Lexington Law

Call Now: 1-(855) 793-5512
Things To Know:
  • Removed Over 10 Million Negative Credit Items in 2017
  • Over 27 Years of Credit Repair Experience
  • Free Credit Report Summary and Case Evaluation

Lexington Law was established in 1991 and has helped hundreds of thousands of people repair their credit during nearly three decades of operation. In fact, the company’s website claims to have helped remove 10,000,000 negative items from clients’ credit reports in 2017 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, exaggerated claims, and sales hype? This review will cover everything you need to know about Lexington Law and help you decide whether this credit-repair company is right for you.

Call Now & Get Relief….Finally!

A Lexington Law Representative is Waiting to Hear From You…

1-(855) 793-5512

What Can Lexington Law Help With?


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Negative items on your credit report can have a negative impact on your financial health because a poor credit score can result in higher interest rates, which in turn can cost you thousands per year in overpaid interest. In other words, 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. Lexington Law can help you remove many items from your credit report, including the following:

  • Late Payments
  • Collections
  • Liens
  • Repossessions
  • Bankruptcy
  • Charge-Offs
  • Judgments

This list is not comprehensive. See their website or call the company for a full set of services.

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 three 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 has no additional charge. Lexington Law will then collect information about the circumstances surrounding each questionable item in the credit report.

Legal Action: After the firm’s lawyers review your credit report, they will immediately begin generating “dispute letters” to all three credit bureaus, objecting to all of the disputable items in your credit report. These carefully crafted strategies result in a higher success rate.

Results Monitoring: Once you’ve 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 dispute and watch each negative item as it gets removed from your credit report.

Personalized Advice: If you’re a Premier customer (see section on “How Much does Lexington Law Cost?” below), the company will also send you a monthly credit score improvement analysis and give you access to their paralegal team for coaching on how to improve your credit history.

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 are some facts to consider about Lexington Law’s credit-repair service:

  • 10 million negative items removed from credit reports in 2017.
  • Clients experience an average of 10.2 items removed within 4 months.
  • A+ rating with the Better Business Bureau.
  • Over 27 years of experience in credit restoration.

How Much Does Lexington Law Cost?

This company offers three 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 at your creditors. This multipronged approach helps increase the likelihood of negative items being removed from your credit report.

  • $89.95 Per Month

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.

  • $109.95 Per Month

PremierPlus: This is Lexington Law’s most expensive (and comprehensive) offering. In addition to everything you get with Premier, you can request support with cease-and-desist letters, better data security, and more.

  • $129.95 Per Month

While there isn’t a huge jump in cost between these tiers, it’s still important to do a bit of your own research, determine your needs, and then figure out the plan that’s best for you.

Is Credit Repair Risky?

Some people are concerned if credit repair is risky — or even legal. The answer? No financial decisions are without risk, but credit repair is certainly a viable and legal path that many people take.

Passed in 1970, the Fair Credit Reporting Act (FCRA) governs the collection of credit information and access to personal credit histories. The goal of the FCRA is to make sure that the data contained in credit reporting agencies’ files are fair and accurate.

To this end, the FCRA offers many reasons for disputing negative credit items, including if a particular item is:

  • Inaccurate
  • Incomplete
  • Unverifiable
  • Untimely
  • Biased
  • Misleading

Credit repair companies like Lexington Law, Sky Blue Credit, and CreditRepair.com have emerged to help individuals who might not be familiar with the details of the FCRA make sure that their data is correct.

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 are in line with its competitors.

In conclusion, with over 27 years of experience and an A+ rating with the Better Business Bureau, we have confidence in recommending Lexington Law to 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.

As financial technologies evolves, Lexington Law also has educational resources to help users track their progress online and make faster and more secure payments.

What Are You Waiting For…

…Call Lexington Law Now To Fix Your Credit

1-(855) 793-5512

26 Comments

  1. Melissa Heidbrink
    September 25, 2019

    Currently working to settle credit card debt. Need to get credit repair for myself and my ex husband. Can you help?

  2. David Hemmens
    September 8, 2019

    I placed a security freeze on my credit report in 2007. I just recently started establishing new credit after 11 years, as all previous credit passed the 7/10 year mark and all gone. TU apparently removed the security freeze, but have 1 account with TU no score. Equifax 1 acct 562 score so credit Karma says. Experian will not respond to 6 requests by mail to remove the freeze, Experian also has my file under my old EIN and is incorrect. Annual credit report wont work. Experian returned mail 3 po boxes were no good. I recently sent Experian 4 more letters to there street address. Credit Sesame doesn’t work either. Cannot get a live person on the phone with Experian. Adding for accounts. But need Experian to remove EIN and add correct ssn and remove freeze.

  3. Katy
    March 22, 2019

    Can I used a secured credit card while Lexington Law are helping me with my credit?

    • Craig Swill
      March 25, 2019

      Katy,
      I would ask your Lexington Law representative the question. They would know the best answer.

  4. L Longmire
    March 11, 2019

    My credit rating is ecxellent. (FICO says 784). I’m trying to see what I can do to exceed 800. What can you do? Why would I need your service on a monthly basis and not just a one time fee?

    • Craig Swill
      March 13, 2019

      Hi! We just provide the data to assist you in making a decision. Its best to call one of the service companies and they are better equipped to answer your question.

  5. Orlando
    February 2, 2019

    Well see they seem very good at what they do everything I see seems good, just start I be back with and update later on

  6. DELORA LYMAN
    February 1, 2019

    I am a new customer hope u can get my negatives off of my credit.also hoping for da best.how do u delete negative .

  7. Anna Cochenour
    January 30, 2019

    Why doesn’t info include how long a person has to pay the monthly fee? Is there a contract with set terms?

  8. Janeice Starks
    January 17, 2019

    In need of serious credit help

    • Craig Swill
      January 17, 2019

      Hi Janeice,
      We do not provide the actual credit help. Our site provides data and research to help you make an informed decision in selecting a credit repair company. We wish you the best of luck.

  9. Katelyn Stinchcomb
    January 16, 2019

    I need credit help

    • Craig Swill
      January 17, 2019

      Katelyn,
      We do not provide the actual credit help. Our site provides data and research to help you make an informed decision in selecting a credit repair company. We wish you the best of luck.

  10. amber nelson
    January 4, 2019

    Hello Im interested in your services. Anyway we could email? Im busy at work and cant talk.

    • Craig Swill
      January 5, 2019

      We just provide information to help you make a decision on which credit repair company best suits your needs. You need to reach-out directly to the credit repair companies themselves.

  11. S. Hunt
    December 12, 2018

    Lexington is the real deal, I have just re-signed my 6 month contract. I was very pleased with the first results. Lexington removed several collections, several 30 day late’s as well, first 6 months I shot up over a 100 points, and now in 700 range!!

  12. De'Saun Davis
    December 1, 2018

    I need credit help

  13. Crystal Kirk
    November 24, 2018

    I also would like to know if you show up anywhere displaying that I hired a credit repair agency..

    • Craig Swill
      November 27, 2018

      No, it doesn’t show up anywhere.

  14. Hazel crowther
    November 19, 2018

    Thank you for your help

  15. kelli oliver
    November 4, 2018

    do you show up anywhere showing we hired an agency to repair? we are applying for a home build loan in January and we were told by a previous banker that a repair agency would automatically disqualify us?

  16. Marie
    October 19, 2018

    Are you affiliated with rent to own homes?

    • Craig Swill
      October 27, 2018

      No we are not affiliated with rent to own homes.

  17. Cathy Goshulak
    October 15, 2018

    I’m trying to help my son repair his credit. A few years ago he helped us with some stuff by putting things in his name and unfortunately due to some serious financial issues, we were not able to stay afloat and therefore his credit was damaged which I have felt guilty about all this time. We are now in a position to fix things and I was wondering if I would be able to work with you on getting his credit fixed and things paid up and/or taken care. Before I contacted the companies directly, I wanted to get some insight from you on this.

  18. Bruce Naeem
    August 20, 2017

    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.

  19. Patrick
    July 14, 2017

    They did a wonderful job for me in helping me fix my credit for a low fee. I highly recommend.

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