Lexington Law Reviews

I signed up for LL in Feb. By June my credit score HAD raised almost 100 points and I was able to secure an auto loan. However, when we attempted to go for the mortgage, the broker needed all 'masked disputes' (what Lex Law does) off of there. That was troublesome. I had to make many phone calls to deal with that, LL wasn't willing to help with any of that. Credit Karma says my score has gone down substantially, though the mortgage company says its still up there and continuing to move up.

I applied for a 5000 personal loan. After checking a credit score with Credit Karma was put on the line with 3 so called paralegals who didn't know what a thin file was. My sister was also told she had a thin file. She has a 200k home which is paid for. Well my 4 hour ordeal started with the first person who I spoke to at Lexington Law, fast talkers who skip from helping you to getting your social security number to your credit card info. While they were checking me something told me to check them. I was horrified at my findings so I immediately asked to cancel. The 4th paralegal said he would send a cancellation email and hung up on me. I waited on the email and it didn't come.

Almost for 6 months they worked only %19 of my case, & my credit was going down. They did not even bother to send me an email explaining what's happened. They said that they will charge me $59 instead they was charging $99 & when I canceled my account they charged $59 again and they said this is attorney fees!!!!!!!!!

I signed up for credit repair and never received any emails or anything It takes 39 minutes to talk to someone just to get lied to. Trying to cancel and cannot receive conformation of that. Going to have to change my account.

I have a very nice experience with Lexington Law. I have hired them last year in May 2013 and after one month my credit score went up 55 points. After one year my credit score raise up 200 points. Great Company. I am glad that I have found them. Someone said that you can do what they do by yourself, maybe... but in my case I have preferred to hire someone professional because I do not have time to do what they do.

I joined to try to resolve some of my credit issues. I tried to cancel a few times but was always talked out of it. I requested copies of letters they were sending on quite a few occasions and received nothing. Finally I called and canceled only for them to still take the money from my account. Now after getting nothing in the mail or any warning, they reported me to the credit bureau for non-payment. DO NOT USE THEM!!!!! They are crooks!

Worst company I've dealt with. They claim that they are a law firm always looking to help you out which is entirely incorrect. The whole time I worked with them which was for 6 months I've had to remind them several times to do things in order for me to receive better credit. In addition I subscribed to them for 1 reason which was to remove one inquiry. And even after 6 months! they were not able to remove it. I suggest looking into other companies such as Sky Blue, which I am using now or Credit Repair which my wife is using.

Things were great as long as I was allowing the company to withdraw their 99.95 from my account. The minute I called to cancel was the problem. Trying to get a refund from a payment for August 2014. My account has been closed since June 2014. And every other month I am missing $99.95 from my account. I call and I get that this payment is from another account that is not closed. Never talk of a refund. I had to stop all payments on this company. Twice.

They will tell you that their fee is $99.95 a month. However, they will charge you $99.95 for the first few days as a fee for getting your case ready (which they won't tell you), and then they will charge you another $99.95 at the end of the first month. If you cancel your services before the first month payment you will still have to pay that $99.95 (understandable, but still highway robbery), but you will no longer have access to view your case information. They aren't out to help you, they're out to make money off of people who need help repairing their credit. Don't use them! Do it yourself as others have stated.

I first want to thank everyone on this website for talking about their experience. I talked with Lexington Law over the phone about 3-4 times. I think the Rep gave up after I lied about not having enough in my account to sign up for the services. The Rep asked me to post date the time so that they could take the money out, but I did not feel comfortable with that because I was not sure if I want to use their services. I only have one thing against my credit report with TransUnion. I called them about it and disputed something that I am in a payment plan with. I called 3 weeks to check on it, and TransUnion replied that the account that was in collections was no longer there, and they are sending me an updated credit report. I learned that we can do this ourselves, and we do not need Lexington Law to do this because it looks like they are scamming people out of money!

When my husband and I signed up with Lexington Law, we were told that he would be charged their full fee of $99.95 per month and since I was in the same household, I would be charged 1/2 at 59.95. Our services would not begin until after our first payment was made. We signed up in May. We were also told we could cancel at any time. No mention of conditions or fees. The first payment was $99.95 for each of us, plus the amount it cost to pull our credit reports. We called about the mischarge but they never reimbursed the difference but my husband wanted to try again.

OK from the start, LL was charging me $49.95 a month. I used their services for about 4 months. Well, I ended up filing chapter 13. So I canceled. I told them to take the last payment out on the 31st 2014. Why I had to pay them for another month Idk. Anyway so they took out $100 on the 2nd and then another $100 on the 3rd. Well this threw my checking account into disarray. I feed a family of five off one paycheck so 100 bucks is a lot. Well when I called them, I got some mumbo jumbo about paying in advance and that the 49 dollar rate went up to $100. Funny it goes up when you cancel. The moral of this story is if it's too good to be true, it is. Plus they have caused me to bounce checks and God knows what else. If they had told me in the 1st place this could have been avoided. THANKS. DON'T USE LEXINGTON LAW, FILE BANKRUPTCY.

They did nothing to fix my score. At first, they sent letters and that's all they did. Once they take their money, they stop working on my file. When I complained, they breach their contract and just terminated my file from their side. It's a big scam and run by crooks. I wish the BBB can take action against those scammers.

This company is very upfront with the payment amount of $9.95 for the credit report. I was told that I was only going to be billed for them to pull up my credit report and that additional monies of $99.95 would be drafted from my account when the work of challenges were done. I explained that I was not ready for that part because I barely had $10 in my account. The person that I spoke with assured me that it would happen when I was ready. Within the next few weeks I was billed $99.95 plus $19.95 for redrafting because I had no money in my account. When I called to cancel, I was informed that I would receive a cancellation email (crickets). I also requested information on the challenges that were made to the companies on my credit report (crickets). I have a better chance with walking on water. Do not support this company, it is a scam.

I haven't used them yet. I clicked on a link on Credit Karma and they have started calling me... sometimes 2 or 3 times a day. I knew something was up with them by the way they called. Finally, I answered. Talked to this guy who told me he could get my credit report for me and could go over some things. I told him I can get my own credit report and send him a copy because you are given a free one once per year. He started to give me this spiel. I told him, "Cut to the chase... How much is it going to cost?" He tried to go back into his dialogue again and I cut him off and told him I wasn't interested. I'll take the time and clean my own credit. I'm glad I came over here and read these comments. My gut did not lead me wrong.

I started with Lexington Law in March of 2014 and my credit score has gone from 584 to 661 already! I had to write a review because of all of the negative reviews. Every person I've dealt with has been friendly and helpful. I think a lot of negative feedback has to do with their fees. You can do this yourself, I know, but it's very time consuming and frustrating. I'm paying now, but in the long run, this will save me way more, than I'll ever pay them. I was very irresponsible and damaged my credit very badly. I finally took responsibility for my poor decisions and they've helped me more already, than I even expected! They also charged me $99 for the first month, and I was told the $49. I called and the money was refunded immediately. Nothing in life is free. Just wanted to give some positivity against all this negativity!

Lexington Law Firm is a SCAM. I called in yesterday to have a consultation and I have not been that infuriated and disgusted by a business in my life. First of all, the initial guy I spoke with misinformed myself and my girlfriend who were signing up for the service, about the amount of money that was going to be due and when it was due. He was talking really fast and made it seem urgent that we start working on the case that day. After he received the payment he transferred us to a "paralegal" that gave us extremely different information about payment due dates and amounts. DO NOT USE THIS SERVICE!

Please do not deal with them. It was too good to be true! I only had the service for one day. But I noticed while she was going over the process information and explaining the policy that she would not stop talking so that I can ask questions. She was a fast talker and would not let me get a word in. She then transferred me to the paralegal. And the other person would not give me any feedback on the questions that I ask. Last she promised me that I can have the same deal for $49.99.

This was a copy and paste..review...I'm not now..nor have I ever been an employee....my complaint has been resolved.

I terminated my agreement with this ** company in June. They turned around and still took $125.00 out if my account this month. Talked to some idiot on the phone who said I did not cancel in time and I owed $220.00 still. I am sorry I even listened to a real estate agent and went to these RIP off artist.

I was scammed by this company. They lie and lie to get their way. When I was contacted, I expressed to the associate that I didn't have money on my prepaid card to purchase the credit report so he could go over it with me. I expressed to him that I couldn't use that card because I have my rent drafted out of that account monthly. He assured me that it was okay to use the card, even though it doesn't have any funds. His words was, "We just need to run it so you can get your credit reports." I agreed under the impression it was on a one-time deal.

I was screwed by Lexington Law, yes just like the others had written. They will take care of the piddly little ones, but they never took off a charge even after I explained I was scammed. There are numerous complaints lodged against this company, Stores Online/Imergent. Oh the Best Part, they have a Paralegal to fight for you, but even that did not help. I guess they know nothing about State Laws. Don't let them fool you. You can do it yourself, on the little ones with a little effort and education.

At first I had interest in this law firm because it was recommended by Credit Karma at one time but before payment was due I change my mind, and like they said just call in to stop payment but I got a call from them. I told the young man I wasn't interested. He in returned said no problem but not only did they charge my card when I was told they wasn't, they did anyway so they got $120 for a couple of text and emails sent to me. This law firm is out money.

I signed up after their sales person told me they could definitely help. I was applying for a mortgage and needed to clear up some old stuff that should have come off. I also told them I needed to dispute the way a bank Coded an incorrect code on my report due to a short sale that was hurting me from obtaining financing. They can do it I was told and would start on it immediately. No one told me there that when Lexington law puts something in dispute no bank will give you financing as you cannot get accurate readings of your report while in dispute. No one will call me back with information as to how I can drop a dispute. They told me since I cancelled my account they have no info on me when I cancelled only 4 days ago. Client services do not pick up the phone and all you get are sales reps who can't find anyone to answer your questions. They cannot get client services to answer either. I would love to tell the news about this scam of an organization. Even when you are under contract, you never get a live person, you can only do a live chat and their answers are robotic and make no sense. Don't be stupid enough as I was to contract with them. If you have credit issues hire a real attorney.

From my personal experience, Lexington Law did not remove anything on my credit file (had some late payments). They told me they would def. remove these and did not. I paid for 4 months. They kept sending me credit scores and said they send creditors disputes. Well I send disputes before I signed up with them for FREE and couldn't do anything so I paid over 500.00 dollars for nothing!! All they would do is send credit scores which I get those for free from my phone apps. They lied to me and took money. I talked to a representative on the phone today and asked for a partial refund and they said they couldn't give me anything back because they were still trying to send letters... All I can say it is a scam - did not work for me. I am still going to try to get my money back. It is not fair for anyone out there like me to get ripped off... By the way canceled my subscription.

So I got transferred to Lexington Law, they said I need to paid $12.99 to get a summary of my report so they can see what they can do. They orchestrate some weird report and the numbers were 684 (Credit Score). when I know for sure was lower than that hence won't be looking for credit fixing. Anyhow, the representative Tucker **, explained that I need to paid retention fee for $99 dollars. I said, "look I've been burned before with companies trying to fix my credit and they did nothing but put money on their packets". I said to Mr. Tucker that I was sorry but this time I need to see some work before I paid.

My husband and I had our credit scores checked at our local credit union because we are currently in the process of trying to get a home loan. Mine was 615, not great at all, and my husband's was about 730 - better but still not great. I talked to Larry Bryan from Lexington Law and my first impression was that he was just a fast talking salesman reading from a script - alright no big deal. He pulled up my credit and it said my score was 503. That was my second red flag and he went on with the fast talking and I managed to catch the phrase "without your consent". No sorry, you are not doing anything without my consent. Then he started talking money and I told him I needed to discuss it with my husband first, which Larry wasn't too happy about.

1. The money from my debit card was withdrawn without my consent; 2. The process of refunding the money was too long, unpleasant and nervous: their system is set in such a way that it protects their company, not the Customer - they withdraw the money right away, and you need to 3-5 business days to get the refund having discussed the issue with at least 5 representatives, which makes you unhappy, though one has the right to pursue happiness in life; 3. The customer service reps are incompetent: they do not read the notes, it seems that is not their main job at all- they never know all the information, every next representative tells you another story; 4. They keep your personal data and do not give their full name (for security reasons); 5. They do not confirm that they are ready to delete all your information from their data base; 6. Their text messages and emails are unanswerable; 7. They do not even know the simple definition of "discrimination" which originates from "disrespect" which happens in their case, as they also decided not to take my case neither in the present nor in the future!

Don't bother using these dirtbags or just go ahead and burn your money. I just spoke with this pencil neck ** in slacks about canceling. Needless to say, ** got real. He quickly became a mouthy little punk that deserves someone to ** in the sunroof of his Prius. I am extremely unsatisfied with their services. For seven months, they have strung me along with promises of credit salvation and redemption. Instead, my credit card now has $800 extra to pay on. It's easier to get out of the mob than it is to cancel these guys. I felt the only way to rid myself was to get ** out. This punk kept reading from a freaking cue card and wouldn't stop talking long enough for me to cuss at him. I swear, they know which items you most desperately need taken off, and that's the one they will ** foot around with. I'm gonna take another hit on my credit from the medical bills I have to pay for due to escalated blood pressure. DO NOT USE THIS SERVICE!!!! You have been warned.

I spoke to Lexington Law. I was hesitant to give them a credit card with my name on it, so I gave them a store Visa credit card. I use limited funds. They said they would review my credit and for this $12.99 and I could get this copy from my email and a Paralegal would call me and go over all the details of my report. No one called me. They took the money and then I got nothing in my email but an advertisement from them, no credit report. I looked them up under the BBB they say they're a part of... Well, they're not a member, in Utah anyway. Where they say they are from. I left a message on their recording. Glad I'm not into them for more money but still I'm venting. It's not their money. It's mine.

Lexington law started removing items from my credit report within the first couple months and after that, they have done nothing for me. They don't care about people, they only care about your money. They keep giving the same answers to different questions and just keep going in circles. Since they are all bunch of legal representatives, they know all the loops so you can't sue them or complain. My advice is don't give them your money, try to settle accounts on your own... they are not doing anything different than what you could have done yourself. Not happy with the services. My credit score is lower than it was before I called them.

I have been with Lexington Law for a month. When I signed up, they asked my mom's permission to charge her card ONE time, for the $12.99 charge for the credit reports (I don't have a debit card or credit card). My mom just called me saying she has money missing from her card and asked me to look into Lexington Law. I told her I would call them, but she wanted me to research. I told her I already knew who they were and reminded her that we used her card with them once before. I called them, immediately started freaking out on them and cursing at them. I was and am still livid! They took $99.95 off her card, along with a $19.95 reprocessing fee (if they charge your card and it declines, that's when this comes into play), so I told the "paralegal" that I wanted her money refunded NOW Because she has NOTHING to do with this.

If Lexington Law is the best credit repair company, I can't imagine the other options. That company, the only thing they do very well is "STEAL". Be careful and do not be surprised.

They were misleading in how they presented start up funds and continued billing amounts. Got our address and email address wrong from the beginning and we were not getting expected letters and emails. Asked questions about various issues as we finally proceeded only to have them dance around the answers. It was like pulling "hen's teeth". They did remove 9 items which are not really nine items. One item listed on all three reports is three items for them. Maybe they get it off of one report but not the other two.

They will harass you with emails, do nothing and don't stop deducting money from your account once they have access. STAY AWAY!!!!

Not that Lexington Law cares, but I just got off the phone with them and they will not refund money they took from my account without notice. Beware. They misrepresent, then justify their actions. They never have any intention of Ever making the consumer happy. I told them I had to hold off on services until I make more money. The guy I spoke with said, "no problem I will make sure we no longer charge you". Two weeks later, they charge me and will not refund.

First of all, I want to say that I understand that every case is different. I also understood that the credit agencies have a set amount of time they can take to respond to challenges. That being said, I was with the company for almost 6 months and during that time, one account was removed by one credit agency. What that tells me is that I could have saved the money and tackled it on my own. Do yourself a favor and try challenging the companies directly. It may save you time and money.

I called Lexington Law to help raise my credit score as everyone else did. They were recommended to me by Credit Karma... What a misrepresentation! I talked to a representative who gave me the run around and could not answer direct questions with a direct answer! Long story short, I paid for a service I did not receive. I had to close my bank card to stop them from stealing my money! I did the research to file a lawsuit but we are dealing with professional crooks who can legally steal from their victims! Basically the only service they provide is writing letters and calling creditors while using their name as intimidation which does not guarantee results! These are things that we can do ourselves for free and the credit bureau websites tell you how! Please check out Ripoffreport.com before giving anyone your credit card info.

I hired this company a year ago and I must say they sold me a bag of magic beans. To be honest, I would've been better off with Jack and the bean stalk. I've had the worst experience with this company and with all these complaints, It's beyond my human comprehension why they're still in business. If anyone is up for a class action fraud suit please contact me. Paid them money for a snail mail service. They send a couple letter a month and string you along so you can continue to pay the monthly fees. At this rate, you end up paying more than you owed your creditors!! If anyone's suing I'm in!!!

I do not know what to say. They only charged $12 and if they don't help me, first place to go and even get your money back and file complaint, go to your local ATTORNEY GENERAL. They better clear my stuff because I won't take this **.

Starting using their services about 3 weeks ago and could not be any happier. I decided to sign up after reading their positive reviews. My credit is pretty strong but do have some negatives on there due to my wrongdoings and decisions from a few years ago. Lexington law removed redeemed repo from GMAC which I could never EVER remove myself.... and not just from one bureau! ALL 3. :) Also they removed small paid collection as well, all this in less than a month. Lexington Law is the best credit repair firm out there. Will recommend to all family and friends. A++++

I spoke to this company a few weeks ago about credit repairing. They said it would be 12.99 to obtain all three reports from the bureaus. And I have to pay that upfront and I can just have a consultation to decide if I want to proceed with services. They ask me to type agree in a text message and send it to them. So I spoke with a "paralegal" about disputing things on my credit and after not feeling comfortable with what I was hearing I decided not to proceed with services. Bam, two weeks later guess what comes off my account?? 99.95.

I'm very upset with this law firm. When I signed up for the service, I was told it was a month to month program and I could cancel the first 10 days of the payment date for that month and services would end the following month. So I did that. I cancel after I made the payment for the next month to be cancelled. They cancelled me the month I just paid for and didn't get the month I had paid for and was told my account had been closed and I wouldn't get the next 30 days so I gave them $99.95 for no work the next month for nothing. The way they explain it to you when you sign up is misleading or even a lie. I don't want anyone else to lose money to this law firm. Do not use Lexington Law firm. They take advantage of people needing help and to set it all off I asked them about the work that's been done. They couldn't tell me.

About Lexington law crooks at Utah. Just letting people know that this company is a scam. I called them. I got charged about $13 by a guy name Paulino, who I couldn't understand, but okay. Then I simply said to the guy, "I'm done, I don't want to do business with you," and our conversation got cut-off so I thought that was it. Week or so after, I was checking my bank statement and I notice about $100 from them. I immediately call them and they say, "Well, we begun working on your credit." How you can work on my credit and I didn't tell you to do anything other than take $13 for the credit check report. "Well, we tried to contact you." Contact me, I told that idiot Paulino that I'm done. "Well I'm sorry but we begun working on your credit and there is nothing I can do." I think I said enough about this crooks, so please don't do anything with this thieves.

Called to get pricing. Told me it would be 49.95 to get started for my husband and I both. I gave them my banking info and at the end of the conversation, they then told me it would be 49.95 for each of us. I said then I did not want to proceed. Lexington Law charged my account 49.95 to my acct even though I told them I did not want to proceed. If they do something this crooked, then I will never use them.

They couldn't even get the most minor credit inquiry off my report to help my score. Only AFTER I submitted my credit report to Lexington Law upon first signing up - some mysterious negative item that has nothing to do with me, and which had NEVER before appeared on my report till that day, showed up suddenly and they made it disappear quickly with ease. But, it had no impact on my credit score though. I wondered if they hire a company to put it there so they can take it off quickly and justify themselves as having been productive? Questionable...

They told me they were challenging certain negative information on my reports, but they were not sending the challenge letters until I asked them to snail mail, and email me copies of those challenge letters with the dates that they were sent ... It's been more than 30 days and still no email, or snail mail. Nothing was removed from my reports either. I was very angry, so I still gave them 5 more days to send the copies and dates sent. Still nothing. I cancelled on their website and called and cancelled. My billing day was the 11th of the month, and I cancelled on the 8th after complaints on the 3rd and 4th. They told me they were going to Bill me another $100.00 on the 11th anyways. I was livid!!!!! I was only with them 27 days.

Like most others on this site I was lured into the promise of cleaning up my credit so it would be easier for me to obtain a home loan. After signing up in October, one item was removed in January I believe. I was not aware of this item and was pleased as it appeared they were working on my case. However, the one item I wanted disputed was never addressed. After further research the item they had "removed" was taken off because I had paid it fully and the business reported to the credit bureau. Interesting. After four months with these predators I was in no better condition than when I started. Then, as a member (not sure the level of my membership it was 99.95/month) I received my weekly account update text message with a "D" rating on debt to income ratio stating I had 82% of available funds utilized.

I am going to sue your company. First your company took money out of my account for no reason. I paid for a credit check not for your company services. Besides it haven't been a month yet. I thought a billing cycle is 30days. The main thing is your company sent emails to the wrong email address with my personal information on it. That's a lawsuit. Your company screwed up and I am going to sue on them grounds along. Where is that in your contracts.

I signed up for the premier package at a cost of $100 per month. After 7 months they have made 5 deletions total. Not 5 deleted lines, 5 individual deletions from 1 credit reporting company, which means nothing. All 5 were still on the other credit reports, so in effect, they meant nothing. I would never recommend this company unless you want to spend a lot of money and get little results.

I signed up for Lexington Law in October of 2013. At that time I was promised I would be in a position to buy my home come March/April of this year. Over the course of my experience, I experienced some removals which I was overjoyed about as I have been trying to do this by myself for a year prior. I had paid off some debts and sent the paperwork to Lexington. I kept asking why these were not coming off my credit and got a scripted "they do not have incentive to keep them on your report once paid." OK so why didn't they fall off?

First talked with Mr. ** at the firm and convinced me they could help. I explained my situation which was that me and my wife had scores over 700+ but we wanted to refinance our home but also had late payments due to a home we sold and paid off the bank that had started a deed in lieu, which created payments not made because for the bank to accept the deed in lieu, we had to be behind in payments and not to make anymore, so they had to report late payments. The deed in lieu process started in 11/2010 and we closed on the home 3/10/2011 and made the bank whole. The credit was affected and we knew it would be but by doing a deed in lieu it would hurt the least around 2/3 years. We also had a second on the same home by the same bank (B.O.A.) so we have two negatives from the same bank on the same mortgage. The mortgage was showing 30/120/150 days late; the line of credit shows 30/90 days late.

I signed up with the law firm, and when I did, I advised them that there was just ONE thing on my credit report I needed help with because I couldn't get anywhere doing it alone. I signed up in November 2013 and paid an outrageous amount. I sent them all my documents via fax. A month later, they charged me for another month and they hadn't even BEGUN to start work on the one item I needed to come off.

I initially signed up with Lexington Law, provided all the information requested, gave my credit card information and then they told me I had three days to cancel. Well then I started reading the reviews online and their ratings and Lexington Law sounded like a big rip off. So I called and spoke with a very sympathetic rep, she was polite, no high pressure retention tactics, was genuinely concerned, and even though I was very skeptical and thought for sure after reading the reviews that they were still going to charge my credit card after the 3 days. This rep stated that she had cancelled my agreement and I would not be charged and apologized and invited me back. Well I sat on pins and needles hoping that my cancellation was not going to start a huge battle with them and after reading those horrible reviews, I just knew that I would have to eventually cancel my credit card. They never charged me a Penny and kept their word. I was relieved and surprised, I have since gone to White Jacobs, they are expensive but I have already saw immediate results. I am still early into this process, but I am hopeful.

I signed up with Lexington law about 6 months ago and of course I was sold the most expensive package they had the, "concord premiere", 100.00 a month. I'm ok with that, so time goes by and little by little they have had things removed and I was satisfied. When it came time to look for houses for myself, I ran into a problem. Banks or any lender's WILL NOT consider you if you have disputes on any accounts on your credit reports. Lexington law does not tell you this, but they do know about it!!! Their trick is, if you dispute an account it is taken off of your credit report and then analyzed by whomever, well this "Helps" your credit score because it seems like that particular disputed account doesn't exist, hence your credit score rises.

It took a few seconds to get someone on the phone to talk about signing up, but to cancel I had wait over 30 minutes on hold. Then when you finally get someone on the phone, they try to sell you other products. It took me over an hour to cancel.

After almost a year of paying $99 per month, Lexington has not been able to make any substantial progress. Progress that has been made was the result of actions I'd taken on my own. Also, I recently requested and obtained letters that were sent by Lexington Law on my behalf. These look as if they were written by 6th graders. At this point, I'm of the belief that Lexington Law is one big scam. And the results of my case is proof.

I started with Lexington a while ago and haven't been with them for some time, because I had 3 late pays and one collection account on my report. So I signed up with them didn't really track what they was doing cause I'm busy, I work, have a family. But I got an email one day, checked my transunion report and equifax and all was deleted. One was still on Experian. So I stayed with them another month, pulled the report again and it was deleted.

I was called by Lexington law, a day I was in pain from neck injury. After hearing him go on for 30 min I went and gave them my credit card # they charged me $14.95 which cleared the bank yesterday. I called back today to cancel as they said they were going to charge me $99.99 March 6th. Today is the 27th of Feb. They tell me, "Oh we will have to get $99.99 March 6th as we have sent out 3 letters." I researched my credit myself and have some medical and one stupid health club charge, a place I NEVER SET FOOT IN... NATIONAL FITNESS... HCOAA... TOTAL SCAM. I have 12 small charges totaling $1,800.00. They tell me it will take at least 6 months to help get SOME of this cleared up. That's one third of my total outstanding debts!!!!

I needed help fixing my credit due to economic reverses so I heard about Lexington Law Firm. So I called and they told me they could help me and I would be pleased with their results. I signed up and began paying..... months passed.... kept paying.... More time went by..... always paid..... results = 0. When I asked why no results, they said "no guarantees" so.... sorry. Please look for other alternatives to this place. There must be someone out there that can help, but this place is not it. In trying to look for other complains and reviews on this company, all links lead to their website with their positive ads and promises of good credit scores. Don't believe it. Walk away.

I signed up for Lexington law through Creditkarma.com earlier this month around 8 pm and reluctantly someone that late was able to assist me. They charged me $13 to get a full credit report which I thought was odd because by law you are entitled to a free credit report once a year. They got me to sign my sister up at the same time.

I was charged more than I was quoted for services. Company doesn't want to honor a requested refund. I originally went to Karmacredit.com for information on my credit. I noticed an inaccuracy and while researching the issue, there was a banner ad for Lexington Law on the site which I clicked on, thinking it was related to Karmacredit. I called the number and spoke with Brian who said that he can assist and offer with the matter for a one time charge of $12.99. He reiterated this amount several times after I asked him to confirm. Subsequently, I noticed several charges from Lexington Law totaling $119.99. I called several times on 2/22/14 to question this and I was told that I signed up for service that has a monthly fee. I asked to cancel everything which was done, however, I was told I am not getting a refund. I would like assistance in obtaining a full refund due to the gross misrepresentation of the charges. Thank you.

All Lexington Law seems to be interested in is taking money from your bank account bank. Fortunately for me they have the wrong banking information; otherwise, I would be out a lot of money for no service.

Came to them for help with ONE 30 day late payment item. 8 months and $900 later they have failed to report any progress whatsoever. The website looks nice with all the tools available, but in reality there is no substance or anything to help you understand what is actually happening. I sent several emails over a period of 2 weeks, forwarding credit documents and asking specific questions. I did not get any responses.... When I complained about this, they stated they had not received any of my emails... When I forwarded them all of the emails I had sent, they said, "Oh sorry for the inconvenience." I have since cancelled with them, but considering the horror stories I have read, am waiting for something to bite me in the ass. I did get a confirmation # and email about the cancellation...time will tell. For those in dire straits, this program may be a good last resort, but for minor blemishes...this is a waste of money. The overall communication w/ LL is horrible.

Lexington did little to repair my credit score even after spending $2000. As a matter of fact my credit score did go down while using their services. They promise much more than they provide. If I continued with them I suspect I would have spent thousand of dollars before seeing any sizable improvement. I just think that they are unable to accomplish what they promise without spending several thousands of dollars, even then I don't know if they can! And they don't stop charging after discontinuing their services!

At first, for two years I have been pleased and very satisfied with the service that Lexington Law provided. With their assistance I was able to raise my score almost 200 points in a very short time period. However, a few months ago I lost my job and was unable to pay, so I tried to cancel my membership, however they instead informed me of their deferment program. I happily agreed, as at the time I did not want to lose their services.

I joined Lexington Law firm in July 2013 as a tool to improve my credit. I DID agree to a free trial and was promised that my credit report would be improved. I soon realized this firm was continuing to charge me $99.95 per month even after I notified them to cancel my membership. All the incorrect information magically has started to reappear on my credit report. It seems the credit bureaus are working with Lexington Law by adding incorrect information after same information was removed during the time one is enrolled in the Lexington Law program.

I was a former employee of Lexington Law for 2 years and I am here to tell you the truth about their services and their sales tactics. First, they say that their services are a month to month service, what they don't tell you is that their "work fee" payment of $99.95 is NOT the same thing as the first monthly payment. So in reality, it's not $99.95 a month, it's actually $200.00 for that first month of service.

They said the first payment was $99 plus $25 to pull the credit report, which you had to pull yourself and give them the case # for it. After the first month, they had removed 3 items off all 3 credit bureaus, but after losing my job, I was no longer able to afford them. Was going to cancel it, and they talked me into going into the alert program for $12.99. I called on the day of my bill cycle, I was still charged $99 so you can say I paid $200 for 1 month because they said the first payment was a retainer, which they failed to tell me in the beginning! What some **!

Cancelled 6 months ago and they continue to charge my credit card. I tell them I understand mistakes happen, I just expect them to fix the problem and the lady says, "Well you still got the service." She said 7 things were taken off, I laughed and said yes 7 inquiries were taken off and you have nothing to do with that, they come off yearly. They try to manipulate their words and what they do to confuse you. I told her the $200 Overcharge was worth arguing with her and she said "okay" and hung up on me. Very disrespectful she was, very unprofessional, plenty of other companies out there to try. You have to call Lexington Law at least 2x a month to keep them going on your account or they forget about you. If I can get 1 person to not yo-yo this company and save them time and money, I did my part.

Lexington Law came up on the web when I was on another page. I filled out the form and they contacted us about credit repair. We initially agreed to use them but then read the reviews on them and they were bad. Called them and told them we didn't want to use them and went to the bank the same day and did a stop payment. Lo and behold they tried to get a payment from our account anyway. We have spent hours on the phone trying to take care of this. DO NOT USE THIS COMPANY!!

I have submit my information to Lexington Law Firm for credit clean up. Within 6 months, there was only one item removed and every time that I contacted them for information, I would be told that it is in process. When I requested reason to why they could not submit more than one item, they said that credit bureaus do not allow them and that it could get returned. I have a relative who works in one of the credit companies, and he stated that it makes no difference if you submit one document or if you submit 100. Everything is received the same. For conclusion, this Company is a fraud. They do not resolve issues and they drag it on to collect more funds. I WOULD NOT RECOMMEND THEM TO MY WORST ENEMY. Worst service and worst results I have ever seen.

They had me on two cases and they were charging my account twice so I caught it and then to reimburse me my money back and they closed that dad out. Then the next month, they did the same thing again but they would not give me my money back, told me that I had to send in my bank statement and my case was put on hold and the paralegal changed my due date but all the time, they never put it on hold. They were charging me all the time and I even gave them a different debit card.

I started with Lexington Law in October. I started out with 33 negatives. They supposedly took off 9 reports but I still had 32 negatives. I asked why and they said I had new negatives but they could only list two new negatives. I asked about the other seven and they couldn't come up with an answer. My conclusion is they've been telling me they're making progress but really just adding more so they can take some off.

I was with Lexington for 2 years!!! $2650 WASTE, ALL they did was RUIN my credit worse!! I looked for a real company and finally found one WHITE JACOBS & ASSOCIATES. It's out of Plano TX. Tyler ** did WONDERS for me, he cleaned up Lexington's bs and within 3 months Tyler took me from a 522 to a 789!!!!

I had some bad times a few years ago but got into a good position about a year ago. I started to save for a house but my credit was terrible. I started with Lexington Law around June of 2012 and stayed with them until June of 2013. They got some things off but when it came time to getting a loan, I couldn't because of the disputes that were my credit report (not sure what this meant). Anyways, afterwards, most of the items they removed came back and the dispute remarks never came off. The mortgage company I went to referred me to this company that she sends all her other customers to, White Jacobs. This company used their attorneys and I don't know what they did but in 4 months, they raised my score from 510 to a 686. I wouldn't recommend wasting time with Lexington but don't give up because there is good companies out there. FYI, I close on my first house ever in 10 days...>>> SUPER EXCITED.

I was a prior client of Lexington Law Firm and I would say for the most part I was pretty satisfied. Yes, most of what they do we could all do ourselves but it's hard when you are busy. When I first signed up, I had over 30 negative items on my credit from a divorce. They did successfully remove quite a few of them. In the beginning, I did see a lot of action, then it did dwindle which caused me to eventually cancel my account. I did repair most of my current husband's old inaccuracies myself but decided to give them a second chance with both of our reports this time. I will say there is no magic fix to your credit and no matter who does it, a company or yourself, it takes time.

This place is a scam and they tell you one thing and then do and charge you another!! Do not sign up with these people!!!! They are a joke, save your money. This is **. Do not ever sign up with them!!!!

I decided to cancel Lexington Law firm the next day. I called and got a fax number from them (not toll free number) and fax them the correct paperwork. The following week, they took their fee out of my account and they weren't suppose to. When I called, they said they didn't have any record of my calling at all and they never received the fax and they refused to refund all of my money. Promised me that I would have back that day and I still haven't gotten yet and they are avoiding my calls.

I was trying to talk about a car loan with someone and ZOOM they transfer me to Lexington Law firm. I gladly signed up aware of the monthly fee about 5 days ago. Well my wallet was stolen along with every single card in it between then and now. I cancelled all my cards and then today called Lexington who is scheduled to take the payment out tomorrow. I called and cancelled and told them about my wallet issue.

This so called service has sales agents that appear sympathetic and sincere. Do not give them your bank info because it’s impossible to cancel. You can do for free what they are charging you hundreds to do.

Thirteen dollars for credit report. First they said they can do it for free, than they said there was a security problem with my credit report so they needed 13 bucks to run it. Well that was a report on my credit causing it to drop. I opted out in two days and they got really mad and hung up on me. Now they keep calling me every day. My lawyer says that they are a fraud and we are going to file harassment charges next week.

I wish I have read all the reviews about Lexington Law before I signed in…what a scam! I have engaged with them paying 99 a month for them to remove only 2 negative items. One of them was only a 12 dollar debit, and they did nothing but roll me over and over, giving me the best excuses just to keep me in the program…I paid 8 months, total of 800 dollars and I want to take legal actions against them. It's too good of a scam. They are too powerful and rich already. Their website is great looking and their advertising is everywhere.

Thought I was getting a credit report, a real one. They said a fee of 99.99. I said I could not pay this, so they dropped it to 59.95. But I was still charged the 99.99 and 59.99. When I saw what had happened, I called them and cancelled. That was in June 2013. I did get a confirmation number. But they still kept taking it out. Now it is Oct 2013. I am still trying to get them to stop and refund my money. But they made it clear that there was no confirmation in June but it would stop now. We'll see. It's hard to believe that this is a law firm. This is a very shady company.

I purchased Premium service from Lexington Law 6 months back which cost me $600 altogether. The salesman informed me that it will take 3-4 months to remove 3 negative items from my credit report. They did nothing except made few information escalation. Their customer service is rude and unprofessional. They gave access to their website to view my case status. Think that was a scam too. They posted incorrect information. They have two versions of their website and if you log in, you will see your case information does not match, that means they post information as they wish to fool you. They charged me for credit report 2 times (12 x 2) but I never received my credit score. After six months, I was frustrated and cancelled my service but six valuable months has gone. They did no good to me but ripped me off.

I started with Lexington Law and tried to also add my wife all at the same time. They clearly stated she has to go through the protocol of going online and phone to be entered into their system like I did. So then Richard told me that he could take down her information so when she called he can get her started, so I complied. Before my wife could even call them or get off of work they had already charge my card an additional fee for my wife who's never been added onto their system... Complete fraud. Richard completely added my wife into the system without her even talking to their company..

I have paid this company $150 to rid a $35 debt from my credit report... They promised I would have a reply in 30 days. So far it's been 90 days. I have gotten nothing accomplished... just a bunch of false promises. So upset.

I called Lexington Law to get information on their services. The guy kept trying to tell me there was no monthly fee. I told him thank you for the information given but that I was going to think about it. He asked why and I told him. He wouldn't let me get off the phone telling me how I couldn't clear my credit up without them, that I could've gotten the information off their website and trash talking my debt situation. I was so angry.

I had them for 3 months and it decreased my credit score instead of improving it. I cancelled it and they still took out money from my account, which left me in a major bind. So my words, do not do it. You can do it yourself.

When you speak with an agent over the phone initially, they sell you on the idea that they will change your life around within a matter of months and that they will do everything in their power to remove all negative listings on your credit report immediately. Once you sign up, you find out fairly quick how lackadaisical they truly are in repairing your credit. If you have a large amount of negative items on your credit (i.e. 20-30 derogatory items), they will only challenge 4-6 items at a time per month. This is where the lucrative aspect begins for them and the monetary demise starts for you.

After contacting the BBB, Lexington Law did not charge the upcoming month fees to my account. I appreciate their goodwill.

This credit repair service is only interested in your $99.00 dollars a month. I had terrible customer service and they take too long in resolving my credit problems. When I call them they always told me it takes time in dealing with credit bureaus. All they do is keep you on as long as they can to keep the $99.00 rolling in to them with little results for your money. I cancelled with them and told them NOT to take any more money out of my account and the following month another payment was withdrawn from my account without my approval. This company is in this racket for your money not to repair your credit.

I did not do a review online of Lexington Law until I joined. When I saw that some cases take 3-6 months at $99 @ mo. I felt that was really slow. A girlfriend said I could do this myself. I contacted them and cancelled. They advised me that I was not obligated to anything and I would not be charged any fees. I asked why they had not immediately removed the $12.95 credit report charge from my account as they said they would and the sales associate said because I had already cancelled. I confirmed with her that no money would be withdrawn from my account.

I admit, I have a very confusing situation, but they couldn't their nuts if the squirrels had them in their mouths. Three different people I talked with and all they are supposed paralegals. Must be an online school paid for by the call center. Don't even think of asking them a question that isn't in their training manual for them to reply to. They consistently revert back to the script provided them. I understand they work on commission, supposedly 30,000 clients. They won't let you talk to licensed attorney who runs this business, but after much **, hoop jumping, and ass kissing, they gave me the direct number to their Law Firm. That number is **. Maybe someone there may know the difference between ** and shinola.

Lexington Law drags the process out way too long! I signed up for the most expensive package and they just drag it out! Look for someone who wants to get it done, not charge, charge, charge!

First off, the first person you talk to is a salesperson. This person tells you whatever you want in order to sign you up. I was told that I had 5 days to cancel the service. What they didn't tell me was that I had to wait 6 days (since I was in CA) before they would start working in my case. Since time was of the essence, this did not sit well with me when I found out about it 3 days later. I was wondering when they would send out the disputes. 2nd, I was told that for the first account it was $99.99 and since my wife had the same items, they would charge us $49.99 for her account. The 2nd month, I was charged $99.99 for both accounts. So I called them, they then stated that this was for the first month only. This is not what I was told.

We have had a bad experience with LL. They did not cancel us when we asked and then charged us another month. I have heard from numerous money management places that it takes at least a year for credit score to go up so I find it strange that yours went up 200 points in 5 months.

First, I want to say I can't believe the reviews I'm reading about Lexington Law that are bad. Doesn't sound like the same company to me. Well, let me say I started with them in March 2013 with 49 negative things on my 3 different credit reports. Now it is July 2013. I have 5 left and Zero on my TransUnion report. So I'm sure they will get those removed also soon... Every time I have called and spoken with someone, they have been really nice and helpful... always giving me great advice. Some things I needed to do to help them be successful at getting it removed, I did. I did try to do it myself and it didn't work. They also got 2 judgments removed from my credit reports. I'm very grateful for their service, since I started my own business I needed to have great credit for a good insurance and bond rate. My credit score went up about 200 points in 5 months. It was 480 to 520. Now it's 640 to 712.

They lied about their BBB status. They represented themselves as paralegals when, in fact, the call came from a call center. They used pressure tactics to try to generate my business. They gave me a free credit report that differed from the one that I had gotten online for free. They tried to pump me in trying to get personal information. Epic fail.

DO NOT USE LEXINGTON LAW FOR ANY REASON EVER. Lexington law firm dishonestly advertises and provides no proof of work performed. They told me they needed more time at $100 a month. Eight months, no results. On August 15th, 2012, I started my service with Lexington Law to try and have some inaccurate items removed from my credit report after proving a debt did not belong to me in court for the third time. The sales associate I spoke with (Theresa) said I had a case and recommended I go with the premium for $100 a month. She told me I would see results in 3 months at this rate and that their clients have an average of 8 negative items removed from their credit report by then.

I am a former employee of Lexington Law Firm. There are a few things people should know before signing up for their service.

Please DO NOT USE LEXINGTON LAW.. I have paid them $99.00 for the past five months and the only two things that they said they got off of my credit report really never came off. I decided to order my report myself and the bad marks were still on there. They also lied and said the inquiries were off, but they were not. YOU CAN DO THE SAME THING YOURSELF FREE. Once you get your report, go online and dispute yourself by simply clicking a box and entering. By the way, unless you pay OFF your credit cards and loans, the banks will not remove the bad listing. Once you pay it off, you can call and ask for them to remove it.

Absolute scam. I called to have my credit repaired. I was fast talked and every question I asked was answered in circles. I was pushed 5 times to refer this service to my family and friends in 5 different ways, even after I said no 5 times. I figured the girl on the phone just didn't have good phone etiquette and let it go. Then, she went over the services which were all something I could do on my own but just don't have the time to do. So I asked how long this would take (considering they take $100.00 from your account every month until it is complete). I was told that when a paralegal looks over my report, they would let me know and they would start today… while we were on the phone.

Lexington Law represents Corporate America's attitude that they can do whatever they wish because American Corporations have no morals. They are fed by greed and will steal your draws if you did not have them on. People in this country work hard for the little monies they earn. And for regulators getting kick backs from these companies to turn a blind eye, shows the decline of a cesspool that is Lexington Law. I purchased a 5-day trial offer and cancelled before the end of the 5 day offer, along with a cancellation conformation number as proof. Needless to say, the next month, my checking account was debited 3 separate times, totaling to $150.00. I was unaware of this at the time, only not until I received three overdraft charges at $35.00 each from my banking institution. I almost blew a gasket.

Do not hire this Lexington Law. They give confusing answers when you ask direct questions. They are a complete rip-off. It is very difficult to cancel the service once they sign you up. They keep charging you hoping that you will not pay attention to what they are doing. Do not sign up with them. You have been warned!

Do not hire these people. They take your money then continue to take your money after you cancel. Their spokespersons on the phone are liars and give you all kind of ** as to why they continue to charge you. Do not hire them. They are a ripoff company!

Here's what Lexington law does: Writes letters and signs them with your name, and send them out with your address as the return address. Here's what your creditors do: Write to you directly, tell you they know you are using a credit repair service and state that they are under no obligation to reply to such a service. Embarrassing. I have two items which are totally inaccurate on my credit report and Lexington couldn't even handle those. Both of them simply sent me letters like the above. I paid a total of $250 for nothing.

OK, I use Lexington for 6 months and didn't get any results. I tried to get a hold of that Nic guy from the below post but was told he left the company. I ended up talking to Tony ** and he was great. He explained everything to me so it makes sense, and after one month, I already saw more with him than I did the entire time I was with them. I would advise anyone to talk to him.

I am a single mom of 2 and I wanted to do good for my credit and went with Lexington Law because I thought they would do a good job. After being with them for over a year, paying $80 a month, I did not have any results. I wish I could have read all of the bad reviews instead of reading their fake good reviews. After I wasted $1,000, I went with another company. Being very skeptical, I was lucky to find "Nic" at Repair my Credit Now and they fixed my credit in less than 4 months. Do not use Lexington Law. If you want it fixed right the first time, use Nic. He is the reason my credit is good now.

Like many people, I was surprised that credit could be repaired with only a nominal monthly fee. I opted for the $79.95 monthly plan. Since they offered a five day 100% refund, a guy from Lexington Law calls and says, "You should see some items dropping off your credit reports at the end of the month." That's pretty exciting, so who's going to cancel? Of course nothing drops off, and then they say it takes 60 days. Of course nothing happens in 60 days, and then they say sometimes it takes longer for some than others. After five months and six payments, my credit report was still the same.

I applied for a car loan after finding a dealership advertising a car on Craigslist. Now I get calls from Lexington telling me that I have to send them money to clear my account. I told them, "No, thank you." They continue to call me many times per day as I am doing a live radio show in NW Arkansas. At one point I placed the speaker up to my mic in my studio and recorded most of the conversation. I then told the person what I had done and they cursed me out and hung up. The entire time on the phone with them was odd. They kept calling me a "dead beat, a loser and a worthless piece of **."

I contacted Lexington Law to assist me with improving my credit. I spoke with the paralegal regarding improving my credit score by removal of delinquent payment reports connected to a short sale I completed four years earlier. The paralegal indicated I would need to first challenge the reports and all three of the credit bureaus and had to provide to proof to substantiate the delinquency reporting in 30 days or remove the delinquency report. I was assured they had been very successful in getting such delinquency reports removed particularly with Countrywide Mortgage (my mortgage company), especially since the company had been sold and was no longer operating.

I contacted Lexington Law to assist me with improving my credit. I spoke with the paralegal regarding paying off any debt and how they could assist me in getting a better credit score. I was told I would first need to challenge the debt for erroneous charges. They stated that the credit bureau had to respond in 30 days or remove the bad credit. I called back and nothing had been taken off my account and I was told that it may take now 45 to 60 days before this part of the process would be completed. I do understand that this will take time but the service was again charging my account $99 for nothing, just waiting for the credit bureau to get back. This was not a good use of my funds.

I signed up with Lexington Law for free service which was granted by court settlement. But a few weeks later, they closed my case. They said that happened by error and it will be up in 48 hours and when I called after 48 hours, they told me to pay for the service. Then when I called again and talked to their paralegal, they then again said wait for 48 hours, then again the same story. I have called them almost 100 times in the last 3 to 4 weeks and they are not following the court settlement. I need help.

On or about March 27, 2012, I contacted an online credit service to see if my husband and I could improve our credit score so that we could get a refinance to lower our mortgage payments. I was immediately connected to Lexington Law Firm, a company specializing in credit repair. I was told one story by the sales person. It sounded good and the price was not bad, so I signed myself and my husband up for the service. I was told by the sales person that it did no good for one person in a marriage to improve their credit if the other one does not participate, so I signed both of us up. I was also told that we could cancel within the first 5 days and we would not be charged. He then switched me over to a supposed paralegal who would handle our case.

I signed up with the company back in November of last year in which it was $99 to sign up and then they take $79 out of my account every month for the service to so called help with the repair of my credit. With talking with someone and researching a little, I found out that the company is not licensed in the state of South Carolina to assist South Carolina residence with the repair of their credit. My credit was not repaired at all and some of my good standing creditors were removed instead which hurt my credit score even more. I also have spent about $400 with the company.

I contacted this company to ask questions about their services and to see if I could afford them. I explained my situation and my only source of income was my disability check each month. They seemed very understanding and supportive knowing that most people who contacted them were in a financial shortage and were trying hard just to make ends meet. So I agreed to try the services and explained that I didn't have the money to start until the 3rd of the next month. Well, that was all fine and they chose to go ahead and get my credit report right away and look at it. So I got my check but my bills were almost more than my check so that left me broke, actually I had gotten very ill for several weeks and I wasn't able to get out of bed for almost a solid month and I had to buy unexpected medicine so of course, that ran me short to say the least.

They told us that they could improve our credit score in as little as six months. I paid $9.99 for me and $9.99 for my husband to pull our credit report from all three of the major credit reporting companies. They only got one. Then I was charged on 10/19/09, $99.95 and $49.95 to begin with a real lawyer. After my score went even lower and I investigated further, I was charged for paper. On 12/27/09, I was charged again $89.00 for me and $89.00 for my husband. My service was cancelled on Nov. 11. Nothing was ever done. My account was at a zero balance. My credit score went lower and I feel like such a fool. How will I be able to go to work with no money for gas the next two weeks?

For 3 years in a row, they have been charging me $39.95 to have my credit file corrected and quite a few items removed because of incorrect information and I have paid the cost for 3 years and since May 2008, they agreed to $39.95 but arbitrarily started debited $59.95 per month but to no avail. No satisfying answers were given.

they withdrew money after we told them to stop i do not have the total they did not doany any anything for us

On July 1 05 I had requested information concerning credit repair service. I was contacted by the law firm and expained that they were a reputable firm and they could fix problems on my credit report. I explained that I had went through a service prior and was left holding the bag. The rep explained that they gaurantee that this service would work for me. He then talked me into the 99.00 plan and 59.00 per month. I was told all I had to do was send my credit reports and they would take care of the rest.

two months ago i had applied for their service, i provided my PERSONAL INFORMATION espcially my banking information aswell, i was suppose to call then back to give them my Authorization to charge every month 39.99 for their service , i never called then back because i felt they were running a scamm , so today Dec29,2004 i had called my bank to find out any pendeding transaction on my account and i found out that this company had charged $153.00 with out my Concern, so i called then and they said there was nothing they can do , also they said that i agree to the term and condition in which i didnt because i was suppose to call then within 15 days .