Lexington Law

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Lexington Law

verified
  • Free Credit Report Summary & Consultation
  • 50% Off First Payment Spousal and Military Discounts
1-(844) 856-4807

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.

The Good

  • Free Consultation
  • Licensed Attorneys
  • Advanced Credit Repair Services
  • Multiple Discounts
  • Reputable Experience 
  • Online Educational Resources

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. 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.

Free Consultation

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 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. 

Licensed Attorneys

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.

Advanced Credit Repair Services

The credit repair firm offers three services for clients to choose from:

  • The Concord Standard Service: Costs $89.95 per month and includes bureau challenges and creditor interventions.
  • The Concord Premier Service: Costs $109.95 per month and includes bureau challenges, creditor interventions, InquiryAssist, score analysis, ReportWatch, and TransUnion Alerts.
  • The PremierPlus Service: Costs $129.95 per month and 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 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. 

Multiple Discounts

Military personnel and family 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. 

Reputable Experience 

Lexington Law offers a strong 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. The firm promises that it disputes all negative items from credit reports through ethical and legal means. 

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. 

The Bad

  • Speed of Service

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 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.

Speed of Service

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. 

The Bottom Line

With Lexington Law Firm, the good easily outweighs the bad in comparison to other companies in the credit repair industry. According to consumer testimonials and reviews, Lexington Law has many years of experience with creditors and is transparent and thorough with credit reports and updates, but is occasionally a little slower with credit repair processes than expected. The firm provides quality customer service as it is staffed with exceptionally trained paralegals and legal assistants that are set to help you improve your credit.

Lexington Law sends dispute letters to all three major bureaus, Equifax, Experian, and TransUnion, as part of its repair process, which is extremely beneficial to potential and current clients. The law firm also offers monthly credit monitoring and identity theft protection service options for customers to choose, discounts, and a free consultation that includes a free credit score and report summary. This consultation can also help you better understand the firm's credit repair services and what actions the firm will take when repairing your credit. In regard to the information above and the Lexington Law reviews collected, we recommend Lexington Law as the best place to repair your credit.

*Price is for the standard level of service.

We'll Introduce You!

Call our recommended rep over at Lexington Law below.

1-(844) 856-4807

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User Reviews

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2806 Reviews

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Purpledolphin04
April 26th, 2012 Spencer, WV

Ive been with lexington almost a year and have only increased my score 20 points at $89 a month.

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Ryan Jackman
April 18th, 2012 Lehi, UT

This is a funny story, but I was on the phone with my buddy who works for a bank, and he turned me on to this site after being denied a car loan. (Ford Expedition) I didn't do a whole lot of research, and just went with Lexington since they were the top rated. No car loan yet... but very enthused about the results so far. (2 late payments removed).

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Tommyboi89
April 7th, 2012 Lehi, UT

3 items deleted in month one. Very happy. Cool site!

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Tonia Eddington
April 1st, 2012 Lehi, UT

After reading all the reviews, I decided to go with Lexington. Initial consultation was a little long, but worth it. I'm in my 2nd month now, and have just got my first deletion. It's more pricy than I thought, but I goess you get what you pay for. :)

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Jenny
March 16th, 2012 Lehi, UT

Thanks for the informative report! I haven't made a decision yet, but this certainly helps!

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GinnyS
March 12th, 2012 Lehi, UT

650 to 730. Rocked the house for me.

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