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…

Delete Maiden Name?

Oct 212010
 

I read somewhere that you could have your maiden name completely deleted from your CRs and it will improve your CS. Is there any truth to this? Ladies, have anyone of you ever had this done? If so, what has been your experience with this?

GW letter for removal from RJM – critique, pls!

Sep 262010
 
Hi again!
I’m planning on sending this letter to RJM.  Back in 12/09, they offered me a payment plan to pay off a $900+ debt to Wachovia, and this was before I knew anything about PFD, so I jumped at it.  I made the last payment in late July of this year.  The last few months, I’ve been scouring the MyFico boards, and finally got enough “oompf” to go ahead and write the letter.  I am thinking about enclosing the “satisfied in full” letter they sent me along with my letter, just to make it easier for them.  Please be honest, what do you think of all this?
Dear Sir/Madam,
I began working with your company in December 2009 to pay off my debt to Wachovia.  Your representatives were alway professional and friendly, and answered any questions I had.  I very much enjoyed my experience with your company. 
 
I am writing to see if you would be willing to make a “goodwill” adjustment to your reporting to the three credit agencies.  Since I have satisifactorily completed the repayment process (and the receipt is included in this email),  I would like you to consider stop reporting to the three major credit reporting agencies.    I hope that RJM is willing to work with me on erasing this from my credit reports.
 
We are about to shop for a new car, and it has come to my attention that the late notations from this account may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with you or Wachovia, I am requesting that you give me a second chance at a positive credit rating by removing those tradelines.
 
Thank you very much for your time and consideration.
 
Sincerely,
me

How realistic are the "steps to improve your credit" tips on the credit reports?

Aug 182010
 

According to the most recent copies of my credit reports (obtained on this site), if I do “such and so” over the next three months, my fico score will increase from 50 to 75 points.  Is this even feasible?  If it sounds too good to be true, it usually is, and I don’t want to buy the Brooklyn Bridge and get my hopes up if this is all rubbish.  What has been your experience?

Related Blogs

Sending Out GW letters for me and my DH – Just wanted someone to look at them

Jun 302010
 

Regarding: Account No. Mod Cut!

A GW letter sent to a creditor to remove a CO

May 262010
 

This a GW I sent to WFCB/Blair asking them to delete a derog from my credit report. This account went into collection in 2005 and I paid it full in August 2008. I asked them to remove the neg from my three reports. I just mailed it today and hope for a positive resolution within a month or so. I will the group know the result when it happens.

 

Michael C
1430 ****** **
City, NC *****-****

May 26, 2010

WFCB/Blair Catalog
Credit Department
PO Box 29239
Shawnee Mission, KS 66201-9239

To whom it may concern:

I have been an Blair name customer since 2005 and during that time, I have enjoyed my experience with Blair greatly. I am writing to see if you would be willing to make a “goodwill” adjustment to your reporting to the three credit agencies. My Blair account went into collection after I experienced some personal difficulties back then. I became diabetic, was in and out of the hospital and lost my job. Since that time I have learned to control my diabetes and I am now back on my feet.

I paid my Blair account in full August 2008 and I am still a very satisfied Blair customer. My three credit reports are excellent, without a blemish, except for the 5-year-old charge-off account from Blair. Because I am in the process of buying a home, I would like you to consider removing the negative account from my credit reports. Because of my illness, the missed payments are not a good indicator of my actual credit worthiness. I hope that Blair is willing to work with me on erasing this mark from my credit reports.

I have been a very happy customer in the past and hope to continue a long relationship with Blair. With today’s credit industry so competitive, I know how important it is to maintain good relationships with customers. Blair has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Blair is heads above the rest. I look forward to your reply.

Sincerely,

Michael C
SSN: ***-**-***
DOB: **/**/19**
Blair Acct. # *********….

 

 

Have anyone had any experience with Blair? They are an online men’s clothing site which also sends out a catalog. My three cr’s are perfect ecept for two charge offs from 2005 that were paid in full. The amounts were ridiculously low, just $83 and $179. I didn’t think about asking for a PFD back then. By the way, everything said in the letter is true. I have been an insulin-dependent diabetic since 1991.

RJM Acquisitions LLC (Need EMAIL address) PLEASE

Apr 262010
 

I would like to email RJM Acquisitions LLC a PFD letter.

However, I am in desperate need of an email address for this company.

Would someone be so kind to email me an address for this company, If possible I would like to contact them

via email, I am anxious to get this off my credit report.

 

If you have dealt with this company what has been your experience.

I am wondering what would be the sufficient amount to offer them.

I originally owed Compass Bank $750.00 however, now with interest and fees they are stating that my balance due

is $1110.54

 

Thanks in advance for your help:smileywink:

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