Lexington Law vs. CreditRepair.com: Which Is Better?
When your credit is holding you back, choosing the right credit repair service matters. Lexington Law and CreditRepair.com are two of the most recognized names in credit repair, but they approach the process differently.
If you’re searching for a clear comparison, you want straight answers on effectiveness, pricing, and reputation. This breakdown puts the two side by side so you can see what each service offers and which one may be a better fit for you.
Lexington Law vs CreditRepair.com: Quick Comparison Table
Here is a side-by-side look at how these two credit repair companies compare on the features that matter most.
| Feature | Lexington Law | CreditRepair.com |
|---|---|---|
| Success Rate | Legal-driven process, slower results reported | Aggressive disputes, faster removals reported |
| Monthly Pricing | $99.95–$139.95 | $69.95–$119.95 |
| Setup Fee | $0–$129.95 | $0–$14.99 (varies) |
| Money-Back Guarantee | No | No |
| Credit Score Tracking | Included only on higher-tier plans | Included on all plans |
| BBB Rating | C | B |
| FTC Complaints | Higher volume tied to Progrexion | Moderate volume |
| Customer Support | Phone + App | Phone + App + Online Portal |
Company Background & Reputation
When comparing these two companies, it helps to look at their history and track record. Both have been in business for years, but their reputations are not the same.
Lexington Law
Lexington Law began operating in 2004 and markets itself as a law firm that specializes in credit repair. It is backed by Progrexion, a large marketing company that has worked with several credit-related brands.
The company has faced action from the Consumer Financial Protection Bureau and the Federal Trade Commission over its billing and marketing practices. Its Better Business Bureau rating currently sits at a C, with many complaints focused on service quality and customer experience.
CreditRepair.com
CreditRepair.com launched in 2012 and is also part of the Progrexion network. Unlike Lexington Law, it positions itself as a tech-driven platform with a strong focus on mobile app tools and online support.
It holds a Better Business Bureau rating of B, which is slightly higher than Lexington Law. While reviews are still mixed, CreditRepair.com has fewer regulatory concerns and a reputation for being more accessible through its app and portal.
Plans & Pricing Breakdown
When comparing Lexington Law and CreditRepair.com, the monthly costs and setup fees play a big role. Here is how their plans are structured.
Lexington Law Plans
- Concord Standard – ~$99.95/mo: Basic disputes with credit bureaus but limited extra features.
- Concord Premier – ~$119.95/mo: Adds credit score monitoring and ongoing alerts.
- PremierPlus – ~$139.95/mo: Includes identity theft protection and additional legal interventions.
- Setup Fee: $0–$129.95 depending on the plan chosen.
CreditRepair.com Plans
- Direct Plan – $69.95/mo: Entry-level plan with disputes and access to online tools.
- Standard Plan – $99.95/mo: Adds credit monitoring, credit score updates, and analysis.
- Advanced Plan – $119.95/mo: Includes identity theft protection and more frequent disputes.
- Setup Fee: $0–$14.99 depending on current promotions.
Features & Tools Comparison
The best credit repair service goes beyond sending dispute letters. Here is how Lexington Law and CreditRepair.com compare on tools and support.
Dispute Process
- Lexington Law: Takes a legal-style approach that can be slower and more formal.
- CreditRepair.com: Uses a bulk dispute process aimed at quicker removals.
Credit Monitoring & Tracking
- Lexington Law: Offers monitoring only on mid-tier and higher-tier plans.
- CreditRepair.com: Includes credit monitoring across all plans at no extra cost.
Customer Dashboard & App Experience
- Lexington Law: Provides a mobile app, though many reviews mention glitches and delays.
- CreditRepair.com: Features a more highly rated app with clearer tracking and real-time alerts.
Refund Policy & Guarantee
Neither Lexington Law nor CreditRepair.com offers a money-back guarantee. This is important to know upfront since many customers expect at least some form of protection if no items are removed.
- Lexington Law: No refund policy once services begin.
- CreditRepair.com: Does not provide refunds or a satisfaction guarantee.
Customer Reviews & Complaints
Customer feedback gives insight into what you can expect from each company.
- Lexington Law: Has faced a higher number of complaints filed with the Consumer Financial Protection Bureau and the Federal Trade Commission. Many reviews cite billing concerns and lack of results. Better Business Bureau rating: C.
- CreditRepair.com: Reviews point to mixed results but generally highlight a better app experience and more accessible tools. Better Business Bureau rating: B.
Which Credit Repair Company Is Best for You?
The right choice depends on your personal goals and budget. Here is a quick decision guide to help you weigh the options.
| Scenario | Better Choice |
|---|---|
| You want the lowest monthly cost | CreditRepair.com |
| You prefer a law firm approach | Lexington Law |
| You want stronger mobile app and tools | CreditRepair.com |
| You need legal documentation support | Lexington Law |
Step-by-Step: How to Get Started
Signing up with either company is straightforward, but the process has small differences.
Getting Started With Lexington Law
- Select a plan: Choose from Concord Standard, Concord Premier, or PremierPlus.
- Enroll online or by phone: Provide your basic information and confirm your service level.
- Submit verification: Confirm your identity and provide access to your credit reports.
- Track progress: Use the mobile app or phone support to review dispute updates.
Getting Started With CreditRepair.com
- Pick a plan: Choose from Direct, Standard, or Advanced.
- Sign up online: Enrollment can be completed in minutes.
- Get connected: Access credit monitoring tools right away.
- Follow disputes: Track case activity through the app dashboard.
Final Thoughts
Both Lexington Law and CreditRepair.com are major players in credit repair, but they are not identical. Lexington Law markets itself as a law firm and may appeal to people who want legal support, while CreditRepair.com is often more affordable and easier to use thanks to its stronger app experience.
For most people who want clear tools and lower pricing, CreditRepair.com is the more practical option. If you prefer the legal branding that Lexington Law offers, that may be the better fit for you.
Want to compare beyond these two?
Take a look at our full review of the top credit repair companies to see how they stack up.
