Has anyone used Lexington? and was it worth it? I have a Providian charge-off that I have tried and tried to remove, and it's killing my score. Is Lexington my answer? any suggestions?
They are not going to do anything different than what you have done so far. Have you tried disputing as " I have never had an account with Providian with a balance of $XXXX.XX." This has worked for me on several occassions with tough accounts.
I have not tried that, but - - I have tried EVERYTHING else. I just checked my 3-1 report and Experian has remarks (I guess from my disputes?) "Election of remedy - reported by subscriber. Legally paid in full for less than the full balance". Where did they get that from?
