I started LL in February 2013, just over 2 months ago. So far, I have had 1 negative removed from my TU, 2 from my EQ, and 0 from EX. I initially signed up for the concord premier plain, which is around $100/mo. I figured it would speed things up. With little results, I ended up down grading my plan.
Only after signed up with LL, I realized that you have to be diligent and constantly follow-up with them, preferably by phone, to get anything done. If you send an email, you get a generic response back. An agent for LL said they read each and every email, but send generic responses for time purposes in hopes that it answers our questions, but it really just makes me even more frustrated. I was told that if I send an email I need to specify that I would like a personalized response back and not a generic template response. This is not professional in my opinion and I find myself constantly calling every other day to get updated.
Also, another frustration is that we are assigned to a paralegal who sends us updates on the case status, if any, but when I write an email someone other than my assigned paralegal responds. I don't think I've gotten one consistent person to speak with, either by phone or email. I understand that they have a large firm, but when people are signing up for their services this should be specified.
Another thing I should caution people is that you should probably read the fine print prior to signing up. I didn't know that we had to select a generic signature once we become members so that LL can send letters to the creditors and credit bureaus so that it reflects that it is coming from us and not some firm working on our behalf. I thought it would come straight from LL with our designated attorney signing off on it, but instead I was wrong.
I cannot say many bad things about them because they did remove 3 negative items from my credit report, but it is an EXTREMELY SLOW PROCESS that requires a lot of patience. I am anxious to see more results, but so far nothing yet. I have several letters that have passed the 30-60 day mark and have not heard back anything yet from LL. I won't lie-it is frustrating. I know they have positive results because of the items that have been removed from my CC thus far makes a statement in itself, but it is slow.
Don't waste your money buying into the most expensive plan either. It is not worth it. Save your money and down grade to what is affordable to you because either way, LL will be working toward improving your credit. Also, don't get caught up in the notion that LL can work miracles and produce results instantaneously. For some, as indicated in previous testimonials, they have seen results fast and within a month or so. Speaking for myself, they work much slower than other credit repair firms; they will only challenge 3 items per credit bureau (9 total) per month.
One of the other things I think I should point out, too, is that because LL write letters with your generic signature, the credit companies that have reported you will write directly to you on their findings. Perhaps this was an oversight and something I missed in the fine print, but I began to get confused when I received letters in the mail from creditors validating my request for the referenced account(s). I then had to call LL and let them know about the letter, and had to forward it via email or send the actual letters to them through regular air mail. This is another added expense that can be both time consuming and frustrating.
I am told that I should hear back from the challenges that we sent in Feb by next month (May), more than 60 days past the maximum anticipated response timeframe from the credit bureaus. If I don't see any results OR hear any updates by the time given to me, I will cancel my subscription and see what Sky Blue credit repair has to offer. They are the next runners up to LL and have a good track record so far.
If I do see good results, I will post back. Hope this helps..
