Has anyone heard of Lexington Law? According to their website, they can get negative remarks removed from your credit report. They are a member of the BBB, so I'm assuming it's legit. I'm willing to pay a fee if it works.

skippyface

I used to work for Lexington Law and I know how their practice works. They are indeed a law firm, although they are more than that. The firm is full of lawyers who oversee every part of the program. A paralegal in the state of Utah does not necessarily have to be a person who has any sort of degree. They are technically just legal assistants (in other words, an assistant to a lawyer). They do NOT do any sort of legal advising. A paralegal who gives any sort of legal advice will get fired for doing so.

Yes, they do what you can do yourself. When you sign up for the service, you agree to a limited power of attorney, which allows Lexington to send letters to the credit bureaus and your creditors in your name. Call it impersonation if you wish, but if you don't understand what Lex does, you should before you get involved. You should thoroughly research anything before you get involved. If you don't and you feel like you've been involved in a scam, it's your own fault. The letters they send are computer generated, there are several hundred versions of the same letters, worded differently so that they aren't automatically tagged by the credit bureaus as being repetitive. The computer fills in the blanks of your information as it goes.

What Lex does is NOT illegal. It kinda prances about on the skirts of legality, but never becomes illegal, which is the reason it's been in business as long as it has. When Lex disputes anything on your credit report, they do it based on the information you provide. They do NOT check the validity of the information. That is entirely up to you to be sure your information is valid and if you choose to dispute something you know is negative, then it is on your shoulders if the problem becomes worse (ie, if it was once reported with just one bureau and then becomes reported with all 3).

Lexington does not charge for work before it has been performed. They also have a money back guarantee after 1 year. There are many people who have benefited from the services of Lex and many people who have not. Do not expect miracles. Do not expect your credit reports to be instantly transformed. It takes persistence and patience. But do not fall under the misperception that just because it's on your credit report, that makes it right. I have seen many, many instances where the credit bureaus have made mistakes and those mistakes need to be taken care of. Yes, you can do it yourself, but if you don't have the time or the knowledge, it's nice to have someone else do it. The items that come off most easily are the negatives that are old and are close to coming off on their own anyway, but that doesn't mean that you can't get others removed.

Lex has literally THOUSANDS of customers. They haven't the time or the manpower to deal with your credit reports on a personal basis. They do what they can with the resources they have. You get form letters and form email, but when you call in, you talk to a real person and that real person will help you to the best of their ability. If you want to talk to an attorney, you will be able to do that. If you have a simple question, in many cases, a form email will answer that question. If you have a complex question you want dealt with, I would strongly recommend calling rather than using email.

Other than that, do not misunderstand Lex's intentions or what it is they do or their capabilities. They are a law firm, they are a phone center and a data center, who deal with literally thousands of customers on a daily basis. They cannot perform miracles, they indeed do what you can do yourself, they do offer more services beyond this and if you need the added power of personal contact from an attorney in what you're doing, you can get it. But generally, you don't need it. You just need persistence, patience, and understanding of their limitations.

skippyface

I also forgot to mention that if they sent a letter to the incorrect address, that is because the credit bureaus have SEVERAL addresses and sometimes it's hard to know which one is the correct one. They usually say on the credit reports, although sometimes there are more than one address on the report. That is the fault of the person doing the data entry, they did not select the correct address.

As to the letter that you got from Trans Union, honey, that's a form letter. They send that out regardless of whether you send the letter yourself or Lex does, whether your information is accurate or not. They send it out before they even bother to investigate your information. You should learn to recognize a form letter.

whocares1

I am also checking into them because I have a friend who used them and said they were wonderful. Can't find anything negative on them

Sweety66

Lexington law Firm Is Not ligit !!!! Do Not attempt to use this comany at all!!!! They can not change anything for you off of your credit report. I was fooled by them also and lost my money to them.

Carlos P

I'm an exemployee for this firm and believe You Can Do It Your Self, I'm not saying this just because I'm and ex-employee for this company, but because I learned while working for thm. My Issue with them is in the employment with them, hteir employee retantion is too low, thir training classes are every 2 weeks about 20-30 people at the time, by the 1st month they have lost 90% of them, and they lie in their interviews in order to get you in. It's tax deductable for them having new hires, they claimed as company loss. The issue here is have them fax-email-mail to you a copy of their Retainer Agreement you'll read yourself and they are obligated by law to disclouse it. It states that you can do it your self and how to do it, the fees are way hight for their service. By law You have the right to get a free copy of your Credit Report once every year, if you hav less than 15-20 negative items you are wasting your time and money anything above that you may consider it. The reason I quit is because they take advantage of people ignorance to make money. Many people never bother to read the retainer blue prints, they just sign and pay a blind contract. Don't hasitate READ IT. You don't need people to tell you what to do, any q's i'll be happy to extend . . . don't get m wrong thy can help you, but why waste money when you can do it your self, believe me is not that you are going to pay and wait for a miracle to happen, YOU HAVE TO TELL THEM WHAT TO DISPUTE AND WHY ? Ok I'll include a link in their own website How can bad credit be repaired? - Lexington Law Credit Repair FAQ just read it

Carlos P

Sorry I made many mistakes in my answer and forgot to do spell check also my keboard is having thruble with the letter E and where I work I have to abreviate every single word that some times I don't notice when I do . . . This is a Re-send

I'm an ex-employee for this firm and believe it You Can Do It Your Self, I'm not saying this just because I'm and ex-employee for them, but because I learned while working for them. My Issue with them is in the employment state, their employee retention is too low, thir training classes are every 2 weeks about 20-30 people at the time, by the 1st month they have lost 90% of them, and they lie in their interviews in order to get you in. It's tax deductable for them loosing and having new hires, they claimed as company loss. The issue here is . . . have them fax-email-mail to you a copy of their Retainer Agreement you'll read yourself and they are obligated by law to disclose it. It states that you can do it your self and how to do it, the fees are way hight for their service. By law You have the right to get a free copy of your Credit Report once every year, if you have less than 15-20 negative items you are wasting your time and money anything above that you may consider it. The reason I quit is because they take advantage of people ignorance to make money and I am not ok with that. Many people never bother to read the retainer blue prints, they just sign and pay a blind contract. Don't hesitate READ IT. You don't need people to tell you what to do, any q's i'll be happy to extend . . . don't get me wrong they can help you, but why waste money when you can do it your self, believe me is not that you are going to pay and wait for a miracle to happen, YOU HAVE TO TELL THEM WHAT TO DISPUTE AND WHY ? Ok I'll include a link in their own website How can bad credit be repaired? - Lexington Law Credit Repair FAQ just read it

marko63

I used lexington law back in 2001, they DID remove a BK and a few a lates.. The Bureaus have to investigate any claim you dispute on your credit profile no matter what the letter looks like..

I dont know whos telling you late payments cant be removed,i've disputed items that were removed recently....
Credit BUREAUS are private businesses that thrive on making profits off of consumers and selling your personal information..The bureaus' first line of resistance is to erect walls of stall tactics; requesting further information, clarification, and additional identification. If provided with the requested information, bureaus will then reject each claim as frivolous or irrelevant, hoping that the dispute will go away. Bureaus will do almost anything to avoid opening an investigation on a dispute; they've spent the last 30 years designing a system that is meant to frustrate and discourage consumers. Because of this, the vast majority of consumers give up before their dispute is investigated....

marko63

Thats another thing, they are constantly changing there PO boxes so u dont dispute info on your credit report.. No matter what your dispute letter looks like they send the same form letter requesting additional info on a creditor those are stall letters.. Transunion,Experian hire people and legal staff to filter all disputes before any investigation takes place, and %80 get denied... Has nothing to do with these credit repair law firms .... Its THE bureaus that thrive on people with bad credit, that why they wont remove neg marks. Bad credit means higher interest rates
...

marko63

u can do it yourself if u have the time to deal with the stall letters..

scamartist

Lexington Law firm is a scram company. They are not a real law firm, it is a basic credit repair company owned by a man named Jason Orvis from North Salt Lake Utah. He makes it look good by registering the ownership of the company with a real attorney (usually of below average skill) and it has changed owners over the years, but him and his other non attorney partners have secret contracts between them and the attorney who claims to own the firm, Which pay the attorney a sum in the six figure range to act as the front man well they run their little so called “law firm” credit repair business under the cloak of a law firm and the attorney can practice his own little business on the side. How do I know this you ask? Because I have seen the contracts and may still have a copy of one. And why does the attorney go along? Becuase he makes more being the front man then he could ever make as an attorney with his skill set. And if the front man gets to bossy they boot him to th ecurb and get the next guy in line to be the front man, that is why the registered owner with the state of Utah has changed over the years. You see only a lawyer can own a law firm so they need a front man.

This business model is a scam from the get go, and yes I have seen the letters they write to the credit reporting companies on behalf of clients and they do sound as if a first grader wrote them. Also, The so called paralegals you deal with are merely $9.00 an hour customer service hacks with no formal paralegal training. All the while Mr. Orvis aka Lexington Law Firm has about 8,000 – 10,000 people a month who pay them $39.00 a month, that’s over $300,000 a month, yes I’ve seen their accounting records.

Pay them if you like, but keep in mind you could hire your little sister in junior high school to do the same thing for you and probably at a cheaper price.