Lexington Law Credit Repair Review


Rating: 9.7 / 10 (Excellent)
40 Customer Reviews - see all reviews
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How is Lexington Law rated?
10/10
Level of Intervention
9/10
Communication
10/10
Features
10/10
Cost
10/10
Company Reputation

Lexington Law was one of the first companies to offer credit repair services in the US. With decades of experience in the credit repair industry, Lexington law is able to effectively improve credit scores by removing negative credit items. Founded by a group of lawyers and credit experts, the law firm was created to address the concerns of consumers who were searching for credit repair services. Since then, Lexington Law has served over half a million clients, helping them to remove millions of negative items on their credit profiles.

Years in Operation

Since 1991

Plan Details

Pricing

Concord Premier $99.95 initial fee, $99.95 per month

Concord Standard $99.95 initial fee, $79.95 per month

Type of Contract

Month to month

Refund/ Cancellation Policy

Cancel anytime

Online Registration

Yes

Phone Registration

Yes

Licenses

  • Credit Repair Organization Act
  • Registered with Attorney General Offices
  • Bonded

Features

To start out you'll need to obtain copies of your credit reports from the three credit bureaus (Equifax, Experian and TransUnion) and submit them to Lexington Law. (They can help you obtain these when you sign up.) Then, there is an online "Dispute Valet" feature that lets you choose which negative items you would like to dispute. Lexington Law representatives are available to assist you in determining this throughout the entire process.

After completing the Dispute Valet service, Lexington Law will send disputes to the different credit bureaus, asking them to supply verified and accurate details about the negative items in question. Credit bureaus have 30 days to investigate disputes and supply you with results and an updated credit report. Upon receiving the report, clients are requested to send it to Lexington Law for evaluation and continue with the dispute process if it remains unresolved in your favor.

Lexington Law features:

  • One simple monthly fee for all services, including communication with credit bureaus, verification requests, and unlimited disputes on questionable credit items
  • Non-confrontational intervention with creditor for customers who are late with payments
  • For very late accounts, creditor intervention that requests full documentation of compliance with consumer protection statutes and credit reporting revisions
  • For charged-offs and collection accounts, demands complete accounting of the listing’s full substantiation or appropriate revision
  • Immediately gathers your credit information upon completion of engagement agreement
  • Trans Union credit monitoring
  • Sends email alerts if there are any changes on your credit reports which could positively or negatively affect your credit score
  • Firm prepared letters for each questionable inquiry you designate
  • Monthly credit score improvement analysis
  • $25,000 Identity theft insurance

 

Support Services

Lexington Law’s support representatives can be reached via toll-free phone service, email, and online chat. Support is available 24/7.

  • Email
  • Phone
  • Chat support

 

Lexington Law Summary

Lexington Law is a reliable and experienced credit repair service that can guarantee results. It has helped clients improve their credit scores for more than two decades by using time tested procedures. Along with its credit repair services, Lexington Law also offers identity theft protection to safeguard your credit profile even further. By working with one of the credit repair industry’s most trusted and oldest brands, clients searching for credit repair services or hoping to improve their credit scores can be rest assured that, given enough time, Lexington Law will deliver.      

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Latest Reviews

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Swaine T
5/3/2017
I think they mean well. Lexington Law, in my opinion, has grown so large, and with so many clients, it was difficult to get the personalized attention I needed. I canceled my service.

Jeremy B
Mableton, Georgia
4/29/2017
Hello everyone i would like to introduce my credit business. unlike most credit repair company which just focus on repairing your credit, we also help with credit repair. we will remove any negative item on your credit, we attack all three credit beaus at the same time, you'll start to see results in 45-90 days. we provide a credit attorney for whatever you may need one for, 24/7 access. Now the difference with my business vs others is that we also protect your credit with life lock, as well as many other services to protect you and your family. We also have a program were we provide for the youth, every dime that we make a potion of that goes to our youth program,which provide... Read More

Telaya G
Eden Prairie, Minnesota
4/29/2017
It's been 1 full year now at $99/mo. They have managed to completely remove my 15 year mortgage history, leaving my with only 4 years of payments history now (Not good). My score stared about at 665 and a year later is at 639...ouch and with no new delinquent accts to justify! $1,200 and not much too show for it. I'm done. What a total and complete rip off! Don't know how this company is so highly recommended. Don't walk, run!

Steve T
New York, New York
4/28/2017
I called Lex law because there are legitimate errors on my credit report that need to be cleansed. After 3 weeks of monitoring my status which remains at 0% complete, I called to find a status where I waited on hold for 30 minutes. When they finally answered they told me they only address one item against 1 credit Bureau at a time every 4 months. They do NOT move to the next credit Bureau unless you formally request them to do so. This was never explained to me during my initial on-boarding in fact during that call it was mentioned that FULL resolution should be estimated within 8 weeks. I'm very disappointed at this level of service, and I now plan to pursue an alternative. If... Read More

Greg J
Tampa, Florida
4/28/2017
I pay over $100/month and have been using them for 5 months. My credit is the same as when I started. All they do is send computer generated letters and only send a couple a month. I've seen them. I have not seen anything else or any human involvement at all for $100/month.

K
Karen
Macon, Georgia
4/23/2017
Lexington Law is a fraud and rip off Company who makes 'false' promises by lying to you as to what wonderful things they will do to improve your credit score then they do nothing at all to improve your score! However, they have do continue to charge outrageous fees to do nothing at all!

T
Tiana G
Tuscaloosa, Alabama
4/6/2017
Lexington Law is joke. I paid them for 6 months and they didn't take anything off my credit or try to help me, just took their 99.92 months. With all the money wasted on them, I could place some off .. Zero Rating!

Jill D
Phoenix, Arizona
3/22/2017
My husband and I worked with Lexington Law for almost 2 years first paying $200/month and our credit scores barely budged. So we couldn't afford to throw away $200/month with little to no real results so we dropped it to the $100/month program and saw little to no change and no difference between the higher cost program and the lower cost program. It was a very stressful program whereas we had to constantly print letters and buy many stamps sending requests to creditors ourselves over and over with not one removal. Lexington was never able to obtain all our credit reports and we were constantly inundated with dealing with the credit bureaus and paying a lot for each updated report. It was... Read More

S
S L
Redondo Beach, California
3/10/2017
The good is that they removed some items for me. The most effective work done was in the first round of letters. And that is probably when I should have discontinued the service with them because I continued to pay their expensive monthly fee and did not check up on them and their progress. I did not check on them because they told me they would continue to write letters on my behalf and "work on my file" for me without me contacting them and would notify me every time a negative item was removed. And again in the beginning they definitely removed some items but at one point after about 5-6 months I had not heard much from them and so I called them. It was obvious on the phone call... Read More

D
Dominique
Columbia, South Carolina
3/9/2017
They are good but very slow my credit didnt move much at all

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