approved for anything because of the negative items that are on there. So in all reality the main focus should be to work on getting the negative items removed. Many people have collection items from small mistakes on their credit reports like a phone bill, electric bill, small credit card, etc. Certainly if you can pay off your debt that would be a smart idea because that makes up about 30% of your FICO score and makes it easier to get items removed from the credit bureau. I would never recommend to pay anything to a collection company unless they are willing to do a payment for deletion which most aren't willing to do. Lexington can help people with debt settlement if you need but that is separate from their regular programs. Litigation certainly costs more money. You can try and do payment for deletions on your own if you'd like. I would make sure you know your states' statute of limitations. Each state has a different time period where the creditor or collection agency can legally sue you for the debt owed. After that it becomes ghost debt. Of course if you just have a few late payments and one collection item then try and handle your credit by yourself. Most of Lexington's clients have 5 negative items and above. Could you imagine trying to handle 20 negative items, work a full time job, take care of a family and everything else? I mean I pay Jiffy Lube to do my oil for $30 not because I can't do it myself but because I don't have the time or patience in my life. Oh yes and let's not forget the people that have 10+ hard credit inquiries on their credit reports...... -5 points per hard creditor inquiry and that impacts you the first year it goes on the report and then falls off in two years but if you need credit or some sort of approval soon, your inquiries can kill you.
      0 Votes

    • 35x35
      Jul, 2011
      Beau
      Nothing is easy to get removed from the credit reports and Lexington makes no guarantees with their service. Its against CROA to give guarantees of any kind. Any paralegal that makes a guaranteed could be fired for the protection of the law firm. There would be no benefit to make any guarantees because there is very little monetary benefit (from an employee aspect) to enroll someone as a new client. Tax liens can stay on your credit reports for seven years from when you paid it off. I know in the state of Utah, the tax commission will release the liens from your credit when you pay off your debt and I think most states do that as well. I'm pretty sure the IRS will do the same upon request. I may be wrong though. I would assume that the majority of tax liens removed in the dispute process are those that were successfully paid and Lexington takes credit for it even though the state or IRS ordered the original paid lien to be removed. Unpaid tax liens can be on your credit reports for a minimum of 15 years and could possibly be on there forever. In my opinion one of the most difficult items to get removed off of the credit report is an unpaid tax lien. It also looks way bad if your lender looks at your overall account history. The older any item gets, the more likely it could come off in a dispute process but it would be a very lucky situation and could be put back on their by the IRS or state tax commission.
      1 Votes

  • 35x35
    Jul, 2011
    Shawnte
    I just recently signed up with Vitesse Financial. Has anyone used them? If so, did you get positive results?
    0 Votes

  • 35x35
    Jul, 2011
    Jacob
    Interesting post. I recently took a harder look at my credit report after a creditor alleged that I was $14,000 behind on payments, when in fact the debt was current. They took the liberty of sending this information to all 3 bureaus as well. Have been going back and forth with the creditor and credit agencies explaining that this is erroneous information and that it should be removed, but to no avail. Each blames the other stating that they can't do anything. Have been looking at options like Lexington Law, but might be willing to try this myself since it's just one item. Personally, I was surprised that the creditor was holding their ground when they know damn well my account is current. Do I have a case for a FCRA violation?
    0 Votes

    • 35x35
      Jul, 2011
      Bill
      I can't give you legal advice and tell you whether or not you have a case for an FCRA violation. However, from what you described, I strongly recommend that you speak with an attorney who handles FCRA violation cases. The facts you describe sound actionable, but I can't give you legal advice; consulting with an attorney is the only way to find out if it is.

      In these type of cases, attorneys usually work on a contingency fee basis, taking a percentage of any amount you win in a lawsuit. This means that if an attorney is willing to take your case on a contingency fee basis, it is a strong sign that he or she feels you have a winning case.
      0 Votes

  • 35x35
    Jun, 2011
    Ron
    I have decided to first try to get items removed myself using the info I gained reading. Thank you Bills.com. I have a debt that was discharged under bankruptcy but it is now being passed around to 3rd party collection agencies. Would I follow the same steps by sending letters of deletion? Also, whom do I contact to try to get my bankruptcy deleted early? Thx RBJ
    0 Votes

    • 35x35
      Jun, 2011
      Bill
      The FCRA, the Fair Credit Reporting Act, allows consumers to challenge erroneous information found on their credit reports. A consumer can dispute a bankruptcy like any other derogatory by contacting the consumer credit reporting agencies that report the derogatory.
      0 Votes

    • 35x35
      Jul, 2011
      Tiesson (Tyson)
      I've been with Lexington Law for about a year and I have no complaints. They have been great and proactive with helping me clean up my credit report. I went from mid 500's to mid 600's. They help me raise my scores of 120 points. I don't know why some state they have had problems with Lextington Law other than it's a process and change doesn't happen over night. If you do stick it out you will see results around 6 months or so. I think I saw my around 3 months though.
      0 Votes

  • 35x35
    Jun, 2011
    Raymond
    I recently applied at a credit union for a $250 secured credit card to rebuild my credit and was turned down. After getting approved for a $15,000 car loan three months ago! Can you recommend where I can get a secured credit card?
    0 Votes

    • 35x35
      Jun, 2011
      Bill
      Search for "secured credit card reviews" in your favorite search engine. There are several review sites that state they review credit card offers dispassionately and without bias. Choose a card that seems to fit your needs, and then look at its rating on two or more review sites to see if the opinions about the card are similar.
      0 Votes

    • 35x35
      Jun, 2011
      Stefanie
      I was recently denied a "secured card" recently also. And it was by the Bank that I have my accounts with. I have been approved by other card companies but they have much higher APR's. I don't understand why you get denied for a SECURED card...you pay the collateral so what is the "risk"? I thought the whole point of a secured card was that it was secured with your money just incase you don't pay. ???
      0 Votes

    • 35x35
      Jun, 2011
      Bill
      I, too, am surprised that you were turned down for a secured credit card.

      Any time you are denied credit for which you applied, you are eligible to get a free credit report. I suggest you get one, review it, and dispute any errant information that appears, in case that is what is hindering your application.

      You can try applying for other secured cards, too, and see if some other institution will approve your application.
      0 Votes

    • 35x35
      Aug, 2011
      jesse
      Credit unions, capital one, and chase.
      0 Votes

  • 35x35
    Jun, 2011
    Amir
    I had this firm for almost a year and they could not do anything for me. When I called to cancel the account the lady tricked me into keeping the account in "hold status" where they just monitor the account and I would not being charged anymore. But I noticed today that they have in fact started charging me again few months ago. When I called in to know why they resumed charging me, the person said we sent you an email that explained to you that your account is opened again. So no matter how much I pleaded with them that what they did was not correct, the person from the firm did not care at all. PLEASE DO NOT GIVE YOUR CASE TO THIS COMPANY. THEY ARE AFTER YOUR MONEY ONLY.
    3 Votes

  • 35x35
    Jun, 2011
    Necie
    Lexington Law Firm has worked really well for me. I ran into an old friend and he told me about having 18 pages of negative items on his credit report. He was down to 2 pages. He was very happy with the progress and how well Lexington worked. After just coming out of college and having accumulate a lot of credit card bills, I wanted to have a shot at it. Well, I had a repo on my credit report due to a friends failure to take over payments. The repo only stayed on my credit report for less than two years. it took Lexington about six months to get it off of my report. In the beginning the process appears to be very slow. Once you sign up, you are required to mail your credit report in. That takes about a week at the most. Once you identify what your priorities are in your credit report, then Lexington starts the dispute process. By this time you may be two weeks before the ball gets rolling. Keep in mind, they have to send letters to the credit bureaus - another week. So, three weeks have passed. Once the Credit Bureau receives the dispute from Lexington, they have 30 to make the corrections. So, you are looking at around a month to two months for results. it can be very frustrating but I promise that I have seen results from Lexington and I know that they work well. Everyone has a bad experience and I certainly don't discredit that. I can only say that my credit score was in the low 500 - and then almost 700. My advise is, do what you can. If you can remove hard items such as repo's, bankruptcy, or late payments, then go to Lexington. It's always good to know that you have a little weight backing you. At the end of the day, it worked for me, and I am just an average chic living in Texas.
    3 Votes

    • 35x35
      Jun, 2011
      Shane
      I signed up with Lexington Law at the beginning of the year on January 2012. I selected the 79.99 monthly plan since this was the premium choice and offered more services than the other available "lower monthly" installments. I said to myself, "My credit score is possibly the worst EVER so I might as well get the best service they offer." I understood that it may take some time, especially with all the collections I had. I am one of those people that royally screwed up when I was young and never had the funds or took the time to correct/pay them off. So, the first few months I kept patient and let the process develop. I figured if they were able to relieve me of half of my debt then I would've been eternally grateful. It was slow in the beginning, so I did call after 2 1/2 months went by and nothing had really happened. They told me all the steps that are being taken and asked to be patient. Sure enough things began falling off and I was getting text messages informing me that this was taken off and that was taken off. Some people may not think this is bad, but I had 7 bad debts on Experian & 7 with Equifax, and 11 on Transunion. After ONLY 6 months of service, 4 items have been deleted off Experian & 4 from Equifax, and 11 deleted from Transunion. I couldn't believe it. Now if they could only knock off a few more I would be content. I have no problem paying them off now because I currently have a well paying job and if it boils down to that for a few 3rd party collection agencies...so be it. And Lexington will surely help me with that as well. But I'm definately going to ride this train as far as it goes. Eventually I will be building my credit with Unsecured credit cards for a few months and keep my balance low. By the end of this year I expect that my credit will be almost fully repaired and better than ever.
      5 Votes

  • 35x35
    May, 2011
    Stefanie
    I just recently signed up with Lexington Law. I have read a lot of good reviews and of course some bad reviews. Every product and every company has both good and bad reviews. I have never read about an item that had ALL good or ALL bad reviews. I have decided to take the leap and try out lexington. I have credit scores of 567, 518, and 587. I will try to return to this blog in 90 days and let you all know if anything has changed. I hope I am one of the fortunate ones that have a good experience. I am on the $69.99 a month plan which is the "middle" choice. Yes that is a lot of money to me but I am hoping it will be worth it. I currently have only 2 collections and over 20 inquiries. I am not sure if Lexington requests to have inquiries removed but if they can do something about my 2 collections that have "wrong amounts" then I will be happy. I will write back in September 2011 and let everyone know the progress.
    0 Votes

    • 35x35
      May, 2011
      Stefanie
      P.S.- After thinking about it all day I am curious to now if Lexington can even help me. Both of my collections are only 3-4 years old and one of them wasn't even reported until 2009. The accounts are mine but the amount owed is over by about $800 on one. I contacted the original creditor and they confirmed they amount that was owed. Experian did a dispute for me a few months ago and claimed it was "verified"...what does that even mean compared to what Lexington would do?
      0 Votes

    • 35x35
      May, 2011
      Bill
      Lexington Law does what you did but on a large scale. The company seems to work wonders for consumers with many, old derogatory accounts on their credit report. If you already disputed the debts, and the creditor(s) responded to the challenge, then I think it unlikely Lexington Law will have better luck.
      0 Votes

    • 35x35
      Jun, 2011
      Carlos
      I recommend Lexington if you don't have the time or patience. They expect nearly a hundred every month which is not cool. But so long as you paid the debt and do what they ask they will get the dead debts off. I got royally screwed by the hospital, which charged me a few grand just to be seen for 2 minutes. Just to be told to drink more water. I was young and would not to pay them out of anger. That was foolish and it's not true when they say hospital debt doesn't affect you, because it does. Credit is just another means geared towards keeping the masses down.
      1 Votes

    • 35x35
      Jul, 2011
      Stefanie
      So far with Lexington I have had 2 collections removed and my Experian Score has gone up from 559 to 593 and my Equifax score which got as low as 497 is now up to 537. Trans Union is also 593 but I didn't keep track of what my "starting" score was for TransUnion. My scores aren't anywhere near where I want them to be but so far Lexington has helped get me closer to my goal. They are expensive but it is worth it so far.
      1 Votes

  • 35x35
    May, 2011
    Tom
    I received a credit alert this morning (5/13/2011) that there had been negative information added to my credit report. I login to the credit monitoring site to find that I have a new collections added to my credit report. I called the number listed for the collection agency to find that it is an old medical bill for $250 from 6/2004 that is just now being reported to a collection agency. First of all I was never notified that I had an outstanding balance that my medical insurance didn't cover. Second it has been since 2004 and they are just now reporting it! My question is can they add a medical bill that is this old to my credit report? I feel I'm getting the shaft here and there is nothing I can do about it. Not sure if Texas has any laws to protect consumers from things like this.
    0 Votes

    • 35x35
      May, 2011
      Bill
      A derogatory entry may appear on a consumer's credit report for 7½ years after the date of first delinquency. If the date of first delinquency was the sixth month of 2004, that means this derogatory must be removed the twelfth month of 2011.
      2 Votes

  • 35x35
    May, 2011
    A
    I have an average credit with just one negative item. My plans are to buy house within few months. I wanted to have a clean credit before I go for home loan application. First thing was to Google and hire a decent credit repair company. Lexington Law is the first one anyone will become aware of on Internet. So called them in October 2010 and discussed my case. The only negative item was a paid off utility bill of $150 from 2008. If you read through there reviews and figures on their website it looks great. I hired them and started paying $59.99/month to get that ONE negative item removed from my credit. Every time I called them they explained me the full spread approach they followed and disputed the negative item. I got replies from credit bureaus that nothing changed on my credit file. After 4 months of escalation they suggested me notarized letters escalation. It took them two more months to do that and the results still the same. I got negative response from creditor and credit bureau. After paying them for 7 months and no results I finally called them to cancel my account. Again the same discussion and they suggested for Maintenance plan that costs $19.99/month. Now I am enrolled with them for maintenance plan and looking for some positive results. I just want to spread a word about their claims and marketing they do online and on phone. It took them 7 months to tell me that they cannot and they don't give any guarantees. My experience with them was not good and I would not recommend them to anyone for credit repair. Things they claim to do can be done on your own. This is the lesson I learnt after wasting few hundred dollars. But that was not bad for experience. Please do learn from my experience and stop wasting money like about a million (According to their website claims) are doing.
    2 Votes

  • 35x35
    Mar, 2011
    ashley
    I just signed up for lexington and it has its good and its bads for other people they know my situation and they know I want it fix basically before nov because im trying to get a new car I signes up for the highest service just because I want to be more involved.......but im quite nervous about it bc of the bad reviews I hope it does me well ill keep people updated
    0 Votes

  • 35x35
    Mar, 2011
    vanessa
    I just started using Lexington and when I spoke about it with others they said it was a scam. Some of the reviews I read as well left me skeptical and nervous. It has only been a week and they removed 2 items from my Experian report. It is true that you can write to the bureaus yourself but I have so many negative accounts and things that kept getting renewed after the 7 year mark I felt professional help was best for me. If there are not that many negative accounts against you that are past the 7 year mark or things paid off still showing on your report dispute it your self they only have 30 days to respond after that time mark they must remove it. I was told it's a federal law. I will update my reviews and let you know if they deliver good service through out.
    0 Votes

    • 35x35
      May, 2011
      Don
      I could you not think these people are on the up and up. Anyone, such as Lexington Law that spams the hell out of me can't be worth anything. Any reputable firm doesn't spam the way these clowns do.
      0 Votes

  • 35x35
    Feb, 2011
    Jenny
    I have been with Lexington for 1 year. I have the Concord Premier w/ Report Rover. I hired them because I can not do this myself. It is emotionally draining and entirely too frustrating to accomplish on my own. Having said that: currently I have 8 Negatives removed from Equifax, 4 Negatives removed from TransUnion and 9 Negatives removed from Experian. I have about 15-20 remaining on each. But I owed a lot of money (not paid off either) so a number of multiple instances of the same debt appear 2-5 times from various collection agencies. So I say they have done as well as I could have to date and knew based on everything I had read here that it could take 2-3 years to see the full impact. I think they did as well as I could have and I would recommend them. They can not deliver a miracle. I went in to the arrangement knowing that and that may be the difference. (Last point to the poster who mentioned the "Not from You" letter, just forward EVERYTHING you get in the mail from the to Lexington. Don't bother getting in the middle of it. It is a stall tactic. Nothing you are doing is illegal. Don't get pulled into their attempts to dissuade you from exercising your rights. Excellent post bills.com. Rock on!
    0 Votes

  • 35x35
    Feb, 2011
    Json
    I read and heard some pretty good things about this company. After a lot of research on Credit Repair I found this toll free number (877)801-4293 for Lexington Law and was able to get a Free Credit Consultation and a Free ebook with some great infomation
    0 Votes

  • 35x35
    Feb, 2011
    David
    I signed up with Lexington a few days ago. I have 75 derogatory remarks between all 3 agencies. My scores are 527/510/510. I have one voluntary surrender, a few charge offs, and a bunch of unpaid medical bills. I have also contacted the finance company about my voluntary surrender and they offered to settle for 60% of my outstanding debt, and then REMOVE the account from all 3 bureaus reports. I intend to stay on top of this process, but the $80 a month for all that leg work seems fair to me. I will return with updates.
    0 Votes

    • 35x35
      Feb, 2011
      Bill
      Excellent! We look forward to hearing how the Lexington Law process works for you. When you report back, please also include the number and type of accounts that currently remain in good standing on your credit report. That way, we can better understand the rise in your credit score that will come from the elimination of the derogatory information from your credit reports.
      0 Votes

    • 35x35
      Feb, 2011
      David
      I have 2 credit cards that are currently in good standing. However, that is the only revolving debt I have. I further reviewed my credit report, and I have 2 charge-offs. One being the voluntary repo, and one charge-off from capitol-one auto finance. I have settled both of these with the repo coming off of all 3 reports next month and the Capitol-One showing paid in full. Everything else on my credit report is medical related. My wife has excellent credit, and she is adding me as an authorized user on her high-balance credit card. I was told this would help my score. I have been in constant contact with Lexington Law and it has been a pleasure. They are always professional, and they have already disputed 6 items on each of my 3 reports. I know better than to ask what kind of improvement I can expect from the progress I have made, personally, with my repo from February 2010 and the Capitol-One Auto account charge off. Given the details above, what kind of score improvement do you think is possible as these items are corrected? Currently my scores are EQ 510/EX 527/TU 510. Any info is greatly appreciated.
      0 Votes

    • 35x35
      Feb, 2011
      Bill
      The credit scoring formulae are extremely complicated, so I can't give you a reasonable estimate of how your score will be affected. A lot depends on what kinds of accounts that you currently have showing on your report in good standing. A credit report is like a trial. All the accounts on your report are called to testify as to your creditworthiness. Accounts on which you defaulted are going to give negative testimony about you. What kind of accounts do you have that will testify that you are a good credit risk? Do you have a mortgage in good standing? If so, your mortgage is considered a weighty witness and the fact that you have a mortgage on your report will help you boost your score more rapidly than if you don't.

      Having your wife add you as an authorized user is a good step. I suggest that you read about how to mprove your credit score.
      0 Votes

    • 35x35
      Feb, 2011
      David
      I have never had a mortgage. I have just recently started taking my credit seriously. I have never had great credit. I have a few auto loans that were paid in full, a signature loan that was paid in full, and my 2 credit cards. The cards I have carry a low limit, $300 a piece, but I have had them since 2007 and have kept up with them. I have carried a high balance for most of the time, but they have always been current. My wife is active-duty Coast Guard, so a mortgage is out of the question for the next few years. We live in military housing and have zero bills, with the exception of cell phones and car insurance. Under these circumstances I should be able to accomplish my credit goals in a short time frame. I've read that a repo can affect your score by as much as 100 points, and a charge off just the same. I have conjured up the number 70 as the increase I should see with these 2 negatives removed. Paying my CC balances to zero, and my wife adding me to her card should help me achieve a decent score by the end of the year. I am basing my assumptions on different readings from several different sources. Your site is awesome!
      0 Votes

    • 35x35
      Feb, 2011
      Bill
      Thank you for your kind words. I feel that your assumptions about the kind of increase you will see are reasonable, but the proof will be in the pudding. One thing that will boost your score is having a variety of accounts on your report. It is recommended to have at least three active tradelines on your report. Having a mixture of credit card accounts, store card accounts, installment payments (furniture or electronics, for example), auto loans, etc. will help boost your score more rapidly.
      0 Votes

  • 35x35
    Feb, 2011
    Harrison
    I got a question, lets say I ran into some credit card debt 2 years ago, settled the accounts in full with the creditors (Legally paid for less than owed). Would it be possible to have the reporting removed from my credit report? Even after I settled the accounts?
    0 Votes

    • 35x35
      Feb, 2011
      Bill
      By federal law, a consumer's credit report may contain accurate information only. If a consumer credit reporting agency (Equifax, Experian, TransUnion) reports incorrect information, a consumer may dispute the derogatory entry. If the original creditor or collection agent, which are called data furnishers in the trade, cannot or does not verify the information, the consumer credit reporting agency must remove the entry.

      The "Internet" used by Equifax, Experian, Innovis, TransUnion, and data furnishers to handle consumer disputes is called e-OSCAR. If a data furnisher ignores or otherwise does not respond to a dispute response notification within 30 days, the item in dispute must be removed.

      Some data furnishers do not respond if the owner of a settled account or his or her agent (Lexington Law, for example) files a dispute. "We got our money, so why bother taking our time to respond?" seems to be their attitude and behavior. Other data furnishers are more vigilant and act on dispute response notifications. Because data furnishers act inconsistently, it is impossible to predict with 100% certainty how one data furnisher will act on one dispute response notification. In other words, some people have great results and others do not.
      0 Votes

  • 35x35
    Jan, 2011
    Heriberto
    Lexington Law really is really a scam you will see soon. If you can cancel and tell them i tell you to cancel.
    0 Votes

    • 35x35
      Jan, 2011
      Bill
      While we appreciate your contribution to our blog, we'd love any data or supporting information you may have when you allege that Lexington Law Firm is a scam. Thanks for visiting.
      0 Votes

    • 35x35
      Jan, 2011
      Heriberto
      First they offer you to have in two to four month increase your score close to 850. So far i pay already 4 month and i don't see any change in my credit report, and when i try to call the customer service they are not professional with you.
      0 Votes

    • 35x35
      Feb, 2011
      Tamra
      I think there must have been a misunderstanding between you and the representative. I've never heard of them saying they could get you close to any number. Never found that anywhere on their website nor when I dealt with them. 850 is a perfect score. I don't think any company would be stupid enough to promise that.
      2 Votes

    • 35x35
      Feb, 2011
      Tameka
      I signed up with Lexington Law on 2/2/11 for $99 set fee and $59.95 per month after a month of service. On 2/19/11 I rec'vd an alert from Truecredit.com that 4 items had been removed from my Transunion report. No response from Equifax or Experian. 6 items were disputed on each report. I've read all of the post and I'm both nervous and confident. It's a 50/50 situation. I was told that there was no 100% guarantee that everything would go but results came within the same month. I am a single mom, working full-time, and a full-time returning college student. The time and resources to do it all alone just don't exist for me right now. I did explain to Lexington that I am trying this for the help to see what happens because i am attempting home ownership. I was told its not billed in advance, no contract, can cancel at anytime,but billing after cancellation depends on if you cancel I believe 15 days prior to your monthly billing date. I was suprised by the intial results but, I also know March may result in nothing. Also the 4 items removed were much higher than the $59.95 for the month. I feel both ways but I am disputing with them & have my 3 reports and scores through Truecredit.com which they have access to so all changes can be seen by us both. I'm not sure what the future in this holds but I'm working along side them for double progress and/or effort.
      1 Votes

    • 35x35
      Feb, 2011
      Heriberto
      always never remember after they have your money they dont care and sales people can lie to you from Lexington Law.
      0 Votes

    • 35x35
      Feb, 2011
      Bill
      Thank you for your detailed posting. Please keep us informed on how things progress for you.
      0 Votes

    • 35x35
      Apr, 2011
      olugbenga
      I just want every body to know that we all have different problem and different solution to it.if you write bad about somebody did you write the good they have done for you? i signed with Lexington few weeks ago and their trying there best.And i want everyone to know that every thing is risk,let appreciate the one they have done. thanks
      1 Votes

    • 35x35
      Apr, 2011
      Dawn
      These reviews are really helpful. It's hard to know if you're making the right choice with a company like Lexington Law, but after reading all of the experiences here, I've come to the conclusion that no matter what you choose to do, it's always best to do your research and go at it from a point of being informed. The more you know, the better decisions you will make and you'll know if a company is really going to help you or not. It sounds like some real people got some real help here. But there's no magic wand that just waves over and makes it all go away. You have to know what you can and can't do. Sometimes you just have to own up to your mistakes and pay up but sometimes there is real help out there. Good luck to everyone! I might consider Lexington Law after reading this too. I still need to do a little more homework though. Yay.
      0 Votes

  • 35x35
    Dec, 2010
    Miriam
    I recently hired Lexinghton Law Firm to help me fix my credit I have 10 bad items on each creditor. I have been with for 1 month and they have removed 1 negative item that was in-fact mine, they removed it. See, how I understand it is, they try to have the merchant provide proff that the negative item is your and is not a error. And some merchants just dont want to deal with all the hassle so they will just remove it. So its a lil like a game you just have to keep trying until they are removed. So far I am very content with there services. I paid $99 the first month, and after that its $79 monthly depending on the type of service you want. I would use again and again so far, so good.
    2 Votes

    • 35x35
      Jan, 2011
      Jesse
      I completely agree with you on this. I Have about 15 negative accounts, 3 judgements, 1 lien, 1 charge off, and about 9 inquirys on my reports. I have done all my background checking and was ready to start contacting them all and verifying, disputing, or settling in hopes of having things removed. I have all my letters prepared and was going to sit down and start preparing the priority letters. I then came across lexington law and spent some time researching them and came to the same conclusion that you have. I figure if they can do all the leg work for the first six months and allow me to see all the progress online and in the mail myself. It is worth giving them a small 100.00 fee a month. All in all if i get no results from them, ill be ready to take on the challenge myself, but from what im seeing, i think its a 50/50 chance that im willing to take.
      0 Votes

    • 35x35
      Jan, 2011
      Bill
      Thanks for the note Jesse. Be sure to check back in and let us know how Lexington Law does for you in about 6 months.
      0 Votes

  • 35x35
    Sep, 2010
    Jen
    Lexington Law has been a big help. They are worth the money for the time and professional effort. I have been with them since 8/10 and I already have had 9 negative things deleted and my scores have risen 30 points. I completely recommend them!
    1 Votes

  • 35x35
    Sep, 2010
    Bill
    The process that Lexington Law uses to restore a person's credit does work, but each case is different. As you can see by the comments posted, some clients are quite satisfied and others are not.
    0 Votes

  • 35x35
    Sep, 2010
    does
    Does Lexington Law really work?
    0 Votes

  • 35x35
    Sep, 2010
    Bill
    Good luck and let us know about your lexington law experience.
    0 Votes

  • 35x35
    Sep, 2010
    TMT2010
    I had a consultation with Lexington Law Firm today, and I felt very confident after talking to them! I just read some of the comments on this post...some are great, while others weren't. Since my credit report isn't that terrible I think Im going to give Lexington a shot! I have 12 negative items on my report, so Im going to test them out for a few months to see how it all turns out. I'll be sure to try and report back!
    0 Votes

  • 35x35
    Aug, 2010
    Helping
    Plz dont waste your time and money, Lexington law firm is no good. They have very unprofessional and uninformed representatives.. Believe me you will end up doing all of your process and the people in lexington wont even bother reading any notes before they even start talking to you over the phone about your case process. They will not refund any penny regardless of any progress or not. I hope this post will help people make right decision. Please dont buy in to their sweet talk, its only a trap. I my self wasted somewhere around $400.00 and nothing changed on my credit, infact at the end i was told no case is perfect case and we dont guarantee improvement. Please bear in mind i had only four late payments with two different creditors, which means two from each. I had no serious issues on my credit and they still couldn't get any thing removed. Sorry Lexington Law you lost client and references....
    0 Votes

  • 35x35
    Aug, 2010
    Valerie
    All- I signed up for the services of Lexington Law firm the end of July. As of today (August 23rd 2010) There have been 3 items removed from my credit report. Now I am in my second cycle of disputes. I personally sent letters to each credit bureau disputing inquiries and have not gotten a response as of yet. But that was just a week ago and I expect positive results. I recommend Lexington Law Firm for you credit resoltuion needs. P.S. I am anxious to see my new credit score which I will obtain by September 15th. My last scores were 530, 590 and 595. Good Luck!
    0 Votes

  • 35x35
    Aug, 2010
    bruce
    LEXINGTONLAW I signed up with them about about a month ago. I email and called them, asked to speak to the lawyer that represent me, i believed she's from Salt Lakes City, UT. ummm, no luck, and no respond to my email. I'm starting to think that this company is a BIG Scam. Since i'm in the Military, I will get JAG and Oklahoma US attorney General to get involve. I think people are correct about Lexington Law. It's a fraud, how can you have the same phone number with so many different states? They got me with 10+99+39.99=$140.00, i'm done with this company. It's a BIG SCAM, and i fall for it, never again!
    0 Votes

  • 35x35
    Jul, 2010
    Trina
    If you are reading this, and you are looking to get negative items removed off your credit report for any reason, Lexington law is the people to help. Lexington law have removed a total of 23 negative items off my credit report out of 30, and currently are removing the remaining items. Lexington is where you want to be. They are excellent, and amaze! I personally recommend Lexington law, take it from me.
    1 Votes

  • 35x35
    Jul, 2010
    Netty
    I recently hired Lexington Law and found that it was a waste of money and time. They also lie about their fees so do not make the same mistakes I did. I wasted over $300 and my score has not changed!
    0 Votes

  • 35x35
    Jul, 2010
    Bill
    That is unfortunate David. You may want to call and ask for a manager to provide you a refund. Bill
    1 Votes

    • 35x35
      Jan, 2011
      David
      RE: Lexington Never responded to my requests until I went to the Better Business Bureau. Their initial response was short, incoherent and rude. I kept on it, and eventually got some of my money back and all the letters they claim to have sent on my behalf. I still have the letters as written proof of their total incompetence.
      0 Votes

  • 35x35
    Jul, 2010
    David
    I can't say enough negative things about Lexington Law: First, I never got a coherent reply to my numerous emails-- not from my designated paralegal or anyone else. In fact, the reply usually came from someone else that I had never dealt with. Second, they were completely unresponsive to the courses of action I designated in my fancy-looking, online "case valet." There were items in my credit report that were correct, that I told them to ignore, and they still kept trying to dispute them. Conversely, there was one item that just needed to be updated with one bureau, and after FOUR MONTHS there is no change on my credit report. Third, I got the chance to see some of the dispute letters they sent on my behalf when they were returned do to errors in the addressee line. They were HORRIBLE-- not only were they outside the scope of a credit dispute, they were filled with bad grammar and punctuation errors, and SIGNED WITH MY NAME!!! I honestly believe Lexington is in the business of outsourcing foreign nationals to type up mass letters and 'spam' creditors and credit bureaus into submission. Fourth, I requested copies of all letters written on my behalf, and received no reply. I shudder to think about all the unintelligible letters out there bearing by forged signature. I also worry about the number of unsavory people that have access to my name, address, social security number and financial information, courtesy of a part-time job writing spam letters for Lexington Law. Fifth, after I requested cancellation, citing all of the reasons above, their only reply was that they were going to charge me for another month, even though they had been billing me at the beginning of the month, in violation of the Credit Repair Organization Act (Sec. 404, “Prohibited Actions.”) Finally, I should mention that I chose the most expensive level of service offered. I'd hate to see the bargain package.
    0 Votes

  • 35x35
    Jul, 2010
    Bill
    Collection agents buy collection accounts for pennies on the dollar. The older the debt the less it is worth, and the less a new collection agent will pay for it. Start at 10 cents on the dollar for a lump-sum settlement and work up from there. Depending on your state's laws and the circumstances of the debt, a collection agent may have the right to file a lawsuit against the debtor, receive a judgment, and then garnish wages, levy bank accounts, or place a lien on property. See Collections Advice for more information.
    0 Votes

  • 35x35
    Jul, 2010
    Ryan
    If someone allows their credit card debt to be turned over to a collection agency what is a reasonable amount they should try to settle for 10%, 25%, 50%? Also, if the person decides not to try to settle, what is the likely hood the agency would pursue via legal action? Is it correct the only lever the colletion agency has is the negative mark on your credit report?
    0 Votes

  • 35x35
    Jul, 2010
    Bill
    You should keep the record that confirms that this is a mistake and then send it to the three primary credit reporting bureaus. If you do not have written confirmation that this is indeed an error, then you should write to ATT and ask them to delete the error and also provide you a record of the improper reporting and then send that letter to the bureaus. Good luck. Let us know how it goes BC. Bills.com
    0 Votes

  • 35x35
    Jul, 2010
    bc
    Bill, I have ONE item of "demerit" on my credit report. I have evidence that this was a mistake by ATT which sent an erroneous bill to Collections. Do I send my Deletion Letter to ATT or the Collections Bureau or the Reporting Bureaus (Equifax etal) Best regards, BC
    0 Votes

  • 35x35
    Jul, 2010
    Bill
    That is too bad Mene, and unfortunate that Lexington Law was unable to help you -- it's even more unfortunate that you are out $1,200 if no services were provided. You may want to ask them to connect you with an office manager and ask for free or comp'd services to get your results, or alternatively for a refund. Good luck. Bills.com
    0 Votes

  • 35x35
    Jul, 2010
    Mene
    I used Lexington Law for almost 2 years and it did nothing for my credit score!!! When i went to the website and saw some of the amazing stories about how some peoples credit score wnet from 530 to 700 in months, i said yes!!! i got to get that!! Well the sad thing is i wasted over $1,200!!!! All i can say is the money i used to pay for Lex Law, they should give me back and put it towards my bills!! My credit score went from 534 to 564 in 2 years!!! Save yr money!
    0 Votes

  • 35x35
    Jun, 2010
    Lea
    I've been using Lexington Law from since January 2010. They are slow - or I should say the credit bureaus are slow since they are technically given a 60 day response time but they have been effective. I was hoping this process would be faster but if you hire them, all I can suggest is have patience. I have a lot of negative items on my credit from my divorce and so far they've removed 14. My score has moved 30 points thus far and I'm pleased with their services. What Lexington does, anyone can do if you don't trust hiring anyone. They don't guarantee their services but for me, fighting with the credit bureaus and the never ending stall letters the credit bureaus kept presenting changed my mind about hiring them since I didn't make the time to invest in this fight. They are a good company. They have worked for me.
    1 Votes

  • 35x35
    Jun, 2010
    Ripped-Off
    I was sooo ripped off by these clowns. I went to creditreport.com and these guys called me the next day after I checked "work on my credit score". They told me they charge monthly for 3 items to be removed and disputed from my credit score. IT WAS ALL A SCAM!When I went to discontinue my service- they talked to me like I was crazy and later informed me that it typically takes up to 1 YEAR to get anything resolved. It was explained to me by the lawyer that it was a grat $100 investment because it could my credit score up to 60 points and discontinue my service after one month due to the lack all items I needed resolved. Who would EVER pay $1200 to people you never see to fix your credit report?? No one! They are disgusting.
    0 Votes

  • 35x35
    Jun, 2010
    Sammy
    I used CPR, 2 months ago and already went from a 567 to a 625. They are very different from all these other companies that take 1-2 years to clean up your credit. They fight everything all at once from the beginning. Fees are very fair and they give you a 100% money back guarantee if they don't remove enough items from your report. They also have a department that set me up with a bank direct. They are not a big as the other companies but thats great cause they gave me the attention I needed.
    0 Votes

  • 35x35
    May, 2010
    Michael
    Good article. I tried Lexington Law about 10 years back and they were ok. They deleted a few items over about a 8 month period. Overall I guess I got my moneys worth. About 6 years later after rebuilding my credit, I got in trouble again and destroyed my credit like an idiot. I tried to repair my credit myself and got nowhere. I went to the Better business bureau to see the companies that I should consider and lexington law had a few hundred complaints. Most of the other companies had simililiarly nasty reviews. I tried RMCN credit even though they were a new company their rating was a C+ i think and they did about C- type credit repair results. I eventually found a local guy here (my home town) that had great reviews and an A+ rating. I cant remember his company but his name was corey g and he operated some type of network that helped people get into homes. this guy really went to bat for me and really cleaned me up. I owe this dude bigtime. moral of the story, go local. Find a reputable credit improvement company that has a good track record and a solid bbb rating. DO YOUR RESEARCH! Oh, and also remember that big companies like lexington law are expected to have complaints. When you work with thousands of customers you are bound to have some complaints.
    1 Votes

  • 35x35
    May, 2010
    Becky
    Lexington law are very unclear about their prices, not reasonable at all to work with. Impossible to reason with and I DO NOT recommend this company to anyone! It is bad business to say one thing and do another, not just once, but THREE times! Do not be as dumb as me, and fall for this.
    0 Votes

  • 35x35
    May, 2010
    klb
    I have just signed up with Lexington Law, it has not been quite a month but getting close, I have been monitoring my credit through Equifax, and I get alerts when my credit score changes. In the past few weeks my score has dropped form 567 to 557. I thought this process was supposed to help my credit not hurt it. I’m very unsure about this now and really don’t know if I should give it a few months and see what happens.Below is what was report on my credit: The following changes were reported for your FROST NATIONAL BANK account:- Account Status Changed from Pays account as agreed to Not more than two payments past due Comments on your account changed from Closed or Paid Account/Zero Balance , Pd/Closed to Closed or Paid Account/Zero Balance , Secured , Fixed rate , Pd/Closed When I emailed Lexington this is what I got inresponse.. For each account we dispute on your case, the credit bureaus should conduct an investigation. When an account is under investigation, it is temporarily removed from your credit report. During this time period, it should not influence your credit score as it previously had. In the case of an account that has a long credit history, or a large variety of other kinds of accounts, it may lower your score when it is temporarily removed. At the conclusion of the investigation, the account will be placed back on your credit report, most likely bringing your credit score back to where it originally was, and perhaps higher. For these reasons, we recommend that while you are client with Lexington, you avoid applying for unnecessary credit. It will be difficult to ascertain whether your current credit score will offer you the best possible credit opportunities. We recommend you wait until you are no longer with our services to apply for credit. If you'd like more information about credit scoring, please feel free to contact me or visit the client site in regard to our Top level upgrade: Concord Premier. This is our most comprehensive level of service which affords additional benefits specifically designed to improve, monitor, and protect your credit score. This service provides monthly credit score improvement analysis which provides individualized instruction that may help you raise your scores as quickly as possible.
    0 Votes

  • 35x35
    May, 2010
    Bill
    You'll be a great case study Mike. Please do let us know how Lexington Law does for you and we sure hope that it works out. bills.com
    0 Votes

  • 35x35
    May, 2010
    Mike
    Ok, I just signed up with Lexington Law a few days and I will post here from time to time to let everyone know how it goes. I will share all of my findings so we can see how they do on one individual case (Me)...My Fico score on day one is 607, 591, and 627. I have 5 derogatory items on my report. The worst one is an old capital one card that I paid off in 2007. There is also some defunct law firm claiming that I owe them $150...a hospital bill from 2004 that I have never paid, and 2 credit cards where went into default in 2006. I noticed right away that not all of these reports contained the same information. The Hospital bill is on only one of them. I have an account in good standing that is only showing up on one report as well (Experian - 627) and that is my oldest credit card that I got 9 years ago. This should be interesting to see what they can accomplish.
    1 Votes

  • 35x35
    May, 2010
    Steve
    I never ask for these guys services but all of sudden they started taking money out of my checking account without my permission. I have filed a fraud claim with Wells Fargo over it. I would stay clear of them
    0 Votes

  • 35x35
    Apr, 2010
    Steve
    Thanks for you quick response. Sincerely, Steve
    0 Votes

  • 35x35
    Apr, 2010
    sellnhousz
    Hi.I have several old tax liens which have been paid showing up on my report. The releases show up as well (as negatives). Is there anyway to get them removed? Thanks in advance.
    0 Votes

  • 35x35
    Apr, 2010
    Bill
    Accurate derogatory information can appear on a credit report for 7½ years after the date of first delinquency, and in the case of tax debt 7 years after the date of payment. By law, only erroneous information must be removed or corrected by the credit reporting agencies. If your municipal tax issues are listed accurately then neither the credit reporting agencies nor the municipality have an obligation to change those listings. However, if you challenge the listing and the municipality fails to respond to the challenge, then the credit reporting agencies are obligated to removes the derogatory listing.
    0 Votes

  • 35x35
    Apr, 2010
    Anthony
    I have been with lexington law since November of 2009. I must say they have been doing a good job so far. It does take a while though. My transunion score went from 498 in Oct to 566 now in April. My Equifax was 480 now it is 571. Experian has not changed to much since it is really hard to get scores changed with Experian. Hopefully, a couple of more months and I should be at the credit that I want to be at.
    1 Votes

  • 35x35
    Mar, 2010
    Kathryn
    Your welcome Bill. I hope it's not either. I know everybody has different experiences and mine happened to be a waste. I read Shay's comment about doing it by yourself and I believe I will try this before I spend anymore money out of pocket. Everyone, just remember to read the fine print before commiting to anything. Wish i had. Good luck to those who they have and are helping.
    0 Votes

  • 35x35
    Mar, 2010
    Bill
    Great work Shay, we're glad to see the success you have had working on your own to clean up your credit. Thanks for the inspiring note. Bill
    0 Votes

  • 35x35
    Mar, 2010
    Shay
    I recently took the time to read all the entries, before I responded. I would like to personally appauld myself for diligently working on my credit. I always request my free annual credit reports, from annualcreditreport.com. I started being hard on myself in November of 2008. When I requested my credit reports from all 3 agencies, I had 33 negative items on all 3, which I know is really bad. Since working on my credit myself, I have 19 items removed off of 2 (Experian and TransUnion), and 15 removed off of 1 (Equixfax). My belief is that if you really want to see your credit report improve, please do it yourself. You'll understand the process more. You'll also take more pride in the work you put into getting the negative information off, so you will be more serious about protecting your credit. By the end of 2011, which I know is a lil over a year away, I will be debt-free. I owe all of this to my hardwork and diligent effots. I hope that this information helps. Good luck to you all.
    4 Votes

  • 35x35
    Mar, 2010
    Bill
    Thanks for the feedback Kathryn. Hopefully this is not representative of Lexington Law's work for other clients, but is a very important review and perspective.
    0 Votes

  • 35x35
    Mar, 2010
    Kathryn
    My fiancee and I hired lexington law firm back in november for 99 dollars each a month. They old us they could dispute the itmes on our credit reports and have the companies take them off so our credit would go back up. The letters they sent out were very sloppily written and transunion sent me a copy of it saying they would not accept it because it did not match my signature. They signed my name on it not theirs. This is why the reporting agencies won't accept them. They only got one thing taken off mine and that was in november, nothing since then and nothin off my fiance's. I pd for 4 months with no results. So please be very careful with them. They don't always do what they tell you they can..
    0 Votes

  • 35x35
    Mar, 2010
    Bill
    Good luck Marina, and please do let us know how it goes with Lexington Law. Bill
    0 Votes

  • 35x35
    Mar, 2010
    marina
    I just signed my husband and myself with Lexington Law for credit repair today. We are trying to get approved for a home loan and have had no luck doing it ourselves. If this company can really help improve our scores then it is worth all the money i will put into it. I will keep updates on how it goes. Wish us luck!
    0 Votes

  • 35x35
    Mar, 2010
    Bill
    Kaz, thanks for your note. We do work hard to help people everyday solve complex money problems. In your case, you are correct. Technically, only erroneous information is legally obligated to be removed or corrected by the credit bureaus, and if your chargeoffs are listed accurately then they have no obligation to change that listing. The good news, however, is that by getting debt free you will put yourself in a much better financial position which will allow you to re-establish credit in the future and have more cash flow and a better financial future. Good luck. bill
    0 Votes

  • 35x35
    Mar, 2010
    kaz
    Bill, Thanks for sharing these invaluable information. Currently, my wife and I are working with debt consolidation/settlement firm and have settled 3-4 accounts. However, 4-5 major credit cards companies have charged off the accounts in the last few months, but we are getting letters/calls from collection agencies for restitution of the accounts. If our accounts are charged off; theoretically, I don't see how Lexington Law Firm could help us remove the negative reports in our credit reports? I ask because our debt consolidation people (who we pay 20% of our debt settlement)tells us that for the "charged off" negative reports, we should contact Lexington for remedies, which is an additional expenses that we have to bear. Can Lexington Law Firm really remove "Charged Off" (negative reports) before the statute of limitation is over (7 years I was told)? We would appreciate any advice and look forward to your directions. Sincerely, Kaz H.
    0 Votes

  • 35x35
    Mar, 2010
    Bill
    It really depends what your status is when they added you. If you are a co-borrower, then yes - it should show on your credit report. However, if you are simply an authorized user, then you most likely won't see any change to your credit report. Good luck Steve. Bills.com
    0 Votes

    • 35x35
      Jan, 2011
      Faith
      I have been a Mortgage Underwriter for eleven years and authorized users status will show up on both credit reports. Normally, it will state authorized user on the person's credit report.
      1 Votes

  • 35x35
    Mar, 2010
    steve
    My wife has a credit card with good credit mine is not I had her put me on it but the bank never asked for anything but my name for the card are they going to report on my credit report for me?
    0 Votes

  • 35x35
    Mar, 2010
    Jack
    I fell into financial trouble due to illness 7 years ago with 5 credit cards. Although they are all beyond the statue of limitations, all five accounts have been "re-aged" by various collection agencies - some as far as an additional year. I've never been able to make paymenmts on any of them. Is "re-aging" legal and does anyone have any information as to any success they've had with Lexington Law Firm in getting "re-aged" bad credit marks removed? Also, since none of the accounts are now legally collectible due to statue of limitations, can Lexington Law prevent the 3rd party collection agencies from continuing to "check my credit" and keep those credit checks from showing up on my credit reports? Thanks.
    0 Votes

    • 35x35
      Apr, 2011
      tawanda
      I am the biggest skeptic you know....so I did my homework and in one month Lexinton Law Firm has removed 6 items from my Transunion report, 4 from my Equifax and 6 from Experian!!!! I am now in the single digits in negatives on all three reports!!!
      0 Votes

  • 35x35
    Mar, 2010
    Bill
    Contact Lexington Law and share the information you learned from Experian. Let us know what Lexington Law says.
    0 Votes

    • 35x35
      Jun, 2011
      Lexingtonlaw
      Hi everyone, yes, Warren C. is correct - I started using Lexington back in October of last year and while I have been one of those types to let the negatives fall off by themselves, I decided to give them a try. So far they've been able to remove a bankruptcy from TransUnion and are working on the others, in addition to a listing for a collections account that was paid. I received the same notice from Experian and Lexington Law did indeed inform me that it was basically a bullying tactic. I'm on month number 7 and I'll see how results are looking after month number 12 - wasn't really planning on spending more than a year on it, has anyone else used them for a longer duration or feel it would be worth it after 12 months?
      0 Votes

  • 35x35
    Mar, 2010
    Breeh
    I have recently retained Lexington Law and they have sent out my first round of disputes and I am now awaiting the results of the investigations. I received my report from Experian the other day which stated that they received an inquiry which they determined was not sent by me, therefore they would take no action. It was the exact same time that Lexington Law sent the disputes....has anyone else experienced this ? Seem counter productive to have them send disputes on my behalf if teh credit bureaus are not going to take any action.
    0 Votes

    • 35x35
      Apr, 2011
      Warren
      I received a similar letter from Experian. It has been my experience from trying my own credit repair that they try to bully you. I sent a copy of the letter to Lexington and they informed Experian that they were legally representing me and Experian has since responded to requests like they are supposed to. My account rep at Lexington told me this was common tactic used by Experian. I have found that Lexington is getting much better results than I was able to get on my own. The credit bureaus will give you the run around and will not do what they are supposed to do until forced to by someone who knows what they are doing.
      1 Votes