Lexington Law Credit Repair Review


Rating: 9.7 / 10 (Excellent)
64 Customer Comments & 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

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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64 Customer Comments & Reviews

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E
erick s
Hampton, Virginia
1/31/2017
took my money and did nothing but give me the run around.


S
sg
Chatsworth, California
1/25/2017
I used Lexington Law firm before and at first they did okay for me, but eventually it got to a point where I had to cancel with them because of bad service. Even after I cancelled with them, they continued to charge my bank account without permission. I had to cancel my bank account just to get them to stop. Then they continued to call and harrass me to a point where it became multiple times a day. They only stopped after I had to sue them. I have since tried a few other companies to finish what Lexington started and came across an company that I have had zero issues with and have produced more results than all the companies combined.


H
Howard B
Salt Lake City, Utah
1/23/2017
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


S
sarah
Oceanside, California
1/4/2017
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


S
Savella N
Chicago, Illinois
1/2/2017
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.


J
Judith M
Atlanta, Georgia
12/22/2016
I used Lex.Law many yrs ago. They worked fast, straightened out everything, especially claims on credit reports with my name spelled different ways, updated & corrected resolved issues not corrected resolved issues with creditors. I highly recommend them


A
Abraham
, Illinois
12/20/2016
As a former client of Lexington Law, based on my own experience, this company is one of the worst "credit repair companies" ever. I actually don't know how, but they have their own website, that it shows you're "credit reports". That credit report is inaccurate, since once they start the process of "disputing", some of your accounts appear to be removed, but when you check your real reports, directly from the bureaus, every single account still there and I keep asking myself and I know you will to; Why they charge so much of your credit card, every month, when you can do the same thing on your own with better results???


A
Anthony j
Douglasville, Georgia
12/17/2016
I did see a change in my score in the first few month but once i stop using their service my score drop down.


A
Alex
Riverside, California
12/2/2016
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


C
Creecie
Baxter, Tennessee
11/30/2016
Lexington law has got the bill collection calls stopped and now my credit reports are inproved



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