As one of the most recognizable names in credit repair, Lexington Law has been helping clients improve their credit scores for years. Backed by experienced legal professionals, the firm uses its expertise to dispute inaccurate or questionable items on credit reports, giving clients the tools to achieve healthier financial outcomes.
What Lexington Law Offers
Lexington Law provides comprehensive credit repair services. Begin by consulting one of their credit professionals to assess your situation and determine the best approach to address the items you want to dispute.
How to Get Started with Lexington Law Credit Repair
Getting started with Lexington Law is simple. You can sign up online to begin the process. Their straightforward process makes it easy to take the first step toward better credit.
Next Steps
After signing up, you’ll be assigned a Case Facilitator, a trained paralegal who manages most aspects of your case. For more complex situations, Lexington Law has Case Supervisors and licensed attorneys who specialize in consumer protection laws, including the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA). Their legal expertise ensures that your credit disputes are handled with the highest standards.
Lexington Law’s Service Plan
Lexington Law offers a single, all-inclusive service package designed to address a wide range of credit repair needs. This plan includes:
- Credit bureau disputes.
- Creditor interventions.
- Ongoing credit monitoring and updates.
- Personalized strategies for improving your credit.
- Identity theft protection with up to $25,000 in insurance coverage.
With transparent pricing at $99.95 per month, you can focus on improving your credit without worrying about hidden fees. Lexington Law also offers a no-contract policy, so you can cancel anytime if you’re satisfied with your progress or need to pause services.
Canceling Your Service
Lexington Law’s flexible approach means you can cancel your account at any time without fees or penalties. Simply contact their customer service team to stop the service when you’re ready.
Frequently Asked Questions about Lexington Law Firm
Here are some commonly asked questions about Lexington Law to help you decide if it’s the right choice for your credit repair needs.
How does Lexington Law work to repair my credit?
Lexington Law disputes inaccuracies on your credit report directly with the credit bureaus and creditors. They also help you understand your rights under consumer protection laws, so you can stay informed throughout the process.
Their team negotiates effectively on your behalf, aiming to remove items like late payments, collections, or judgments that may be negatively impacting your credit.
How long does it take for them to repair my credit?
Credit repair timelines vary depending on your unique situation. Many clients see progress in just a few months. Lexington Law provides consistent updates, and clients on higher-tier plans can access monthly FICO score tracking to monitor their progress.
Does Lexington Law offer a guarantee?
While no credit repair company can guarantee specific results, Lexington Law is a licensed law firm with extensive experience in consumer law. This sets them apart from other companies. Keep in mind that reputable firms will never promise a particular credit score improvement, as results depend on individual circumstances.
What types of negative items can Lexington Law remove?
Lexington Law can dispute a wide range of items, including:
- Late payments
- Collections
- Charge-offs
- Bankruptcies
- Repossessions
- Hard inquiries
- Judgments
Their legal team reviews your credit report for errors or questionable items and disputes them on your behalf.
Can items be added back to my credit report after being removed?
It’s rare for removed items to reappear on a credit report, as consumer protection laws make it difficult for creditors to do so. If an item is added back, Lexington Law can assist in addressing the issue.
How much does Lexington Law cost?
Lexington Law’s monthly fee is $99.95, which covers all services, including credit bureau disputes, creditor interventions, and identity theft protection. There are no additional setup fees, and you can cancel anytime.
Does Lexington Law offer a discount for family members or couples?
Yes, Lexington Law provides a 50% discount on the initial setup fee for couples or family members who sign up within 72 hours of one another. This option is ideal for joint financial goals, like preparing for a mortgage or auto loan.
What are Lexington Law’s customer service hours?
Customer service is available Monday through Friday, from 7:00 am to 7:00 pm MST.
How do I cancel my credit repair service?
Canceling is straightforward. Since billing is month-to-month, you’re only charged for work already completed. To cancel, contact their customer service team, and your service will stop immediately.
