Lexington Law Lexington Law
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Lexington Law Review

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Bottom Line:
An actual law firm that specializes in credit repair law; organized, easy-to-use and reputable; identity theft protection insurance; friends and household discount

Full Review:
[Editor's Note: Lexington Law has set up an exclusive 800 number where NextAdvisor.com visitors can speak to a Lexington Law representative to ask questions and order by phone. If you'd rather order by phone than online or just have more questions, please call 1-888-615-3767 anytime Monday through Friday 8 a.m. - 12 a.m., Saturday 9 a.m. - 11 p.m. or Sunday 9 a.m. - 10 p.m. ET]

If you are looking to repair your credit, Lexington Law is your best bet. It has a proven track record of successfully disputing derogatory items from credit reports and has scored an "A-" rating from the Better Business Bureau, making it one of the top-rated credit repair services we reviewed.


Pricing

Lexington Law offers a simple, three-tiered pricing structure. First, you get a free consultation that includes a summary of your credit report and scores as well as recommended solutions. If you decide to sign up, you pay an initial fee of $99.95 (this cost varies depending on the state you live in) to get things started. After that, your cost per month depends on which of Lexington Law's three service packages you choose.

The Concord Standard package costs $89.95/month and includes credit bureau challenges as well as debt validation requests, goodwill interventions with creditors and escalated information requests. If you would like credit report monitoring along with your credit repair service, Lexington Law offers the Concord Premier package for $109.95/month, which also includes credit score analysis reports. The PremierPlus package costs $129.95/month and includes everything from the Concord Standard and Concord Premier packages, as well as identity theft protection insurance, cease and desist letters and other personal finance tools. You can cancel the service at any time.

Lexington Law also offers a discount for friends and family that allows you and another person to receive $50 off your initial fees when you sign up within 72 hours of each other. Some other services offer a couples discount, but this is the only service we've seen that offers a discount to someone who is not your partner.


Services

So how does Lexington Law work? Once you pay your initiation fee, Lexington Law helps you get your credit report, and then you can decide which derogatory items you want to contest. Lexington Law will then prepare the proper legal paperwork to contest the derogatory items. When disputing those items, it will send letters to the three credit bureaus that clearly dispute the negative information in your credit report. Each credit bureau then has 30 days to investigate and authenticate the negative information with the credit companies. If they cannot authenticate the information, it must be removed from your credit report. Lexington Law also offers a free Credit Education section that can assist users in understanding their credit and find other ways to raise their credit score, and the paralegal that is assigned to your case will talk with you about other ways to improve your credit, no matter which package you signed up for.


Reliability

With so many illegitimate credit repair companies promising results they can't deliver, credit repair can be a tricky business. The good news is that Lexington Law is one of the oldest, largest and most respected credit repair services, and it swears by the legality of its practices. It is completely transparent about the laws around credit repair, and even posts the rules and regulations from the FTC on its site. Lexington Law also has an "A-" rating from the Better Business Bureau, although it is not accredited by the BBB.


Customer Service

Once you start using the service, Lexington Law will refer you to a paralegal who will work with you on your case. If you haven't signed up for the service or have other questions that don't have anything to do with your case, Lexington Law also provides online chat, email and a phone number (7 a.m. to midnight ET, seven days a week) for all other customer service questions, although the email almost always directs you to call a paralegal instead of giving you an answer. Although the paralegals are friendly and courteous, they are not shy about trying to get you to sign up for the service.


Conclusion

Lexington Law is the most credible credit repair service that we reviewed. Its team of law experts have been working with the credit bureaus for over 20 years, so they know what they're doing. It's a little pricier than other services, but the professionalism and transparency that Lexington Law offers are definitely worth it.

Sign up for Lexington Law | Compare to Other Credit Repair Services

If you have a question or concern we haven't answered on our site, please let us know. Your question will be added to the NextAdvisor Forums so that we and other experts in our community can answer it. Due to volume, we aren't able to respond to every question, but we answer as many as we can.



Service Details

Price:Plans start at $89.95/month
Initial Fees:~$99.95
BBB Rating:A-
Site Usability:Well organized and user-friendly
Guarantee:Yes
Customer Service:Phone, email and chat

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Related Forum Posts

  • Re: Medical debt
    Hi, Jose. If you have a derogatory item on your credit report that you would like to dispute and have removed, Lexington Law can help you prepare[...]
  • Unauthorized charge
    Hi, Beryl! We're sorry to hear you're having issues with billing and charges with Lexington Law. Like many other credit repair services, Lexington Law[...]
  • Re: Medical debt
    I have on my public records a medical debt , when I was at the hospital,medicaid paid.
  • Fixing credit reports and student loans
    Hi, Elia! Thanks for your inquiry. Credit repair services like Lexington Law are best used to remove errors or misinformation from your credit reports[...]
  • Credit repair for couples
    Thanks for your inquiry, Carmen! A few of the credit repair services we review offer specials and discounts for couples. You can read more about those[...]

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