• Report: #1047009

Complaint Review: lexington law

  • Submitted: Mon, April 29, 2013
  • Updated: Mon, April 29, 2013

  • Reported By: Kgalinski — chesterton Indiana
lexington law
360 North Cutler Dr., North Salt Lake, Utah United States of America

lexington law http://www.lexingtonlaw.com/ this comany lexington law was to abtain my credit repots and help fix my credit score they then over drafted my account by 119.00 when i agreed to 12.99 well in thier small print after you seond the North Salt Lake,, Utah

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look at what they bill after you agree to the 12.00 to obtain your credit reports

they bill my card with $0 in my account 119.00 and i quicky put a stop to it or this is what they would of kept billing me!

DISCLOSURE STATEMENT

Consumer Credit File Rights Under State and Federal Law

You have a right to
dispute inaccurate information in your credit report by contacting the
credit bureau directly. However, neither you nor any "credit repair"
company or credit repair organization has the right to have accurate,
current, and verifiable information removed from your credit report. The
credit bureau must remove accurate, negative information from your
report only if it is over 7 years old. Bankruptcy information can be
reported for 10 years.



You have a right to obtain a copy of your credit report from a credit
bureau. You may be charged a reasonable fee. There is no fee, however,
if you have been turned down for credit, employment, insurance, or a
rental dwelling because of information in your credit report within the
preceding 60 days. The credit bureau must provide someone to help you
interpret the information in your credit file. You are entitled to
receive a free copy of your credit report if you are unemployed and
intend to apply for employment in the next 60 days, if you are a
recipient of public welfare assistance, or if you have reason to believe
that there is inaccurate information in your credit report due to
fraud.



You have a right to sue a credit repair organization that violates the
Credit Repair Organization Act. This law prohibits deceptive practices
by credit repair organizations.



You have the right to cancel your contract with any credit repair
organization for any reason within 3 business days from the date you
signed it



Credit bureaus are
required to follow reasonable procedures to ensure that the information
they report is accurate. However, mistakes may occur.



You may, on your own, notify a credit bureau in writing that you
dispute the accuracy of information in your credit file. The credit
bureau must then reinvestigate and modify or remove inaccurate or
incomplete information. The credit bureau may not charge any fee for
this service. Any pertinent information and copies of all documents you
have concerning an error should be given to the credit bureau.



If the credit bureau's reinvestigation does not resolve the dispute to
your satisfaction, you may send a brief statement to the credit bureau,
to be kept in your file, explaining why you think the record is
inaccurate. The credit bureau must include a summary of your statement
about disputed information with any report it issues about you.



The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:



     The Public Reference Branch

     Federal Trade Commission

     Washington, D.C. 20580



I acknowledge that I have received and have had an opportunity to review a copy of the above written statement.



__________________________
Name


__________________________
Date






- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -





ENGAGEMENT AGREEMENT AND LIMITED DESIGNATION OF AGENCY



Thank you for hiring John C. Heath, Attorney at Law, PLLC d/b/a
Lexington Law Firm, 360 North Cutler Drive, North Salt Lake, Utah 84054
(Lexington) to represent you. This Engagement Agreement and Limited
Designation of Agency (Contract) is made in the state of Utah and
constitutes the complete understanding between you and Lexington (the
Representation).



I. DEFINITIONS

 

A. Bureaus. The term Bureaus shall mean, collectively or individually, the major credit bureaus (TransUnion, Equifax, and Experian).

 

B. Communications. The term Communications shall mean written
or electronic communications to Bureaus and/or Furnishers.
Communications will be sent in accordance with your instructions and
information as well as with Lexingtons analysis of your credit reports.

 

C. Content. The term Content shall mean Lexingtons works of
authorships, including but not limited to its registered marks,
copyrighted material, any revisions, modifications and enhancements
thereto, and any trade dress.

 

D. Furnishers. The term Furnishers shall mean one or more
credit report information furnishers (for example, creditors, debt
collectors, and banks).

 

E. Service Interval. The term Service Interval shall mean 5-15 days after the date of this Contract, and monthly thereafter.

 

F. Websites. The term Websites shall mean the websites located at www.lexingtonlaw.com and clients.lexingtonlaw.com, and such other sites as Lexington may choose to operate in connection with the Representation.

 

II. SERVICES AND REPRESENTATION



You are engaging the Concord service level (described below) as of the
date of this Contract. You may change your service level at any time
simply by contacting Lexington. In the event you change your service
level, all terms and conditions of this Contract will apply to your
chosen service level.

 

Lexington performs one or more of the following services before you pay:
enters your personal data and one or more credit reports into its
secure database; provides you with a login to access your case online
and to access certain informative content Lexington offers its clients;
collects information and instructions from you regarding your particular
circumstances and how you wish to proceed; analyzes your case; and
prepares and sends one or more Communications on your behalf.

 

Subsequently, Lexington typically performs one or more of the following
ongoing and periodic services as appropriate in its judgment and
discretion: receives and reviews Bureau and Furnisher correspondence
sent to us directly or by you; collects and reviews updated information
and instructions from you regarding your circumstances, goals, and case;
monitors and analyzes your case; provides you with status updates
regarding your case; and prepares and sends one or more additional
Communications on your behalf.

 

Lexington cannot guarantee and you are not paying for a particular
credit report outcome or result; you are paying only for Lexingtons
efforts on your behalf. The Bureaus or Furnishers may not respond to
initial or subsequent Communications and ultimately may decide not to
remove items from your consumer credit files despite Lexingtons
efforts.

 

Lexingtons Representation is designed to assist you in your efforts to
ensure that your credit reports fairly and accurately reflect your
credit history, and to provide you with valuable guidance as you
continue to manage your credit. In order to meet your precise needs,
Lexington offers the following three credit repair service levels, along
with two aftercare service levels that may assist you in your efforts
to stay on track. Regardless of the service level, Lexington uses its
judgment and discretion to determine the content, number and frequency
of the Communications. This Contract is only for the services listed in
the paragraph below related to your chosen service level and does not
include pre-litigation or litigation services.

 

A. CREDIT REPAIR SERVICE LEVELS

 

Lexington Regular. The Lexington Regular service level will
assist you in requesting that Bureaus demonstrate their compliance with
various laws governing fair, accurate and substantiated consumer credit
reporting. Based upon its analysis of your credit reports and the
information and instructions you provide, Lexington will prepare and
send Communications to Bureaus on your behalf and in your name to verify
and/or challenge the accuracy of your credit reports. Language within
this Contract related to Furnishers will not apply to the Lexington
Regular service level.

 

Past clients who engaged the Lexington Regular service level for the
following example number(s) of specified Service Intervals have had the
following average number of Communications sent to Bureaus: (a) 1
Service Interval 2 to 3 Communications; (b) 2 Service Intervals 4 to
6 Communications; (c) 4 Service Intervals 8 to 12 Communications; (d)
6 Service Intervals 12 to 18 Communications; (e) 8 Service Intervals
16 to 24 Communications; (f) 10 Service Intervals 20 to 30
Communications; (g) 12 Service Intervals 24 to 36 Communications.

 

Concord Standard. The
Concord Standard service level will, in addition to all services
provided under the Lexington Regular service level, assist you in
requesting that Furnishers demonstrate their compliance with various
laws governing fair, accurate, and substantiated consumer credit
reporting. Based upon its analysis of your credit reports and the
information and instructions you provide, Lexington will also prepare
and send up to three Communications to Furnishers during a Service
Interval on your behalf and in your name to verify and/or challenge the
accuracy of your credit reports.

 

Concord Premier. The Concord
Premier service level will, in addition to all services provided under
the Concord Standard service level, provide personalized analyses of
factors impacting credit scoring. Lexington will provide at least one
credit score improvement analysis during a Service Interval.

 

Past clients who engaged the Concord Standard service level or Concord
Premier service level for the following example number(s) of specified
Service Intervals have had the following average number of
Communications sent to Bureaus and Furnishers: (a) 1 Service Interval 4
to 6 Communications; (b) 2 Service Intervals 8 to 12 Communications;
(c) 4 Service Intervals 16 to 24 Communications; (d) 6 Service
Intervals 24 to 36 Communications; (e) 8 Service Intervals 32 to 48
Communications; (f) 10 Service Intervals 40 to 60 Communications; (g)
12 Service Intervals 48 to 72 Communications.



B. AFTERCARE SERVICE LEVELS

 

Maintenance Pro. The Maintenance Pro service level is designed
for clients with few remaining credit report items requiring Lexingtons
attention. This service level will provide the same services as Concord
Premier; however, the Communications sent on your behalf and in your
name will be performed less frequently: Lexington will send up to one
Communication to Furnishers during a Service Interval, and up to three
Communications to Bureaus every fourth Service Interval for which you
engage Lexingtons services. Lexington will also provide one to three
credit score improvement analyses every fourth Service Interval for
which you engage Lexingtons services.

 

Past clients who engaged the Maintenance Pro service level for the
following example number(s) of specified Service Intervals have had the
following average number of Communications sent to Bureaus and
Furnishers: (a) 1 Service Interval 1 to 2 Communications; (b) 2
Service Intervals 2 to 4 Communications; (c) 4 Service Intervals 4
to 8 Communications; (d) 6 Service Intervals 6 to 12 Communications;
(e) 8 Service Intervals 8 to 16 Communications; (f) 10 Service
Intervals 10 to 20 Communications; (g) 12 Service Intervals 12 to 24
Communications.

 

ReportWatch. The ReportWatch
service level is designed for clients who have achieved their primary
credit repair goals but would continue to benefit from longer-term
credit report and score monitoring and analysis. This service level will
provide regular notifications as well as personalized coaching
regarding factors underlying credit scoring. Language within this
Contract related to Communications, Bureaus and Furnishers will not
apply to the ReportWatch service level.

 

III. PAYMENT AND FEES



Lexington never charges before any services are fully performed. Fees
are collected on a periodic basis, but only for services previously
provided. Because fees are charged after rendering services, fees are
generally not refundable.

 

A Service Interval fee is charged five to fifteen days from the date of
this Contract as follows: $99.95 for Lexington Regular, Concord
Standard, and Concord Premier service levels; $0 for Maintenance Pro; or
$12.95 for ReportWatch. This fee will be charged after related services
have been fully rendered.

 

When you elect to continue additional Service Interval(s) at a selected
service level, you will be charged the following at the end of each
Service Interval, for work previously and fully rendered: $59.95 for
Lexington Regular; $79.95 for Concord Standard; $99.95 for Concord
Premier; $24.95 for Maintenance Pro; or $12.95 for ReportWatch. Charges
will be processed on or about the same day of each month for each
Service Interval(s) until you elect to suspend or cancel service. For
example, if a fee for services was charged on the seventh of the month
and you choose to continue for another Service Interval, the fee for
that Service Interval will be charged on or about the seventh of the
next month for work previously and fully rendered. (The specific day of
the month may vary slightly due to weekends and holidays.) Depending on
which payment method you have selected, fees will either be charged to
your credit or debit card or drafted from your bank account.



When you engage the Lexington Regular, Concord Standard, or Concord
Premier service levels, you agree to pay a late fee of $19.95 when
payment for Lexingtons Representation is not honored upon first
presentment by Lexington to your credit or debit card company or bank.
When you engage the Maintenance Pro service level, you agree to pay a
late fee of $5.00 when payment for Lexingtons Representation is not
honored upon first presentment by Lexington to your credit or debit card
company or bank. You authorize Lexington to substitute additional
payment methods provided by you in the event any fee or charge
authorized by this Contract is not honored upon first presentment by
Lexington. You grant Lexington permission to withdraw any fee or charge
authorized by this Contract from your credit or debit card or bank
account and to verify your account information.

 

While the amount of work performed may vary from Service Interval to
Service Interval, your monthly fee for additionally elected Service
Intervals will remain the same and will be collected only for services
previously and completely rendered.



Typically, past clients who have engaged the Lexington Regular service
level for the following example number(s) of specified Service Intervals
have paid Lexington the following total amounts: (a) 1 Service Interval
$99.95; (b) 2 Service Intervals $159.90; (c) 4 Service Intervals
$279.80; (d) 6 Service Intervals $399.70; (e) 8 Service Intervals
$519.60; (f) 10 Service Intervals $639.50; (g) 12 Service Intervals
$759.40.

 

Typically, past clients who have engaged the Concord Standard service
level for the following example number(s) of specified Service Intervals
have paid Lexington the following total amounts: (a) 1 Service Interval
$99.95; (b) 2 Service Intervals $179.90; (c) 4 Service Intervals
$339.80; (d) 6 Service Intervals $499.70; (e) 8 Service Intervals
$659.60; (f) 10 Service Intervals $819.50; (g) 12 Service Intervals
$979.40.

 

Typically, past clients who have engaged the Concord Premier service
level for the following example number(s) of specified Service Intervals
have paid Lexington the following total amounts: (a) 1 Service Interval
$99.95; (b) 2 Service Intervals $199.90; (c) 4 Service Intervals
$399.80; (d) 6 Service Intervals $599.70; (e) 8 Service Intervals
$799.60; (f) 10 Service Intervals $999.50; (g) 12 Service Intervals
$1199.40.

 

Typically, past clients who have engaged the Maintenance Pro service
level for the following example number(s) of specified Service Intervals
have paid Lexington the following total amounts: (a) 1 Service Interval
$0.00; (b) 2 Service Intervals $24.95; (c) 4 Service Intervals
$74.85; (d) 6 Service Intervals $124.75; (e) 8 Service Intervals
$174.65; (f) 10 Service Intervals $224.55; (g) 12 Service Intervals
$274.45.

 

Typically, past clients who have engaged the ReportWatch service level
for the following example number(s) of specified Service Intervals have
paid Lexington the following total amounts: (a) 1 Service Interval
$12.95; (b) 2 Service Intervals $25.90; (c) 4 Service Intervals
$51.80; (d) 6 Service Intervals $77.70; (e) 8 Service Intervals
$103.60; (f) 10 Service Intervals $129.50; (g) 12 Service Intervals
$155.40.

This report was posted on Ripoff Report on 04/29/2013 10:04 AM and is a permanent record located here: http://www.ripoffreport.com/r/lexington-law/North-Salt-Lake-Utah-84054/lexington-law-httpwwwlexingtonlawcom-this-comany-lexington-law-was-to-abtain-my-cre-1047009. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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