Is Lexington Law Firm worth the money?

Jan 292011
 

Has anyone used Lexington Law to rebuild their credit?

 

I just signed up yesterday but I am unsure if I should pay the  $100. I could very well put that toward by CC. What exactly do they do that I can’t do? Do they have a little more pull when the CC companies see the letter with their logo on it as oposed to me just sending a letter in?

 If anyone has any experience with them please share. And if you don’t have the experience please  share anyway.

 

I would like to know if anyone did the whole disputing process, please tell me everything you did. I was told they would be sending letters to the credit bureaus for validation and to the  CC companies? If the CC companies validate the debt do I then mail them GW letters???

 

Heeelllppppppp…

Capitol One email.

Jan 292011
 

Does anyone have an email to capitol one. Looking to send a GW letter. I had a judgment from them last year and they took 1800 out of my bank account. Now that the item is paid i want to see if i can have it deleted. Thanks

How do I use GW letters? Just starting out

Jan 292011
 

How do I go about using GW letters? Do I just send one per company or one for each negative item? I need help with capital one, orchard bank, sallie mae, and bank of america. Do I just keep sending letters until they give or just once and wait for an answer?

 

 

 

Does anyone have any samples they could send me ina PM?

1st Day Repairing-Need Help Getting My FICO up

Jan 292011
 

Today is the first day of the rest of my future. I am looking to get my FICO up as fast as possible. My FICO is extremely low and my credit score  is 530. I have an old collection that was paid 2 year ago, and four credit card accounts that are current as of 4-5 months ago but they all have a series of 30 days late, 60 days, late, 90 days late, and  one 120 days late. Another issue is I am almost maxed out on 3 of my credit cards and over the limit on 1 of my credit card which is also closed.

 

This week I am paying of a store credit card that has a series of lates and I will be done with that. I also plan to pay one of my smaller credit cards down to 50% by Friday . Over the course of the next two months I want to do the same with the others.

 

I also just signed up with Lexington Law yesterday to hopefully fix a few things.

 

Please, can anyone offer advice for me? All information and tips would be helpful. How much do you think I will be able to incrase my scores in the next 5 months? What else can I do? How soon would by numbers change by the end of Feb when I pay down my 2 cards?

Help Raise my Score.. PLEASE!

Jan 292011
 

I have been a Police Officer for 12 years and have a salery of $85,000. I’ve been trying to raise my credit score to atleast 620. A year ago.. I paid off everything that was owed and since have opened a new Car loan, 2 CC’s and one small loan of $2,500. I have been paying on time every month. I also joined Lexington Law Firm to help remove items that are subject to removal. I seem to NOT be able to get my score above 585. What can I do to reach my goal and CONTINUE raising the score. Any and all help will be appreciated. Thanks!

That’s demoralizing

Jan 292011
 

I haven’t checked my FICO score through here in many years, I thought it was the same as the score I get from the CRA’s. Boy was I wrong. I’m signed up through Experian and check my report and score monthly. After some credit problems a few years past, my score on the CRA sites has been gradually increasing. I just went up through the TU site to 670, and I’m pretty excited about getting close to 700! Until I read on here that they are different so I decided to get my TU score through here….573. How Demoralizing.

 

I have 3 small collections ($200/total), a public record that falls off in March, a judgment, and 3 other CA accounts. My bankrupcy will hit 7 yrs this year.

 

I’m going to pay the collections and ask for PFD, same with the 3 CA’s. The judgement I’m going to pay and ask them to vacate.

 

If I can get the collections, CA’s, and judgement off my record…how much can I expect my score to go up? Are we talking what I thought it was now, 670? Or would 700′s be possible?

 

And here I was all excited today because I was approved for a small loan so I can pay all of my CR negatives off.

GW example for a tradeline deletion

Jan 292011
 

Anyone have a sample of this? I have an account with GEMB where they wont GW the two 30s and one 60 I have. Wondering if now that I have paid it off, I can ask for the tradeline to be deleted instead. Worth a stamp, I think.

PFD Confusion?..

Jan 292011
 

I have a few medical bills that are paid, and one that needs paid. So for the one that needs paid i can send a PFD? and if they accept that and i pay it then it will be completely removed from my CR?

 

On the few i have paid already I can send a GW letter and possibly get it deleted?

I guess i was under the impression once something was on your CR it was on there for a few years

 

I also owe tmobile $900 from my ex girlfriend. They agreed over the phone to do a PFD. I won’t take their word so I plan on sending in a letter and if they accept this its the same thing as it never happening, It will be completely removed?

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