Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Report
Profile Image

Question By
Vetteracerdale

0 Contributions
0 People Helped
Is Lexington Law a good company?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
1643 Contributions
1886 People Helped

Helpful to 1 out of 1 people

I can't speak on how effect they are, but keep some things in mind when you are looking for a "credit repair" companies...

-

1). If that particular company charges you a monthly fees for their services, ask yourself, would it be in their best interest to clear up something in 2 months or drag it out as long as they can?

-

2). In majority of the cases, they can't do any more than you can, which is disputing it on your behalf. 

-

3). The most important part. When a debt is no longer on your credit report? it doesn't discharge that debt, the debt don't just disappear into thin air or dissolves on its own, it certainly won't resolve the issue(s) you might have with the original Creditors or the current debt owner, because your liability/responsibility to a unpaid debt isn't dependent on if it's on your credit report or not. Any legitimate debt/account can always be included on your credit report, at any time during the 7 years reportable period, much longer for unpaid tax liens and certain types of Student loans, meaning that just because it was removed? It dose not automatically means it will stay gone.

Top Contributor
1282 Contributions
372 People Helped

I used them ten years ago, with good results.

A lot has changed where you can file direct dispute, and there are more options to do it yourself now.  My creditors refused to lower my interest rates at 29% and 39%. I could never get ahead. Lexington Law was able to get my interest rates down to 4% and 6%, where I was finally able to repay my debt

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.