Paul From Cali Jun 10, 2008 @ 10:29 am
No need to rip off Lewis Black here. FICO is a math problem. If there is a way in; there is a way out! I feel the need to reinerate the thoughts pointed out here. After two months of reading books, checking the validity of ceartain "repair" strategies and seeking truth and justice I finally went with faith and I disputed everything on my experian report with the experian dispute page. I then hired Lex Law and was then notified that three items that I disputed were deleted saving me a total of seven thosand dollars. so here is the question: Did I really need to fork out the money for additional credit repair. My answer is yes. Although, my attempts bore fruit, I can now sit back and let them do all of the grunt work. Sure, I had a great first bout, but Lex Law just declred war. The morale of the story, 100.00 a month will save me around thirty grand and when I am driving my brand new car with a 4.5% interest rate I will wave at the non-believers at the bus stop. Thanks FICO!!
Donna Donna Jun 10, 2008 @ 10:32 am
What can I say about Lexington? I've only been with them for a month and I am already seeing slow, but steady results. I have been told by Lexington that it will take 60-90 days to see preliminary results; I don't have a problem with that. My credit damage occurred through unemployment issues; something that profoundly affected my life. For those that are not deemed "credit-worthy", like can become a living h*ll as employers, landlords, mortgage companies look into your credit report routinely. You are made to feel that you committed a criminal crime and that you should be imprisoned for it. Bad credit is most definitely a prison term and that's not an exageration. I am already singing praises for Lexington Law Firm. My experience thus far as been nothing but professional. I am informed of every dispute letter, every e-mail or other correspondence they are doing on my behalf. Their service is worth every penny and more.
Donna Donna Dec 29, 2008
UPDATE from Donna: I have now been with 9 months. My credit score has improved to the point where I have been issued various credit cards and am rebuilding my credit. I now charge things and pay them immediately online. This helps me start building good credit and it is now reflecting on my credit report. Without Lexington removing some of the bad credit, I would not be able to rebuild. What makes me the angriest I think, is the scam that we've all been indoctrinated with; the belief that there is NOTHING that can be done to fix/correct bad credit, that you have to wait 7 years, 10 years, etc. to fix your credit. By that time, various judgments, garnishments, etc. can be issued against you and then it becomes a much greater problem. My advice is to go with Lexington and let them dispute your credit as they are the professionals. Don't believe those that say that you can do it on your own. The credit card companies put up walls to stop you; this is the reality of it all.
My Lexington eperience is different Gary - Clearlake Oaks (U.S.A.)
I first used Lexington over 2 years ago and just recently signed back on. Initially, I was doubtful they could succeed in getting anything removed but my credit was such at the time that I had nothing to lose in trying. To my surprise, they did get many items removed from all 3 bureaus, including some extremely tough entries that I was told would be impossible to remove. I just retained them again to help with a few more items and I'll be finished. Plus, they were very communicative in keeping me updated and easy to reach by phone or email. They do have several attorneys on staff. You can communicate directly with them, in fact. It is true that the bulk of the work is handled by paralegals, but it is not fair to discount their credibility or knowledge because they are not attorneys. They are legal professionals who service a very particular segment of law and do so on a daily basis, so their process works well. In my opinion, they are very good at it. You should have given them a chance.
David - Las Vegas (United States of America) SUBMITTED: Wednesday, November 04, 2009 When you sign up, the contract tells you that you will be working with Paralegals who do all the "footwork" for the attorny's. They even send you an email when you first sign up explaining this. I used their service back in 2007 and they successfully had several items removed from my Transunion as well the other 2 agencies. I just recently signed back up with them and right off he bat, have been in constant communications, plus their website gives you regular updates on everything they are doing on your behalf. I am sure each individuals credit situation is different and the worst take more time. If your looking for an overnight "fix" this is not the firm. Nobody can, and if they promise you that then watchout because they are probably a scam. If you hired an attorney then the paralegals will be doing all the work anyway !! the attorney basically "signoff" on their work, so don't get taken by attorny's although you will probably get more "personal" service. But if you use an attorney be prepared to pay the $$ attorney rate !!!!. One more thing, I have only paid them the initial $9.99 fee. I am set up for an automatic draft and they are already sending out letters on my behalf, and working my case !!!