Lexington Law

Last Updated:
9.7 Our Score
  • First Month: $99.95 (Setup Fee) Then $79.95
  • Hundreds of Thousands of Clients Since 1991
  • A- BBB Rating
  • Over 7.5 Million Items Removed in 2015
  • Family Members & Military Receive $50 Discount
  • Free Credit Score Summary

As the nation’s leading credit repair service, Lexington law is known for their relentless methods in getting clients’ credit back on track. Their experience is extensive, with 22 lawyers on staff, located in 16 states. The proof is in the pudding when it comes to Lexington Law’s results. In the company’s 25 years of business, they have repaired credit for hundreds of thousands of clients. Not only that, in 2015, their total number of questionable negative items actually removed from people’s credit reports totaled more than 7.5 million! That’s in one year alone. The sheer quantity of successful results demonstrates why Lexington Law is such a trustworthy name when it comes to credit repair.

What They Offer

You can choose from three different levels of service from Lexington Law. Start off by talking to one of their credit professionals about your current situation and the items you’d like to dispute. From there they’ll help you select the best service plan to achieve your goals.

How to Get Started – Call (800) 244-0432 your free consultation with Lexington Law. It would be helpful if you had a copy of your credit report on hand, but it’s not necessary as they can pull your credit for you. It will be considered a soft inquiry and will not hurt your credit.

Next Steps – After your consultation, you’ll be assigned a Case Facilitator. This is a highly trained paralegal who will perform the majority of the work for your account. If for some reason your situation is more complex than a Case Facilitator can handle alone, there are several Case Supervisors available to help out — lawyers who have an integral understanding of consumer credit law.

Service Plans

Concord Standard is the basic plan and includes credit bureau challenges and creditor interventions.

Concord Premier is Lexington Law’s most popular plan. In addition to the Standard plan’s offerings, it includes several other services. InquiryAssist helps protect your credit when creditors check your report. You’ll also get monthly advice from credit experts on how to improve your score, plus coaching through their Report Watch Program. An added bonus is daily credit monitoring alerts from TransUnion.

PremierPlus adds several perks to the previous plans’ services. They’ll craft cease and desist letters on your behalf, as well as track your FICO credit score each month. Plus, you’ll receive identity protection and personal finance tools with this plan.

Billing – Rather than billing customers for each item deleted from your report, Lexington Law instead charges a flat monthly fee. There are no contracts so you can cancel at anytime. This helps ensure you’re never surprised by hidden fees.

Canceling Your Service – There are no fees or penalties for cancelling your account with Lexington Law, and you can do so whenever you like. You never have to feel pressured or obligated to continue the service once you feel satisfied with your results.

Frequently Asked Questions about Lexington Law

Choosing the right credit repair company can be challenging. We have answered the most commonly asked questions about Lexington Law below.

How does Lexington Law repair my credit?

Lexington Law works on your behalf to dispute errors and misinformation on your credit report. They maintain direct contact with creditors so that you don’t have to, and they work with you to help you understand your legal rights at every step of the process.

Simply put, Lexington Law provides you with the means to effectively dispute and remove negative items on your credit report without having to do it all yourself.

How do I sign up for credit repair with Lexington Law?

You can sign up at Lexington Law on their website, or give them a call at (800) 244-0432 and get signed up over the phone. They will ask you a few questions in order be sure that you are a good fit for their service, and then collect the necessary information to open your credit repair account.

How long does it take for them to repair my credit?

Lexington Law states that they have achieved an average of 10.2 removals within 4 months for past clients. However, every person’s situation is unique and your credit repair may take more time, or it may take less.

Does they offer a guarantee for credit repair services?

No reputable credit repair company can guarantee a particular result. However, Lexington Law is unique among credit repair companies in that they are a licensed legal firm and your case will be handled by actual law professionals.

Because of this legal specialization in credit repair and their dedication to providing excellent service, many people achieve excellent results when working with Lexington Law.

What kind of items can they remove?

Any negative item that has an error (even a small error) or is even questionable can be successfully disputed. Regardless of what type of negative listing on your credit report, including a bankruptcy, student loans, late payments, repossessions, hard inquiries, paid collections, judgments, charge offs, etc., there are ways to dispute it and have it removed.

Can deleted items be added back to my credit report after they’ve been removed?

It is very rare for deleted items to be added back to your credit report. This is because consumer protection laws make it difficult for creditors to re-add a previously deleted item. Creditors know this, and it’s not often that they try to add a previously deleted debt.

Lexington Law vs. other credit repair companies – which is best?

Lexington Law gets an excellent review score and it’s our most highly-recommended credit repair company. That being said, credit repair is a very personal choice and what works well for one person may not be a good fit for another. We encourage you to take a look at our credit repair company reviews and choose for yourself based on your own needs.

Where is Lexington Law located?

Lexington Law has offices throughout the United States, and their main office is located in Utah. Other states with law offices include: Alabama, Arizona, California, Delaware, Kansas, Louisiana, Maine, Maryland, Michigan, Mississippi, Nevada, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, and West Virginia.

However, office visits are not required. You can sign up & communicate with Lexington Law online or over the phone.

How much do they charge to perform credit repair?

Lexington Law has three different price tiers for their credit repair services. The Concord Standard Service has a $99.95 setup fee but is only $79.95 per month thereafter. The Concord Premier is it the most popular service. It also has a $99.95 setup fee and is $99.95 per month for the service thereafter. The PremierPlus Service has a $99.95 set up fee as well and is $119.95 per month. You can contact Lexington Law at (800) 244-0432 to have each of the levels of service explained to you in detail.

TransUnion credit monitoring, a credit report alert system, help with removing hard inquiries on your account, identity theft insurance, and analysis on how to improve your credit scores, month after month.

Does they offer a discount for family members or couples?

Lexington Law offers a 50% discount on the initial setup fee for family members or couples who sign up for credit repair services within 72 hours of one another.

What is Lexington Law’s phone number?

You can get in touch with Lexington Law at (800) 244-0432.

What are their call hours?

You can call Lexington Law at any time, day or night – they have professionals who work around the clock.

How do I cancel my credit repair service?

You can cancel your credit repair services from Lexington Law at any time. They charge on a month-by-month basis, and you are only charged after work has been completed, not before. You can cancel by calling 1-800-341-8441.