Lexington Law Credit Repair Review

Rating: 9.7 / 10 (Excellent)
51 Customer Reviews - see all reviews
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How is Lexington Law rated?
Level of Intervention
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


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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This firm didn't do anything for me either except take my money! I did more on my own to see progress. I would not recommend these folks to anyone. They say they send out letters challenging the accuracy of the negative items on your report, but when you decide to follow up with these companies on your own. You discover that absolutely nothing has ever been received by Lexington Law on your behalf! Not a thing!

Luling, Louisiana
This is the biggest scam and rip off ever!!! I paid for the highest level the premium plus package for $119.95 a month and highly dissatisfied with their services. I have never been lied too by a company of so called professional as I have been with Lexington. I would not recommend this company to my worst enemy. I paid for months and nothing changed on my report. Every time I contacted the law office someone else answered and gave the same sales pitch and lies the other person gave. After 4 months I had seen, heard, and experienced enough of being taken advantage of. I did better in 30-days on my own then this so called #1 rated company had done in almost 5 months. I wrote letters to my... Read More

[email protected]
Sacramento, California
I decided to give Lexington Law another try because they helped me tremendously in the past. No letters were sent out within 5 days and I was being charged with only 2 of the 3 credit bureaus. I asked them please do not to charge me until all three bureaus are ready to go the paralegal said sorry they have to charge me so said maybe I will have to get an attorney because you'll won't honor my simple request. I called back a couple of days later and spoke with a supervisor and my request was granted. I thought I would give them another try and give them the benefit of the doubt so I asked what will be the necessary steps to restart my account with them with disputing all three... Read More

Sandra b
Dallas, Texas
NEVER do business with this company, they lie so bad saying only gonna charge min $14.99 within 3 days, then disconnected AFTER getting my credit card info & never call back. I keep calling back same day & next only to tell gonna charge $119, I've tried cancelling several times. THEY WONT cancel saying they did & will email confirmation. STILL WAITING ON EMAIL.... IM STILL CALLING....

Indianapolis, Indiana
G's. I was about toi sign upuntil reading all these scathing reviews. I liked how it sounded until the guy from there I was talking to gave me some odd sounding information. I had 3 item I had already called on ( directly to the collection agency ) and they lady there told me 2 of the items had reached statute of limitations and she saw they were about to be removed. The 3rd one had another year so I paid it. She could have easily said "You need to pay on these other two also" but she was honest. When I called Lex - I told the guy there this, and he told me she wasn't correct and that the items were "renewed" and that I would need to get them worked on. My GF was furious, saying... Read More

Gwendolyn W
Atlanta, Georgia
I am really impressed at how quickly that Lexington Firm has been able to make progress on my case. gwp

Gwendolyn W
Atlanta, Georgia
I am really impressed at how quickly that Lexington Firm has been able to make progress on my case. gwp

[email protected]
Alpharetta, Georgia
Please do NOT sign up with this company. They're not in business to help you. Their main priority is making money. I signed up with them paying a whopping 119 a month. The girl that I signed up with lied to me about the price and the first day they would take a payment. I got overdraft fees and all they did was provide a fake apology. They only disputed a couple items per bureau. They don't educate you on how to build credit. They don't give you any needed advice on anything. After a few months went by and I realized how bad I was being screwed I called them to cancel. They then offered my half off @ 59.99 a month for their essentials plan. I stayed a few more months and still didn't get... Read More

Lori C
Norwich, New York
After reading all those comments that really have nothing good to say about this company, NO THANK YOU! I'll find another company! Thanks!

They removed items I did not want removed worsened my score! I did my own work and got better results! A total rip off they DO NOT FOLLOW INSTRUCTIONS and all they do is dispute all the items good and bad on the report!

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