Lexington Law Firm? Credit Repair Services?

[golfgal]

Just a word about the Better Business Bureau--while a great organization it isn't a fail safe. If you are planning any legal action against a company you can NOT file a complaint with the BBB. A company could have 150 lawsuits out there yet be in good standing with the BBB. Do your research, ask people that have used companies, they are your best referrals.

[LingLing]

Hi, Lulu,
I have run into same problem before (not with Baily but with a medical clinic). Their diagnostic branch sent me a bill with wrong name and wrong address (and the bill was actually paid by my insurance company). They sent me to collection. I wrote letters to each credit report company, Transunion, Experian and Equifax (may not spell their name right). Transunion removed it. But experian and Equifax didn’t. I wrote to them again and explain everything. This time, Experian removed it but not Equifax. Equifax simply refused to deal with it. I then signed up their credit monitor service ($99/yr). While I am on the phone with their sales rep, I am very nice and promise to keep the membership for a long time but really wish he would look into my dispute. Several days later, I checked on line and it was removed. I was so happy but..
Another collection showed up. This time is my previous landlord. It said I owned him some repair money. Luckily, I have all the contract and signed release from their staff when I was moving out. And luckily the collection company staff is nice. They reviewed everything I sent them and quickly removed the collection. They also sent me a nice letter just in case the landlord goes crazy again. This is why I own my home now.

[LindserAnnie]

Lulu -- I am basically experiencing the same thing as you right now. Joined Bally's, moved 30+ miles from any Bally's facility one year later, canceled my account via letter containing copy of my contract, letter of intent & proof of new address, never heard about it again until now (about 5-6 years later) when I get a letter from Asset Acceptance claiming I owe this unpaid debt, etc. I was never contacted by Bally's about any unpaid dues/fees and when when I belonged to Bally's I lived with my grandparents who still live in that same place...so any contact would have gone to my grandparents home and my grandmother has given me every piece of mail that came for me and told me about every phone call for me since I have left there....NOTHING from Bally's.

I am curious how your situation has resolved itself? If it has at all? I wrote a letter to Asset Acceptance disputing the debt but they are saying that I cannot prove it so it is meaningless.

[Mircea]

Originally Posted by golfgal

Just a word about the Better Business Bureau--while a great organization it isn't a fail safe. If you are planning any legal action against a company you can NOT file a complaint with the BBB.

Yes, you can surely file a complaint with the BBB and take legal action.

[ConservativeMommy]

I use Lexington Law. I do not have time to do it myself, I tried that once when someone opened a Credit Card in my name and I spent half of my life writting letters and on the phone. I don't do my own taxes, auto repairs, or plumbing, why would I do this? I know it is done right and taken care of especially with this crazy credit market and economy. Yeah I guess you could do it yourself but why? I even follow them on Twitter now to get credit information. I find it is money well spent.

[ezekiel.jr]

I had a counter-productive experience with Lexington Law. When I called to first sign up I specifically asked at around what point in availing of their services will I see a positive change in my credit report, and I was specifically told that generally adter 60 days you get a result. Now my case involves a couple of late payments and all my credit cards have been paid off except for one, and the rep tells me because this was not a "gravely" disadvantaged case I would fall into the general rule. So out came the credit card and long story short I've been with them exactly 60 days and I did find a change in my score, but it was for the worse my score by 26 points so instead of getting better.

A couple of things that one has to remember with this company, they charge you on a monthly basis for a retainer fee, so being a business it is to their interest that you stay subscribed to them as long as they can try to keep you. In my case I had 9 items they had to dispute they challenged three at a time and started with the least detrimental reports and leave the most detrimental ones for last. I smell something fishy about this practice. And if you check their BBB rating they have 250 complaints in the last 36 months alone.

[Bosco55David]

I would stay away from Lexington. Any average Joe can learn how to do credit repair and do a better job than the so called "professionals".

[Alaskan Mutt]

Something else to consider is that Lexington Law only deals with the credit bureaus. They only work at getting stuff off your reports. They do not deal with collection agencies. The collection agencies will still be coming after you.

[Modification Specialist]

Working in financing for many years, it is to repair your credit yourself.

The secret is knowing how to manipulate your score above 800"

[cyjones1013]

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