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| *Loan,banking and credit>>>credit repair |
Can anyone vouch for Lexington Law firm for credit repair? |
I've heard that some of these companies are complete scam, rather than simply an over-priced service for something anyone can do themselves. Has anyone heard anything bad about Lexington? You know I was gonna sign up with them, but I can tell you they are a scam. They will stretch sending those dispute letters for a long time so you have to keep paying them monthly- You can do what they do by sending the letters and disputing your credit errors by yourself. It is very easy. I just got a judgment taken off last week. Sign up with www.truecredit.com Then look for the errors- make 3 copies of your credit report and highlight all the errors send one copy of your report to each of the credit agencies(trans union, equifax,expirian) Also write a head letter for each credit agency heres a sample letter(customize it to each credit agency) Credit Report Dispute Letter Date Complaint Department Name of Company Address City, State, Zip Code Re: Your Name Your Date of Birth Your Social Security Number Dear Sir or Madam: I am writing to dispute the following information in my credit report; I have circled the items I dispute on the attached copy of my credit report. Item 1: (identify item by name of source (i.e. creditor) and type of item (i.e. credit card account, judgment, etc.) This item is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (updated, modified, etc.) to correct the information. Item 2: (if applicable, etc.) Enclosed are copies of documents (i.e payment records, court documents, cancelled checks, etc.) which support my dispute of the above-referenced item(s). Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible. Sincerely, Your name Your Address cc: creditor(s) Enclosures: (List what you are enclosing) Mail this letter along with a copy of your printed credit report to each agency: Do not dispute any bad credit that is not listed under that agency.For example if you have a credit error with transunion and its not listed with equifax, you dont want to send a dispute letter to equifax because this will only cause the creditor to possibly make a report to equifax. Send your letters First class mail and always keep all copies of what you sent and receipts that you did in fact mail your disputes. This way you have proof of the exact day you mailed your claim . The credit agency has 30 days to do the investigation or bye bye baby the debt gets deleted. Here is another letter for your creditors to demand proof of your debt:This was emailed to me by another yahoo board member and it is great: Sample letter to creditors This letter is being sent to you in response to a notice sent to me on December 16, 2005. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested. This is NOT a request for 鈥渧erification鈥?or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following: 鈥?What the money you say I owe is for; 鈥?Explain and show me how you calculated what you say I owe; 鈥?Provide me with copies of any papers that show I agreed to pay what you say I owe; 鈥?Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 鈥?Prove the Statute of Limitations/UCC has not expired on this account 鈥?Show me that you are licensed to collect in my state. 鈥?Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau鈥檚 (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following: 鈥?Violation of the Fair Credit Reporting Act 鈥?Violation of the Fair Debt Collection Practices Act 鈥?Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that your offices make no telephone contact to me or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. us the option with truecredit report.com for a monthly membership.This way for 14.00 you can check your report continusly . By doing all this will give you control of getting your report fixed By using lexington Law You have no control and you wont be able to tell if what Lexington Law is doing for you. The only thing this will cost you by doing it yourself is paying for your credit report and your time. This does take time and patients. However it will help you learn the credit system and will help you learn how to take better care of your credit and be more responsible in the future. Doing the disputes myself has taught me a great deal about the credit system and I can say I am earning better credit everyday- Source(s): most of the info that has helped me tremendous came from other yahoo board members pass it on www.newcreditsolution.com, my friend. ask for christian..he's good people. forget about lexington; you'll be waiting forever to clear your report. i've used this guy and his services and he's righteous. tell him frank sent you.. good luck! dont use credit repair companies. Biggest scam artists! Whatever they will do for you is something that you can do for yourself. http://www.ftc.gov/bcp/conline/pubs/cred... My best friend used Lexington Law Firm, going on 8 years now... They did remove many items, but still many derogs remain. However, there are ways to work this problem out. We have been able to obtain 700+ FICO scores within months with help of course. Good luck! |
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