I signed up about a year ago. Since then I've gotten every collection account removed, and my score is up from a 502, to a 703 +201 points!!! I will soon be house shopping and have been approved for a mortgage. Thanks to the fine services Lexington Law provided me. When I finally get my house, I will hang a picture frame up with your logo on the wall. Changed my life.
Soooo, my mother-in-law is with these Awesome people, she referred them. I have been with them 2 1/2 months now and I've had 4 removals & credit went up. I am 23 and my credit was very poor & it's hard nowadays to get anything without credit. So don't get me wrong I was a little skeptical because $100 a month was way too much was my first thought. But when I received that email today showing the removals then checked my credit I screamed. Not only that they send emails occasionally informing you of any updates which is also awesome. I highly recommend Lexington Law Firm to everybody. Now my own mother is going to try it out.
I just signed up a couple days ago and already got some positive results. I was quite surprised because they said it could take up to 45 days. It was very much needed because I was in the middle of trying to get pre-approval on a mortgage loan and suddenly found a bunch of things wrong on my credit report. It's still being worked on, but results so far are incredible. A couple realtors even told me that the company was junk and to run away, get out now! I didn't listen. It's just one of those things where you have to roll the dice and see if it's going to work in your case or not. Now my VA loan is back up for consideration and I'm on my way towards getting a house. So you can bet, it's worth the money. And vets get half off the first month so if you served don't forget to ask for the military discount. Saved me $50.
Was promised a credit back to my card because $99.95 was taken out of my account in error. Rep said she would refund my card and also provide a credit for November due to their error. Rep told me to wait until the fee posted and upload my banking statement when it posts so refund can be completed. Called back and was told they can't see where I was charged. Uploaded my bank statement like I was told and still was told that they can see where I was charged $99.95 but can't see it in their system.
Called my bank and was told Lexington Law has taken the funds out like I seen on my statement. Spoke to a supervisor who was no help at all. Trying to get my money that was promised to be credited back to me has been a hassle. I will not be doing business with them. Closing my account as well as my daughter's account. Found a new company to do business with. Avoid wasting your time. They only want your money. No help at all!!! Believe me it's a scamming company!!!
I used Lexington Law for about 10 months. After about six months I downgraded my services based on services they described. After another four months they had performed none of the described services but also would not return the money taken. I think this is one of the types of firms that profits off the confusion and difficulties that surround credit reports. Having used them for a while I would warn others away from them.
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I been with them since July and my credit score was 545 and had some hospital issues which made me fall behind and loan I couldn't pay, due to health issues. Anyway long story short, I have a cousin that went through LL and have a house owned now, so they referred me. It was the best decision I made and they are so professional, polite and get right to it. There has been small issues, but were fixed right away...of course no company is perfect, so you can't expect perfection right away. My score is now 560 after just 2 months and I have 19 removals already with 21 remaining.
As soon as I get letters in the mail from creditors I call them and they take note right away and guide me through the way if there is anything in my part I need to do. Overall, I expect good things and my money is invested in them to help...it was my doing and unexpected situations that got me to where my credit was...so I am appreciative they are helping me get back on track. Thank you, Lexington Law and paralegals. I can't wait till my score increases and hits 600 then 700. I plan on keeping this company even when my credit is at a good stand, so in case anything happens I have them to guide and help me through the way. My $119.95 is well invested and I am a happy customer.
This company is a scam. My boyfriend and I joined three months ago and after being told a bunch of BS and multiple charges out of my account for two months, no progress made in either of our reports... We called and cancelled at the same time and was told a one time cancellation fee will appear on my account the next month (Sept.). Like she said two charges came out of my account. One for him and one for me... Now my account was charged again for 27.99 today (Oct.). I called and they said that it's the last payment for my boyfriend's account. What in the hell were the two charges last month for then??? They promise no more charges out of my account and we are done with them. I guess to be seen... Straight up scam is what this company is!! I would never recommend anyone.
So I received the 5 day free trial and the fifth day ended up landing on a Saturday which is when I work until 330 pm central time. I tried to call to cancel the membership since there is nothing they can do to fix my credit. Since they were closed I went on with my day and called on Tuesday to cancel my membership since I got out of work early and they said they could only refund me half of what I paid even though they did nothing to help my credit. And now I am short $50 to pay for my special needs brother's therapy. This was very unjust and I do not recommend them to anyone!
This started with their overly aggressive sales force which was unsolicited, that would not take no for an answer. That Johnathan would not get off the phone and in lieu of my repeated explaining to him financial conditions he would not give up. He is working with character in an online loan service to get referrals which is highly unethical but I understand the referral fees are lucrative worth the risk. The service itself was okay at best. They claimed to have removed a few items but nothing significant.
The main concern I have with Lexington Law is the service was canceled on August 30, 2016 and oddly they debited my bank account on October 1, 2016 for an allegedly past due amount for August. In the figure was included payment for "credit reports" that were pulled in August 2016 that were paid for at the time they were pulled. Sounds like double billing to me. The worst part is this amount of $120 was drafted from my account on October 1, 2016 without a word, email, text, paper statement, or phone call from Lexington Law.
When I called today October 3, 2016 and talked to customer service I was told the $120 was a past due amount for August 2016. They gave me some "song and dance" about they take payment after they perform services. Really? My understanding talking to their well trained sales professional, Johnathan, the service is prepaid. After all your customers "don't pay their bills", why would you wait bill them after performing services? All attorneys I've ever worked with want payment in full, up front.
What company in America does not hound customers for past due amounts via email, text, bill collectors, phone calls, paper statement, etc? Drafting money out of past customers bank accounts without authorization from customer is abusing sensitive information, i.e. Debit Card information on file. Yet they are getting away with this.
Service was great to begin with, but then the texts and emails regarding removals slowed SIGNIFICANTLY after the first couple months. Their excuse was because as they got deeper into the credit reports, certain items took more time to have removed. Lies. The few emails that I did get after the first couple months were the exact same items (multiples of same item on same credit report) that they had already removed from my credit report. How is it so difficult for you to have my 120+ day late school loan item removed when you have already had it removed over 10 times in all 3 reports combined? They start dragging their feet so you won't cancel.
And then when I finally did cancel, the rep tried to sell me another item in which I told her I didn't want because I couldn't afford to pay them right now (situations came up and I was in a bind), and ALSO that I would rejoin once my financial situation got back on track. She agreed and told me I wouldn't have any further payments due. One week later they charged me again and called in to refute. The rep told me that the notes he saw showed that the previous rep had told me about a final invoice (which she never did) and an amount of the invoice (again. Never did). This "credit repair" agency overdrew my account and refused to do anything about it. They lost a very loyal customer. I even referred people to them that actually signed up! Never again. I'll NEVER go back to Lexington.
I was with Lexington law for 2 years... $2400 and yes they did get some marks off. They drag on to collect more money... Finally I realized what they were doing and investigated how they removed those negative marks and it finally dawned on me! So I tried my way of sending certified letters to the credit companies with certain words in the letter and lo and behold I had 15 neg remarks removed in 1 week! Yes I had a lot of bad marks due to an accident a few years back... Anyway I asked about why they were so slow and how I got 15 removed and that took them 16 months to do. Guess what? They canceled my account as they said nobody can do that and that the remarks and neg marks will return. Well 2 months later and still gone, my fico went from 401 to 687 in 1 week. Yes it cost me for the certified letter but let me tell you it was well worth it. Moral of the story... Stay away from Lexington law!
They charged me 99 bucks and told me lies to start with. Then 2 weeks later I get a letter from a creditor, so I ask Lexington Law how I should handle it (after all I am paying them for help right) and I get nothing but a big runaround and no straight answer. I finally get fed up and tell them to just cancel my account (just paid to open it 2 weeks ago) and they tell me "ok". They're billing me another 56 bucks. They have done nothing to assist me in my credit. It even went down 5 point with one credit report for what they did. They are a joke. Please do not get scammed like I did. I am out 155 bucks and they did nothing I could not have done myself by clicking the dispute button on the free credit karma credit report.
I started with Lexington Law August 31, 2016. I was very excited to get the few negative items on my report knocked off because a friend recommended them. So, a few days go by, I was happy to see that one negative item had gotten removed. So, THEN a few days later that same negative item shows BACK UP on the same report. (Not sure why) So, I call the company ask them to please explain to me why that happened, (long and short) their system only updates every so often (that's what they say). So, not only do I use creditkarma.com to monitor my credit, but Creditkarma seems to be on real time w/ TransUnion and Equifax. So, I call Lexington Law and ask them, "HEY, why doesn't the FICO SCORE update like it does on Creditkarma?" (Their response?) (We use an updated version in our system, etc)
So, for me, that was some hogwash because I got my score directly from TRANSUNION and lo and behold whose numbers were up-to-date, (Real time?) Creditkarma. So I'm looking at two different scores the entire time, which became very unsettling for me. I have no time to WAIT on the company to be able to "pull a score?" I asked them why is their system "late" if it's UP-TO-DATE? (So at that point I lost all belief in what they could do for me. And it's only been a few short weeks. So, I decide let me look up reviews since I was feeling a bit unsettled on this manner, and LO AND BEHOLD two star ratings. (WOW) I knew all these people couldn't be wrong. So, the fact I was feeling unsettled and not comfortable with this company (full of paralegals) just didn't sit right with me.
So, I decided AFTER another negative item shows up on my report a few days ago. (GOT DAMN IT!!!) Why am I getting notified that there was nothing negative to report this week from Lexington? (So their system is out of date) #1) and #2) their "staff" is a bunch of paralegals. That's not something I felt comfortable with. If I were working HAND IN HAND with an attorney as an individual I'd feel more comfortable, which is what I opt to do. So, the fact that their system is out of date, you have to WAIT every 30, 60, 90 days (as protocol). It's a MONTHLY service. It's a great BUSINESS MODEL for anyone buying into it. But I can do this stuff on my own. All it takes is some initiative. And that is the one thing that Lexington Law showed me, I can do it my damn self. So, this is an honest review. I'm not here to say they suck, etc. That's just MY story in a nutshell.
I signed up although reluctant due to the cost and in 3 weeks I had updates that moved my score up about 60 points. I had a judgement that was over 7 years old that was trying to collect and threatened to levy my bank account and Lexington Law referred me to their attorney and not only did they force stop any collections but the creditor requested to remove my name and drop all charges! Now I can buy a house or a car without having to pay that off first. I am very grateful for their service and recommend them to anyone who needs a fresh start. What do you have to lose? :)
I have been a client with Lexington for about 6 months. So far I have seen 15 negative items removed from my credit and my score has increased about 90 points. My credit was pretty bad initially and I was unable to get approved for any credit. After a couple months I started to see negative removals items dropping off my report. I now have 2 new credit cards and a store credit account that I am using responsibly to help rebuild my credit. They are a bit slower than other credit removal services, but they get results. The cost about $100 a month and a bit more expensive than other services. But the customer service is great and the online credit monitoring tools are helpful. This is a reputable company that provides solid credit repair services. If you are looking for a quick fix or a cheap option for credit repair, look elsewhere. But, if you are patient and committed to fixing your credit, Lexington Law is for you.
I originally would have given them at least 3 stars, until I realized that they apparently lied to me about something important. They did get some things removed, albeit very slowly for that $99 per month. I asked them why it was taking so long, and that it seemed like they were dragging the process along. I was told that "they can only challenge 3 items per month per bureau, otherwise the disputes will get kicked back." I didn't believe them, I stopped using them and switched to a local firm, who attacked everything at once, and guess what? NOTHING IS GETTING THROWN BACK AND THINGS ARE GETTING DELETED IN ROUND ONE that LL went after time and time again with NO SUCCESS.
I asked them why are they hitting it all at once, won't it get kicked back and they said NO. And they're right. And they only charge AFTER things get deleted. I'm amazed at these people and the success rate. So, to me it seems like the LL sales pitch is not legitimate with the way they drag things out. I'd much rather pay $600 over 2-3 months for things that are actually gone than $800 or more over 8 months or more while things creep along, not sure if they'll get deleted at all.
As with so many people I see, I was with them for a while at a 100 a month. Score never changed and it took forever to get a response. Don't know how they are number 1. But very disappointed. I'm an older gent who needs helps and not to pay 100 a month for a year or 2 to get something done. Save your money because I lost. What happens when they fix your score. Who knows, didn't happen. But if you're happy with them by all means stay with them. I can't afford it.
I'm very upset I was charged 120 7 days after starting when I was told I was going to be charged pro-rated amount based on services started then and a month I'd get charged 120 every month. On top of that attempted to cancel on the Sunday after the Wednesday evening I signed up only to see they are not open Sundays and no button to cancel on automated phone line as well as logged in and didn't see a cancel button. So Mon was Labor Day so assumed they were closed. I see on my account today which is Wednesday I was charged 120. Called today and resolve. Was on phone 45 min to get nothing resolved from agent or supervisor. Asked for complaint line, no one has a number, they don't have one etc. So I decided to write reviews about my experience on every review site.
DO NOT sign up for this. They tell you a bunch of stuff take up a bunch of time so by the end of a over a hr call you saying "Ok ok and ok" not realizing when you call the "paralegals" you get nowhere... I basically paid 120 for nothing. I get free credit reports online with access and all that for free with same info and she said yesterday they sent out letters to creditors to attempt to start a challenging process. I'm sorry I don't have money to waste. I'm beyond pissed and wouldn't recommend them to anyone.
Signed up in February, 7 months and $700 later they have done nothing, a few removals, but nothing since March. My credit scores have only gone up by me contacting the credit card companies myself and paying them in full. I cancelled and still got charged. I did get a refund for what they charged after I cancelled but after 20 minutes on the phone with a "supervisor" even she couldn't tell me what they did for $700. What a waste of money!
After 6 months they have removed only a handful of negatives off my credit. The only times my credit really improved though was when I got new cards or got my limits increased on a card. I was starting from a bankruptcy so none of these negative items should be on my reports anymore, there's no real dispute! They got almost nothing done and when I called to cancel they claimed it takes 9 months to a year, something they never represented when I first signed up. In fact the original salesman was indiscernible from a slimy car salesman.
I've done credit repair on my own, with great success, in just 3 to 4 months. I know it's a lot of work, which is why I wanted someone else to do it this time. But this is crazy. If I had just taken that money and put it directly onto my credit cards, it probably would have bumped my credit up more than they were able to! I'll just get a Credit repair for Dummies book and do it my freaking self! Waste of time, waste of money. Do not bother.
NEVER did anything that they said they would. Months of paying and nothing was changed on my credit. Their website kept updating that things were changing but nothing changed. Was charged for this month even though I asked to cancel and they charged me anyway. Call and they said they couldn't refund me. I will be disputing it with my bank. They offered me $50 to go away but I want all of my money back!
Please stop calling our place of business. No one here has any business matters with your firm. We have called your office numerous times and we are still getting calls. Last night 10 messages were left on our vm system. ** are the numbers you are calling. PLEASE take them out of your system.
So horrible I have enrolled and cancelled all on the same phone call. Been on hold for over an hour attempting to cancel, only for the so-called paralegal to come back on the line every 20 minutes or so to advise how short staffed you are. You are very quick to answer the phone for new sales yet hope your client tire out trying to cancel. The scare tactics your reps use such as "are you sure you wanna cancel? You have 55 negative items." Well, let's take 55 and divide that by 3 credit bureaus and you have, of an honest statement, HORRIBLE service and complete misrepresentation of what you offer. You want to take my payment, and then YOU expect ME to tell you how I want to dispute. Shouldn't YOU, the law firm, be able to look at my credit report and then YOU tell me the best course of action? Instead, I had to choose from a list of dispute reasons given by the credit bureaus so you can do the same thing I have already done.
I had one incorrect item that appeared on all 3 credit reports. The item was incorrectly reported by a local utility company due to incorrect name and address. I called Lexington Law on March 31, 2016 and they were confident they could get these removed for only $99/month. 4 months later nothing happened. I finally cancelled my service with them on July 31, 2016. During the 4 month time frame when my subscription was active, I contacted them every few weeks to get an update. Same story... The inquiries are "in process". Come to find out they accomplished absolutely nothing to repair this one simple issue.
Finally, when I called to cancel, they said, "oh we can make this a priority." This was the only reason why I paid them... To fix this simple issue and nothing was accomplished. This was a complete waste of $400 and I would not recommend them to anyone. At the end of all of this, I called the utility company directly and after 4 or 5 conversations, the utility company was able to get the items removed.
These people are a scam artist. They tried to tell me that my husband's and my payment didn't go through. We never received anything from them saying it didn't. They were going to charge us $20.00/ea for the overdraft fee. It went through our bank. I talked to 2 paralegals (supposedly). One said I couldn't talk to a supervisor and hung up on me. The second one got me to a supervisor. She was to call me back never heard back from her. Called and talked to another person and finally got everything taken care of. No payment due. My husband's bill was dated the 1st and mine on the 19th. We both signed up the same day. I'm waiting for the emails about the cancellation and no payment. I'm having my husband cancel his debit card today. Not taking any chances of them charging us.
This is the problem I went through to cancel this. They tell you that you have 5 days to cancel and that you can cancel before the first of the month without having to pay anything. The only problem is, they charge you for what they have done during the month besides being charged for the next month. They charge you for every day they supposedly do something for you. They tell you that they send out a contract but we never received one. They showed us things were taken off our bankruptcy on the credit report. Bankruptcy stays on your report 7-10 years no matter what. Be leary if you use this company. Read other experiences and make up your own decision.
I paid over $300 for 2 months of service. I was moving and needed help improving my credit score. Lexington claims they sent letters of challenge (I never saw them) and my credit score went down 8 points!!! Ripoff.
I signed up with Lexington Law about 6 weeks ago and after being burned by another so called credit repair company and reading bad reviews about Lexington Law I have to say they have done quite a bit in the 6 weeks I have joined and they have been very informative and respectful in every aspect. I will continues to report the ongoing progress as my journey proceeds with them.
I started with Lexington over 14 months ago and only used them for 8 months. I contacted a salesman, he called himself a paralegal, named Thomas. He bragged about being a law firm and helping thousand of people a year and yada yada yada. He got me a credit report and told me it would be $99 a month. After 5 months I realized that they didn't go after all of my accounts or all the credit agencies at the same time, there was no attorneys working my file and they only sent simple dispute letters to the credit agencies. I started reading reviews on this site and read about someone mentioning White, Jacobs and Associates. They fixed my credit and helped me get into a home in 4 months. That's half the time I wasted with Lex Law. I wasted a lot of time and money with them. I did have a few accounts come off but some of them came back on. Overall a waste of time and the sales process is annoying!
I have used Lexington Law service for over a year and seen some results. The results were 2-5 removals a month at first and then the last several months the removals shrank to where there were no removals. So at this point I felt maybe I need a more hands on approach and I contacted Lexington Law to cancel my subscription. I knew that the person would try to talk me into staying as a customer, but I wanted to cancel. Towards the end of our conversation she informs me that I will be charged for August... $99.95 for canceling?? She did go on and on making up some BS about how the work had already been done. Why would you offer a monthly service if you only burn your customers when they cancel?? I'd highly suggest anyone looking into Lexington Law to do your due diligence and look at other services that offer the same.
I managed to do in about 30 minutes or less than what Lexington Law promised to do for me in 2 months. They are not being straight about what they are advertising. They put my account as a dispute, which it really was not. I have since got in touch with another credit repair specialist, who I hope will assist me. I am afraid of getting ripped off, but then again, I cannot fight these credit bureaus by myself.
Lexington Law Company Profile