Lexington Law Credit Repair Review

Rating: 9.7 / 10 (Excellent)
18 Customer Reviews - see all reviews
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How is Lexington Law rated?
Plan Details
Company Details
Support Services

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

BBB Rating: A-


Plan Details


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


Phone Registration



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


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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Howard Bond
Salt Lake City, Utah
Works better than expected. My wife and I both signed up to get some help with our credit reports. I was skeptical at first but started to get alerts after the first month that items were being removed. There was a lot of success during the first 4 months. Then there were 2-3 months with very little activity and then another spike in results. I'm not about a year into the services and my score has jumped from a 620 to over 730 and over 90% of my negative items have been removed. I've since refinanced my house and a car to lower interest rates. The money I've spent on Lexington law is a small price compared to the savings I'm now benefiting from by qualifying for low interest rates on... Read More

I signed up for lexington law in 2015 and i was skeptical at first and wasn't sure as well and i thought thats great my credit is going to be fixed over time I was wrong in over 2 months i only saw 2 items removed after anothe month went by and did not see any more improvements at all. Its true what everyone says about credit repair services there all scams and dont bother to help with your credit report issues. After I cancelled there services they kept charging my card and I had to dispute with my bank to reverse dthe money that was taken from me out of my account. They are so full of crap and when the dispute letters get sent out they just come back to me as it was undeliverable I do... Read More

Savella Newson
I used LL, at the time, because I was considering buying a home. They took my money and showed me my credit rating and any changes and nothing more. I expected them to help me in improving it and resolving my issues; they didn't. I was told to make contacts on my own to resolve the issues. "WHICH IS WHAT WAS I PAYING THEM TO DO" so I thought. I could have kept my money and not signed up with them. If you have to do the work on your own what's the point in using their services at all.

Anthony joyner
I did see a change in my score in the first few month but once i stop using their service my score drop down.

Corona, California
I wish I could give this company a -5 star review. They claim to be sending letters and doing the work, but after one month there was absolutely NO movement on my account. When I contacted them, they said "we are sending letters", yet when doing research, there was nothing being sent. They sent me some forms to get notarized, I did that and sent it via FedEx. I had proof of receipt and they never claimed that they got the documents. So, either my file was just tossed or they just don't care. I would pretty much tell you to go anywhere else. Even a personal attorney could have done what they did for half the cost! I spend over 1K with this company. If you do use them. You do so are your own... Read More

Livingston, Tennessee
Lexington law has got the bill collection calls stopped and now my credit reports are inproved

Ihsan Ghaddar
Odessa, Texas
Only effective first few months then all the dispute letters are sent to your home as returned, wrong address tried them twice in a row

Oluseun Elegbe
Indianapolis, Indiana
Had 50%lf negative items taken within two months of being with them. Well worth the fee.

lynette barela
Manteca, California
I've read plenty of bad reviews from lexington law customers , i have nothing g bad to say i'm so very glad i got connected with this team my credit score has risen about 70 points in the last 5 months , i've had lots of my negative reports get removed and yes it has been improving my credit every month , they keep me updated and it's well worth the fee, thank you for helping get back on the right track lexington law

James Esposito
One of the worst credit repair companies I have ever dealt with. My son dealt with another repair company that was have the price and reduced his debt, negotiated lower rates, got more items removed from his credit and performed all of that faster and more cost effective than Lexington law. They Did absolutely nothing but mail letters do a few companies one of which we already had a release notice from and once they removed it, it went back on because they kept sending letters to them. Then when I told them I wanted to cancel the $119 a month they charged for me and another $119 per month for my wife they argued with me and her until we had to threat a lawsuit to have them cancel the... Read More

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