Lexington Law

In addition to a free credit consultation, Lexington Law offers the following three different service levels that clients can choose from:

• The Concord Standard Service — This service includes bureau challenges and creditor interventions.
• The Concord Premier Service — This service includes bureau challenges, creditor interventions, InquiryAssist, score analysis, ReportWatch, and TransUnion Alerts.
• The PremierPlus Service — This service is the highest value service that the firm offers. The PremierPlus service includes everything that is offered in the Concord Premier service as well as cease and desist letters, a FICO score tracker, identity theft protection services, and personal finance tools.

With each service level provided, Lexington Law will work with creditors and the major credit bureaus to ensure each client's credit report is presented as fair and accurate. Credit monitoring services are also included in each plan offered.

Lexington Law also provides the following services:

Focus Track Options

Lexington Law clients can enroll in a personalized Focus Track at no extra charge. The firm's Focus Track options address specific consumer life situations like divorce, military service, student loan issues, medical problems, or identity theft.

Licensed Attorneys

Lexington Law works with a network of 24 licensed lawyers in 19 states, who all receive advanced training in consumer advocacy, consumer protection law, and current credit reporting issues.

Online Education Center

Lexington Law is known for providing easily accessible and free educational resources on its website that are designed to inform clients on a variety of topics including credit history, credit rights, credit repair, credit scores, identity theft and identity protection, credit card usage, things that can affect a credit score like late payments, etc.

Additionally, Lexington Law provides a wide range of helpful general personal finance information and advice on its website. Any client and non-client will be able to use these free, available online resources to further improve their current financial situation and learn more about the repair process.

Concerns

While Lexington Law does offer some information on its website regarding its services, the firm does not appear to provide much information online about its one-time/set up costs, its specific staff credentials, and which states it provides services to.

That said, clients may be able to receive this information if they schedule a free credit consultation with the firm.

Upfront Cost: Starting at $99.95

Monthly Fee: Starting at $99.95

Money-Back Guarantee: Undisclosed

Lexington Law's subscription-based credit repair services start at $89.95 per month. This monthly price is tied to the firm's most basic service level and is on the lower end in comparison to what many other companies charge for their services. That said, Lexington Law does charge more for its moderate and advanced service levels.

Lexington Law also provides the following opportunities to save money:

Multiple Discounts

Military personnel and families can receive a discount with Lexington Law, which is rare in the credit repair industry.

Lexington Law offers 50 percent off of the first-work fee for veterans and active military members. The credit repair firm also provides couples with a $50 discount on the second account's first-work fee when couples sign up for credit repair services.

No Money-Back Guarantee

While having a money-back guarantee or a service guarantee can be a sign of a dishonest credit repair company, consumers may find it difficult to commit to a service, like Lexington Law, that does not appear to have a transparent refund policy.

The firm makes little to no mention on its website of its stance regarding a refund policy. Lexington Law mentions that it does not provide any sort of guarantee because credit repair results can widely vary per person and per situation.