Lexington Law
Lexington Law was originally established in 1991, and has since helped hundreds of thousands of people repair their credit. In fact, their web site claims to have helped remove more than 7,388,795 negative items from their clients' credit report in just the year 2016 alone.
Although their track record and reputation are impressive, is Lexington Law really the best credit repair company? Or is this service full of false promises, over-exaggerated claims , and sales hype? This review will cover everything you need to know about the Lexington Law Firm, and help you decide whether or not this credit repair company is right for you.
What Can Lexington Law Help With?
Negative items on your credit report can have a very negative impact on your financial health. A poor credit score can result in higher interest rates, which can cost you thousands per year in overpaid interest. Not only that, it can keep you from being accepted for credit altogether.
With today's economic challenges, it's a necessity to have and maintain a good credit score. Here is what Lexington Law can help remove from your credit history:
- Late Payments
- Collections
- Liens
- Repossessions
- Bankruptcy
- Charge Offs
- Judgments
- and More
How Does This Service Work?
Free Case Evaluation - Once you sign up with Lexington Law, their experts will help you obtain your credit reports from the 3 major credit bureaus (Equifax, Experian, and TransUnion). Since the law requires credit bureaus to provide consumers with one free copy of their credit report per year, this step is completely free. Lexington Law will then collect information about the circumstances surrounding each questionable item in the credit report.
Legal Action - After they review your credit report, their team of lawyers will immediately begin generating "dispute letters" to all 3 credit bureaus, objecting to all of the disputable items in your credit report. Their carefully crafted strategies allow them to obtain a higher success rate for disputes created on your behalf.
Monitor Your Results - Once signed up with Lexington Law, you will receive access to an online web interface where you can track your progress in real-time. Everything is completely transparent and you can easily see the status of every credit item dispute and watch each negative item as it gets removed from your credit report.
What Type of Results Can You Expect?
When evaluating a credit repair company, the biggest indicator to look at is the success rate among clients. Here's some facts to consider about Lexington Law's credit repair service.
- Over 7 million negative items removed from credit reports in 2016.
- Clients experience an average of 10.2 items removed.
- A+ rating at the Better Business Bureau.
- Over 24 years of experience in credit restoration.
How Much Does Lexington Law Cost?
This company offers two different levels of service depending on your situation.
Standard - This plan is called "The Concord Standard" and is their basic level of service. In addition to communication with the credit bureaus, this service also includes several legal interventions targeted towards your creditors. This multi-pronged approach helps increase the likelihood of negative items being removed from your credit report.
- $99.95 Setup Fee
- $79.95 Per Month Thereafter
Premier - This service plan is called "The Concord Premier" and aims to do a little more than just addressing your credit reports with creditors and credit bureaus. This service plan offers additional benefits such as monthly credit monitoring and identity theft insurance.
- $99.95 Setup Fee
- $99.95 Per Month Thereafter
Is Lexington Law Worth It?
Considering how much a bad credit score can cost you in high interest rates or even prevent you from getting a loan, we definitely think that Lexington Law's credit repair service is worth the price. Their service plans are affordable for most consumers and is in line with its competitors.
With over 24 years of experience and A+ BBB rating, we have confidence in recommending Lexington Law for anyone looking to remove negative items from their credit report and improving their credit score. If you're still on the fence, give their team a call and get a free case evaluation to see if they can help you.
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July 14th, 2015
Bad credit can make your life a lot more difficult. Lex Law provides the freedom and security you need to purchase and pay off accordingly. They helped me qualify for my first house loan.
July 14th, 2015
I can’t believe how quickly lexington law worked for me. I was concerned that the severity of my credit issues would take months to fix, but with the help of lexington law, it’s taken half that time. They got the ball rolling the same day I called and within a week they had already accumulated a mass amount of evidence on my behalf, and they had begun writing letters to dispute my problems. The turn around has been outstanding and timely. Other companies who specialize in repairing credit issues can sometimes take weeks or months to turn around any helpful information, but not lex. My account manager was diligent and thorough. Not only did they give me a variety of possible solutions, but they also were available any time I needed them. I am approximately three weeks into the process, and I’m so happy with my service. They has been able to answer all my questions while offering the finest professional assistance money can buy.They have also given me the best insight into how I can make the most impact on my credit later on down the road. I would recommend lexington law to anyone. I am so thankful that I called.
July 14th, 2015
I was virtually debt free until after finishing my MBA. I worked hard all through school, but once I got out I had a difficult time finding work. The credit card bills and loan payments started stacking up, and I just couldn’t meet the minimal requirement. It was a scary time for my fiancé and I, but after hearing positive review after positive review we called the experts at Lexington Law. They were patient and thorough while trying to sort through and reverse the damaged I’d done to my credit. We highly suggest them to anyone who’s gotten in a financial bind.
July 15th, 2015
I highly suggest this expert company. Lexington law helped with every facet of the credit process. I did not realize how much work my credit needed until discussing my options with them.
July 15th, 2015
Because it took longer than 60 days to settle some credit disputes, I had to pay a small fee,, but it was worth it. They dissolved my credit issues, and I’m sitting pretty!
July 23rd, 2015
I was embarrassed when I went to a local car dealership to purchase a used vehicle and was denied due to a bad FICO score. Lexington law analyzed my score, and now I’m riding in style!
July 24th, 2015
"It was not until my car’s transmission gave out that I realize how important it is to have a good FICO score. I shopped at numerous different dealerships for a new vehicle without any luck.
It took so long for me to get offered any reasonable financing that I had to rent a car for almost two months. After reaching my wits end, I called lexington law, and told my account manager my situation.
She was sympathetic and happy to help. She even took the time to write up several letters to help dispute some not-so-pleasant credit issues. I’m so thankful for lexington law’s help."
August 20th, 2015
Who wants to fight credit problems alone? I certainly didn’t. I’m so thankful that Lexington Law was there to help me erase school loan credit issues. I don’t want those problems to follow me forever.
September 10th, 2015
Men talk, especially about fancy new muscle cars. When my co-worker who is also fellow alumni, rolled up in a new coup I immediately had questions.
I knew he’d had credit issues in college since we spent much of the time partying together. He turned me on to Lexington Law, and of course, I had to see what all the talk was about.
I called and the company worked just as he’d said. No prying questions or judgment. They helped me redeem my credit after years of irresponsible spending.
Thanks to Lexington, I have purchased my very own sporty new mustang.
September 19th, 2016
I am divorced and my Husband is 100% responsible for all of the debt, and the mortgage. I have a court order signed from the judge how quick can you raise my credit limit from 498 to 798, I want a car loan and credit cards I can afford them but my credit is tarnished however my court order complete aleves,myself of the responsibility of the debt and the house we once owned.
October 13th, 2016
I sign up last week and today i was notified that 1 item has been deleted. 35 more to go. Wish me luck. Will keep this posted every month.
December 3rd, 2016
If an 100 score was available that is what i would rate Lexington Law.I would tell anyone to go this please say a very excellent what they are doing they give me my life back ..... i love them.....????❤❤❤❤loo
January 10th, 2017
I used Lexington Law for about six months. I was not thinking they would make a difference since I had 53 negative accounts and I felt hopeless.. However, today, I have no negative accounts or reports on my credit reports at all three bureaus. You just have to stick with them because they will change your life. Recommend them highly.
May 23rd, 2017
I have a couple of questions my first is... Am I able to only use the service for a certain amount of time or do I have to go for the whole year??
May 30th, 2017
How long will this take to accomplish? Also. When completed are we to still pay the monthly fee?
July 12th, 2017
Need to talk or get in touch with a lawyer and trying to repair my credit scores. My credit is fair just want to raise it up so I can buy a home for me and my kids and get a good credit card that is worth having.
July 14th, 2017
They did a wonderful job for me in helping me fix my credit for a low fee. I highly recommend.
July 24th, 2017
Please explain the monthly fee (how long) and why I would want to pay $100 per month after you have resolved my initial concerns & issues.
September 26th, 2017
My brother recommended I may like this web site.
He was once totally right. This submit actually made my day.
You can not believe simply how a lot time I had spent for
this info! Thank you!
September 27th, 2017
My identity was taken about 10 years ago by a family member. I did not want to testify against him. I did have to make a police report to keep B of A from taking me to court for a debt I did not incur. Any credit would be at least 10 years old, probably well past statute of limitations but collection companies file as if more recent. I am 70 and living abroad. I want to buy a house so I need to clean up the record. I will also need to establish some good credit history. I live on 1100 a moth SS retirement. Can I be helped?
September 28th, 2017
Its best to review which repair company you would like to reach out to and speak directly with them.
October 11th, 2017
I would like to have my credit fixed but cannot afford the monthly payments for this service. Please advise.