Lexington Law has provided professional credit repair services to individuals and couples for over 14 years. To date, Lexington Law has helped over a half a million consumers resolve inaccuracies on their credit reports. Each year, the certified staff at Lexington Law helps remove millions of negative items. Following a free credit consultation, Lexington Law credit repair clients will receive a customized plan to achieve their maximum credit results.
We consider Lexington Law to be one of the best credit repair companies. With over 14 years of experience, this credit repair service has helped over 500,000 customers and counting improve their poor credit. 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.
The credit repair service also focuses on providing quality customer service and puts great emphasis on helping consumers repair their credit for a mortgage loan, with about 72 percent of clients motivated to purchase a home. Lexington Law clients can also enroll in a personalized Focus Track at no extra charge. The firm's Focus Track addresses specific life situations like divorce, military service, student loan issues, medical problems, or identity theft.
Lexington Law offers a free TransUnion credit report and FICO score summary with a free initial consultation as a part of its credit repair process. This free, personalized initial consultation 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 remove negative items from their credit report if they choose to continue their credit repair journey with Lexington Law.
Lexington Law has dedicated, qualified attorneys and licensed paralegals on staff, providing financial analysis and insights to its credit repair clients. In addition, it provides members with 24/7 support.
The credit repair firm offers three services for clients to choose from:
With each service 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.
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 discount on the second account's first-work fee when couples sign up for credit repair services.
Lexington Law offers a fairly reputable credit repair process, has been in business for over 14 years, and has helped hundreds of thousands of clients with a variety of credit repair situations. Lexington Law is a law firm and prides itself on its strict adherence to both state and federal credit repair regulations including the Fair Credit Reporting Act (FCRA). The firm promises that it does dispute all negative items including late payments, charge offs, collections, and more from credit reports through ethical and legal means.
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.
Although Lexington Law has several positive features like it's years of experience with major credit bureaus and provided discounts, the firm has been known to have one main drawback. When compared to other credit repair companies, Lexington Law can be slower in improving client credit scores.
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. While this process may be slower than other companies for repairing client's credit scores, it actually helps prevent the credit bureaus from assuming any frivolous activity from the firm on behalf of the client.
Lexington Law credit repair processes may take longer than the average company 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.
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So happy I called them! After a bad divorce, I really needed some help. I have been with them since May 5, 2014 and as of today, have had 12 negative items removed ! Looking forward to getting the rest cleaned up and being able to hold my head up again when applying for credit. Lexington Law have been very professional and helpful everytime I have called them. I do not hesitate to refer to friends and family.
Apparently it is a good company but TOO SLOW for me. I had their “Concord”, top of the line and more expensive service for many months. Initially they showed some progress but soon, 5-6 moths passed without any progress. After a few communications showing concern and any further progress, I downgraded to the “credit repair only” service. No results at all, for about 9 months. Yes, 9 months without progress. The weird thing is that when I cancelled, their asked to answer a “service cancellation survey”. The survey said something like the “Concord” service letters to the creditors where more efficient, better or custom to my case. They offered if I wanted a complimentary upgrade to the “Concord Service” and since I didn't find the added value in the first place, I declined. It is risible because these are the details they don't say when you first inquire about the service. So, should assume the few moths that I was on the regular service, they sent repetitively the very same “template letter” to my creditors?
I started LL in February 2013, just over 2 months ago. So far, I have had 1 negative removed from my TU, 2 from my EQ, and 0 from EX. I initially signed up for the concord premier plain, which is around $100/mo. I figured it would speed things up. With little results, I ended up down grading my plan. Only after signed up with LL, I realized that you have to be diligent and constantly follow-up with them, preferably by phone, to get anything done. If you send an email, you get a generic response back. An agent for LL said they read each and every email, but send generic responses for time purposes in hopes that it answers our questions, but it really just makes me even more frustrated. I was told that if I send an email I need to specify that I would like a personalized response back and not a generic template response. This is not professional in my opinion and I find myself constantly calling every other day to get updated. Also, another frustration is that we are assigned to a paralegal who sends us updates on the case status, if any, but when I write an email someone other than my assigned paralegal responds. I don't think I've gotten one consistent person to speak with, either by phone or email. I understand that they have a large firm, but when people are signing up for their services this should be specified. Another thing I should caution people is that you should probably read the fine print prior to signing up. I didn't know that we had to select a generic signature once we become members so that LL can send letters to the creditors and credit bureaus so that it reflects that it is coming from us and not some firm working on our behalf. I thought it would come straight from LL with our designated attorney signing off on it, but instead I was wrong. I cannot say many bad things about them because they did remove 3 negative items from my credit report, but it is an EXTREMELY SLOW PROCESS that requires a lot of patience. I am anxious to see more results, but so far nothing yet. I have several letters that have passed the 30-60 day mark and have not heard back anything yet from LL. I won't lie-it is frustrating. I know they have positive results because of the items that have been removed from my CC thus far makes a statement in itself, but it is slow. Don't waste your money buying into the most expensive plan either. It is not worth it. Save your money and down grade to what is affordable to you because either way, LL will be working toward improving your credit. Also, don't get caught up in the notion that LL can work miracles and produce results instantaneously. For some, as indicated in previous testimonials, they have seen results fast and within a month or so. Speaking for myself, they work much slower than other credit repair firms; they will only challenge 3 items per credit bureau (9 total) per month. One of the other things I think I should point out, too, is that because LL write letters with your generic signature, the credit companies that have reported you will write directly to you on their findings. Perhaps this was an oversight and something I missed in the fine print, but I began to get confused when I received letters in the mail from creditors validating my request for the referenced account(s). I then had to call LL and let them know about the letter, and had to forward it via email or send the actual letters to them through regular air mail. This is another added expense that can be both time consuming and frustrating. I am told that I should hear back from the challenges that we sent in Feb by next month (May), more than 60 days past the maximum anticipated response timeframe from the credit bureaus. If I don't see any results OR hear any updates by the time given to me, I will cancel my subscription and see what Sky Blue credit repair has to offer. They are the next runners up to LL and have a good track record so far. If I do see good results, I will post back. Hope this helps..
I have been with LL since August 2013 and they have removed 14 items out of a total of 87.
I began with Lexington 11/2013 and as of yesterday I had 7 items removed. Lates, charge offs and collections. My scores were in the low 500's. Now my Experian is 644, Transunion 638 and Equifax 580. I had 12 negative items on all 3 reports. I'm predicting by end of year all scores will be in high 600 and moving to 700's. I'm trying to get a consolidation loan, and I need a 680 or higher! Good Luck!!!
I just joined and been with them three weeks and already have had three removals off my report. So it's a little soon. But I am giving it two months to see how well they do for me and I do hope they stay on top of it.
Signed up with Lexington Law 02/18/2014 and already have had over 16 negative trade lines removed WOW!!!! Really this company does what they say and are very easy to communicate with. Their online portal makes uploading a correspondence with a creditor or a credit report a snap. Also checking out what they are disputing on what in line for disputes makes you feel you are in the loop of things. Only down side expensive for myself and wife together over 200.00 month (wished they offered a discount for couples but they don't). That's really the only downside. I really appreciate how this company works and operates. They are very Legit in my eyes. ~Jeremy Reed Murfreesboro, TN
Been with lexington law almost three months and they have removed already removed thirteen items from credit thanks
I had purchased the Lexington Law services in the past and had fairly good results. Unfortunately, I was unable to continue due to financial reasons. I was, though, able to get my fiancée back together and rehire the firm at a later date. For whatever reasons I am not getting nearly the results I was. In fact, I have yet to speak to a lawyer or paralegal as of yet and it's been two months since I rehired them. All in all I think they are an alright firm and have the know how to do as they say. I'm gonna give them a few more months
I've been with Lexington Law for a while and let me tell you, they're the best, I went through a divorce and my credit went to the toilet, but thanks to the good people @ Lexington I will be able to buy a house pretty soon my score when up more than 100 points whithin the last 6 months, great job!! Lexington Law
Just started with LL today. Sounds reassuring that we will be in our new home. And after reading all the good reviews I'm excited. My score as of now is 585.
I have been with lexington law one month and I have a total of six negative items removed from my credit reports. Keep up the good work
I've been with Lexington law firm less than 3months now and I'm pleased with the progress atained. As of now 4 items removed from my credit report and for that I say BRAVO. Keep up the good job and God bless
I started with LL on January 10, 2014. So far I have had 10 items removed between all 3 credit bureaus. I agree that the $99 is a lot but I will give them a few more months to see how it goes as I has 88 items to be removed. I don't know if my scores have gone up but I will be checking soon. Stay tuned...
Just started today with Lexington. They seemed very trustworthy, got to take a risk with fixing my score. I did not hesitate to get in this predicament, but this time I am going in with a plan. This is where I will utilize Lexington to be my right hand guide. I will be in contact with them as often as my time allows. I am trusting in them to help me accomplish my goal. My goal is to improve my credit score first, Then refinance at a lower % my house and I just hope it don't take too long because time is not on my side The low rates won't be her for long. Once I accomplish that I will have extra money in my pocket to pay off all my other bills plus money for food etc.
I had used Lexington Law Firm in the past and saw very substantial results. I went from a 500 credit score to a 650 in about 6 months. I had a job loss in the past and my credit score decreased significantly and my credit report was bogged down with both judgments and medical bills. In the first 30 days, there were already 8 removals (1 being a judgement) from my reports. Lexington Law Firm is wonderful.
I have to admit I was not sure about companies that do credit repairs. I was always wondering if they really work, or are they a scam to take your money and never really do much to fix your credit.....but Lexington Law is the real deal! I decided to give them a try because my wife and I want to buy a house in the near future but my credit score was around 530 and I had 31 negative items impacting my credit middle of December 2013. I have been with them for 3 months and they have removed 10 negative items from my credit reports and are challenging more items this month. My credit scores are around 570 to 590 now in just 3 months. They charge 100 dollars a month, which can be a little much if your on a budget. But... Lexington Law is worth every penny! If you want to fix your credit after you screwed it all up...they can help you but it's going to cost something right! It's a slow process but if you hang in there, I'm sure they going to fight for you like they have for me...thanks Lexington Law ...keep up the good work. Looking forward to seeing my scores shoot into the 600's in the next couple of months....
This is an outstanding company. They have worked really hard at getting items to report correctly on my credit report. I am so happy I found them. I have already had items removed in a months time.
So far ive.been with Lexington for about 2 months. started with 5 negatives and still have 5 negatives i know its a long process and not complaining yet. I wanted to leave a real month by month update of what is happening and progress we are making. So far Lexington has really been helpful and responsive to my questions wheather i call or chat. And still waiting to see those awesome results i keep reading about cant wait. I will repost on 4/21/14 with hopefully a great update for all you.
I have had 13 removals in the Last thirty days and things seem to be on track. Most of my negative items are from third party debt collectors. So far so good..
I started working with them one year ago. First let me say they have been great. People seem to think pay a company and it will all be fixed right away. First let me say this it took you years to get into the bad credit range so it will take them sometime to fix it. Next the web site they give you has very good information on it to help you help them help you and for you to help yourself. Great company would tell anyone to use them. Lesson learned and credit improving.
Just sign wit lexington law firm, my score currently is 603 hoping to get up to high 700's to get approved for a house.keeping my fingers cross for positive results. will keep you updated.
I have recently started with Lexington Law, I already have letters sent out its great my only thing is the miss communication, the company would be great. My husband and I signed up around the same time. We both was calling those numbers that was provided to us from the company we was calling back to back for At least two days straight no answer we had very important questions to ask and its stressful when you keep calling a company and you never get an answer. This is my first time doing something like this so I will keep you updated on the progress. Starting off a little bumpy but I'll give it a try. So, I will keep my fingers crossed! !
I've been with Lexington Law for six months. My credit worthiness is considered poor. My score is about 504. I had 80 negative items on my report within 6 months I've had 34 items removed. I'm actively working with LL to pay the bills I owe and getting the collections people to give me a deletion letter as suggested by LLF. I must say, their service has been outstanding. I had never worked with a credit repair company, so I was a little fearful. Yes! $99.00 a month is bit to chew, but the way I see it, I got myself in this mess, so I've got to pay the to play. I'm going to hang on, until I see a credit score of 700. I believe LLF will help me achieve it. I will keep you posted on my journey.
Been with LLF July 2013, Helping daughter who had cancer & then a divorce. You can imagine the med bills and c-card debt. Had over 70 negs across the three reporting agencies. Starting score 480 Now it is beginning March 2014, Fico of 543. 30 negs gone with 40 to go. I could not have gotten this far without them. Yes it cost about $100 a month but now we are saving that much by getting rid of he negs. Things did get a little slow in Nov and Dec 2013, not many deletions. Last month Feb 2014 we had 11 deletions, hoping to get 4 or 5 more this month. Our goal is to be mid 600's by late fall. It is taking more time than I had hoped but for us the money is worth it for my daughter to get back on her feet and smile again and to boot she is now cancer free. Was the money worth it. Yes, as a father I could not be happier knowing that she is well and her financial situation will improve with time and that we have now. Just gotta be patient.
I must admit there are many things you can have removed yourself on your credit report. Although I am not satisfied with the turn around time with Lexington, I know they have been proven to have items removed off of my credit report. If you have the money, time and patience they are good. The only thing that I don't like is how they draw it out for so long and in the meantime you are spending money on their service. Within a six month period any dispute should be resolved. I feel that the service is great but they do linger it out.
I paid Lexington Law a total of $400 over the last 4 months and I still have 21 of 21 bad items on my credit reports. Just so we are clear, I paid Lexington Law $400 to get nothing fixed on my credit over a 4 month time frame! During this time frame, Lexington had me print out letters and send them off myself to creditors, using my own stamps. You would think they could cover this with my $100 a month payment! Wait time on the phones is just as bad!!! You will wait for ever to talk with a person that knows less about credit then you. Overall in 4 months Lexington Law did nothing for me but take my money. When I asked for a full refund in writing they did not even respond. At that point I ended my pointless account with them. Do not go with this company!! pick someone else and make sure your friends and family do the same!
So far, I've been impressed with a few removals in a short period of time, 2 months. However, there has been a lot of miscommunication and errors with customer service. Not sure I will continue with this company.
Hi, I decided I didn't want to work with Lexington Law and called them. I had no problem canceling, my credit card was never charged, and the person on the line was very cordial and professional. She also did tell me that they have varying plans for people who are unable to pay the monthly rate. If you go to the Better Business Bureau, you will see that it is stated that most people don't understand the law about billing. Anyway, I was never billed, and I did find everyone helpful and professional.
I just signed up. I heard good things and all my friends are waiting to see what they do for me because I will refer everyone to them. I have my fingers crossed.
I started with Lexington a week ago...but i have used them few years ago and they were great...i stop because i couldn't afford them any more.. But now i really need their help again .. I have my credit score at 598 ..and 14 negative items ...paid few credit cards late... And went down again. But I used to to have a score 525 and LLF jump me to 620's and only few months . They had help me before... And i have faith they can do again . And I'm anxious to see new results by the end of the year.. Looking forward to buy a new car and few years from now may be a home. Over roll their service is great and we have to be patience. I will post upcoming results.
1st week in February. 2014 My wife and I signed with LLF. I was very skeptical having had a bad experience with a prior credit repair company still a little scared, but I have read some awesome reports about this company. Their credibility seems to be very high. Anticipating a wonderful experience. There are other members in my family are considering using LLF. I guess you can say I'm the guinea pig. Many spectators in my family are waiting to see the results. I spoke pretty highly of this company. I pray and hope that they can do what they say they can do at this point in time I have seen a very aggressive approach. I like that will keep you updated. Just for the record, I am just an ordinary person that have credit problems not being influenced by anyone, nor any representative of the company will give you progress as it develops. Thank you, Rudy
I would advise anybody who is trying to fix their credit with Lexington law to be careful...the numbers of the negative items moved doesn't reflect on the credit score because simply most of the items removed by them are already old enough to be removed by a simple letter sent by anyone...the score is what matters for everybody, and more money is what matters for Lexington law that why they will try to keep you as long as they can to make more money even though all the negative accounts can be removed in few months only but they make it couple years and believe it or not your score will go up by 35 or 40 points only while doing everything else right .
I've been researching ways to repair my credit and am going about the process to responsibly and legitimately repair it. I've been added as an authorized user on a family members accounts with a minimum of 6 years of positive credit history ( 13 to 15 yrs. for others), have applied and been recently approved for a secured credit card... improving my overall credit utilization to 4-5%, and the last step was looking for a reputable credit repair company. No smoke and mirrors here folks. What you see is whatyou get. I called on September 20, 2013and spoke with Lisa ( a paralegal) she was very ppolite and in conducting her interview process to see where she could help in this journey, and to see if I'd be a good fit with Lexington, and was very surprised at my responses and that I had done my homework (making her job a little easier) as she explained the process, I decided to sign up. I'm currently enrolled in the premier package ($99.95/mo.) and am looking forward to see what they can do for me. I'm a little nervous. As of 09/20/2013, 43 negative items between the 3 bureaus... TU: 12, EQ: 14, EX: 17, average score 551. My expectations are high but reasonable. After all, I created this mess, i'm just paying someone to clean it up for me. I will have patience though. Could I do this myself, yes, but at how much time spent, and how much aggrivation and headaches? So for my sanity and piece of mind, I don't mind paying the $$$. You would be paying close to the same each month either way you dispute these items. Certified mail can get pretty expensive x's the # of disputes adds up real quick, not including the $$$ spent in man hours researching and disputing each item. So, it makes sense to contract a third party to handle my claims, especially one that has such a great reputation. Thank you Lexington Law, Thank You Lisa. Looking forward to positive responses in the future.
Good so far. Will keep u updated
13 years in USA. Never understood the credit at the begin and here i was .Always made a lot of money but i was never approved for anything unless had a huge down payment and the interests were sky high. 525 was my score one year ago. 714 is what i have today. 32 negative items removed 7 to go. Change my life for me and my family. 2 brand new cars ( 70 k total) , a $2000 line of credit on my first credit card and approved for a loan to buy an house. It's an awesome feeling!!! Can't thank you enough!!
I was happy with Lexington Law for the first 3 months. They wrote a few letters each month and got items that were old deleted. They issued challenge letters that were unaffective. But when I called to stop their monthly service they put a hold on my account billing and gave me a few months free. When I called again to suspend service and ask for a month refund they refused. The bottom line is that I gave them 10 months at $80 per month. My credit reports are cleaner but my score stayed the same. with the $830 I spent on Lexington Law I would have been better off paying a few bills (which would have helped my score by comparison.
This is to let anyone that complains about Lexington Law Firm know that you are totally foolish! This company is not slow, the Credit Bureaus stall all consumer and businesses from getting errors and negative items of reports! It takes months and sometimes years and all of you that leave less than 10 should not even bother to write a report about a company that knows what and how to do things!
Been with LL since November 2013 so far so good have 51 negative items and LL remove 13. I'll upset in a month
Actually, I didn't really want to leave a score YET because I'm in the infant stages of this process. My main purpose in writing this review is to ascertain if the other reviews are from real people or merely planted. I can say that if things keep progressing the way they have as far as working on my behalf, then I will definitely be giving Lexington a 10-star rating. I'm cautiously optimistic, however, because while I am willing to pay for tried and true results, all of the "scam" warnings I have read on the Internet give me slight pause. Crossing my fingers!
I have been with Lexington since 2010. Never had not one issue with them. There were a couple times that I was going to cancel because of some $$ issues and boy did they find a way to work with me, in order to keep me! I started off with the highest one where they work on all three reports, but have taken the cheaper one for the past year or so. Yes I agree that it is a slow process, but 30 days IS 30 days. Can't rush days. Every time I have called or online chat, everyone has been professional and have answered all my questions. Awesome job! Now if we can get them stubborn people that respond even though the bill is paid....
I was using Lexington Law for 5 months and I originally was impressed for the first 2 months. But then I realized and was confirmed by another credit repair company that this company only sends out 5 to 6 letters a month. So someone like me we 36 issues needing to be addressed would be financially bankrupt if I continued to use them. PLUS, my score never even changed. So, they got my $500 and I got screwed, big time!!!!!!!!! DO NOT USE THEM...... Trust me.
Outstanding! I started with Lexington Law less than a year ago. My scores were 528,625,548,... There now 668,699,735. and Im closing on my house in 12 days Thank you so much this would have been hard to do on my own. I look foward to dealing with you on the rest of the collections I have paid off after the close so there are none left on the report
They only removed the items that you can remove yourself. The hardest items to remove is repossession, it takes forever and your score doesn't go up until the serious items is removed. #Thanks for not helping my score.!!!
I have been with llc for4mo and yes they are verrrrrrry slow but they are working,i don't know how long I can hold out, I will see in month or too, cause I do have a lot to do,i thought that they would send them letters all out once, but I guess not..
These people are the real deal. I got ripped off prior to using Lexington Law by anther credit repair company. This is why I was very leery about signing any long term contract. Lexington Law didn't ask me to. When I first tried them I was very skeptical but need help. I didn't see results immediately so take heart. This is a process. But give them the amount of time the ask you to and you WILL see results. My credit was BAD a Nightmare. Lexington Law had me up in the high 700's after 6 months! I am not paid by them and I am not a stock holder or anything else. I am just a normal person who had fallen on bad times more then usual. They are so good I am going back again after a bad divorce. I would tell you to try these people first if you have credit issues and you will be happy that you did. May God Bless you and America !
I have been with lexington since 9/13 and so far I have had 20 items removed total from all reports. I believe my scores were in the low to mid 500's to start and I have no idea what they are currently cause I have not checked (might not hurt to check). I reduced my plan today from $99 to $59 today because I didn't need the creditor letters sent out or the inquiry assist. I have 9 items left on equifax and experian, and 10 left on transunion. I was told that transunion is a bit more stubborn than the other agencies's but so far so good. Overall, I'm happy with the results and I'm itching to see these last few items removed and see how my credit score has increased. As long as the items are removed,I'm not too concerned what the score is, tis the reason I have not checked it. I'll post an update when the results are in.
I started using Lexington Law less than a month ago, 12/5/13 so far, they have removed 12 items off of my horrible credit...including an illegal repossession. They have been easy to work with and always responsive to my phone calls and requests. I cant wait to get this mess cleaned up and start over with a clean slate.
I previously post posted Nov 26, I was excited to start with LL. Right now, I am okay with them. I have had 2 items removed but these were not the 1st things on my list to start working on. Additionally, It seem to me that they do more work on the transunion credit. Im in the south so we use equifax the most; therefore, i need them to start working on equifax as hard as they work on transunion. Lastly, you have to order new report monthly to see if the removal has really took place and the affect on your score. I still happy and will update you'll again.
I rate Lexington Law a FAIR 6. The reason I rate them a 6 is because of the help of the website they provide. I have been with Lexington for 6 months now and I am just starting to realize they only challenge a few marks a month. I take it that is how they keep you lured in. Their website is very informative and tells you everything you need to know. They do what they told you just to a slow extent. If I had to make a recommendation it would be to sign up for their service for two months...Let them send our the first set of letters and read up on their information and learn. What I did was print out the letters they provide for you to send in to the companies and bureau's and cancel them and send them in yourself. All my hits are off and they did all the letter generation. That is why I feel a 6 is more than FAIR