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     | Friday, December 01, 2000 - 02:00 am  Was not 100% on where to post this. See the conversation below for details about my experiences thus far: http://www.bayhouse.com/discus/messages/4/932.html?975013765 I signed up for Lexington on November 9, 2000. I received a couple of phone calls telling me what they were doing for me. I received a copy of my merged report they ordered for me yesterday in the mail on November 30, 2000. It came from another company, not the law firm. It included two copies of the reports one in an envelope addressed to the law firm and another for myself. It was the best possible report they could have ordered. It was amazing how many accounts with deragatory information were using the wrong dates! This was never clear on the report that I get from the bureaus directly. I think I took a inquiry hit getting the merged report but it was probably worth it to see the real thing. Of course no scores were on the report but it is still better than what I had before. I will update the board with more information as the clean-up progresses.
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| | Friday, December 01, 2000 - 03:52 am I'm in the same boat Patricia, except Im using the Law Offices of Jack Schrold. In the past 90 days, I've gotten 6 derogatory items deleted and 1 item changed from negative to positive on my credit report. One thing I've noticed though: Trans Union seems the most thorough with their investigations, where Experian seems the "laziest". Here's one of my bad experiences with Experian...about 2 years ago, I wrote a letter to a collection agency regarding an account they were showing on my report. They wrote back sayng that they could not find my account, which means that they also couldnt verify the debt. I sent copies of the letter I wrote, along with the reply from the collection agency to Experian, asking that the item be deleted from my credit report. A few weeks later, I got a letter from Experian stating that the debt had been validated by the collection agency, and the debt would remain. Now, how on Gods green earth could that happen??? Items that have been deleted from TU and Equifax, still appear on my Experian report. I brought this to the attention of the Law Office so they could home in on Experian. I have yet to receive any new reports, but I should be getting them soon as the 30 day cycle is almost up.
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| | Friday, December 01, 2000 - 05:39 am I am posting this only because you are a client of his. If your service was great and you were happy then great otherwise, there is a case if you are seeking relief. I believe part of the settlement was that clients do not have to pay him any further. Jack Schrold was just sued by the FTC. He was found guilty of unlawful acts. Case as is: Def: Jack Schrold Department of Justice Filed Action for civil penalties & injunction; CROA & FTCA § 5 US District Court, Ft. Lauderdale, FL http://www.ftc.gov/opa/1998/9803/eraser.htm Just in case you did not know.
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| | Friday, December 01, 2000 - 07:45 am Kristi- Please clear something up here. I clearly paid Lexington before anything was removed (all my disputes are %100 legitimate) as I did for junum.com. They bundle their services as counseling to get around the FTC rules dictating no money is to be collected before work is performed. So how is what those guys are getting sued for different than what junum.com or Lexington does?
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| | Friday, December 01, 2000 - 07:57 am Well alot Patricia. For starters, junum does not charge for the removal until it's removed. The membership fees are for a host of other products like daily loan prequalifications, debt negotiations and financial news. Additionally they are licenced under the CROA and are extremely ethical. I toured their facility and was quite impressed with the operation. They also DO NOT boast claims like 'We can remove anything" something which the FTC claims those prosecuted did. As for Lexington, I don't beleive they are making any false claims and use the fee as a "Retainer". Let's face it, using a law firm you are going to pay more. Whether that law firm makes unethical promises and violated the CROA is to be determined just as it was with th latest crack down. I believe there was substantial evidence of making false statements, collecting fees in advance and toting to be able to remove ACCURATE NEGATIVE INFO. Something I don't beleive Lexington does but that Mr Schrold was accused of doing & doing it alot.. That's just my view anyhow  Kristi
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| | Friday, December 01, 2000 - 08:05 am One more thing too. This is just a rant against the FTC and the bureaus. All of the deragatory information on my credit report has valid, legitimate reasons for its removal from signed agreements from collection agencies agreeing to remove the items to outdated information. MY attempts to write letters have failed even with documentation. Capital One had me reported as a bankruptcy (I have never filed for bankruptcy) with Experian for a full year before it was removed after letters and letters back and forth. So, if a lawyer is able to get these guys to do the right thing, then I say more power to them. The FTC's assertion that they can't do anything you can't do yourself is probably accurate on the face. But my experience with the credit bureaus has been that they do not remove items that have no business on the report with just a letter even with evidence. The fact that happens at all suggests to me that a lawyer is sometimes necessary. Very few attorneys seem to know anything at all about credit and the ones willing to research and find out can't be bothered because there is no money there. This leaves companies like Lexington. That is my assessment and I don't any other way to approach the situation.
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| | Friday, December 01, 2000 - 08:19 am And that is the great thing about America! Choices, Freedom to choose! Yes the FTC totes the "Do it yourself info" and that information should be out there for everyone because many, many do not know. However if you make a personal choice to use a legit service, then that is your right. I just can't stand those few cheezy services that spam and promise absolute lies. That is why it is so important to research before you buy. Even the attorneys who are doing this for us are not signing their names. They sign as you so the bureaus have no idea that they are dealing with a lawyer, the bureaus think it's you! The attorney is simply doing what you are either tired of doing or are not good at doing. They have nothing more at their disposal then you do when it comes to credit repair. Cheers!
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| | Friday, December 01, 2000 - 10:56 am Thanks. I didn't realize they signed my name. I hope it all works out. I will try to keep the board posted so if I do end up getting scammed everyone here will know about it!
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| | Friday, December 01, 2000 - 01:05 pm An update for CreditCriminal- Here's a link to the final disposition in the Jack Schrold case (Stipulated Judgment 3-29-99): http://www.ftc.gov/opa/1999/9904/schrold.htm I wouldn't worry. Sounds like he's getting the job done for you, and under FTC scrutiny, at that. Were the derog's, that he got deleted, factual? regards, dave
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| | Tuesday, December 05, 2000 - 04:51 am Thanks for the info people. So far so good with J. Schrold. I bought a book online for self credit repair, which basically shows you how to write letters to dispute credit inaccuracies. Although the book is very informative, who's got the time to spend to write, and keep track of this stuff?? In some cases, it could be a full time job!
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| | Monday, December 11, 2000 - 05:30 pm I just wanted to say I have also been using Jack Schrold and he is best I have worked with, for $50.00 a month, he has gotten $30,000 off my credit reports and my credit score has since gone up from 507 to 690 as of last month. it has taken about 1 year so far but I am very satisfied and have never had a problem. I also think Lexington is a good company, they all do basicly the same thing. Rob
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