Lexington Law Credit Repair Review

Rating: 9.7 / 10 (Excellent)
64 Customer Reviews - see all comments
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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.      

Top Rated
Our Partner
9.7 / 10
  • Most Results of Any Credit Repair Law Firm
  • Clients Saw Over 9 Million Negative Items Removed From Their Credit Reports in 2016
  • Have Helped More Than 500,000 Clients With Credit Repair
  • Cancel Anytime

Latest Lexington Law Reviews

Heather H
Lakeland, Florida

DO NOT GO WITH THESE PEOPLE! I just canceled my membership. They are shady. They don't provide your credit scores (except for Fico.) I asked about this because they "show" positive and negative marks on your report. And that is what they are suppose to go after. They couldn't provide my scores because they do not have an agreement with Experian and Equifax. And they couldn't at this time provide my score for Fico because they didn't have enough information. I asked why other places get an instant score. They said that each company runs the information differently. After thirty minutes of communicating with someone that went by the name of Kyle I asked to have my plan canceled. The price... Read More

Billy J
Newport, Kentucky

They drag out your process to make more $$$. 3 years to get 6 items removed from the debt reports. Cost thousands.

Alexis A
Detroit, Michigan

This company took 600 dollars from me and removed one thing that was the literally smallest item on my list and after I cancelled my subscription I still had to pay the following now that I've been removed from their firm 3months later I just found out there still deducting a monthly fee from my visa, not sure if this is all on purpose our not? But I am not happy with Lexington Law at all, not worth it besides that I can't ever get a hold of anyone at there office I tried every source possible they need help over there, serious help

Lawrenceville, Georgia

Worst company EVER!!! How did you make it to the top10 credit repair companies? I had Lexington Law for 1 year and they removed 2 items from my credit report but my score didn't budge!! I switched to FES Financial Education Services and I got my student loans deleted in 40 days!!! Now that is results. I signed my husband up with FES and his bankruptcy and tax lien was removed in 30 days!!! Not to mention, 11 other services at no additional cost and way less expensive than you guys charge. Lexington Law, ya'll need to step your game up!!! Thank you FES! www.myfes.net/jwilliams64 tell her I sent you!

Churubusco, Indiana

I am very happy i got involved with Lexington Law Ive only been with them goin on 2 months and already things have been getting done and my scores have went up. Pretty awesome place, and they care.

Orlando, Florida

Put in a request for info. they called me multiple times a day until i gave them my debit card info! Then crickets.. Guy was supposed to call me back in a couple hours when my transunion report downloaded and come up with a game plan. Days later no call.. So i called to cancel and the man who answered said they are not an outbound call service. Basically I told him paying 120 bucks a month was too much money if dude cant keep his word and call me like he said he would So glad I cancelled. Cant imagine doing business with someone who cant respect my money!!

Wendy D
Concord, North Carolina

Worst $800.00 plus dollars ever ripped off 😒I spent $119.00 7 months and I honestly didn't get 1 negative item removed 😨😩they were busting butt on my 76 year old mom's case ,they removed like 20 and we signed up same time 😱😱😱😱heck i even dropped her's down to $59.00 monthly 🏦 bankruptcy still can't get a loan but still 😒, maybe it's because she's elderly 😳 anyway I call tell them I want out ASAP!They say they gonna charge me $49.00 for the 1 week work they claimed to have done😒I honest to God don't believe they did anything but rip me off! So when they tell you well all this BS is they informed me I needed In get a loan to pay my credit cards off, seriously? Really how you gonna get a... Read More

Imma D
New York, New York

Zack hung up on me. when i tried to get more information before subscribing . Thanks God because i did some research and found this website. they have all the bad reviews in the world why are they number 1???

Dallas, Texas

I literally had my CC out to use Lexington Law and then I read the reviews!! I feel horrible for all of you that had a bad experience but I hope it makes you feel better to know I won’t be using hire services because of your reviews!!! Sorry to you all and thanks for taking the time to share your experiences.

Sheila O
Fort Worth, Texas

I started with LL, in April 2017 for My daughter and myself. Everything started off fine changes were being seen, Then out of the blue i was being double charged. I complained and the high I.Q.s always out talked me. So we started the slate clean and it all started again. They change your pay dates, don't email your items like they tell you they will do, Everything that's goes wrong is always your fault or your miss understanding of something. I reported them to the BBB, They called still treated me bad, I cancelled my account, Then they cancelled my daughters on there own after promising to make things right. So upset this is no way to treat people that are in need of the help you... Read More

Angela R
Ypsilanti, Michigan

I signed up for Lexington Law for myself and my husband last month. Everything was going fine, and we both did have several items removed including a bunch of late payments on one of my old auto loans. The problem started when I noticed it was almost time for them to send letters out again and they hadn't updated my credit report on their site. I use a separate credit monitoring service so I uploaded my report and got an email from a rep saying "I'm sure you want to see your credit report results on the site more quickly but just wait, we update all three credit reports monthly. Just be patient and they will show up eventually". Well, I responded back indicating that I didn't want... Read More

South Lyon, Michigan

To many bad reviews, I'll pass on Lexington Law. Start treating people right and you will get more Lex.

Athens, Texas

I don't know why this company is ranked # 1... what they did for me would have been done over time. I really wasted my money using them for about 6 months Mary

Seattle, Washington

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!

Metairie, 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

Oakland, 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
Grand Prairie, 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

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
Pulaski, 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!

Las Vegas, Nevada

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!

, Illinois

Didn't fix anything and still took money out my account without me saying so.

Swaine T
McDonough, Georgia

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.