Lexington Law

• Free Assessment
• Licensed Attorneys
• Premium Credit Repair Product
• Multiple Discounts
• Reputable Experience 
• Online Educational Resources

On average over the past 5 years, 340,000 active clients chose Lexington Law Firm to work on their credit repair

Lexington Law has around a dozen in-house lawyers and a network of Of-Counsel lawyers, each with a depth of experience and licensure around the country.

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

Free Assessment

Lexington Law offers a free TransUnion credit report and FICO score summary with a free initial assessment as a part of its credit repair process. 

This free, personalized initial assessment gives the firm a chance to review clients' current credit situations and allows clients to get a feel for Lexington Law's services, the firm's overall mission, and will help clients understand what actions the firm plans to take to ensure their credit report is fair, accurate, and substantiated if they choose to continue their credit repair journey with Lexington Law.

Licensed Attorneys

Lexington Law has dedicated, qualified attorneys and licensed paralegals on staff, providing legal analysis and insights to its credit repair clients. In addition, it provides members with 24/7 support.

Premium Credit Repair Product

Lexington Law recently updated its credit repair services, simplifying from three service tiers to one premium product at a set monthly price — $139.95 per month.

Lexington Law's credit repair product includes assistance and expertise from skilled lawyers and paralegals. Your service will include letters sent to creditors and the three major credit bureaus (Equifax, TransUnion, and Experian). In addition, you will have access to educational resources to help you understand your credit score and the credit repair process, and you will receive personalized improvement strategies to improve your credit. 

Multiple Discounts

Military personnel and families can receive a discount with Lexington Law, which is rare in the credit repair industry. The credit repair firm provides couples with a 50 percent discount. The 50 percent discount is applied to the first payments of both accounts when couples sign up for credit repair services. 

Reputable Experience 

Lexington Law offers a fairly reputable credit repair process in comparison to other companies in the repair industry. Lexington Law has represented over 10.8 million people with their credit since 2004.

Lexington Law is a law firm and prides itself on its strict adherence to both state and federal credit repair regulations including the Credit Repair Organizations Act (CROA). Lexington Law Firm will not challenge information you deem accurate within your credit report.

Online Educational Resources

Lexington Law is also 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.

• Speed of Service
• Consumer Finance Protection Bureau Lawsuit Settlement

Although Lexington Law has several positive features like its years of experience with major credit bureaus and provided discounts, the firm has been known to have one main drawback. When compared to other companies in the repair industry, Lexington Law may be slower in disputing items on clients' credit reports.

When challenging negative and inaccurate items, Lexington Law employs a time-tested and formalized approach to how many unfair and inaccurate negative items per credit bureau it challenges each month.

Speed of Service

Lexington Law credit repair processes may take longer than the average in the credit repair industry; however the time it takes to remove negative items from a client's credit report highly depends on the client's individual credit situation.

One credit repair case may take less time than others due to the type of services the client has signed up for and the amount of repair service that is actually needed in order to repair the client's credit and improve their score.

Consumer Finance Protection Bureau Lawsuit Settlement

In August 2023, the Consumer Financial Protection Bureau (CFPB) reached a settlement with major credit repair companies like Lexington Law and CreditRepair.com. These companies were involved in unlawfully collecting fees from people for credit repair services through telemarketing, which broke federal law.

The settlement, if approved, will make the companies pay a $2.7 billion fine. They will also be banned from telemarketing credit repair services for 10 years. These companies used deceptive tactics to profit from people seeking better credit scores. The CFPB's action aims to protect consumers and address problems in the credit reporting system.