LEXINGTON LAW...Credit repair....SCAM SCAM...SCAM

[CindyLou]

Well said, Pakettle! Its a tool, not a cure! I don't think the OP is ever going to believe us about our great experiences with Lexington....so hey, I tried!

[Flamingo]

I have not used them and have always heard bad things about credit fixing companies. However, since some have reported good experiences with Lexington, maybe it's worth it to some people. I don't think anyone would need to pay them for 7 years. The point is to pay them to get your credit record clean enough to get some credit. After that, you manage your credit wisely and then it doesn't really matter that you have a bankruptcy on your report. No?

The point most don't realize is that the information is temporarily moved off credit reports by these agencies because they are falsely disputing the information as being incorrect or not belonging to them. This is done continually every 30 days to keep the information temporarily off. However, the information does not disappear. If one likes to play roulette as the casino, it's the same process. While the information may temporarily be off the credit reports and could reappear at any time during the 7 to 10 year period after filing, the information is in the records of all creditors included in the filing and if the person tries to obtain credit with with that former creditor or any related subsidiary of that creditor, the BK is there. Again, it's up to folks how they want to handle their money and their lives and these places continue to make a fortune out of loopholes and risk not clearly advising clients as to how and what they do. The horror stories on the internet speak for themselves and then there are the satisified clients where the scheme works for them. It's the US and people can make their own decisions.

[2confused]

How much is it?

[littlejuice]

I was an employee

To those who are wanting a cleaner credit report.

I was an employee with them for about 10 months. They closed the office were I worked and centralized their operation in Salt Lake City. As far as them being a scam, no, they are not a scam. Its a legit company that works in the credit repair world.

Now that being said I would never use them. They claim to "empower their clients to creditworthiness" but in the stint I worked there I ran across numerous clients who were paying us for nothing. Now I did see some accounts that had negatives removed off their credit reports but most were being sapped by the company for money.

Another thing... those "paralegals" arent what you think paralegals are. By definition to be a paralegal (in the state we were located) the only thing you had to do is get your work overlooked by a lawyer. Now think about that. In the office I worked in all of us were college kids, and come to think of it none of us were majoring in Law of any sort, lets not even go to credit law. They train you for about a week have 3 hour training sessions per day then let you loose on the floor. If you really want to know call em up and ask your "paralegal" a credit question. Ask em something they should know if they were a legit paralegal. What you will receive is an answer that doesnt even pertain to the question you asked. Thats cause they have no idea what they are saying. I am a quick study and would go home and study more about credit law. Many times I had to take calls my co-workers couldnt handle because of their lack of knowledge. It was saddening. They even joked about how retarded the clients were for listening to a bunch of college kids trying to make rent. I personally majored in Exercise Physiology and am off to med school. That is no where near credit law....

So for anyone who reads this please take all these comments with a grain of salt. I believe I am the only person on this thread who actually admitted working at the "law firm". I did see some amazing results for a few people. The company isnt a scam (as the definition of scam relates) but they were few and far between mind you. And like what has been stated earlier they dont do anything you cant do at home. Even being an employee my record did not have anything wiped off.... and I worked there. You know I was pushing my account more than anyone elses. So thats my two cents. There you have it.

If you have any questions feel free to email me. (email address removed by moderator) Ill tell you more if you like.

[NanaOf11]

Well said, Pakettle! Its a tool, not a cure! I don't think the OP is ever going to believe us about our great experiences with Lexington....so hey, I tried!

Cindy, how long has it been since you cancelled with them? Has any of your "removed" items returned on any of your reports?

Thanks

[klb]

Ditto Confusing

I have had a very, very poor experience with Lexington. Five years ago, my former perfect credit went to heck after my child was diagnosed with cancer. I was a single parent with no support system and I had to leave my normal 9-5 position to tend to my child and treatments, etc. Over the course of about a year, my entire financial world collapsed around me. I lost everything, my credit was ruined and I ultimately file bankruptcy.

For several years, I have been dealing with the bad credit backlash. I finally decided it was time to take some action and turned to Lexington Law. Bad idea. I have been using their so called services for almost 5 months. A few negatives have been removed, but nothing that has improved my credit. Oddly, my score has dropped about 80 points since I started using them and I have not done anything to generate activity against my report.

They rarely respond to my messages at all and when they do, the response is inadequate at best.

Overall, I have found them to be full of promises with no delivery and their customer service is the worst I have ever encountered. Just a waste of money as far as I am concerned.

[ForumReader]

As much as it is to avoid debt settlement companies (DSCs), it is best to stay away from "credit repair" companies. They are as much "scammy" as DSCs are. Always best to repair your own credit reports. Dispute, dispute, dispute and clean up your CRs until you are completely satisfied.

[Tshare]

Is there any actual "good" credit repair companies around trustworthy? even though, I tell everyone that I only TRUST GOD and the VIRGIN MARY.

Could someone help me out with perhaps a good feedback with a good credit repair company?

Thank you in advance!

[mandi]

About 4 years ago, I had one bad item on my credit report, that I wanted removed. Since it was only one item they charged me a one-time fee. I was a member of another credit forum at the time, and a user had posted some contact information for someone at the company I owed that would agree to settle and delete the debt. I gave this information to Lexington and the paralegal said she could not do anything with it, I would need to contact them on my own. So even though I paid them, they did no work.