Your Questions About Credit Repair Reviews
John asks…
Those of you who have used Lexington Law credit repair services, how did it work out?
I’d like to know of anyone who has actually used Lexington Law credit repair and of their experience. I’ve gotten mixed reviews on the company, so I’d like to hear from some actual users. Was it successful? How long did it take? Any problems? How was their communication/customer service? Do you get to talk to a real lawyer ever?
Joe answers:
I used this company. I was with them about six months. To tell you the truth i did not see any different on my credit report. I spoke with a worker in the office when i signed up. I did not recieve any information in the mail , and i wasnt called to let me know if ther were any changes on my credit report. You have to have a checking accout so that they can take it out of your acccount every month. No coummuication at all with this company. I would not use this company again.
Betty asks…
Credit Repair – Credit Cards – Does the type of card make a difference?
I found a huge credit card directory… Does the credit card you apply for make a difference on your credit report?
If I apply for a poor credit credit card – http://www.affiliatetier.com/credit_repair/credit_cards.php – Would this effect my credit report?
If I apply for a really great credit card like American Express Blue: http://www.affiliatetier.com/credit_repair/credit_cards.php?review=23 – Would this look good on my credit report if I am approved? And would this look really bad on my report if I am denied compared to a poor credit credit card?
I have been reviewing all the credit cards: http://www.affiliatetier.com/credit_repair/credit_cards.php & found http://www.affiliatetier.com/credit_repair/credit_cards.php?review=23 to have an overall rating and benefit rating as the highest so far… I am scared to apply if I get turned down and it shows on my credit report as being turned down by a GOOD credit card…
Joe answers:
Your credit report and score doesn’t care if you have prime or subprime cards. But, if you have a subprime card on your reports (like Aspire) and try applying for a prime, the prime company may notice. (That doesn’t necessarily mean getting denied with a prime company though. But it might(?) mean a lower limit or higher scores)
As for applying “through” that site you’ve listed, I wouldn’t recommend it. Always go to the home site of the credit card you are applying for. Don’t trust putting your sensitive info on any application through a site like the one you listed.
I’m not saying that particular site is bad, I don’t know, but I do know that people have had their ID’s stolen by going through similar sites when applying.
As for the Amex Blue, it is hard to get unless you have pretty good credit. Most Amex cards are hard to get without a good credit history, but Blue is one of the harder ones.
Since you didn’t list your scores or your baddies on your reports you might go to the link I’ve provided. Click on forums then look at the upper right corner for CreditPulls.
You can put your score (or a few points higher score) and click on the search button. When the results come up, click on score and it will sort it from the highest to lowest scores. It will list many different things – what card it is, if the person was approved or not. How much the credit line is. Many times it will say what baddies were on the peoples reports at the time of applying. And much more.
After looking through that, you might look through the credit forum. Do searches on the card you are thinking about and then read of others experiences when applying etc.
You might also learn how to deal with any baddies on your reports if you have any.
Robert asks…
Has anyone ever tried Lexington Law for credit repair?
I have read mixed results for this company some good some bad, I’ve done my research on the internet. However you never know who is posting these reviews the company itself or the competition. Please answer only if you have used this company or know of someone who has.
Joe answers:
Accurate negative info stays on your credit report for 7 years from the initial date of default. “Credit repair” firms have no special power to go into your credit report and zap out all the negative info. All they do is dispute (and re-dispute) every negative item on your credit report and hope that the credit bureaus cannot validate the info. If the credit credit bureaus cannot validate the items in 30 days, then they are obligated to remove the items completely from your credit report. In essence, getting the negative info removed on a technicality
* If you have unpaid debts and the “credit repair” firm starts bombarding the collection agency with dispute letters, they might get mad and try to come after you again for the debt again.
* Chances are fairly high that accurate negative info will just get validated as accurate and it will stay on your credit report Even if the tactic works and the credit bureaus remove some negative items, they might come right back on your credit report in a later update
I have more info on credit repair at http://catdadsblog.wordpress.com/credit-repair/
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