Believe me, I’m going to lay it all out for you here as to whether this was just some crusty old boloney sandwich or if it really delivered the credit fix I needed. Ok, let’s dive in and pick this thing apart and find out if my money (and yours too) was and will be well spent. The Lexington Law Firm, Credit Repair Service - Review Lexington Law Firm has a 4 step process once you signup which can present some confusion if you don’t pay attention to the process and what you are REALLY required to do to begin disputing items on your credit report. The Fair Credit Reporting Act: (FCRA) One of the first things I did was attempt to read the FCRA put out by the government with the intention to help protect consumers from unfair credit reporting practices. Believe me when I say, it’s not easy to read – but what I DID take away from it is this simple fact that supports the claims of Lexington Law Firm; “the law states clearly that a consumer can dispute ANY item on their credit report and that if the item is found to be inaccurate, incomplete or cannot be verified then it must be removed” It’s really as simple as that. Of course to be honest with you (and I’m speaking from experience) the credit bureaus will do their best to make you go away, and put you off as much as possible. That one fact made it hard for me to get any traction with my own dispute letters, however with a legal firm behind me (even if it was just a paralegal working on my case) the credit bureau was only shooting themselves in the foot by not responding to the Lexington Law Firm dispute requests. I say that because when I had decided to work with Lexington Law Firm they followed up properly to the credit bureaus stalling tactics and gave the whole process more teeth and a harder bite – something I could not have done on my own with form letters. Here’s How The Process At Lexington Law Firm Works; Step One: Forward Your Credit Reports Lexington Law can’t do anything for you unless they have actual copies of all three credit bureau reports. When I say all three I mean a separate report from TransUnion, Experian and Equifax which are all three of the main credit reporting agencies. When you signup with Lexington Law Firm they’ll give you some recommendations on where to get copies of all three bureau reports you’ll need -- so pay attention to that process because without copies of your reports nothing will happen. Once you have the credit bureau reports (remember to get all three) then you’ll want to make yourself a copy and send Lexington Law Firm the “actual” copies via overnight mail (I used FedEx). I spent the extra money to send the documents overnight because I wanted to get started immediately. I had already wasted enough time trying to write my own dispute letters and I wanted some fast results if I was going to get any at all (which you’ll see in a minute). Step Two: Choose Which Items To Dispute What happens after they receive your credit bureau reports is they create an online account for you that lists all negative items and then they’ll email you the login and access information. Be ready for that because I didn’t realize it up front – and I waited a week to log in and verify the information. Watch for their email giving you online access to the negative items on your credit bureau reports. Once you get access, the process is to login and check off the items which you want to dispute. In my case I disputed everything because after reading the FCRA like I stated above I knew that the law was on my side. Be sure to choose all items you want to dispute and Lexington Law Firm will start the dispute process in a very methodical manner. I noticed that they only disputed one thing at a time and that they started with the negative items that would have the most impact on my credit score, such as items that were included on all three reports. I think I read somewhere that if one credit bureau removes a negative item that the rest of them have to follow suite so that makes sense what they were doing. Step Three: Lexington Works Your Case Here’s where I dropped the ball a little bit because it wasn’t clear what I was supposed to do. Not really their fault but mine for not paying attention or thoroughly understanding what I should be doing. Hopefully this review will help you avoid the mistakes I made. Here’s an insider tip: Lexington Law will only dispute one item at a time so when you receive correspondence from the credit bureaus you absolutely must immediately forward those letters directly to your case manager at Lexington Law Firm. The reason for that is this; they can only do their job if you do yours, which is to keep them in the loop. If Lexington Law Firm doesn’t know what the credit bureaus are sending you, they can’t follow the legal process of disputation and removal and protect your rights. I was thinking they were doing all the work and I was just waiting for results – however now I know that if you are going to have success with them you have to IMMEDIATELY send the letters you get from the credit bureaus directly to your case manager the day you get them (again, I used FedEx overnight delivery). Step Four: Watch For Updated Reports At first I noticed that the credit bureaus would send me form letters saying things like “your dispute was rejected and is considered frivolous” and “warnings about using illegal credit repair services” – which after forwarding to my case manager at Lexington Law Firm promptly stopped. Apparently Lexington Law Firm made them realize they were violating my fair credit rights.
What happens next is you’ll start getting updated copies of
your credit bureau reports showing the result of the
disputes, which takes 30-60 days. The credit bureaus will
send you these and you need to immediately forward them to
your Lexington Law case manager. Remember to send the actual
reports and letters and not copies. You can make copies and
keep the copy for yourself but be sure to send the actual
letters to your case manager. As you can see, working with a credit repair firm such as Lexington Law Firm is not a set it and forget it type of process. You absolutely must be involved and understand the process at hand. Here Are My Actual Credit Repair Results:
My credit score increased over 200 points, and the biggest total increase after one deletion was 62 points.
Note: I could have completed the process 6 months or more earlier if I had known what I know now (and what you now know) based on steps one through four shown above saving me about $234, maybe more. In my experience, it’s totally legal and fully within your rights to dispute negative items on your credit bureau reports (by all means read the FCRA like I did if you need to) and remember that if something is inaccurate, incomplete OR cannot be verified it MUST be removed. It’s the law. Period. Will Credit Repair With Lexington Law Work For Everyone? The majority of people starting out with Lexington Law Firm will probably make the same mistakes I made, and spend more money than they need to simply because the process does take effort and more importantly action. However, if you’ve read this far you already know all of the pitfalls and where you can almost certainly do better than I did – simply by avoiding my mistakes. Do it wrong and you could lose hundreds of dollars in no time flat if you don’t pay attention. Which is why I’ve created the ultimate one time bonus for the people who signup for Lexington Law firm from the link below. Exclusive Product Bonus- You Can't Get This Anywhere Else Because by experience I know that time is money with this service, I’ll give you the exact online resource I found that literally cut the time in half for me and gave me a leg up on getting my credit bureau “changes” in real time. Instead of waiting for letters in the mail, I ended up finding a service that would notify me immediately when a change had occurred on my credit reports (all three) and also allowed me to print the info so I could immediately send it off to my case manager for immediate updates. In fact, this exact same service allowed me to get the copies of my credit reports which I needed to begin with and it will allow you to accomplish two things in one – getting copies of all three credit bureau reports AND immediate access to changes made on those reports so you can notify your case manager and move on in the dispute process in half the time it normally takes. This bonus really is the magic bullet if you need to get your credit repair handled quickly!
Plus, I’ll detail all of the important steps to follow with a free step-by-step online video! But don't just take my word for it. Hear what others have said about this incredibly valuable addition:
In fact, I’m getting ready to write an entire book on the credit repair process and I’ll be adding this bonus information directly to the book and selling it for $67 or more – so I can’t be giving it away here for long, especially for free like I am now. When my book launches, this bonus goes away forever. That’s why I’ve decided that only the next 27 people to order through this link will get a copy. In fact I may not even let that many copies circulate. I reserve the right to pull this offer forever at anytime with no warning. How To Claim Your Bonus To Claim your Exclusive Product bonus, you must
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