LTR From TU RE: Lexington /long

I recieved one a wileago. Lexington told me that they (TU) were sending to any one that was disputing alot of items . The funny thing is after the sent the letter the last of the of the derogs came off . Except for the Chapter 13. I am about to get rid of them because Equfax and Experian has been ignoring ther letters.

 

Louie, are you sure you aren't the guy who authors the Lexington dispute letters?

Doc

 

Hahahahaha!!!

 

Mindcrime, I just cancelled Lexington. I received the same letter from TU. Because I am disputing items as well I did not want my disputes to be labeled "frivolous", which TU says Lexingtons were. They do only dispute as inaccurate, or not mine. Tu said they require more than that.
Lexington sent me an E-Mail right before I received Tu letter. They said that TU was writing all their clients with false information about their services.
I cancelled didn't even care about a refund. Lexington had two positive items removed from my reports! I sent them my credit reports and highlighted the items I wanted disputed. After seeing how they dispute, I decided to cancel. I have gotten more done on my own!

 

And you always will.

 

ROFLAO

everytime I use that phrase with a friend of mine, LMAO, he corrects me and says "NOT HARDLY !!! " However, generally we are not on the floor, we are talking on the cell phone to one another, presumably seated in one fashion or another.

I assuming you are laughing with me, not at me. We Texas gals do like to laugh !

I almost signed up for Lexington. As a matter of fact, I did sign up on their website. But I input the CC# wrong, and by the time they contacted me back for correct # I had a bad case of buyer's remorse, and I never gave them the scoop to bill me.

Must be good karma, hmmmm??? I think I'm glad I had fat fingers and blonde moment when I was typing in those numbers.

 

Mindcrime,

I believe you are thinking about what happened to me with Junum. I cancelled Junum about 1 year ago after they successfully got 4 positive accts deleted from TU for me.

In January of this year, 6 - 7 months after I cancelled, they sent a dispute to Experian. Because I had been doing my own disputes and had sued the exp. affiliate here, my exp. report was clean. The attorney for the exp. affiliate sent me a copy of the dispute along with a letter asking me what in the hell I was doing. Well, it turned out Junum sent out the dispute, but to this day they deny. The postmark was from Santa Ana, Cal. where they are located. I haven't had any further problems with them after I verbally threatened to sue them in federal court if they ever wrote anything on my behalf to anybody about anything. I was a little PO'd.

 

OUCH !!!

I would just assume that they have employees in the same range as every other company in the world that has to do with some sort of customer service.

Some are absolutely super, they never make a mistake and always go above and beyond for the customers....some are a little above competent/average, but if they were doctors you would go to them for bronchitis, not brain surgery.... And then some are those that they could screw up anything and everything if having any sort of an off day.


Bet the employee who mailed to the wrong CRA was in the third category...

 

That Trans Union letter seems to be accomplishing their aims: to intimidate and confuse consumers who are actually doing something about their credit. What other possible goal could TU have in mind than to drive a wedge between a person and their credit repair lawyer? Does anyone actually believe that they care what happens to the consumer?

I've been in credit repair for over ten years and the bureaus have routinely sent out blasts of junk letters like this one to scare and confuse people who are disputing their credit.

I work with Lexington and Lexington has received numerous reports of people disputing their own credit getting the same letter from TU. It's a blanket attempt to ferret out credit repair customers and force effective companies like Lexington Law out of credit repair.

Since most people are clear enough to see that this is a cheap attempt at stalling the dispute process, Lexington has seen very little client loss over this latest ploy. Likewise, Lex has seen almost no impact on TU dispute results (odd considering that TU claims to be able to identify credit repair company disputes - they can't.)

The bureaus have no legal grounds whatsoever to claim that:

a. they aren't REQUIRED to accept a dispute filed by a third party credit repair company (Millbauer v. TRW states that they must,) and,

b. that credit repair companies can't dispute anything and everything that a client says is inaccurate or unverifiable.

This is another in a long line of credit bureau flim-flam jobs in their battle against consumers who are willing to do something about their bad credit.

Swallow the bait or don't. Either way, enterprising consumers will be repairing their credit, and using credit repair experts for a long time to come.

 

Thanx Jayson,

Great post and I agree with you completely. But I must insist that a person is better off doing this kind of job themselves. Not because lex wouldn't do a great job but because I think this requires a very high level of control. Control over every word that goes out and exact dates that are designed to culminate to a lawsuit if necessary. No I don't believe that ANY 3rd party would give this project the kind of love and attention that's required.

Can you assert that Lex NEVER makes mistakes? Of course not. But there is just no room here for mistakes.

Secondly, when hiring outside one loses the most precious of commodities, the chance to learn. The pain involved in cleaning up their own mess is the greatest of life's teachers. I never hear folks who hire 3rd parties say things like, "DAMN I'll never be one day late again". There is a reason for this and you or Lex or anybody else cannot replace it. What one learns here and the tactics used will last a lifetime. A lifetime of excellent credit long after Lex is either out of business or just a distant memory in the client's mind.

You cannot replace most valuable of gifts by hiring someone else to fix your mistakes. That's why I think this job is better served by our personal attention.

 

Actually register me as someone who disagrees with all of that hyperbole. I haven't considered learning to repair my credit one of life's greatest gifts. My children are one of life's greatest gifts. Sending letters to Equifax is not. Moreover, let me just say that if I am missing out on some of these "precious commodities" lol, then I'm also missing out on these other "valuable gifts": I hire people to fix our cars. I hire people to clean our house. I hire people to mulch and landscape. I hire people to do my taxes. I suppose I have cheated myself out of lifetimes of learning by hiring people, but frankly I only have time and room enough in my life for a few "precious commodities" lol. Finally, all those people I hire have occasionally made mistakes. It's a pisser when they do, but they occasionally do. There are very few things in life that can't metabolize a mistake -- my children's health, for example. (Hell, I made a mistake or two during the times I was repairing my own credit and I imagine a few others have as well.) So, Butch, I love you, but I think you're way off the mark here.

Psych "Who Loves Ya Baby" Doc

P.S. Just to be clear, I do agree with Butch's contention that some people (me, for example) have totally enjoyed doing my own credit repair. Lexington, for example, could never have framed the goodwill letters, the nutcase letters, and the small claims lawsuits. So register me as someone who agrees with Butch that ones own customized bout of credit repair can indeed be much more pinpointedly precise and deadly. (I just wanted to make clear what I was debating. I *do* think Lexington and others can do a great job, and I don't think that hiring someone to do it means you're cheating yourself out of one of life's greatest gifts, lol.)

 

I'd like to read up on the "Millbauer v. TRW" case Jayson cited. If anyone here has Lexis/Nexis or Pacer as part of their work (you paralegals and lawyers out there, namely, lol) and wouldn't mind looking it up and posting it here, I'd appreciate that.

Doc

 

Awe cmon now Doc,

What you just said has little to do with what I said. I wasn't talking about a broken car or a messed up house. I'm talking about a willingness on the part of a person to learn from their own mistakes. The willingness to walk through the pain of our mistakes is how human beings learn (for the most part). There is a new sense of personal empowerment that occurs when someone reaches inside themselves and discovers new strengths they didn't know were in there, like going to court for the first time or forcing the removal of an inappropriate derog. The feeling of taking control of ones own finances. The feeling of drawing the line in the sand with these people, or anyone for that matter, and not allowing them to cross that line to rape us of our legal rights. In other words learning to fight for oneself when fighting is necessary. The new sense of responsibility and discipline that fixing this stuff ourselves inculcates ARE some of life's gifts, inho, (and of course kids too). And this is just to name a few that I can think of off the top of my head. I shant belabor the point.

In fact - come to think of it you're right. If filling out forms for Eq really IS what this is about for some people then, yep, I too would suggest they hire someone else. In those cases I think Lex is a good choice.

Just my humble opinion Doc. Reasonable people CAN respectfully disagree.

 

Awe DARN,

I forgot to include my example. Just think, if you were not personally envolved in your own credit repair we all never would have had the nutcase series. You've helped a TON of people with that Doc. Now isn't that a "precious commodity"?

 

I you're overplaying it. Moreover, your attempt to appeal to my vanity almost worked, lol.

Doc

 

I agree with Butch and Doc. It's an easy picture to paint: if you want to learn an interesting new area of proficiency as a consumer, credit repair is fascinating and there's no better place than this board to learn the ins-and-outs.

If you have better things to do with your time, hire a professional such as Lexington.

I have been with Lexington since their inception and I can remember all the seminars, all the experiments, all the thousands of tests and experience. In sum, they're good at credit repair because they're innovators and because they care to be good at it.

As cool as this board is, there is still about a 25% myth/error coefficient (I watch this board like a hawk.) In other words, some part of what is promoted on this board is not true (based on my experience and based on what I know as fact.) While Lexington might make operational mistakes on occasion - I'm sure - they're far outweighed by the mistakes found in the conventional wisdom that propogates itself here and elsewhere.

And yet, by doing it yourself, you can massage your credit repair work possibly better than Lexington Law will.

All in all, if you want to learn this, do it yourself. If not, hire someone (and I'm absolutely sure that Lexington is the best out there, if you're going to hire help.)

Have you guys noticed the new Lexington website? www.lexingtonlaw.com They're now disputing with each creditor at the beginning of each case at no extra charge! Lexington's finally complete with its years of research into disputing with creditors and is offering it globally to new clients. I can hardly believe that they can do that without charging more, but they are. Check out the press releases off the home page.

Go check it out. These guys are redefining credit repair. I don't know how the other credit repair guys out there are going to compete with their new service models (and their killer client service/customer service.)