Lexington Law Reviews
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About Lexington Law
Lexington Law is a credit repair firm that helps clients address inaccurate or questionable items affecting their credit score. The company says its clients have seen more than 83 million items removed from their credit reports since 2004.
- Free online credit assessment
- Straightforward service plan
- Online chat available
- Pricier than some competitors
- Not available in Oregon
Helpful Reviews
How Lexington Law works
You can take a free assessment on Lexington Law’s website. During the assessment, you’ll receive a credit score, a credit report summary and credit repair recommendations. If you enroll in Lexington Law’s paid service, you can use its client dashboard to view your latest scores and reports and track disputes or negative items.
After enrollment, Lexington Law works with you to challenge credit report items like duplicate and fraudulent accounts. If you have fraudulent inquiries on your credit report, Lexington Law may provide attorney-written letters that you can send. Sometimes items require more than a challenge letter to be removed — in these cases, Lexington Law handles additional correspondence with creditors.
Lexington Law plans
Lexington Law only offers one plan. The following services are included:
- Access to lawyers and paralegals
- Monthly TransUnion FICO score updates
- Bureau challenges and creditor intervention letters
- Access to a financial literacy library
- Debt collector call assistance
- Credit score analysis and improvement strategies
- ID theft insurance
Lexington Law cost
Lexington Law doesn’t charge for its initial credit assessment. If you enroll in services, you pay $139.95 per month. Your first payment is due five to 15 days from your start date, depending on the billing date you choose. After that, you’ll continue to be charged monthly until you cancel.
Spouses who sign up for services are eligible for a one-time 50% discount. Lexington Law also offers veterans and active military a 50% discount on their first payment.
You can cancel Lexington Law at any time by contacting the company through your online account or by phone. Once you cancel, Lexington Law says no additional work will be performed, but you may still be charged for services already completed.
Lexington Law FAQ
Where is Lexington Law available?
Lexington Law offers services in 49 states, excluding Oregon.
How much does Lexington Law charge?
Lexington Law doesn’t charge for its initial credit assessment. If you enroll in services, you pay $139.95 per month, starting five to 15 days from your start date. You’ll continue to be charged monthly until you cancel.
What is the phone number for Lexington Law?
Lexington Law doesn’t accept sales calls, and the listed number, 844-713-4465, directs callers to the company’s website for assistance. Potential clients who want to learn more about Lexington Law’s process should visit the website or use its live chat feature to ask specific questions.
How long does Lexington Law take?
The amount of time it takes to see changes depends on your specific case. Lexington Law reports that 72% of its clients saw their credit scores improve while using its services. Among clients whose scores improved, 87% saw an increase of 40 points.
Can Lexington Law remove charge-offs?
If a charge-off is inaccurate, then yes, Lexington Law can help you dispute it with the credit bureaus. However, Lexington Law can’t guarantee that a charge-off will be removed from your credit report. Accurate charge-offs can be difficult to remove, though Lexington Law says consumers may be able to try negotiating with a lender or debt collector.
Can Lexington Law remove unpaid collections?
Like all credit repair companies, Lexington Law can’t guarantee that an unpaid collection will be removed from your credit report. However, if the collection is inaccurate, unfair or unsubstantiated, Lexington Law can help you challenge it with the credit bureaus and creditors.
Still have questions?
Is Lexington Law legit?
Yes, Lexington Law is legitimate. The firm employs real lawyers, and the staff stays up to date on the often-changing laws around credit reporting and disputes. If you need credit repair services, it’s worth scheduling a free online credit assessment with Lexington Law.
Lexington Law Reviews
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- 4,911,376 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
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Reviewed Nov. 3, 2025
I'm recently divorced and my ex-wife was paying my son's student loan and I didn't even have the login information for it. I got dinged on my credit, it goes from 785 to 540, because she did not pay the loan. It looks like I just defaulted on four different loans. And as a business owner and somebody who uses their credit for business, that's a bad deal for me. And I really had no idea what's happening. And so, I got it put on my credit report. And the first thing I did obviously was call the student loans and said that I need to make it right, but it was on my credit and told me there was nothing they could do about it. Lexington sent out some letters on it. They removed it from my credit. Even though my credit still isn't back to what it was prior, it's not 540 anymore. It's gonna take time.
I also have a daughter that was born with a heart disease. So, we had doctors on our credit we've never heard of before and never got a bill before. Credit is a wild thing and people tend to not understand it. And I didn't fully understand it either. So, I started looking into it. But they've helped get my credit back on the better side of it.
It’s worth it to have Lexington Law. I also use them to monitor my credit. So, they let me know when something happened. I’ll recommend them to people who are looking to get their credit straight. The price is worth it for the peace of mind although it's a little high for the average consumer, especially for people who are not really needing a lot of letters sent, a lot of consultation, and just for maintenance.
Thank you for sharing your detailed experience! We’re glad to hear that our team and tools were able to support you through challenging credit issues and provide timely updates. It’s great to know that our services have offered peace of mind and helped you monitor and improve your credit over time. We appreciate your trust in Lexington Law and your recommendation to others navigating similar situations.
Reviewed Nov. 1, 2025
I had identity theft. I did a free trial with Lexington Law and they were good. They kept me updated, sent me alerts and helped me a lot with my credit score. Everything was great.
Thank you for taking the time to share your experience. We’re glad to hear that our services, communication, and customer support met your expectations and made a positive difference in rebuilding your credit after identity theft. Our goal is to provide consistent, transparent support throughout each client’s journey, and your feedback reinforces that commitment. We truly appreciate your recommendation and the trust you placed in us. If you have any specific questions, our knowledgeable agent representatives are available to assist you through our chat: https://www.lexingtonlaw.com/about-lexington-law/contact-us.
Reviewed June 7, 2026
Hoping to fix my credit, I signed up with Lexington Law and their application was pretty lengthy. There were a lot of financial questions and the process took 20 minutes. I've been with them for five years now and their credit repair service has been very good. I'm pretty much through with the program and I've got my credit back around 700. Back then I was down in around 500. They've helped me dispute some medical bills that were hanging from a loss of my son and now, I'm just paying 24.99 a month. They keep an eye on things for me.
People get nervous about them being a law firm, but my significant other is struggling with her credit a bit and I told her she needs to use their service as well. It's an effort on my end, because I got to sign papers, but they do most of the legwork. It's just a matter of communicating with them. They're awesome and working with them has been rewarding as long as you do as they say. Communication has been clear, and the experience has been enjoyable and not really stressful.
Thank you for sharing your experience and perspective. We’re glad to hear you’ve seen progress over time and found value in the process and communication throughout your journey. Credit improvement is a gradual process and can vary based on individual credit profiles, the nature of the accounts being addressed, and how quickly creditors and credit bureaus respond to updates and disputes. While outcomes differ for each client, our role is to work on identifying and challenging potentially inaccurate, outdated, or unverifiable information in accordance with applicable consumer protection laws. We appreciate your feedback and are glad to hear the process has felt manageable and supportive for you.
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Reviewed June 4, 2026
A colleague recommended Lexington Law. They’re truly a law firm that would exercise certain legal maneuvers and activities to improve your credit scores. I know a lot of credit repair places. But Lexington stands out a bit from that in that they're specifically following the US law that applies to credit bureau reporting and accuracy.
Their enrollment process was fairly straightforward. Basic questions, name, social security number, perhaps current or past addresses, information so they can reach out to the credit bureaus on your behalf to get things started.
For the cost or the price of the service, it’s a decent value in what you get out of it, but it’s not something that's gonna happen overnight. But I've recommended them to friends, family members and colleagues. And if you stay with it and respond or stay on top with their help so you don't have to stay on it as they are, and at least respond to their inquiries and requests, you will see improvement.
Their customer service has been fairly automated. They have their own cycles and tasks. Rarely do they need to reach out to an individual, which is another plus for me, that it's fairly hands off. I don't have to call anyone.
Thank you for taking the time to share such a thoughtful review. We're honored that a recommendation led you to us and appreciate your recognition of our approach to addressing credit report accuracy concerns. We understand that improving credit takes time, consistency, and collaboration, and we're glad you've found value in the process.
It's especially rewarding to hear that the convenience of our online tools and streamlined communication has made managing your case easier. Thank you for recommending us to your friends, family, and colleagues. We appreciate the trust you've placed in us and are grateful to be part of your credit journey.
Reviewed May 31, 2026
Lexington's service has been really good. I was looking through the internet to see who could help me. Then, they came up and I've been a satisfied customer ever since. My credit was really destroyed, and they got it back up. I've just been so used to just keeping them on that I just said I'm just going to keep them. I feel safe with them taking care of my credit.
What I really like about them is that they would inform me, and then they tell me to send them any letters that I would get, and then just forward them to them. They've kept me well-informed. They've even asked me if I felt that my status was good now that I don't really even need to be paying them anymore, just to be doing that. Because I paid thousands of dollars just to help keep me where I'm at right now.
Thank you for sharing your experience. We’re very glad to hear that you’ve felt supported and well-informed throughout your time with Lexington Law, and that our team has been able to assist you in working toward improving your credit. We appreciate your trust in allowing us to help manage your credit matters and for recognizing the communication and guidance provided along the way.
We are so happy you achieved your desired results and are grateful to have been part of your credit journey. Thank you for your continued confidence in Lexington Law.
Reviewed May 29, 2026
There was a certain credit card issue, and I know Lexington Law did an awesome job of getting that taken care of. The credit card company said, "Thank you for your recent query regarding the transaction list on the last page. The provisional credits that were previously issued during our investigation are now permanent or remain on your account. After pursuing this inquiry with the merchant's bank, we considered an error did occur. The letter services is a notice of final resolution. Your claim has been closed."
So somehow, they charged a fictitious charge to our accountant. That was the only time we needed Lexington Law to get involved in a dispute. But it's nice that we get our credit reports periodically with all three bureaus, Equifax, Experian, and TransUnion. Once in a while, we would get an email that says there's an updated credit report. That's the only time we have communication unless there would be a situation where we needed Lexington Law to step in. We're very happy with the service.
Thank you for sharing your detailed experience. We’re glad to hear that our team was able to assist you in resolving the credit card dispute and that the matter was brought to a successful resolution. It’s also great to know that you find value in the ongoing credit monitoring and periodic updates from the three major credit bureaus. We appreciate your trust in Lexington Law and are pleased to continue supporting you whenever assistance is needed. Thank you for your feedback and for allowing us to be part of your credit journey!
Reviewed April 10, 2026
Lexington Law helps a lot with my credit. It fixes my credit and erases a lot of negative things on it. The first time I did it was a bit tricky. I had to call in and speak with customer service. They had to check my credit. I had to pull it and send it in. It was a bit of a process. But the second time, it was easy on the computer. It took five minutes. The customer service is more online now. If you have a bad credit, go for it.
Thank you for sharing your experience! We’re glad to hear that we’ve been able to help improve your credit and address negative items on your report. We also appreciate your feedback on the enrollment process and how it has evolved over time to be more streamlined online. It’s great to know the process has become quicker and more convenient for you. We’re here to continue supporting you on your credit journey!
Reviewed June 22, 2026
Lexington Law has been a great help to me. Their team is professional, knowledgeable, and committed to helping people understand the credit repair process. I appreciate the guidance, communication, and support they provide. They make the process clear and give you confidence while working toward better financial health. I highly recommend Lexington Law to anyone who needs help improving their credit and taking the next step toward financial freedom. Dr. Anthony
Thank you so much for your thoughtful review. We truly appreciate you taking the time to share your experience. We're delighted to hear that our team has provided you with professional guidance, clear communication, and the support you need throughout your credit repair journey. Helping our clients better understand the process and feel confident as they work toward their financial goals is what we strive for every day. Thank you for your recommendation and for choosing Lexington Law. We wish you continued success on your path to stronger financial health!
Reviewed June 16, 2026
I wanted help to clean up my credit and I was referred to Lexington Law. They've been doing quite well with sending letters and things of that nature. Working with them has been very easy, and I love that they communicate with me when there's something happening as well as when something's been resolved. They notify me via email, which is best since I don't like calling. They get the job done and having them work on my credit has been good on my financial confidence. If you're serious about getting your credit together, they're very knowledgeable about what needs to get done.
Our goal is to provide consistent support while working through items that may be inaccurate, outdated, or unverifiable on credit reports, in accordance with applicable consumer protection laws. We understand how important financial confidence is, and we appreciate the opportunity to assist you on your credit journey. Thank you again for taking the time to share your perspective.
Reviewed June 6, 2026
I've had Lexington Law for years now. I got tired of my credit report not reflecting correct stuff on it. The creditors weren't doing what they were supposed to do as far as removing stuff or report like they were supposed to. On the other hand, I'm happy with what Lexington Law has done for me. Applying with them was quick. I've recommended them to friends and family.
Thank you for sharing your experience. We’re glad to hear that you found the application process quick and that you’ve been satisfied with the support provided by Lexington Law over the years. We understand how important it is for credit reports to be accurate and properly updated, and we’re pleased our team has been able to assist you in addressing your concerns. We truly appreciate your trust and your recommendations to friends and family. Thank you for being a valued client.
Reviewed June 5, 2026
I tried to get a car but I didn't know my credit score was so low. So I reached out to Lexington Law. But I wish I had just kept going with them for my credit score not to drop. I got injured at work and I've been out of work. Workers’ comp didn’t pay anything, not even medical bills. I was checking my email, and Lexington Law said, "Wow, we miss you.” So I reached back out to them and they told me to start making the payments. I got another email a month later saying, “Good news. Check your credit report.” When I opened it up, I said, “Wow.” I decided I'm going to stay with Lexington Law because I'm not going to miss what they charge me a month. They're helping me a lot.
We appreciate you taking the time to share your experience. It sounds like you’ve been navigating a very difficult period, and we’re glad our team has been able to support you along the way.
We’re especially pleased to hear that our updates and ongoing communication helped you stay informed about your credit progress and encouraged you to re-engage with your plan when the timing was right for you. Our goal is to provide consistent support and visibility so clients can make confident decisions about their credit journey.
Thank you for continuing to trust us. We remain committed to working alongside you as you move toward your financial goals.
Reviewed June 3, 2026
I was going through hardship and had credit problems, and I started using Lexington Law. I was paying a membership fee, and once something got settled, I continued paying a smaller monthly fee. The customer support was good when they handled my situation. I’ve been with Lexington Law for years, and it has allowed me to clean up my credit record from things I couldn’t pay that went to collections. They’ve been good so far.
Thank you for sharing your story. Financial hardships can create long-lasting challenges, and we appreciate the trust you placed in us throughout your journey. It is especially meaningful to hear that our team was able to assist you over the years as you worked to address collection accounts and improve your credit profile. Long-term relationships with our clients are something we value greatly, and we're pleased that our customer support and services have contributed positively to your experience. Thank you for allowing us to be part of your progress, and we wish you continued success!
Lexington Law Company Information
- Social media:
- Company Name:
- Lexington Law
- Year Founded:
- 2004
- Address:
- P.O. Box 510290
- City:
- Salt Lake City
- State/Province:
- UT
- Postal Code:
- 84151
- Country:
- United States
- Website:
- www.lexingtonlaw.com
