Does anyone know about lexington law firm?

I'm thinking about using lexington law firm to repair my credit. I know I know do it yourself don't have the time.Its 2009 people losing there house and there car and there job so are credit is bad.One more question is it easier to get a secured credit card or use lexington law firm.Also has anyone had success with them

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1) Avoid the temptation to pay a "credit repair" firm, as they cannot remove accurate negative info. If you’ve had recent defaults, charge-offs, late pays, then you need to understand this items have to age of your credit report naturally. After 7 years from the date of default you'll get a clean slate. "Credit repair" firms have no special power to magically delete negative items....all they do is dispute all negative items on your credit report and hope that the credit bureaus cannot validate the debt within the 30 day allowable time frame, in which case they must remove the items. You don't have to pay anyone to do this as you can do it yourself for free. Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) within 30 days or remove them from your credit file. Mail a letter via certified mail with return receipt to all three credit bureaus (Equifax, TransUnion & Experian). Include a photocopy of your driver's license and social security card...If you don't include these, they may write back requesting them, which would slow the process down by several weeks. For each negative item, write a separate letter and simply include the phrase: Per the Fair Credit Reporting Act, I am requesting written validation of this item. Do this one at a time for each negative entry....DO NOT request validation for all items at one time. There is NO guarantee that this will work....It may give some decent results. The worst that can happen is that all negative items come back verified.

2) Credit restoration is an intricate, detail oriented process, and it pays to hire an Attorney who understands the law intimately, and can exercise your rights. The only place I found on the internet for an affordable attorney is: http://www.ICanHaz.com/GreatCredit/

3) they will pull money out of your account without notice... i just ended up in the hole cause they did not tell me when they were going to take money out of my account. since i was not aware of the time the charges were going to be taken i got additional "late charges' when the funds were not there... yet i have never recieved a statement from them. crooks i tell you! yes they will send letters to the credit companies for you but make sure you have lots of money in your account at all times to cover the charges. i did not have the time to babysit them, so i canceled my service.

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