I'm trying to find a premium credit repair service to help work towards the goal of removing all included in bankruptcy trade-lines from my credit report. In the past I have dealt with disputing negatives in my credit report on my own with reasonable success, however, this is time consuming, and I would expect that a business that does this as their main focus could potentially be more effective.
Thus far, I have been using lexingtonlaw.com which appears to be the leader in this industry in terms of sheer numbers of customers, etc. They are reasonably priced at $40 per month, and challenge one-third of your items each month in rotation to avoid getting deemed frivolous by the credit reporting agencies.
However, I'm not too impressed with them. For one, each time I call to talk to a real person, I get someone who appears to know less than I know about this subject, but they treat me like they are an expert. Ironically, much worse issues is that they keep making errors transcribing my credit report into their system, and consequently, I've spent a lot of time trying to get corrections to my credit reports as stored in their systems. Finally, they don't have any process for doing Fair Credit Reporting Act (FCRA) 623(a)(8) investigations with the original creditor, so I feel they are leaving valuable tools unutilized.
I've tried to research this issue on the internet and it is very difficult. Very little real impartial information is out there, most websites appear to be veiled marketing for service providers. It seems this industry is very corrupt and filled with scams.
For example, one company I contacted wish for a large up front fee to be held in escrow which is released if they get just one deletion, yet they claim they will do much better and it is not worth the money to get a disgruntled customer that would bad mouth them. They seem to have no negative reviews on the internet, nor positive ones! I asked for some references, but they never got back to me with names I could contact.
Each company promises the world in vague details, but when I press for data like deletion rates for customers, they are mum. I would expect a reputable company could offer compelling statistical data to sell their services, such as imagine: "we get an average of 63% of negative trade-lines removed from our customer's reports in six months".
I am willing to pay for this service, but only for a company that performs above the norm and can demonstrate this somehow. The problem seems to be finding any such company. I expect such a company to take an approach that is custom tailored to my situation, and ideally partners with me to discuss how best to accomplish this.
Can anyone recommend specific companies they have used successfully and why they feel this company did a good job?