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w20dy

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  1. No... but thanks to u I have lol. Thanks Breeze! It's a little long winded but I realize it's a transcript from a webinar I assume. Whatever the case I went thru all 60 sum odd pages. It's so much valuable information in here. I'll Def be using it as a reference point.
  2. Thanks a billion for this gem! I'm just now figuring out how to respond to specific posts lol. But I'll definitely be following your advice. Don't want to give them any more wiggle room than they already have.
  3. Thanks for that insight. I'll definitely put a hold on any filing.
  4. w20dy

    Lexington Law

    I'm glad to be here as well. I seen someone asking about them so I decided to tell people my experience and why I'm here. They can extrapolate what they wish lol.
  5. w20dy

    Lexington Law

    I used Lexington law earlier this year; as the did remove a few items from my credit report the system which they use is flawed. They order your EX, report, and they show u the CA or OC and the amount owed. Then they ask how you would like to challenge, whether it be "not mine" or otherwise. The rep I spoke with almost insisted I used "not mine" as it was most common and harder to prove other wise. This legally puts you in a pickle from what I've been reading since joining CB. Now, I mentioned above they only show you the name of the CA or OC and the amount owed for one specific reason. You have no way of knowing what type of account it is. For example thru them I disputed my OC Metabank/GLSSL as "not mine" based on the fact I didn't know who the heck they were. I'm assuming after seeing some sample letters used by LL that is the desired effect. There is a certain lack of full disclosure that should shy anyone away from them. Now that I'm looking at my reports on my own I can see exactly who/ or what I'm disputing. Which makes for a better attack plan if you ask me. Now that I think of it, in one case with LL I received a proof letter..... Anyways; another problem with using LL or other CRAs is that you aren't paying attention to what's on your credit; which I believe; makes good practice in MONITORING ones credit. For instance after LL got my credit score to about 680 I decided I was done with them and I could smooth sail my way into the 700s. WRONG. Since I wasn't monitoring my credit I had no clue my student loans (which are ALL thru Nelnet) were Being reported as 7 different loans. They were reported in two separate months. In addition to what ever else was on there. Had I known that before hand I would have looked into consolidation of my loans sooner. Needless to say that reversed whatever "hard work" done by LL, which led me to call them again. This time they wanted more money to start back up and I decided to start researching how to DIY. Now that I know they aren't doing anything I cannot do myself; I'm confident in my telling anyone inquiring about LL it's a horrible waste of money.
  6. w20dy

    Medical Bills

    So one of the negatives on my report is a medical expense. Another a medical loan via Citi Bank Health. How would one contest these ethically? I'm currently reading a transcript and I seen it mention HIPPA; however I'm taking my time reading and HIPPA won't be covered for a few chapters. Besides... there is more than one way to skin a cat right?
  7. Crap. I got the annual free ones. .... thanks for the input. I'm guessing there is no way to reverse that.
  8. I'm new to learning how to repair my credit. After paying Lexington Law and seeing an improvement turn into a swan dive almost overnight I've decided to stop being lazy and take a closer look into my own credit. Any Gems any of you seasoned vets have, any links, any vital information you feel you couldn't have made it w/o; please leave it here. I have a very open ear to all the fascinating information I'm sure to receive from all.

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