Lexington Law

Lexington Law

Lexington Law
3.0(2,147)

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Overall Rating3.0 out of 5
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About Lexington Law

Helps ensure clients have a fair, accurate and verifiable credit report. Seeks updates for inaccurate, unsubstantiated, unfair or questionable negative information.. Monthly fees range from $99.85 to $139.95. Cancel services anytime. Not available in Oregon or North Carolina.

Pros & Cons

Pros

  • Free consultation
  • Straightforward service plans
  • Online chat available

Cons

  • Pricier than some competitors
  • May charge for additional reports

Bottom Line

Lexington Law fees are higher than those of some competitors, but new clients get a free consultation. The company employs lawyers to help execute credit repair services.

Featured Reviews

Verified
Indianapolis, IN

… Lexington Law has been very helpful in how I understand my credit and how important it truly is. In just shy of 1 year they have helped me build my credit from a score of 4 to a...

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Verified
Maidsville, WV

Lexington Law has been helping me repair my credit after my divorce. I am thankful for their help because it was so overwhelming for me to do myself. They have also educated me on...

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What is Lexington Law?

Lexington Law is a credit repair firm that helps amend inaccurate or questionable items affecting your credit score. Credit repair agents analyze your credit reports and financial information. Lexington Law has removed more than 4 million negative items from their clients’ credit reports in 2022, according to the company.

How does Lexington Law work?

New clients can set up an initial consultation with Lexington Law by visiting its website. During the consultation, you get copies of your credit reports and a summary of your credit analysis.

The firm then proceeds to challenge credit report items like duplicate accounts, incorrect inquiries and fraudulent accounts. Sometimes items require more than a challenge letter to be removed — in these cases, Lexington handles additional correspondences with creditors. The firm also offers financial mentoring to help clients maintain their improved credit scores.

How much does Lexington Law cost?

Lexington Law offers three plans, with costs ranging from $99.95 to $139.95.

  • Concord Standard is the company’s basic package. It starts at $99.95 per month and provides bureau challenges and creditor interventions.
  • Concord Premier costs $119.95 per month and includes bureau challenges, creditor intervention, additional score analysis, InquiryAssist, ReportWatch and TransUnion alerts.
  • PremierPlus costs $139.95 per month and comes with everything in the Concord Standard and Premier packages. It adds services for cease and desist letters, a FICO score tracker, identity protection resources and personal finance tools.

Lexington Law FAQ

How much does Lexington Law charge?

Lexington Law has three plans that range from $99.95 to $139.95 per month.

How long does Lexington Law take?

In 2022, according to Lexington Law, the firm averages about 6 items removed per client in four months. The length of your credit repair process varies based on your specific situation.

Can Lexington Law remove charge-offs?

No, Lexington Law can not remove incorrect charge-offs.

Can Lexington Law remove unpaid collections?

No, Lexington Law can not help you remove questionable charges or unpaid collections.

Is Lexington Law legit?

Yes, Lexington Law is legitimate. The firm has a long track record of success. Lexington 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 consultation with Lexington Law.

Lexington Law Reviews

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Page 1 Reviews 0 - 5
Verified purchase

Reviewed Feb. 26, 2023

** this was the one if only one that they didn't have to cover which I covered in the response to delinquency or paying on partial legitimacy of my policy of either my medical, insurance claim, cell phone bill, service for cable, a former credit card topics that have all wrapped up on findings that they've got a debt to be cleared by me sending through a squaring off even the blank statement balance after consolidating and commencing to complete payments in the remaining amount due. With thanks going out to Lexington Law for helping me get an outlook of all of these and legally handling contacting the collections so we are clear and free of any existing debt.

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Response from Lexington Law

Thanks so much for sharing your experience with us. We have loved working with you and appreciate your recommendation.

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    Reviewed Jan. 28, 2023

    It was very easy to complete what I needed to do, there's efficient, professional, knowledgeable, sincere and cared about my situation. They made sure that everything was done correctly and I was happy from the beginning to the end.

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    Response from Lexington Law

    We can’t thank you enough for the kind words. Your review means a lot to us and lets us know we’re on the right track. We appreciate you taking the time to leave a recommendation.

    Reviewed Jan. 6, 2023

    I’ve already recommended at least 4-5 family members to Lexington Law. My score was at 400 due to bills and collections I was in at the start of 18 years old. I was never truly taught about credit scores. My friend did his research and found Lexington law. When I hired Lexington law it was the best decision I could’ve made. Their customer service is spectacular. They were so patient, understanding and really well trained in communicating with their customers. They explained so much to me and helped me understand everything. The actual person who worked my case was amazing as well. In the end they gave me advice and my score went from 400 to 730.. I am currently at 730 something and it’s ALL thanks to Lexington law. If your credit is bad and you need to fix it and don’t know where to start. Lexington law is the place to go. I will continue to tell anyone and everyone who has bad credit to go here.

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    Response from Lexington Law

    We appreciate you sharing your experience so far. If there’s anything else we can do to help, please let us know.

    Staff

    Reviewed Oct. 12, 2022

    While I am just beginning to work with Lexington Law in repairing my credit, each staff member I have interacted with were positive, supportive, empathetic, patient, friendly and professional. Lexington Law's staff, that I have interacted with thus far, are willing to explain the entire process, provide me with information to make proper decisions for me, and are willing to go the extra steps on research to get more knowledge and answers on any question I ask in how to positively work (on my end) to assist in repairing my credit. The staff remind me if I have any concerns or questions that they are there for me and to provide as much assistance possible.

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    Response from Lexington Law

    Thanks so much for sharing your experience with us. We have loved working with you and appreciate your recommendation.

    Customer Service

    Reviewed Oct. 2, 2022

    Great. Lance saw items that were not even mine on my report and sent the escalation after I sent the documents he needed..The company does a great job but I would like calls to keep me informed..great for removing items that are reported wrong and also shows all three bureaus. They show the usage on each card..

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    Response from Lexington Law

    We appreciate you sharing your experience so far. If there’s anything else we can do to help, please let us know. As we are working with your creditors and the credit bureaus, we’ll notify you of updates to your credit profile via email. When you have items removed or improved, you will see them first on your credit report, which is updated regularly online. To access your account online, use the login information you created during the signup process. If you’re having any problems logging in, or just need additional assistance, feel free to give us a call at(800) 341-8441.

    Reviewed Sept. 20, 2023

    In twelve months my credit score only went up about 40 points, I expected better results that would last moving forward. Too much discrepancy between the 3 credit bureaus, not sure which one they contributed to...

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    Response from Lexington Law

    Thank you for your feedback. There are lots of variables that impact your credit score besides removing negative items from your credit report. We would be happy to look in to this further. Please DM your contact information and a representative will reach out. Thank you.

    Reviewed Aug. 25, 2023

    I used the service for about 5 months against the advice of my financial advisor. They only fixed one of the credit dents. I believe it is a great service to fix incorrect entities in your credit report however, if you are looking for a major change in your credit score you need to be doing leg work not depending on the firm.

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    Response from Lexington Law

    Thank you for your feedback. There are lots of variables that impact your credit score besides removing negative items from your credit report. We would be happy to look in to this further. Please DM your contact information and a representative will reach out. Thank you.

    Customer Service

    Reviewed Aug. 16, 2023

    I had some long standing debt and I was trying to figure out how to increase my fico and credit scores! This company did just what I needed with ease and complete and thorough analysis of my accounts. Excellent customer service and support.

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    Response from Lexington Law

    We can’t thank you enough for the kind words. Your review means a lot to us and lets us know we’re on the right track. We appreciate you taking the time to leave a recommendation.

    Reviewed Aug. 12, 2023

    Lexington stayed in contact and was able to answer any questions I had and guided me in he right direction. Things that I forgot to put on my file for removal they questioned it and gave me the opportunity to add.

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    Response from Lexington Law

    Thanks so much for sharing your experience with us. We have loved working with you and appreciate your recommendation.

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    Verified purchase

    Reviewed Aug. 12, 2023

    Lexington Law is a scam. It appears that you are paying for a one time fee but they are charging per month. I had hired Lexington Law to remove 3 negative items: All 3 on Transunion, only 2 of those on Equifax and 2 only 2 also Experian. That would have been copy past. After 3 months and a fourth-month charge pending,
    - Transunion: 1 item was removed, and 2 items remain unchallenged,
    - Equifax: 1 item was removed and 1 is in progress,

    - Experian: 2 are awaiting answer.

    That shows that not much was done and Lexington Law is only stretching time to milk accounts. This is really a scam. Challenge negative items yourself, it is actually pretty easy. Or find a different company that is upfront with their fee and actually does the challenge work.

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    Response from Lexington Law

    We are sorry to hear about your experience with Lexington Law Firm. We have found that each client has a different credit situation which means that time frames and results will vary, which can be frustrating. We would be happy to discuss this further with you and answer any questions you may have. Please DM us your contact information and a representative will reach out. Thank you.

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    Lexington Law Company Information

    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