ED Magedson – Founder
Lexington Law Firm360 North Cutler Drive North Salt Lake, Utah United States of America
My frustration may seem small to corporate america or my government, however, it is important to me. I believe that many other individuals could be experiencing the same frustration. At the very least, I am hoping that my story will provide the knowledge for others to make an informed decision when contemplating hiring Lexington Law for their services. In fairness, I do want to make it clear that Lexington Law does not promise or proclaim to be able to 'fix' all credit concerns. In my case, however, the 'sales' rep (or maybe paralegal) that I spoke with prior to signing, was very impressed with my very good credit, and extremely confident that Lexington Law could successfully remove the one negative item from my credit reports. After challenging and disputing the item at least three times on my own, letters, proof, etc., the three credit bureaus would not budge, so I thought it might be worth hiring Lexington Law (LL) for this matter. Granted, my credit was very good, and only one negative item didn't do much to it. I could live with the negative item if it reflected the matter in full, it did not, therefore, I wanted to see what I could do to have it removed. I hired LL. For the first 6 or so months, I trusted that all was being done on my behalf, I didn't question anything as I was aware that a timeframe couldn't be given. Again, in fairness to LL, one of the bureaus did expunge the item... excited, I thought I was in the clear with the other two bureaus and thought complete success was a month or two away. It wasn't until recently and over $450 later that I thought to question what was being done by LL that I couldn't do myself and the fact that I couldn't talk directly to an attorney without a 2-3 day wait (and then I still didn't get a call back). Called the credit bureau on my own to see how I could proceed and was told exactly how to do so by going back to the source - that no matter how many inquiries (from anyone!), by law the item could not be removed. A letter from the source of the item would do it. So... now I question why LL didn't know this (seems fairly simple for a firm that specializes in this area to be aware of). Be aware, too, that if you do hire LL, you will continually speak with a different 'paralegal' - one who looks up your client # and tells you exactly the same thing over and over again... they are doing their job by mailing out dispute letters on your behalf and that's all they can do. They just have to keep questioning it and eventually the bureaus might drop it (it costs the bureaus money to research each time...) For the monthly fee, I did and could have kept sending monthly dispute letters. It came down to it that I paid $450+ for one bureau to drop the item. As my representative, I would have at least expected LL to contact the other two bureaus to see what other, if any, options we had. Instead, they gave me the 800# and I called. It took one very nice bureau agent to explain that all I needed to do was get a letter from the initial party (who placed the negative item on my credit report) to send a specific letter have the item removed. Expensive lesson learned on my part, but not the end of the world. I hope that this helps you when contacting Lexington Law about their services. If you do chose to hire them, I can tell you that the 'paralegals' couldn't be more pleasant. They can't do much but tell you the same thing over and over again, but they do it very pleasantly! I find that a plus, not worth $450+ worth, but a plus! Good luck and just beware!
This report was posted on Ripoff Report on 12/10/2010 10:12 AM and is a permanent record located here: http://www.ripoffreport.com/reports/lexington-law-firm/north-salt-lake-utah-84054/lexington-law-firm-misleading-and-deceptive-north-salt-lake-utah-670138. 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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