Re: Linda
[ Follow Ups ] [ Post Followup ] [ Credit Forum Index ]
Posted by Linda on February 09, 2002 at 21:56:16:
In Reply to: Linda posted by Brad Tefft on February 09, 2002 at 15:57:31:
OK, first of all, Lexington is not a scam, they are legit, if you want to use them. They abide by the new rules for credit repair organizations. They have different deals depending on what you want done, and what you want to do yourself. You can cancel anytime. Stay away from Junum, they are having big time troubles. They were good at one time. To do it yourself, you have to be creative without telling any lies. Most people who get these major items deleted do it by disputing some minor detail that really is not accurate, such as an amount, or a date, not the entire entry. And they are really just lucky. If you write letter after letter of legal-sounding stuff to CRA's they know what you are doing, and throw up a brick wall. Begin by subscribing to the services they offer online. Then you are a paying customer, you get their fax numbers and an 800 number where you don't have to wait all day to talk to someone who is going to tell you the wrong thing anyway, and has a bad attitude to begin with. Then start with the oldest entry that says "included in bankruptcy." Find something about it that you can honestly say isn't accurate. Then write a plain old "uneducated" simple letter that says something like "how can you say this? it's not right." Or you can just use the form that they have online - print out each item you dispute so you can track it. Don't sound like a smart aleck or a knowledgable consumer. Sound like some average, blue-collar Joe who just checked his credit report and was shocked to find something on there that wasn't accurate. These are the letters that seem to work, and it is exactly what Lexington and the other credit repair companies do. Remember that the person reading your dispute is paid $7.50 an hour and must do 10 dispute investigations per hour to keep their job. They respond to someone who thinks like they do. I agree with WC, if there are items you should have included in your bk and didn't don't stir up trouble for youself. Christine, who owns the bayhouse website give good advice for post bk cleanup, and she also hires herself out as a consultant now, I believe. Her personality is a bit abrasive, but she knows her stuff, if you want to try out her advice. Hope this helps, Linda
Follow Ups:
Post a Followup
|
