So I've had Lexington Law working for me for about the last 5 months. In that time they have only had 1 collection/charge removed from my account. I started taking matters into my own hands on monday. I checked my CR and found 2 entries by US Bank for the same account. The 1st was listed by US BK RMS CC for a collection/charge off-reported only to TU The 2nd was listed by US Bank for a collection/charge off-reported to all 3 CRA's. I called US Bank and told them about the duplicate entries by them adn requested to have one removed. They just asked for me to fax over a copy of the pages of my CR with my info and the 2 accounts. I sent the info over on Tuesday. I just check my report for an update 10 minutes ago and they removed the listing that was reported to all 3 CRA's! Just a boost of moral for all of us newbies out there that it can be done by ourselves! Obviously I still have a lot of work to go but it definitly helps when you see some improvement!
LL only disputes a few items at a time. They say this is because disputing more will get you "flagged." That is a lie. Apex Credit Services disputes all derogatory information at once but, we only do so twice. It isn't how many items you dispute, it is how many times you dispute the same item. This is the reason we don't have some long-drawn out process. Our plan is 90 days tops, works better, and is actually cheaper in the long run. In addition, we actually dispute by data fields such as date of status, account type, status, date of major first delinquency, etc. This is because we know the FCRA and FDCPA. Admittedely, we do not remove everything but, for what we do not remove, we get violations.
question for you about your guys' luck with bankruptcies. obviously you can't actually guarentee anything but have you had much success with bankruptcies being removed? Ive posted on here a few times about mine. I have a chapter 7 that is dismissed, listed with $0 liability and $0 assests. Think you might have any luck? I've found a few ways to dispute it and then use procedural letters but im currently in iraq and mail is pretty slow getting here. What do you think? Also, what happens when you get violations? Just a quick FYI, just by being on this board and giving out all of these tips and information, even the one of the FHA today....definitly sets you above the rest. That is why I am heavily considering you guys.
LL is a scam! I have helped a ton of people just off of my experience reading from these posts, and using myself and my friends and fam as test subjects. I have even gotten TU and Expn & EFX to remove ALL items!!! Here is my spin on the sample letters. 100% guaranteed to remove at least 1/2 of all claims HINT::: TYPE IN EXEL to keep track of disputes! --------------------------------------------------------------------- From: Previous Address SSN: __________________________ Date of this letter: To: TransUnion LLC @ 2 Baldwin Place, P.O. Box 1000, Chester PA 19022 Via USPS CRRR # _______________________________ Upon review of my 3-in-1 Credit Report obtained through __________ report# ___________________ I discovered the following inaccuracies in my credit history file at your bureau which I am hereby disputing. I ask that you investigate these items in my file and take the appropriate action as requested. ACCOUNT DISPUTE REASON ACTION REQUESTED NISSAN 037986XXXX NOT MINE DELETE FROM FILE CAP 1 BANK 5525XXXX NOT MINE DELETE FROM FILE CHASE NA 526021XXXX NOT MINE DELETE FROM FILE CHASE-052XXXX NOT MINE DELETE FROM FILE CIT 980047XXXX NOT MINE DELETE FROM FILE CITI 41280034XXXX NOT MINE DELETE FROM FILE CITI CARDS 5801XXXX NOT MINE DELETE FROM FILE EMC MORTG 8961XXXX NOT MINE DELETE FROM FILE GEMB/JC PEN 37XXXX NOT MINE DELETE FROM FILE GEMB/JC PEN 43XXXX NOT MINE DELETE FROM FILE PUBLIC RECORDS/CASE NUMBER/RECORD DISPUTE REASON ACTION REQUESTED BankruptcyChapter7 Docket:200228854 NOT MINE DELETE FROM FILE RESPECTFULLY, YOUR NAME I am including a copy of my Driver's Liscense & Social Security Card
