Lexington Law vs The Credit People

McCall Martin
McCall Martin | 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
#2 Lexington Law
8.3 Overall Score
4.1
star star star star star_border
(3,548)
The Credit People logo
#5 The Credit People
6.4 Overall Score
4.4
star star star star star_half
(330)

Overview

Lexington Law

Upfront Cost

99.95

Monthly Fee

99.95

Money-Back Guarantee

Undisclosed

Time in Business

19 Years

The Credit People

$419.00

$79.00

180

22 Years

Ratings

Lexington Law

Overall Score
8.3 of 10
Review Score
4.1
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Value for Money
3.8
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Quality of Product or Service
3.9
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Company Trustworthiness
3.9
star star star star star_border
Likely to Recommend
7.2 of 10

The Credit People

6.4 of 10
4.4
star star star star star_half
4.2
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4.3
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4.3
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8.5 of 10

Reviews

Lexington Law

Number of Reviews
3,548
Review Breakdown
4.1
star star star star star_border
1 star
18%
2 star
3%
3 star
3%
4 star
9%
5 star
68%

The Credit People

330
4.4
star star star star star_half
1 star
7%
2 star
3%
3 star
2%
4 star
18%
5 star
70%

Reviews for Lexington Law

Helpful Favorable Review

star star star star star

Wayne Elmore

January 31st, 2023

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Review Source

My best friend used your service and was very pleased so he recommended me to y’all and I appreciate the help and I am hoping and praying to be completely out of debt within the next few months or so. Thank you for your service.

Helpful Critical Review

star star star_border star_border star_border

Ashley Stoker

June 1st, 2022

DETAILS

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Review Source

I was referred to Lexington Law when trying to get ready to buy a house- I needed another 20 points. The customer service was good, but they disputed too many items at once, and subsequently my credit file with the bureaus was locked a month later and took a few months to get unlocked. I did not get a refund, but did cancel with them- I lost the house I had my eye on due the the credit files being inaccessible to my lender.

Reviews for The Credit People

Helpful Favorable Review

star star star star star

TyDollaMia

January 31st, 2023

DETAILS

I know they say you get what you pay for but they also said why pay more when you can pay less lol my credit was jacked! So I started looking into credit repair. Some of these companies wanted to charge $150 per month! I kept looking online and found The Credit People for only $79 per month. You really can't beat that. They offer the same as those higher companies if not more!

Helpful Critical Review

star star star_border star_border star_border

Michael Fernandes

December 13th, 2021

DETAILS

Not sure why I carry any faith in this company still.... 4months in and no changes... The scores they sent me are inflated more than 100 points (just to make you feel better) Then you go to purchase a house or a car and find out what your REAL score is. Then they feed you some BS about "different scoring models used" Why don't they use one ACCURATE and RELEVANT to the world we live in. REAL LIFE REQUIRES REAL SCORES.

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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