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Credit Help+Sites like Lexington Law Question legit?
Posted on 4/30/14 at 5:30 pm
Posted on 4/30/14 at 5:30 pm
Been working on my credit for close to a year now. Opened a secure CC and have utilized it perfectly and always made on time in full payments but my credit has only gone up 19 points in that time. While other friends with similar cards have gone up more. Credit is still pretty lousy but working on it. Saw the Lexington Law on Credit Karma and its supposed to help you get things taken off that should be by now and help fix credit. Just a rip off or anything to them? Or do you have any other tips to help fix credit?
4
Posted on 4/30/14 at 5:45 pm to NewTeezy
quote:
Just a rip off
The truth is that you can destroy a credit history in a very short time but it takes a long time to heal.
Look at companies like Merrick Bank or Capital One and try to get a real credit card from them with a low limit. You need more trade lines to get your score up. Good luck to you and be patient.
Posted on 4/30/14 at 10:27 pm to NewTeezy
They can help you, but it is nothing you can't do yourself.
Posted on 5/1/14 at 1:08 pm to NewTeezy
I was in a similar situation as you and thought about using Lexington Law but decided against it. They do things that you can do yourself but charge a shitload of money for it. Go to MyFico.com and read up on their "Rebuilding Your Credit" forum. Even post about your problems and people will chime in with excellent advice. You will learn about "goodwill letters" and "pay for deletes" which can help your credit greatly. They also have a lot of information about how long derogatory marks stay on your credit report. Basically, though, if these marks are over 7 years old, they should have been removed already. They can still send you collection letters and sue you until the statute of limitations is up but they MUST remove the marks after 7 years or they're in violation of the Fair Trade Agreement. The advice from there has helped me tremendously and I'm in MUCH better shape now than I was 2 years ago. I have obtained a new mortgage, got good rates on auto loans, personal loans and credit cards. Good luck.
Posted on 5/1/14 at 4:18 pm to NewTeezy
you are gonna get the answers "its a rip off" and "do it yourself" here, but theses services can be of efficient and effective if you aren't going to realistically write and fight with the credit bureaus. I'd look at sky blue over lexington. They seem to be much more upfront about their billing and lexington is known to be effective but pull some shady billing practices. Like someone said they can't do anything special that you can't; however, they will bombard the bureaus with letters until they delete or dont respond. Not uncommon for people to raise scores 50-100pts.
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