Ok, here is the summary on my 3.5 months relationship with Lexington... I am very, very impressed: TransUnion - 11 challenged, 9 deleted, including 2 judgements, and a REPO!!!! Equifax - 4 challenged, 3 deleted Experian - 6 challenged, 4 deleted, includes a REPO! Way to go... I am very very impressed...No, I don't work for Lexington, and this is not an ad....BTW, does anybody knows if these things can ever go back on my reports? A.
Yes they can. They can come back when and if the creditor decides the verify the debt. The CBA probably will notify you even though the FCRA says that they have to.
Are you on the $75 or $35 per month program? Also, how long was the time frame from when you joined to when you had your corrected reports in hand? Congrats on your results! Steve S.
Yes, the items can be reinstated on your report. If the creditors update their records next month (or any other following months to come), it will reapear on your files.
My daughter's friend who is on the $35 per month e-client program has seen some great results from Lexington. However, they absolutely will not answer your questions or communicate with you in any form or fashion. All emails are ignored. They do only two things: dispute negatives on your credit reports and take your money. This program isn't for inquiring minds. If you like surprises, it could be perfect for you. You'll eventually find out what's going on with your account when your updated credit reports arrive. Even if you do decide to have Lexington or anyone else handle your situation, keep in mind that credit repair doesn't happen overnight. Be prepared to pay the monthly fees for at least a year, and that's for ideal cases.
RE: Lexington if Lexington Law Firm doesn't respond, file a complaint with the Utah state bar. Lexington's lawyers are : Victor Lawrence (Utah bar ID # 04492) and James Mickelson (Utah bar ID # 04375). You can contact the bar via e mail: feearb@utahbar.org
Doris, Actually, I've been using Lexington for about 3 months now with great results. I am on the $35/month plan also. I have had to email them 3 times and have received an email reply each time within a week (& each time from a different person). There was one email that I sent them and after not receiving a response I resent it and 2 days later got a reply with the answer to my question and an apology for not answering the earlier message. Obviously the response times aren't going to be as quick as with the $75/month plan but I've been very satisfied so far. You might want to have your daughters friend try one more time. Kirk
To date, she's sent in over twenty emails. Only one received a reply, but they didn't answer her question. Although the firm does do some good work by saving people some major headaches in dealing with the CRAs, I think it's a shame that they refuse to communicate with their customers. The communication problem has been the subject of quite a few posts on this board, so it's obviously a widespread problem. I'm not sure, however, if any of those people were on the $75 plan. Does anyone know if Lexington answers the emails of its $75 customers?
Alex, I do work for Lexington and thanks for the kudos. We're also right on top of the communications issues that have been brought up. (I know I've been saying that for a month, but in that month we've doubled our staff to meet your needs declared on this BBS.) By the way, you can call us too at 800-341-8441 (we no longer charge for call-ins even for eClient - $35 - memberships.) In answer to your question: technically the credit bureaus occasionally re-report listings, but that's typically isolated to Trans Union. After a couple weeks, though, you're probably in the clear. Re-reporting of deleted listings is way overstated. It doesn't happen all that often. You should know by now whether or not they came back on. Let us kow.
