Lexington law firm

We were unhappy because they did not do what we felt like they were advertising. They definitely didn't do what we couldn't do for ourselves. Also, probably my biggest concern was that they disputed ALL derogs as "not mine" when I told them "never late." So good tradelines were completely deleted instead of being corrected for our benefit as showing paid, never late. Then, one of their letters was returned to us (because they write as if they are you and at the time I thought they were writing to the CRA's as my attorney) and it was sloppy, misspelled basically embarrassing representation of us. We immediately terminated our agreement at that point. This was some time ago, maybe things have changed. If you are too busy to dispute for yourselves, then you may want someone to do it. But with a little time and organization, you could do it yourself with good results I'd think.

 

I got over 30 derogs deleted on my own and after that was done I spoke with someone at LexLaw and he admitted to me that they couldn't have done any better. If you are literate enough to type you are literate enough to do it yourself and save a lot of money.

 

They suck! The END !

 

click the links below

 

There's no such thing as "too busy to dispute on your own". It only takes MINUTES. The consensus on this board is STAY AWAY FROM LEXINGTON. I have yet to hear anything good about them, yet I consistently hear about people "firing" them.

 

I have been in the business of credit repair for over 12 years (I currently consult with a number of credit repair concerns including Lexington Law Firm.) I was neck-deep in credit repair before there was such a thing as a "discussion board" or anything like the internet (that anyone had heard of.) Reading this board is a secret habit of mine, but I rarely comment.

I'd like to chime in on this one. My opinion on this is backed by a group of client credit repair service bureaus that service many thousands of credit repair clients at any given time. in other words, I am privy to the trial, error and wisdom of a fairly massive body of credit repair work going on every day. I hope that this gives me a touch of credibility in this area.

Comments regarding Lexington Law Firm on this board are made largely by self-congratulatory folks (duly so) who have worked hard to repair their credit. Few respondents on this board have not made credit repair a "minor hobby" of theirs. Kudos to all. Credit repair is truly do-able by yourself, especially with the often-great coaching found here.

Yet, I would not personally do my own credit repair work. It is not as simple as some would say. If that were so, boards like this would not exist. You could simply visit credit bureau websites, follow their instructions and your credit would be fixed.

In truth, repairing your own credit requires significant organization, follow-up and time. The credit bureaus do not easily roll over and allow the credit report to be changed. They stall. They stonewall. They ignore. And, they have been doing this consistently for the decade I've been watching. They do not want you to repair your credit and they have full staffs of professionals creating obstacles and stumbling blocks to the consumer who tries.

As always, if I can disagree with my fellow posters, credit repair is difficult enough that it requires no small amount of self-education and self-discipline to get it done. That's why people seek the assistance of a credit repair law firm such as Lexington Law.

And, that's why I would have Lexington repair my credit if it were damaged (and why I've referred dozens of friends and family to them.)

There are dozens of positive comments about Lexington Law on this board, but the fact remains that this board is almost exclusively populated by do-it-yourself credit repair advocates who have no reason to endorse any for-hire credit repair service.

Lexington Law (I happen to know because most of these attorneys and staff are my friends) is a fantastic firm who collects and applies the very best in current credit repair technology and they do it to a level of professionalism never before seen in the credit repair industry. You could not do better than to hire Lexington (with the possible exception of mastering the art of credit repair and doing it yourself.) Lexington picks through this board, tests and applies every worthwhile technique discussed here, in addition to forming its own technique based in its extensive experience. And, unlike the hapless reader, Lexington knows which techniques discussed here don't work or are damaging to the credit repair effort.

For those who might think that Lexington dispute letters are written willy-nilly and who might think that their own credit repair experience is deeper than Lexington's, I might suggest that every word, spelling, format and comment in a Lexington dispute letter was very, very carefully chosen BECAUSE IT WORKS. if attorney-esque dispute letters full of legal-ese worked better than the casual, average-sounding ones in use by Lexington at the moment, Lexington would be using the attorney letters. Trust me when I tell you that every possible permutation of dispute letter is tested and tracked by Lexington over huge numbers of dispute letters and only the most effective, deletion-generating dispute letters are used.

If you're the cynical type, don't take my word for it. Visit the Lexington Law website and take a look at their astounding deletion statistics. Lexington is on track to delete over 400,000 negative listings from their client credit reports this year. I would be surprised if any poster on this board will see one percent of that kind of credit repair success during 2003.

Again, I say congratulations to those who have made credit repair, and this killer board, a pastime. You deserve the good credit you've made for yourself and credit repair is the better for your time and comments. For all the others who innocently ask for a recommendation as to Lexington's effectiveness, I say, they are undoubtedly the best and you should retain them.

 

Wow.....I have to say that was an excellent post. I totally agree that it is not "easy" and if you do not have the time to commit, it would be worth finding a reputable company to assist you. It's a long haul, but worth it in the end.

 

Let me just add a supportive comment for Lexington as well. Most people know me on this board as a fierce proponent of do-it-yourself credit repair: To wit, I (and others here too -- I claim no monopoly on good press, LOL) have been quoted in Smart Money Magazine regarding the "Nutcase" series of letters as well as my own personal lawsuits against the CRAs, etc. In fact, I co-instructed The Motley Fool's successful "FICO 850" Seminar earlier this year. Even so, I agree wholeheartedly with Jayson that if one is to do his or her own credit repair successfully, the task does require study and a commitment to follow-through. Also, as Jayson pointed out, you really do need to be willing to make credit repair a big part of your life. In my case, I was thoroughly addicted, LOL. For someone who absolutely does not want to join what Smart Money Magazine's Anne Kadet termed "the Cult of FICO," then hiring a REPUTABLE firm may well provide an excellent way to significantly improve ones credit rating.

A biographical tidbit which may be of interest to someone out there: When I began my own credit repair journey a few years ago, I was a client of Lexington Law Firm. They did a great job for me. In just a few months, their work resulted in a significant number of tradeline deletions. The reason I left had nothing to do with their work. Rather I found that I was one of those people who wanted to learn a LOT more about credit, federal statues like FCRA, FDCPA, FCBA, TILA, and more, so I became a credit repair groupie. I joined "the Cult of FICO" and turned this into an almost-full-time hobby, a circumstance that has proven to be very enjoyable and financially rewarding as well.

That said, Creditnet has something like 7,500 members as I write this -- in a country with a population of something like 350 million people. I suspect that most "normal" people don't want to join our obsessive avocation, checking their credit reports weekly or even daily, poring through federal statutes like Butch (whose work certainly benefits us all!), and such. Perhaps some people aren't committed to following through, or don't want to worry about it, or simply don't have the time to do so. For those people who will never, ever, ever become "regulars" here with us on Creditnet no matter what, hiring help may well be the way to go. In any case, letting someone else do it may be far less costly over the long term (cost of credit, the opportunity cost of denied credit, inflated insurance premiums, etc.) than doing nothing at all.

If you ask me point blank, "Can I be more effective doing my own credit repair?" I will answer: "YES you can -- if you're willing to take the time to read, learn, and commit yourself to following through as we've detailed in the unofficial Creditnet FAQ, Primer, and Glossary (INTRO threads atop this board)." Otherwise, hire competent assistance. Having done both, I can tell you that either approach can pay excellent dividends.

Doc

 

1 percent of 400,000 is 4,000 negative posts!!!! I don't think any individual has 4,000 TRADE LINES, not to mention 4,000 derogs.

Care to give us a little more realistic threshhold? I got over 30 derogs deleted, 5 left. Does that count as success or failure?

 

Of course, nobody has that many tradelines.

I mean, even those on this board who "assist" others (commercially or non-commercially) in repairing their credit probably won't see even a small fraction of the Lexington experience-base.

(Hope that makes more sense.)

 

I'm mighty close to 4000 derogs!

 

I've used Lexington Law Firm for the past 12 months, and I can say that I have been happy with the results that they have provided. I agree that ALL of what they provide is â??do-it-yourselfâ? work, but at the time that I started with them, I didnâ??t have the discipline or knowledge of what to do, and where to go. Since that time I have found this WONDERFUL board, and I am now using a two-pronged approach, with Lexington handling the dispute side of things, and I take care of the â??nutcaseâ? letters with the CAâ??s. Iâ??ll eventually drop them so that I can have a more coordinated attack against the derogatory listings that I have, but they have worked well for me so far. They dispute ONLY what I have asked them to dispute, so my good trade lines have stayed intact.

Results to date â?? 29 total derogatory items (many are the same dergogatory item across 3 reports), 19 deletedâ?¦thatâ??s a 66% success ratio. IMHO they work, but you have to weigh your commitment to handle stuff on your own vs. having someone do it for you for a fee.