The Lexington Law Difference

best credit repair services

Lexington Law ranks right up there when it comes to the best credit repair services, .  For over twenty years, Lexington Law Firm has been a leader in the credit repair industry.  They are one of the most respected and positively reviewed companies for their credit repair knowledge, technology, and regulatory compliance.  Above all, they are consistently ranked as one of the best credit repair agencies in the country.

What makes Lexington Law different

First and foremost, Lexington is a law firm.  This means you can trust they work ethically and operate their firm with integrity.

Here are some of the ways Lexington Law stands above and apart from the other credit repair agencies:

  • Lexington Law follows all the federal laws and state regulations that credit repair agencies are required to adhere to.
  • Lexington Law will never suggest that you participate in any illegal credit repair methods.  You also will not be advised to dispute any credit listings that are accurate.
  • Lexington Law strictly abides by all state bar requirements with regards to ethical legal practice.
  • Lexington Law has attorneys across 19 states.
  • If you live in North Salt Lake, UT, you are welcome to visit their main office.
  • All staff members receive training in consumer protection law, consumer advocacy as well as current issues in credit reporting.

Depending on the state you live in, you may have access to these additional services, including:

  • General Litigation & Services
  • Child Custody
  • Bankruptcy
  • Divorce
  • Criminal Defense
  • Property & Water Rights
  • DUI Defense
  • Pro Bono (Select Cases)

Their cutting edge services makes them one of the best credit repair services

best credit repair services

[Image by witwiccan from Pixabay ]

In business since 1991, Lexington Law has been providing effective credit repair services to their customers that are based on ethics.

  • In an effort to make their lawyer-backed consumer services more accessible and affordable, they streamlined their processes to reduce costs.
  • They created patent-pending technology that would reduce the need for large amounts of paperwork.
  • They have pioneered legal strategies that have helped increased the effectiveness of individual case outcomes leading to improved results.
  • Developed their own coaching programs to help customers understand and improve their credit scores based on their individual circumstances.

How Lexington has served their clients

With their 27 years of service, Lexington Law Firm has helped more people with their credit than any other credit repair agency.  In business this long, Lexington Law has seen pretty much every type of credit situation.  This has allowed them to refine their services so that each client gets what they need with regards to their individual situation. For this reason, Lexington Law helps more clients with their credit each year than any other credit repair agency.

They publish their results

Lexington Law has consistently produced positive results for their clients. Here are some of the ways they share their successes:

  • Last year alone, they were able to remove negative items from the credit reports of millions of their clients.  Check out their results page and also learn how they count removals.
  • Every quarter, Lexington Law publishes the number of items they were able to remove from credit reports and this is made available for public download (of course no personal information is shared).
  • All outcomes are documented and are the result of not only legal but ethical credit repair strategies.

How Billing Works

best credit repair services

[Image by StockSnap from Pixabay ]

Depending on the state you live in, a one-time first work fee will be charged 5-15 days after signing up for services. The monthly fee will kick in 30 days after this.  Service is month-to-month and you can cancel  at anytime. If you do cancel, there will be one last charge as a final payment since billing billing occurs for services already rendered.

Concord Standard

This service level covers the basics of credit report repair. Lexington Law will deal directly with both the credit bureaus and the creditors to ensure your credit reports are accurate.


Starting 30 Days After the First Work Fee

$89.95 Charged once between day 5-15

Concord Premier

This plan includes the basic credit repair services mentioned above and also a monthly credit score improvement analysis, credit monitoring, update alerts for your credit reports and access to their Inquiry Assist.


Starting 30 Days After the First Work Fee

$109.95 Charged once between day 5-15


PremierPlus includes all of the above plus a monthly FICO® Score based on TransUnion data. You will also get tools to manage your personal finances as well as access to their identity fraud alerts.


Starting 30 Days After the First Work Fee

$129.95 Charged once between day 5-15

Common questions

best credit repair services

Is credit repair legal?

It is your responsibility and right to ensure that your credit report is an accurate reflection of your behavior as a consumer.  If it is not accurate, you have the legal right to have inaccurate information removed from your report. The Fair Debt Collections Practices Act, The Fair Credit Reporting Act, and the Fair Credit Billing Act all allow you to legally pursue the disputing of inaccurate credit report information with both the individual creditors as well as the credit bureaus.

Is Lexington Law really a law firm?

Lexington Law is made up of a group of independent law firms that focuses on consumer advocacy as it relates to credit-related issues.  When you sign up with Lexington Law, you are gaining access to a team of attorneys, paralegals and legal assistants that are utilizing the most advanced systems to do their jobs in the best and most effective way possible.  Furthermore, when you work with Lexington Law, you are engaging in an agreement that will provide you with all the benefits of an attorney/client relationship.

How long does the credit repair process take?

Being that each client's case is different and so much of the credit repair process is dealing with third parties, it would not be prudent to promise a time frame for the outcome of your case.  Not only that, it is illegal to guarantee credit repair results.  With that being said, all promised work will be completed each month and all paid for services will be provided.

You can also refer to what Lexington Law has achieved for  their past clients.  Of course all cases are different but statistically, clients have seen an average of 10.2 items, or 24% of negative items removed within 4 months.

Can I repair my own credit?

The quick answer is yes. By law, you can certainly contact the creditors and credit agencies yourself in an effort to work out your credit disputes.  The question comes down to depth of experience.  With Lexington Law you know you are getting years of proven experience.  They know the credit improvement strategies which have proven to be effective.  Not to mention all the time and research you would have to expend in order to determine the right course of action for your personal situation.

In addition, once you begin the credit disputing process, you are now locked into a dialogue.  You will be required to stay on top of all communications with the credit reporting agencies and the creditors.  If you don't, the process will stall.  Lexington Law has all the properly trained staff and legal professionals that are using state of the art technology to make sure your case not only continues to move forward but in the most time effective way possible.

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