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If you are looking for a credit repair company, Lexington Law is a potential option for you. Check out this in-depth Lexington Law firm review and learn if they are the right company for you.
Lexington Law has been in the credit repair business since 1991. One of the benefits of this company is that it is an actual law firm.
In addition, they are one of the oldest and best credit repair companies around. If you are wondering if Lexington Law really works for credit repair, their website says they have successfully provided over 70 million removals of credit report issues.
There are a lot of reasons you might need Lexington Law. Maybe you have a bunch of inaccurate things on your credit report. Or maybe a fraudulent account. Or maybe you don’t even know what to look for!
According to the FTC, 5% of consumers have errors on their credit reports that can cause unfavorable loan terms and lost money.
Lexington Law can help you with all of these issues. They can work to repair and improve your credit report and potentially raise your credit score. You just have to sign up on their website and start the process.
In this in-depth review of Lexington Law, we will give you all the information you need to know in order to decide if you should choose them. Here are a few of the things we will cover:
- The cost of Lexington Law Firm Credit Repair
- The pros and cons of Lexington Law
- Lexington Law Reviews and Ratings
- And much more!
If you want to skip ahead, click the links in the Table of Contents below.
Lexington Law Firm Review OVerview
Lexington Law is a reputable credit repair agency with many years of experience and thousands of clients. They have succeeded in getting over 70 million items removed from credit reports. You can sign up online for a free credit consultation.
- Actual lawyers
- Tons of experience
- Multiple plan options
- Patented repair process
- #1 rated app
- C rating with the BBB
- Pending lawsuit
- 3 Pricing tiers
My experience with credit repair
Many years ago I had not one, but two fraudulent accounts opened that showed up on my credit report. And I had no idea for months and months! Until a lot of damage had been done.
Lexington Law could have fixed this issue for me had I known anything about them at the time. But I didn’t!
Someone had opened an account under my name, using my social security number except with two numbers switched in position. In spite of that inaccuracy, it still showed up on my credit report.
The number was almost exactly the same and it was under my name. The crazy thing is, I had no idea! This unpaid account was under my name and on my report for many months before I knew.
The only way i found out was when a collection agency finally called me, and was super aggressive and scary about the money. When I told them it wasn’t my account they accused me of lying!
According to the Consumer Financial Protection Bureau, more than one-in-four consumers (28 percent) with a credit report in the CCP in 2018 had at least one third-party collections like mine on their file.
Had I known about Lexington Law, I could have contacted them and had them take care of it. Plus, I might have found out about it much sooner about the issue if I had been using their credit monitoring and counseling services.
I did end up getting the inaccurate account and delinquencies from it removed from my report. But, it took a lot of time and stress and trying to figure out how and what I was supposed to do. Plus, once I had it removed from my report, I also had to contact the collection agency.
Because of that one account, (and shortly later a second one by the same people), my credit score had dropped all the way into the 500s! Which is very damaging.
Even one small thing on your report that is negative, like a late payment, can cause your score to drop a lot. But a score of 500 will prevent you from doing anything you want or need to.
If you have an issue like this, or something less dramatic that is just an inaccuracy on your report, Lexington Law can work to have the issue fixed for you.
In addition, because they have digital partnerships with the bureaus that the average consumer doesn’t, Lexington Law can repair your credit much more quickly than you can.
What is Lexington Law?
Lexington Law is a team of actual lawyers and paralegals that provide credit repair services. With 30 years of experience, they are one of the best credit repair companies out there.
And, having actual lawyers to work on your credit is a bonus for sure. Plus, they say that actually have a patented credit repair process.
They are an established company that have served thousands of clients. For a monthly fee, they can work to remove negative items from your credit report that are causing damage.
Does Lexington Law Firm really work to fix Your Credit?
Is Lexington Law legit? Or is Lexington Law a scam? You might be wondering if Lexington Law really works to fix your credit.
The answer is yes! They can help you and are worth hiring.
They work to improve your credit report by removing inaccurate negative items and issues from your report.
It can be difficult to get inaccurate items removed from your report yourself. There isn’t a phone number for the credit agencies that you can easily call and the process can be time-consuming and stressful.
And, according to the Lexington Law website, they have successfully provided over 10 million removals.
But, having an established credit repair company like Lexington Law work on your behalf can make a difference and save you a lot of time and trouble. It can go a long way to repairing your credit and improving your credit score.
Results of course can vary by individual, depending on your specific situation and credit report.
They can also provide you with on-going credit monitoring and counseling on how to improve your credit score even more.
Hiring Lexington Law is actually a great investment to make. A good credit score can save you thousands of dollars over the life of a home mortgage! If you credit score is higher, you will get approved for a lower interest rate which saves you money.
And conversely, a bad credit score means you will pay more for anything you finance, like a car or house. And, in some cases you just may not be able to even get credit.
So hiring Lexington Law to improve your credit is well worth the money in the long run.
How do credit repair companies repair your credit?
Credit repair companies like Lexington Law will work to have inaccurate, negative items removed from your credit report tor repair your credit. They will also provide you with credit counseling and monitoring to help you further repair your credit.
Here are some items that a credit repair company will fix for you:
- Incorrect credit inquiries
- Inaccurate accounts
- Fraudulent activity
- Accounts that don’t belong to you
- Duplicate accounts
- Delinquencies and derogatory marks on your credit
- Missing accounts that should be appearing on your reports
According to Lexington Law, one negative item on your credit report can lower your score by 100-200 points.
Here are some more items that can lower your credit score:
As you can see, your credit score can go up or down by a lot of points based on certain occurrences. With Lexington Law working to have items removed from your report, it can cause your credit score to go up.
If you feel that you don’t need a credit repair company and are just looking for a way to boost your credit score, you can purchase a tradeline. This adds the credit history of a seasoned, positive account to yours.
Lexington Law Reviews and Ratings
Lexington Law has some very high overall customer ratings and reviews as you can see below. They even have a 4.5 rating with Trustpilot.
One downside to Lexington Law is that they have a mediocre rating with the Better Business Bureau. They have a C rating with the Better Business Bureau (BBB.) Complaints include overpromising on credit score improvement claims and not getting enough results.
However, for any credit repair company, results can vary and depend on the account and individual circumstances. So, it is not the most detrimental sign as to whether Lexington Law can fix your credit issues.
In addition, they seem to address and resolve any complaints raised against them.
Lawsuit against Lexington Law
In addition, another ding against the credit repair company is a current lawsuit against them. In 2019, the Bureau for Consumer Financial Protection (CFPB) filed a lawsuit against them. The gist of it is they are accused of deceptive marketing practices.
Affiliate companies that they own were marketing things like “Rent to own” opportunities when they didn’t actually have rentals. It was just a tactic to bring customers in.
How the suit will turn out remains to be seen, but Lexington Law is currently trying to get it dismissed.
How Much does Lexington Law cost?
The price of credit repair services with Lexington Law ranges from $89.95 to $129.95 per month, depending on the plan you choose and the level of support you want.
The more you pay, the more features you will get. As we already mentioned, paying them to repair your credit is well worth it. It can save you thousands of dollars in interest rates on anything you try to finance during your life!
Credit services plans and what they include:
This it the basic credit repair plan from Lexington Law and the most affordable. It includes Bureau challenges and Creditor interventions to help you fix specific credit issues.
A bureau challenge just means that Lexington Law will contact the 3 credit bureaus to get negative items removed from your credit report.
One negative about the basic plan is if they have to pull your credit report more than once, they will charge you an extra $14 for the additional times. However, you can get your report free from the bureaus yourself.
An intermediate plan, it includes everything in the basic plan plus these additional credit fixes:
- Score analysis
- TransUnion® alerts
With this plan, you get to see a chart of your credit score and how it improves every month. InquiryAssist can help if you’ve had excessive credit inquiries which can bring down your score. Plus, ongoing alerts to any credit changes while you are signed up with Lexington Law.
If you need aggressive credit repair, you should adopt for Lexington Law’s Premier Plus plan. The advanced plan of course includes everything from the basic and intermediate credit repair plan, plus these additional benefits:
- Cease & desist letters
- FICO® score tracker
- Identity protection
- Personal finance tools
One of the big benefits of this plan is that it includes identity theft protection and identity theft insurance coverage.
How do I sign up with Lexington Law?
Starting the credit repair process with Lexington Law is easy. You just need to visit their website and sign up! You will actually get a free online credit report consultation.
How long does it take lexington law to start working?
The amount of time it takes varies from one person to another. It depends on your individual circumstances.
According to the Lexington Law website, most of their clients stay on the plan for around 6 months to get the maximum value.
However, that doesn’t mean that you couldn’t find success in a shorter period of time.
How does Lexington Law’s Credit Repair Work?
The process for credit repair with Lexington Law starts as soon as you sign up. Depending on the plan you choose, they will go through a process on fixing your credit. The first step is that they will pull your credit report from all 3 bureaus: TransUnion, Experian and Equifax.
Credit report review
Lexington Law will review every item on your credit report, identifying any negative items that could be lowering your credit score. They will create a plan for targeting everything that could be removed in order to help improve your credit.
The next step in the Lexington Law credit repair process is to dispute issues. They will write letters and reach out to the credit bureaus to dispute and request removal of anything inaccurate.
Because of the Fair Credit Reporting Act, nothing can be on your credit report that is not valid, verifiable or accurate.
Negative items, no matter how small, that do not meet this criteria can be removed from your credit report. One of the benefits of working with Lexington Law is that the cease and desist letters are coming from actual lawyers, which packs a little more punch than just anyone sending them.
Credit Dispute Escalation
In some cases, a credit dispute may require a lot of time and effort. If initial efforts are unsuccessful in getting something negative removed from your credit report, Lexington Law will escalate the process.
They will continue to work to dispute the negative items, getting them removed in order to repair your credit.
Credit Score Analysis and Credit Counseling
Another service the Lexington Law credit repair firm provides is ongoing credit monitoring and support for maintaining good credit.
You can get online access to your credit score and analysis with their online portal and app. They will also provide you with credit counseling solutions that will help you reach your credit goals.
Lexington Law Pros and Cons
Here are some of the pros and cons of Lexington Law credit repair.
The Pros of Lexington Law:
#1 App: The Lexington Law credit repair app is top-rated and a favorite with customers.
In depth education tools: Lexington Law firm offers some really excellent credit education tools. They also offer credit counseling to help you continue to improve your credit and to maintain a good credit score.
Prestige of real lawyers: Having real lawyers work on your behalf brings a lot of extra clout and power. According to the Lexington Law website, one of the advantages of their company over other credit repair companies is the fact they use specific laws to protect your credit from situations out of your control.
Law offices in many cities: Another advantage to hiring Lexington Law is that they have many brick and mortar office locations throughout the US. You can actually go in and talk to real people.
Years of experience: Lexington Law has been in business for many years. They have over 70 million removals on credit reports that they are responsible for. With so many years of experience, they are experts in credit repair.
The Cons of Lexington Law
Not always the results you want: This is actually true of any credit repair out there. Because credit repair depends on your individual circumstances and credit report, there may be some instances of things they can’t fix. But another company will have the same result in that case, it is typical. An initial call with Lexington Law can help you understand your options.
Lawsuit: There is a lawsuit against Lexington Law for sketchy advertising.
Alternatives to Lexington Law
There are other credit repair companies out there that you can try! Here are some options:
Credit Saint has been in business since 2004 and they have an A+ rating from the Better Business Bureau so they are an excellent option to repair your credit.
CreditRepair.com is another company you can hire. You can actually get a free online credit evaluation just by clicking this link.
Another credit repair company with an A+ BBB rating is The Credit Pros. They have a 90 day money-back guarantee.
Final Lexington Law Firm Review Thoughts
Ultimately as I can attest from personal experience, hiring a professional firm like Lexington Law to help with credit repair is a good choice.
They are a reputable firm with years of experience and I recommend hiring them.
Lexington Law Offices and Contact Information
Below is a list of the Lexington Law offices and their addresses throughout the US. You can also just sign up online and start the credit repair process that way!
|AL||Birmingham||(833) 792-6000||2100 South Bridge Parkway, Suite 650, Birmingham, AL 35209|
|AZ||Phoenix||(919) 568-3835||US Airways Center, 201 E Jefferson St, Phoenix, AZ 85004|
|AZ||Phoenix||(833) 333-7566||2133 W Peoria Ave, Phoenix, AZ 85029|
|AZ||Phoenix||(844) 236-5024||20620 N 19th Ave, Phoenix, AZ 85027|
|AZ||Tucson||(833) 333-8077||203 W Cushing St, Tucson, AZ 85701|
|CA||Los Angeles||(919) 568-3832||4550 W Pico Blvd, Los Angeles, CA 90019|
|CA||San Diego||(919) 568-3838||969 Ninth Ave, San Diego, CA 92101|
|CO||Denver||(919) 568-3849||2540 Holly St, Denver, CO 80207|
|FL||Jacksonville||(919) 568-3842||2199-2031, Clemson Rd, Jacksonville, FL 32217|
|FL||Jacksonville||(833) 333-7466||111 N Julia St, Jacksonville, FL 32202|
|ID||Idaho Falls||(833) 792-9000||1935 International Way, Idaho Falls, ID 83402|
|IL||Mundelein||(833) 791-6000||24370 West Old Oak Dr, Mundelein, IL 60060|
|IN||Indianapolis||(919) 568-3847||2998-2900, Boulevard Pl, Indianapolis, IN 46208|
|KS||Overland Park||(833) 791-4000||7015 College Blvd Suite 375, Overland Park, KS 66211|
|LA||Gretna||(833) 791-7000||401 Whitney Ave Suite 126, Gretna, LA 70056|
|LA||New Orleans||(800) 768-2305||3520 General De Gaulle Dr #1035, New Orleans, LA 70114|
|MA||Boston||(919) 573-8472||98-50 Turner St, Boston, MA 02135|
|MI||Warren||(919) 568-3829||25879 Hoover Rd, Warren, MI 48089|
|MI||Sterling Heights||(919) 568-3830||37399, 37201 Maas Dr, Sterling Heights, MI 48312|
|MI||Waterford Twp||(833) 333-7266||2745 Pontiac Lake Rd, Waterford Twp, MI 48328|
|MS||Jackson||(833) 333-8177||234 E Capitol St, Jackson, MS 39201|
|NY||New York||(833) 336-0339||225 Broadway #3800, New York, NY 10007|
|NC||Charlotte||(919) 568-3846||2399-2301, Warburton Rd, Charlotte, NC 28211|
|OH||Columbus||(919) 568-3845||3462-3614, Greenwich St, Columbus, OH 43224|
|OK||Oklahoma City||(833) 792-7000||7725 W Reno Ave #370, Oklahoma City, OK 73127|
|PA||Philadelphia||(919) 568-3836||1501-1599, N Woodstock St, Philadelphia, PA 19121|
|PA||Pittsburgh||(833) 792-3000||437 Grant St Suite 1240, Pittsburgh, PA 15219|
|SC||Bluffton||(833) 333-8377||181 Bluffton Rd Suite F-202, Bluffton, SC 29910|
|TN||Nashville||(919) 573-9217||666 Alley, Nashville, TN 37212|
|TX||El Paso||(844) 236-5024||Union Bldg East, El Paso, TX 79902|
|TX||Houston||(919) 568-3834||10100, 10148 Sangerbrook Dr, Houston, TX 77038|
|UT||North Salt Lake||(833) 333-7977||360 N Cutler Dr, North Salt Lake, UT 84054|
|VA||Stafford||(919) 568-3831||59 Quarry Rd, Stafford, VA 22554|