Lexington Law Total Scam-Save Your Hard Earned Money! Lexington Kentucky Nationwide

Total Scam-Don't Waste Your Money!

Last year I entered into a contract with Lexington Law to help remove 3 items from my credit report all revolving around a short sale and loan modification with Wells Fargo Bank and Bank of America . Prior to these issues my credit score was in the 800's and other than these 3 negative reports all my other credit was perfect and had never been a problem. I explained this clearly to Lexington Law and only entered into a contract with them after extensive discussion on two separate occasions with their sales counselors who convinced me that there was a pretty good chance they get get them removed from my report. They explained that they looked for loopholes where the debtor may not have followed Federal procedures requiring them to remove the negative report. Given that my issues were with two of our largest banks who had already been found guilty in many mortgage related issues I felt that I might have a chance.
I initially started on their $99.99 per month plan as they told me I would get more focus and better reporting. Every report I received from them just stated my previously positive credit and the inquiries that that they had sent to the banks on my behalf.

After 4 months I told them that I could not see any progress and did not need to see each month that my already good credit was still good. When I mentioned cancelling my service, the "paralegal" recommended that I go to the $59.99 plan which will still give me the focus on needed on the three issues at hand. This was a different point of view than when I enrolled at the $99 level.
Every month forward I checked in with them and all they could tell me was was they sent x amount of inquiries and asked me to continue sending them responses from the debtors who were just stating the exact same thing in each letter. On one call when I was even more unhappy they agreed to elevate my case to a higher status and send out Certified Letters explaining that the debtors tend to pay more attention when they are Certified. What they dont tell you is that they just write the letter and you need to pay for the costs of getting the letters notarized before they are sent. They are a law firm representing you so I assumed they would do the necessary.

Finally today after receiving the exact same response from Wells Fargo for the third time asking me to "provide a detailed description of the information that I believe is inaccurate", I called LL and asked them why I should continue paying anymore since 8 months of payments had produced zero positive response. The "paralegal" put me on hold and a "supervisor" came on the line and told me that they never guaranteed a result and all they could do is send the letters out. When I explained what I was told in the beginning to convince me to try their system and asked her where they were disputing compliance with Federal procedures she could not answer me and just stated she was sorry that I was not happy and would cancel my contract. After I mentioned that I planned to write a review of my experience she offered to credit back two months of payment.
Lexington Law has each of their customers on a monthly contract and they do enough to have you believe that something positive may come of it. Because it takes time with the back and forth communication they keep you paying each month hoping for a positive outcome. In reviewing any of there positive reviews all you might see are possibly removals of minor issues affecting one's credit score. In the end they have your money for the amount of months you are willing to stick it and you have nothing to show other than a reduction in your bank balance. If they were truly held accountable they might only take on a fraction of the cases they do.