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Lexington Law Credit Repair service review

Last updated:  

Offers a flexible three-tiered membership, but beware of customer complaints of fraudulent charges.

Incorrect entries on your credit report can drag down your credit score, making it hard to qualify for loans or credit cards.

Details

Monthly Fee$89.95
BBB RatingF
Customer SupportPhone
Email
Cancel AnytimeYes

What is Lexington Law?

Lexington Law is a law firm that specializes in credit repair. With headquarters in Salt Lake City, Utah, it has a network of 24 lawyers across 20 states. It began offering credit repair services in 1991 and claims to have helped hundreds of thousands of customers repair their credit scores. The firm offers a free personalized credit consultation and offers a choice three tiers of service.

Product details

Initial fee $89.95, $109.95 or $129.95, depending on the service tier you select
Monthly fee $89.95, $109.95 or $129.95, depending on the service tier you select
BBB rating None
Fee to access credit report None
Credit monitoring TransUnion
Free credit consultation Yes
Years in business 17
Customer service Call 855-821-3691 or email at quickanswers@lexingtonlaw.com

Features and benefits

Lexington Law suggests that most of its clients see significant results within four months of using its service. Here are a few other benefits to using Lexington Law’s credit repair service:

  • Friends and family discount. Receive a 50% discount off your initial setup fee if you sign up a friend or family member within 72 hours of your own sign up.
  • Tiered service. You can choose between three different tiers of service, depending on your budget and credit repair needs.
  • Free credit reports. Receive access to your credit reports with Lexington Law’s free credit consultation.

What to watch out for

Lexington Law’s customizable levels of service and its friends and family discount are appealing perks, but be on the lookout for these potential drawbacks:

  • High prices. Lexington Law’s prices range from $89.95 to $129.95 monthly, which is higher than many of its competitors.
  • No guarantees. As with all credit repair service, there’s no guarantee that Lexington Law can improve your credit score.

How long does Lexington Law take to improve my credit?

Everyone’s credit is unique. The process of improving credit is affected by a number of factors, including your personal credit history and how long it takes for creditors to respond.

On its site, Lexington Law suggests that a majority of its customer see 24% of their negative credit report entries removed within four months. But it makes it clear that it can’t make any guarantees to improve your credit within a certain length of time.

How much does it cost?

Concord Standard ($89.95/month) Concord Premier ($109.95/month) PremierPlus ($129.95/month)
Bureau challenges
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Creditor intervention
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Credit inquiry assistance
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Personalized score analysis
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Credit report coach
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TransUnion credit monitoring
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Cease and desist letters
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FICO score tracker
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ID fraud monitoring
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Personal finance tools
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Compare Lexington Law with other credit repair services

Updated September 21st, 2019
Name Product Monthly Fee BBB Rating Customer Support Cancel Anytime
$25
A
Phone
Email
Online Chat
Yes
Save money and build credit with a secured-installment loan that you can access after 12 or 24 months.
$99.95
F
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No
Specializes in clearing your credit report of inaccurate items with all three credit bureaus.
$19
A+
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Get a free consultation to help identify erroneous items on your credit report.
$89.95
F
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Yes
Law firm that offers three tiers of credit repair suited to your situation.
Credit Firm Professional Credit Repair
Credit Firm Professional Credit Repair
$49.99
A+
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Mail
Yes
Professional credit repair service that can help you create a step by step action plan. Cancel anytime.
$79
C
Phone
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Mail
Yes
Professionals work with you to clean up your credit and raise your credit scores. Cancel anytime.
$79
C
Phone
Email
Mail
Yes
Free credit report and monitoring that comes with a 90-day money-back guarantee.

Compare up to 4 providers

Updated September 21st, 2019
Name Product Starting price Trial period Credit scores Credit monitoring Credit reports Update frequency
$19.99
30 days
TransUnion
Equifax
Experian
Yes
TransUnion
Equifax
Experian
Monthly
Annually
Get your credit report and FICO score for just $1 with enrollment in Experian CreditWorks credit monitoring. Cancel anytime.
$19.95
1 day
TransUnion
Equifax
Experian
Yes
TransUnion
Equifax
Experian
Monthly
Get quarterly access to your most widely used FICO® Scores and a 3-bureau credit report.
$24.95
No
TransUnion
Equifax
Experian
Yes
TransUnion
Equifax
Experian
Monthly
TransUnion credit score, monitoring and identity theft insurance.
$15.95
No
TransUnion
Equifax
Experian
Yes
TransUnion
Equifax
Experian
Monthly
Monitor your key business relationships to protect your company from losses.
$19.95
7 days
TransUnion
Yes
TransUnion
Monthly
$1 for a seven-day trial to get access to your credit score and credit report from TransUnion.

Compare up to 4 providers

Is Lexington Law legit?

Credit repair services have been under fire in the past for predatory business practices. Before you select a service provider, do your research to make sure your credit is in good hands.

Here’s what we learned about Lexington Law through online reviews:

  • Better Business Bureau (BBB). Lexington Law is not an accredited business with the BBB, from which it receives a No Rating (NP) status. There are more than 550 customer complaints, with a majority of individuals citing that despite canceling service with Lexington Law, they continued to have their account charged for the monthly membership fee.
  • Trustpilot. Lexington Law receives a TrustScore of 9.2 out of 10 from Trustpilot. A number of the positive reviews come from customers satisfied with the improvement of their credit score.
  • Legal trouble. On May 21, 2018, a RICO suit was filed against Lexington Law on behalf of Ad Astra Recovery Services. The company was accused of predatory and fraudulent practices by sending false credit dispute letters to creditors with the intention of deceiving the collectors. The matter has yet to be resolved.

Customer service

Lexington Law customer service is available by emailing quickanswers@lexingtonlaw.com or by calling 855-340-2382. You can also visit a Lexington Law office in person with business hours that vary by state.

Lexington Law offers its services in the following states:

  • Alabama
  • Kansas
  • Michigan
  • New York
  • South Carolina
  • Arizona
  • Louisiana
  • Mississippi
  • North Carolina
  • Utah
  • California
  • Maine
  • Nevada
  • Ohio
  • Virginia
  • Delaware
  • Maryland
  • New Mexico
  • Pennsylvania
  • West Virginia

Is there a guarantee to fix my credit report?

In accordance with the Credit Repair Organization Act, no credit repair service can claim any guaranteed improvement of your credit score. This statute was put into place to ensure potential customers are given fair, honest information to help them make an informed decision.

While Lexington Law can’t make any guarantees involving the improvement of your credit, it does suggest on its site that many of its customers see a rise in their credit scores within four months of using its service.

How do I sign up?

  1. Go to Lexington Law’s website and click Sign Up Online.
  2. Enter your full name, phone number and address. Click Go to Step 2.
  3. Select the tier of credit repair service you want. Click Go to Step 3.
  4. Confirm payment and agree to the terms and conditions.

How do I cancel with Lexington Law?

You can cancel your service with Lexington Law at any time by calling 800-341-8441.

Bottom line

Lexington Law provides three tiers of service to select from alongside a friends and family discount and a free credit consultation. However, even its most inexpensive tier of service is pricier than many of its competitors and the number of online customer complaints about this provider is something to be wary of.

Explore your options with other credit repair service providers before you make a decision to ensure you get the best service for your individual credit needs.
Images: Lexington Law

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