Lexington Law Credit Repair Review: Offering Customized Credit Solutions For Over 500,000 Clients

One of the first businesses to provide credit help services in the US was Lexington Law. Lexington Law firm has decades of experience in the field and can raise credit scores by getting rid of bad credit items. The law firm was established in 2004 by a group of attorneys and credit specialists to address the issues of clients looking for credit restoration services. Since then, Lexington Law has helped over 500,000 clients clear millions of adverse items from their credit reports. If you need credit repair services, it’s worth scheduling a complimentary consultation with Lexington Law.

Lexington Law Overview

Credit restoration firm Lexington Law has a track record of success. Since its inception in 2004, the business has assisted clients in removing more than 77 million adverse items from their credit reports with their credit repair services. 

For more than 20 years, the business has used tried-and-true methods to help clients raise their credit scores. Lexington Law offers identity theft protection in addition to its credit repair services, with some plans designed to further protect your credit history.

Clients looking for credit restoration services or hoping to raise their credit scores can feel confident that, given enough time, Lexington Law may be able to deliver by working with one of the credit help industry’s most reputable.  Lexington Law is undoubtedly one of the most competitive credit repair businesses to engage with if you want to raise your credit score.

Features

How does Lexington Law work? To get started, you must request copies of your reports of credit from Equifax, Experian, and TransUnion and deliver them to Lexington Law. When you sign up, the company can assist you in getting these. Signing up for Lexington Law’s credit repair service is simple. You can enter your information on the online signup form available at LexingtonLaw.com or download the company’s app and proceed similarly from there.

Then, you can select which unfavorable items you want to dispute using the online “Dispute Valet” feature. Throughout the entire process, Lexington Law firm representatives are available to help you determine this.

Lexington Law will send disputes to the various credit bureaus after the Dispute Valet service is complete, requesting that they provide verified and accurate information about the disputed negative items. In order to correct false information on your credit report, Lexington Law will negotiate with credit bureaus on your behalf. Credit bureaus must erase any information that doesn’t fulfill these requirements since the Fair Credit Reporting Act mandates that they only maintain valid and accurate information.

No credit repair company can guarantee that they can remove negative entries from your credit report and there is no way to compel a credit bureau to remove a negative entry from your credit report. This success depends on each specific account and the circumstances around it. Be careful about the firm that you choose and make sure that it is a reputable firm. Check with the Better Business Bureau to learn about the performance of a particular company. Do some research on the firm you will eventually do business with

Lexington Law claims that after four months, the company removes an average of 10 things per client or 24% of their total negatives. The time of your credit repair process, however, varies depending on your unique scenario. Even if current debts disappear from a credit report, they will resurface during the following reporting cycle. Before attempting to have a debt removed from your credit report, you must pay off your bill.

Credit reporting agencies have 30 days to look into disputes, provide you with the findings, and update your credit report. Clients are asked to send the report to Lexington Law as soon as possible for review and, if it cannot be resolved in their favor, to move forward with the dispute process.

Lexington Law Features:

• All services, such as communication with credit bureaus, verification requests, and limitless disputes on dubious credit items, are available for a single monthly fee.
• Intervention with a creditor in a calm manner for clients who are behind on their payments
• When an account is extremely late, a creditor may step in and demand complete proof of adherence to consumer protection laws and changes to credit reporting.
• Demands a full accounting of the listing’s full substantiation or appropriate revision for charged-off and collection accounts.
• Immediately after the engagement contract is signed collect your credit information.
• Credit monitoring services from Trans Union
• Sends email notifications whenever there are changes to your reports of credit that could either improve or harm your credit score.
• The company created letters for each dubious inquiry you specify.
• Improvement analysis for credit scores each month
• With the Premier Plus plan, there is $25,000 in identity theft insurance.

Support Services

The support staff at Lexington Law can be contacted by toll-free phone, email, and online chat. Lexington Law works to ensure that its clients credit reports and fair, accurate, and substantiated in accordance with the Fair Credit Reporting Act

Support is offered around-the-clock via:

• Email
• Phone
• Chat support

PLAN DETAILS

Pricing

• Concord Standard $99.95 per month
• Concord Premier $119.95 per month
• Premier Plus $139.95 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

BBB Customer Reviews

Jamie F

7/28/2021

They advertise discounts for multiple enrollments within the same household. I must have missed the fine print that it was only a one-time discount and they charged the full amount to my bank account today leaving me with little money until payday….for an amount that is double the amount I thought it was. It would be very helpful if the “fine print” was in bold to help make a decision for the long term.

Caron C

11/07/2022

The only time I got my free consultation was when I canceled. They didn’t fix my credit, made it worse. They charge more than anyone else for fewer services. I have a judgment as a result of my ex-husband that they never addressed. Now that judgment is astronomical.

Lexington Law FAQs

How much does Lexington Law charge?

If you are wondering how much does Lexington Law cost you should know that this credit repair industry has three plans that range from $99.85 to $139.95 per month.  It adds services for cease and desist letters, a FICO score tracker, identity protection resources and personal finance tools. Usually, the activities of credit repair companies are constrained by the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA).

What are the credit repair service options that Lexington Law offers?

This credit repair firm provides a range of service levels to accommodate every situation and budget. Calling in will even earn you a free credit report consultation. Lexington Law Firm offers professional credit repair services led by attorneys, paralegals and credit advisors. To guarantee that each client’s credit report is presented in a fair and accurate manner with each service, Lexington Law will collaborate with creditors and the major credit bureaus.

Botton Line

Lexington Law is a knowledgeable credit repair company with a long track record of success. Since its inception in 2004, the business has assisted consumers in removing more than 77 million adverse entries from their credit reports. For more than 20 years, the business has used tried-and-true methods to assist clients raise their credit ratings. Lexington Law offers identity theft protection in addition to its credit repair services, with certain plans designed to further protect your credit history.