Lexington Law vs The Credit People

Alayna Okerlund
Alayna Okerlund | Senior Editor
Lexington Law and The Credit People are both top-ranked companies that are well known for providing quality credit repair services. Both companies have been in business for several years and offer quite a bit in terms of credit repair services and additional services. 

Both Lexington Law and The Credit People offer multiple credit repair service options, discounts, and online client account dashboards. Although Lexington Law and The Credit People both provide reputable credit repair services and do have some similarities in regard to credit repair services, potential clients should keep a few important differences between the two companies in mind. 
Lexington Law logo verified_user
#1 Lexington Law
9.0 Overall Score
4.0
star star star star star_border
(3,271)
The Credit People logo verified_user
#5 The Credit People
6.6 Overall Score
4.4
star star star star star_half
(318)

Overview

Lexington Law

Monthly Fee

$89.95*

One-Time Fee

$89.95*

Contract Length

Cancel Anytime

Time in Business

17 Years

The Credit People

$79

$19

No Contract

20 Years

Ratings

Lexington Law

Overall Score
9.0 of 10
Review Score
4.0
star star star star star_border
Value for Money
3.7
star star star star_half star_border
Quality of Product or Service
3.8
star star star star star_border
Company Trustworthiness
3.8
star star star star star_border
Likely to Recommend
6.9 of 10

The Credit People

6.6 of 10
4.4
star star star star star_half
4.2
star star star star star_border
4.2
star star star star star_border
4.3
star star star star star_half
8.4 of 10

Reviews

Lexington Law

Number of Reviews
3,271
Review Breakdown
4.0
star star star star star_border
5 star
66%
4 star
10%
3 star
3%
2 star
3%
1 star
19%

The Credit People

318
4.4
star star star star star_half
5 star
69%
4 star
18%
3 star
3%
2 star
3%
1 star
7%

Reviews for Lexington Law

Helpful Favorable Review

check_circle

Review Source

star star star star star

Raven Kreps Ponchatoula, LA

I’ve been using Lexington for over a year. I’m actually a paralegal, but I don’t have time to do the tedious things that need to be done regarding my credit. I’m appreciate of all the work they do monthly and the updates I receive.

5 days ago

Helpful Critical Review

check_circle

Review Source

star star_border star_border star_border star_border

Donnalee Dexter Hartford, CT

Just on the take did nothing for real help all letter sent out on our behalf by Lexington law was returned to us no help was given extra money was taken and kept by Lexington law I have to straighten their over sights and got way more progress done on my own

2 months ago

Reviews for The Credit People

Helpful Favorable Review

star star star star star

Vox Naperville, IL

When I went to purchase a car, the dealer told me I had a 429 credit score. I was heartbroken. Obviously, I had fallen on hard times and let my credit go but paid a terrible price for that car (literally). Then I used The Credit People and after about 6 months, my negatives were erased and I was able to get approved for a much better interest rate on a car loan. I'm so grateful for the service that The Credit People provided me. Absolutely Amazing!

2 months ago

Helpful Critical Review

star star_border star_border star_border star_border

Anonymous Honolulu, HI

Service was too similar to previous credit repair service. However, customer service was very unsatisfactory. When I cancelled the service, I received repeated emails stating my payment was due. I sent responses after contacting the customer service notifying cancelation. I finally had my financial institution put a stop payment and fraud alert for all charges. I'm still receiving emails to make payment.

1 year ago

The Final Word

Lexington Law and The Credit People are two well-known companies in the credit repair industry. Both companies provide high-quality credit repair services and strive to improve clients’ poor credit situations and help clients with long-term financial success. Although Lexington Law and The Credit People do have some similarities, potential clients should keep a few key differences in mind. 

In terms of credit repair services, Lexington Law does offer more service options than The Credit People. The firm’s clients can choose the Concord Standard option, the Concord Premier option, or the PremierPlus option. 

The Concord Standard plan is the firm's most basic option and includes bureau challenges and creditor interventions. The Concord Premier plan is the firm’s moderate option and involves TransUnion alerts, a score analysis, InquiryAssist, and ReportWatch tools. Lastly, the firm’s most advanced option, the PremierPlus plan, comes with additional identity protection services, various personal finance tools, cease and desist letters, and a helpful FICO credit score tracker tool. 

In addition to Lexington Law’s credit repair service options, the firm also offers military and couple credit repair service discounts and has legal representatives on staff. 

The Credit People, on the other hand, offer a couples discount but do not have lawyers on staff like Lexington Law. In terms of credit repair services, The Credit People have the following two credit repair plan options that clients can choose from: the monthly membership and the flat-rate membership. 

The company’s monthly membership can be canceled at any time and allows clients to pay a lower cost per month rather than a large one-time sum. Those who wish to pay a one-time fee can do so with the flat-rate membership option. 

The Credit People’s membership services include toll-free customer service, creditor communication, unlimited disputes, a client satisfaction guarantee, free credit reports and credit scores, and more. 

Although Lexington Law and The Credit People do have some differences, both companies offer quality credit repair services and are worth looking into. 

Top Choice

Lexington Law Logo
Lexington Law

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