Does Lexington Law Really Work For My Credit Report?

[**I <3 Him**]

I am fixing to sign up for Lexington Law Firm, they are a credit repair agency that gives the credit bureaus 30 days to find out if certain items on my report are deemed unverifiable, which I am thinking is probably likely, because the accounts there are only 3,000.00 worth of stuff that I have not paid for, the accounts are charged off, there are five of them, so they are all between 300.00-600.00, some have been sold and bought from different collection agencies, so do you honestly believe that this will work? And please no b.s., I am asking your opinion, that does not mean if you say no, I still won't do it, anyways, I will choose a best answer. Thanks for your time.

 

[boiler1976]

Even though Lex law writes to the credit bureaus about these past due accounts, the lenders can validate the debt and this does not good for you. The accounts will stay on your credit. The problem that you will run into is that collection agencies will continuously sell your account to new collection agencies if they do not collect. These new collection agencies will then be on your credit reports. It is one continuous viscous cycle. Even if the account gets deleted, it may show up again on your report. Lex Law cannot guarantee that they will stay permanently deleted. I paid a similar business $1300 to do the same for me and it did me absolutely no good. I wish I would have used that money to pay on the debts. If you only have $3000 then it would be worth it to settle the debts. Most collection agencies will take pennies on the dollar for those debts. Your credit is going to suffer regardless. Once those debts are paid your credit can only get better. Good luck!