Lexington Law, a Utah-based firm, has provided professional credit repair services to individuals and couples across the nation for over 14 years.

To date, Lexington Law has helped over half a million consumers with bad credit resolve inaccuracies on their credit reports. 

Each year, the certified staff at Lexington Law helps remove millions of negative items. Some of the negative items Lexington Law removes include:

  • Late payments
  • Charge offs
  • Collections
  • Foreclosures
  • Repossessions
  • Judgments
  • Liens
  • Bankruptcies

With Lexington Law, clients can get access to a free credit consultation, a team of certified lawyers and paralegals, and customized credit repair plans. 

Overall, Lexington Law is a trusted firm and is known for its top-rated, reputable credit repair services and professional staff. 

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Customer Review: Darian Gammage from Las Vegas, Nevada

"Lexington Law was absolutely amazing, from the great customer service to the excellent and professional work on my credit. I wholeheartedly recommend Lexington Law to everyone I meet and to all my family and friends!" 

Read on to learn more about Lexington Law's credit repair services and company discounts, and to view verified Lexington Law reviews from real clients. 

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 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 consumer 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 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.

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 service levels that clients can choose from:

  • The Concord Standard Service: Costs a monthly fee of $89.95 and includes bureau challenges and creditor interventions.
  • The Concord Premier Service: Costs a monthly fee of $109.95 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 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.

Reputable Experience 

Lexington Law offers a fairly reputable credit repair process in comparison to other companies in the repair industry. The firm 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 law 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.

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.

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 companies in the repair industry, 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.

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. The firm has helped hundreds of thousands of people improve their bad credit.

According to consumer testimonials and reviews, Lexington Law has many years of experience with creditors and is transparent and thorough with credit reports and credit repair work updates, but is occasionally a little slower with its credit repair processes than other repair companies.

Although Lexington Law's credit repair process can be slower than expected, the firm is known to provide quality customer service as it is staffed with exceptionally trained paralegals and legal assistants that are set to help you improve your credit.

As part of its credit repair process, Lexington Law sends dispute letters to all three major bureaus, Equifax, Experian, and TransUnion, which is extremely beneficial to potential and current account members. 

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 help you better understand Lexington Law firm's credit repair services and what actions the firm will take when fixing 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.

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Call our recommended rep over at Lexington Law below.

1-(844) 856-4807

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Lexington Law Frequently Asked Questions

What requirements do I need to meet to use Lexington Law's credit repair services?

Lexington Law offers a variety of credit repair services, including a FREE credit report consultation. To get started, all you need to do is give us a call and provide some basic information about yourself. From there, we’ll work with you to determine whether any of our services are right for your credit situation.

Does Lexington Law offer a money-back or service guarantee?

While we can’t guarantee your credit will be repaired, we can promise to help you work to address any unfair or inaccurate negative items hurting your credit reports.

Why are Lexington Law credit repair services better than what other credit repair companies offer?

We’re trusted leaders in credit repair for a reason. As a law firm, our lawyers are experienced in dealing with credit law and in being your advocate for credit justice, and this understanding drives our credit repair process. We’ve proven that when it comes to credit repair, no one does it better than Lexington Law.

How long does Lexington Law’s credit repair process take?

Unfortunately, there’s no way to predict in advance how long it will take to repair your credit, as every credit report is unique. That being said, last year alone, our clients saw millions of negative items removed from their reports, and typically stayed with us for six months.

What are the credit repair service options that Lexington Law offers?

Lexington Law offers a variety of service levels to match every circumstance and budget. You can even get a free credit report consultation, just for calling in. In fact, in 2018, we gave away over 2.5 million FREE credit report consultations. Currently, our most popular service level is also our most robust, at $129.95 per month.

How do I know if Lexington Law offers legitimate credit repair services?

Lexington Law has been a part of the credit industry for a long time, and we have working relationships with the three main credit bureaus, TransUnion, Experian, and Equifax. Our long-standing results and client testimonials speak volumes to the way we do business and to our legitimacy.

How much do Lexington Law credit repair services cost?

Lexington Law offers a variety of services to match every circumstance and budget. Currently, our most popular service level is also our most robust, at $129.99 per month. More affordable options are also available, like our Lex OnTrack product, which costs $24.99 per month.

What payment options does Lexington Law offer?

We accept all forms of payment, except for Discover Card.

What discounts are offered at Lexington Law?

Lexington Law offers discounts to active military and veterans. We also offer to give you and a family member or friend 50 percent off your first work fee when you sign up together.

How do I keep track of my progress after signing up for Lexington Law’s credit repair services?

Most of our clients monitor their credit repair progress through our app or online dashboard. Clients may also call our member services team for updates and more information.

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User Reviews

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3,032 Reviews

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Nick lewis

January 15th, 2014 GA

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.!!!



January 15th, 2014 Quincy, IL

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..


Michele B

January 14th, 2014 Shallotte, NC

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 !



January 10th, 2014 Greensboro, NC

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.



January 7th, 2014 Merced, CA

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.



January 7th, 2014 Homestead, FL

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.



January 6th, 2014 Graham, WA

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



January 6th, 2014 Houston, TX

I've just hired Lexington law like three weeks ago....I had my credit score was 497 when I started and noe is at 510... they do are working pretty quick.......to be honest I don't know how many neg items they had removed so far....but whatever they are doing it's working....my score went up in matter of weeks...... thanks Lexington law......will post at next update.....



December 20th, 2013 Baton Rouge, LA

Lexington has made me a believer from the first month. I have had 11 neg. items removed from my credit report. That's in four months. I have challenge letters that have been sent out right now, and I am expecting results this month as well. I have things on my report that are over 7 yrs. old, and they will get those off I'm sure. I guess I could do this myself, I just do not have time. These guys are great, and they do their job very well. I give them a big thumbs up, and A+ for a job well done. I will post again when they update me. Here's to Lexington Law!!!


Anna h

December 12th, 2013 Fort Lauderdale, FL

I have been with them less than one month and they have removed 6 negative items off my credit score. They are the best and the $100 I pay every month is very much worth it. Thank you Lexington Law.


Terrell Wroten

December 9th, 2013

They really do get it done.



December 6th, 2013 Baton Rouge, LA

It's been three months, and I have had 15 negative items removed! My fiancé has had 11 removed! We are planning to build a house soon, so this is ideal for us. Sure, it will take time!! They do their work though, and it is the not really them that makes it slow...it is the credit bureaus. They have an appointed time to respond, and that is what takes time. I give them 10 points all the way! My Transunion score is now 655, and the other two are increasing also. They are very nice with emails, and chat. They are doing what I paid them to do. Plain and simple!! Give them a try, and I promise you won't be disappointed. Just remember, it takes time to see results. It does not happen over night folks! We messed our credit up, and they help us fix it! They are awesome. **** :)


Daniel Mejias

November 26th, 2013 Newburgh, NY

I've been with Lexington law since may of 2013. I had a total of 16 items on all three credit bureaus combined. I now only have 2 on experian, 2 on transunion, and all items removed from my equifax. I pay Lexington law $100. A month. So far I've paid them $700. Total since I've been a client of theirs. To me it's worth the amount I've paid them because just one of the 16 outstanding debts that I had was well ove $1,000. And Lexington law had it removed. Because of the choice that I made choosing Lexington law I will be able to apply for a home loan in the very near future. Lexington law is giving me a second chance a great credit :-) I would definitely recommend Lexington law to any and everyone who is seeking to improve their credit.



November 26th, 2013 Homestead, FL

I just started with LL the beginning on Nov 2103. I'm not sure yet but have heard nothing but good things about LL. They say they average about 11 removal every 3 months... I only have 8 negatives but really only 2 that I definitely want removed. I am giving them the 3months that they say it normally takes them. Iwill be back with an updated. So far, in only one week they have sent out letters to about 6 of those 8. WAITING on results



November 25th, 2013 Benton Harbor, MI

I just recently signed up with LLF, and I am excited about what they can do for me. I want to purchase my own home and pay my own mortgage. I have faith in them and I am going to be patient.


Cassandra R

November 15th, 2013 Tuscaloosa, AL

I've been with Lexington since July of this year and have had 22 negatives removed from across the board of all three credit reporting agencies. My score went up 17 points and I am very happy with their results. I had a total of 51 negatives to start and I understand that there will be some difficulty and it may take some time with some of the removal, but their accomplishing something that I would've had no knowledge of how to achieve. My credit has been not good for so long and gone this long with my credit not being so good and I am willing to wait because just think of how much I owe these people in comparison to what I'm paying Lexington to assist with this process. If it gets too expensive you can downgrade to a lower pkg. You have to have patience and after having not so good credit for so long, I can wait a while longer. Thank You Lexington!!!


Mike Jordan

November 15th, 2013 Miami, FL

Started out pretty quick but after a few months they slowed down drastically. Last month no disputes were sent out. They aren't sending out that many disputes in the first place. Seems like a very lengthy process and the $100 a month isn't making it any better. Hopefully they pick up soon or I will be changing to a different Credit repair service.



November 15th, 2013 Lake Jackson, TX

I started with Lexington around Oct. 22nd or so and as of Nov. 15th they have already removed 3 items from my report which isnt a whole lot, but it hasnt even been the 30 days that the creditors have to respond. I am seeing results and cannot wait to see what happens after the 30 days has passed. My Equifax score has already climbed 14 oints which isnt very high but it has only been 3 weeks. I am overall satisfied with the results so far and plan on sticking with them for the long haul to see what happens.



November 12th, 2013

Just started Nov 10th, I give them a 10 for their proffetionalism. Were very attentive, answer every question I had, didn't lie to me promising anything but effort to deal with my screw up! Hoping for the best, will give them time to work with my case.


Pidak K

November 12th, 2013 Rice Lake, WI

Lexington Law...where no matter how many times you try to cancel, they keep charging you. I have to change my back account number because I have been calling every month for the past three months to cancel and they still charge me every month



October 28th, 2013 Villa Rica, GA

I was with Lexington Law for 4-5 months and they were able to remove alot of items from my report. I was always able to reach them and I got alot of results, however I had to leave them before the completion of everything on my credit because of the $99.00 a month fee was a little more then I could pay. I know they have less priced packages but those were a little higher then I was able to pay at that time.



October 22nd, 2013 Marion, OH

I been with Lexington Law for about a month now.. I have seen unbelievable results so far. I have had 5 items removed and on average my scores went up 30 points.. close to getting my home loan now..



October 10th, 2013 Columbia, SC

My husband and I have been with Lexington Law since late September 2013, and we have already seen results to our credit scores and negative items being removed. We are looking to buy a home next year and we believe that with LL helping us we will have our dream come true.


Jesse Spencer

September 26th, 2013 Chicago Heights, IL

Have been with LL since mid April. With the 3 credit bureaus combined,there were 22 negative marks and a sore of 550. Only 6 items remain with a new score of just under 700, 692 to be exact. Sometimes it's a slow process, but it's worth the wait!



September 16th, 2013 Orlando, FL

I signup with LL on August 3, 2013. Starting with 55 negative items on my 2 weeks being w/ them 2 items removed from Equifax on sep 10, 2013 8 items removed from Experian and yesterday received a text and email about 3 items removed from TU thats a total of 13 items removed in a month and a week. I made the right choice hiring LL. I am making a good investment: ) I'll give them a 10 when ill my neg will be removed. Ill update when i get more positive news. And yes i will recommend it to people that What their credit fixed: )


Kent C

September 16th, 2013 CO

LL has changed my way of living. I went from the mid 400s to a 715 in ten months. For those that are impatient I ask you to give it some time. I now have an awesome car at a rate of 4.49 thanks mostly to the work of LL.



September 10th, 2013 Lebanon, TN

I have been with the company for a little over a month, and have already had 7 items removed. I see a lot of people saying it takes them forever, but you have to think it is not them taking forever. They send out the letters to the collection agencies etc etc and the collection agencies are the ones taking forever. I love the company, I just hate the cost of this. I am a single mother of 2, and can hardly afford this. But so far I am happy with Lex Law.



September 10th, 2013 El Paso, TX

I was with Lexington law for over 1 year and I had a lot of negative items on my credit from when I was a teenager. Thats more than 1000 bucks at 99 a month. It is a very slow process. I didn't see significant results with them. In that time I went from a 535 to 560 only on transunion. The other two were not affected.



August 16th, 2013 Hinesville, GA

Excellent company. Yes, some things do take a little time to remove, but Rome wasn't built in a day. Yes, I'm sure I could have resolved some issues myself, but, I simply don't have the time. This company has proved they are worth every penny. I still keep them till this day just incase something comes up. And it always does!!! No complaints, thanks to my paralegal!!



August 2nd, 2013 Lancaster, PA

Lexington law are awesome. I've seen astonishing results and improvements on my credit report. I'm glad I've chosen them to fight for me. Some of these small companies prey on young college kids with no clue and set them up for a big financial fail. Luckily with businesses like this we can finally have a second chance at a debt free life.


Gregory Lott

July 31st, 2013 TX

I was very impressed with Lexington law firm. They deleted over 23 items off my report in 2 months. I recommended this company to anyone


Frank Luna

July 29th, 2013

I just started over a month ago and already I am seeing results, I can only say time will tell how with this new credit report of me reflects my future Thank you Lexington.



July 29th, 2013

I started out w LL w 90 items in Feb & as of today I only have 33 items left! It was slow a couple of months ago but my experience w them has been a great one w great end results!


D.K. Samples

July 25th, 2013 Bradley, WV

Some of you ar unbelieveable. 30 days, 45 days,... no credit improvement. Give me a break. These are valid reports that they are trying to get negative items removed from. Credit reporting agencies will wait until the last possible minute to respond. Expanded request to the actual creditor take even longer. They send delay tactic letters so their legal department doesn't have to deal with the overwelming request they get. It took a long time for most of us to mess this up, it's gonna take a little time o fix it. I had a foreclosure due to a divorce, with a second mortage, and one credit card defaulted on during the same divorce. It's barely past the seven years (forclosures can remain for up to 10), I have been with LexLaw for approximately 7 months and all but one item has been removed from all three reporting agencies. These people may move a little slower, but their results are impressive. Next time you wanna bash them, remember...you screwed it up, they are trying to fix it.


Heather R

July 25th, 2013 Asheville, NC

So far I have been with LL for a little over 2 weeks and I have had 4 items removed!, Excited but still waiting on them to remove the big items!!>. Wait and See!!



July 18th, 2013 Bronxville, NY

They are very very good. They email you step by step dispute process thru email so you know exactly how long the dispute takes and the results. Already had items removed from my equifax and transunion reports. Experian is alil tougher, plus my experian and transunion scores jumped 128pts.



July 18th, 2013 Du Bois, PA

ill tell anyone out there that lexintonlaw is very awesome. they have hd so many things removed from my report and my credit score is aboutwhere it should be so if you need help callthem and they arte so pleasant to work with and to u at llw thank u from the bottom of my heart. swinearlly gary smith



July 10th, 2013 Spanaway, WA

Two weeks, one thing removed and my scores are increasing. Every question I ask is answered kindly and well. I'm going to hang in there and see.


Daniel Parramore

June 30th, 2013 TX

I've been with Lexington Law for about 3 months, I've had a total 6 negative items removed. Need 5 more to go. This really works. I recommend to everyone.



June 29th, 2013 Barnesville, GA

only been with them a month now. my score was 558 now its 597... in 30 days !!! and im just getting started. these people are pros !!!


joseph marttine

June 26th, 2013 Cliffside Park, NJ

30 negative off my credit report 9 more to go and all 3 reports are perfect Lexington law works for me me


M McDaniel

June 25th, 2013 AZ

I have been with LL for a little over a month now. I started this process with a total of 23 negative items on my reports. In a moth they have removed 7 items. I am impressed!!! I will continue to spread the word. I am getting all of my friends that need help with their credit signed up.



June 25th, 2013 Dallas, TX

Since last review, Lexington has removed three items from my reports. Skeptical, but they are doing what they said they would. Slow process. Gave them six months for improvent saw improvement in three. I'm sticking with them a few more months. Would recommend



June 20th, 2013 Westbury, NY

Today makes a month with LL and so far 5 negatives removed 3 from Equifax and 2 from Transunion. When my 1st negative was removed from Equifax my score went up 30 points!! The 2 other removed from Equifax just happened today and I'm anxious how many points it will go up. Glad I signed up with them!!


Candido P.

June 18th, 2013 New Brunswick, NJ

Totally satisfire. So far 12 items removed in 3 months.


Kristin J

June 18th, 2013 North Royalton, OH

I have only been working with them for a few weeks but they have already start to help remove 6 items from one of the credit reports. I know that I have a long time to go, but I am confident they are going to be able to help me improve my score and teach me how to keep it from falling again. I am so glad that I decided to use them.



June 18th, 2013 Atlanta, GA

I have paid the $99 with Lexington and have gotten 15 items removed in a 3 month time frame. 2 items came back on my report. 21 more items to go. I am really happy with them. I researched how to get my score to improve while going through the repair process and have gotten a secure credit card which has helped at lot and have been added as an authorized user to increase my score while getten items removed. I thank lexington for their help! looking for more items to be removed this month.


Matt k

June 13th, 2013 Los Angeles, CA

Been with them for 14 months. After the pique of the recession, I had more than 30 negative items ON EACH BUREAU. That's more than 90 derogatory marks. I have to believe that I am one of the worst cases they have ever taken on. As of today, they have removed 19 neggies from Equifax, 16 from Experian and 9 from TransUnion. 44 Total deletions after 14 months. Basically, we're half way there. Yes, this has cost money and yes, it has taken time, but the fact is this: LEXINGTON LAW DOES WHAT THEY SAY THEY WILL DO. Use them.


Patrick J Emilien

June 13th, 2013

Great service!! I have used them for two years and got everything I needed from them. It was truly a great experience and worth the investment.


Joyce Jackson

June 12th, 2013 Conyers, GA

My husband and i signed up for the premium package. It's been a week and one deletion from my report so far. None for my husband. I have leins, foolish public records, and student loan so let's see what happens after 30 days. Impressed with the customer service and professionalism. So, I am optimistic. Will update soon.