Lexington Law Credit Repair features prominently across the Internet as one of the best credit repair companies.
Among the positives, we like:
- Attorneys & paralegals on staff.
- Over a decade of history in the industry.
- Freely available educational resources.
The firm’s credit repair packages start at $89.95 per month for the “base” package. The mid-range offering costs $109.95 per month, and the top-range “PremierPlus” costs $129.95 per month.
We’re not fans of the rather complicated pricing structure. Firms who do this generally don’t score as well in our research.
The base-level “Standard” package will likely be enough for most potential customers. Especially if you are looking for only one thing: credit repair. Yet, Lexington Law’s ‘upgraded’ packages may offer worthwhile benefits for certain credit repair cases.
Our Lexington Law review dives further into the pros & cons and answers frequently asked questions potential customers may have about the service.
What We Like About Lexington Law
Our review led off with a few of the primary ‘Pros’ we like about Lexington Law. We’ll dive a bit further into those key points here.
Lexington Law is featured in our research of the top companies in the industry.
1. Popularity, Long History & Reliability
First of all, a few key ‘high points.’
One thing is clear after just an ounce of research in this industry: Lexington Law is everywhere.
Blogs and industry sources discuss this firm frequently for two core reasons:
- Lexington has been a pioneer in the credit repair industry, helping clients get fair, accurate, and verified credit reports.
- Good marketing. When you start researching credit repair you’ll soon come across Lex Law.
The answer to “what company should I hire,” no matter what job or service you’re hiring for, shouldn’t necessarily always be “the largest one.”
In the credit repair industry, though, it’s potentially a simple way to predict whether or not a company will be able to get results for your credit repair process.
Important note: As big as Lexington Law is & as helpful as it appears to be, credit repair CAN be a DIY endeavor. Learn how to repair your own credit here.
2. Personalized Support
Negative credit situations can often be very personal and embarrassing topics to discuss. That can be true with anyone, whether your conversation partner is a trained paralegal or a family member.
New Lexington Law customers will connect with an account rep — normally a paralegal — will work with you throughout their credit repair journey.
We like this personal touch. You’ll have a familiar voice as you discuss the nuances of your case and your financial life.
But, perhaps more importantly: A personal case advisor who knows your credit situation on a more intimate level could speed up the process of improving your credit history.
3. Better Customer Service Hours
Most credit repair companies offer customers service only during regular business hours.
However, Lexington Law Firm offers an expanded range of customer service hours.
It’s not quite a 24/7 help line, but with availability both before and after business hours during the week, and time slots on the weekend, you’ll have more chances to get in touch with your advisor on your schedule.
4. Actively Responds to Consumer Reviews
We admire of the firm’s willingness to engage with their customer base on certain open forums (particularly on their BBB profile), regardless of whether the reviews are positive or negative.
Note: The BBB profile also notes the active Consumer Financial Protection Bureau case.
The reviews are fairly mixed. Something important to us from our research:
Many of the negative reviewers stated they didn’t receive the level of service they’d expected. Customers were under the impression they were guaranteed results. No credit repair firm should ever guarantee results, for every credit situation is unique to each individual.
However, reviews like this could be subjective; someone who had received the same service could’ve felt satisfied with the results.
As for the positive reviews, most members reported Lexington Law’s work exceeded what they thought was possible for their credit. Others said that the service provided by Lexington lined up perfectly with their expectations, receiving exactly what they hoped to get.
Lexington Law appears to make an earnest effort to ensure its clients are happy with the service they received. If someone’s had a negative experience or complaint, the firm appears to do their best to mend their relationship with the client.
5. Quality Educational Resources
Most credit repair companies aren’t going to be able to offer award-winning material on ways to improve your credit score. That type of information generally doesn’t get more complicated than what one can find with a simple Google search.
Put simply: You can repair your credit all on your own. Hiring a company should only be done when/if you want to save time and hassle from doing it yourself.
Agencies in this industry offer one core service (for the most part): credit repair. Customer education just isn’t a strong-suit, typically, from firm to firm.
But Lexington Law Firm makes an effort to inform its clients and potential clients about their credit repair options. The credit education tab on Lex Law’s website provides eight key categories for you to explore, giving you a closer look at every aspect of credit.
Aside from the eight main topics listed below, they also have a blog with hundreds of articles containing information pertaining to all things credit:
- Credit 101 (including information on credit reporting laws such as the Fair Credit Reporting Act)
- Credit repair
- Credit bureaus
- Improve credit score
- Negative items
- Life events
- Credit cards
Lexington Law’s resources here are expansive, if-not exhaustive. While not necessarily a sure-fire reason to hire the firm to improve your credit, we see this is a “plus” for the firm’s helpfulness rating.
What We Don’t Like About Lexington Law
Lexington Law has room for improvement, based on our research:
1. Complicated Service Levels
When signing up with Lexington Law, you’re presented with three service levels at the following prices:
- $89.95 monthly fee: Concord Standard
- $109.95 monthly fee: Concord Premier – their most popular plan
- $129.95 monthly fee: PremierPlus
We prefer credit repair companies to offer their service at one, straightforward rate. Lexington’s price tiers are well-removed from straightforward.
In our opinion, most potential credit repair customers should only need their basic, Concord Standard plan ($89.95 per month).
The Standard plan includes Lexington’s full Bureau Challenges & Creditor Intervention services. This service would appear to be all you need if you’re simply looking for a company to repair your credit.
With their PremierPlus plan ($129.95/month), you receive bureau challenges, creditor interventions, inquiry assist, score analysis, report watch, TransUnion alerts, cease and desist letters, FICO score tracker, identity theft protection, and personal finance tools.
If you buy the most popular plan, Concord Premiere ($109.95 per month), you’ll receive everything minus cease and desist letters, FICO score tracker, identity protection, and personal finance tools.
As for the most basic plan, Concord Standard, you get only bureau challenges and creditor interventions — which may be enough help if you want only a quick way to fix your bad credit.
2. Additional Fee for Credit Report Pulls
Customers who enroll for Concord Standard plan pay an extra $14.99 fee for each credit report pull Lexington Law requires.
We would like to see these credit pulls included in Lexington’s service rather than charged at an extra rate. After all, you’re entitled to one free report a year from each of the three bureaus — and more and more lenders and apps such as Credit Karma will show your score for free.
Lex Law’s mid-range Concord Premier plan and its top-tier PremierPlus plan include free credit monitoring.
Keep in mind: monthly pulls of your credit report are common in any repair to track the repair’s progress. Paying an extra $15 every time you need a credit check will quickly erode the money you’d saved by choosing the basic Concord Standard plan.
We don’t know for sure, but it seems like this policy could serve to motivate customers to upgrade to a plan with a more expensive monthly fee.
3. Potential for Long Hold Times
Past customers have written about their experiences with rather lengthy hold times when calling in to Lexington Law’s customer support. This complaint pre-dates the Covid-19 pandemic which has wreaked havoc on customer service response times as companies adjust to working from home.
Remember the positives we spoke of regarding the personal paralegal assigned to your case? This is the less-stellar other-side of the coin.
Wait times to speak with Lexington Law are not particularly exciting, especially with a single point-of-contact.
However, the firm does make a handful of other communication options available to its customers:
- Online Chat
4. Not BBB Accredited
BBB (Better Business Bureau) accreditation provides businesses with a third-party validation of the company’s legitimacy and ethics.
Unfortunately, Lexington Law Firm is not accredited by the BBB. And, at the time of this review (July 2020), has a rating of ‘C’.
Smaller firms in the credit repair industry do maintain BBB accreditation. It’s somewhat strange Lexington, with its abundant resources, doesn’t enlist for its own accreditation.
However, Lex Law staff does respond to each and every complaint posted to its BBB page.
Lexington Law Reviews
Our research of past customer reviews found many to be positive-leaning.
Most credit repair companies in the United States field a mix of both good & bad reviews, and Lexington Law is no exception.
Anyone who has ever researched a product online has read terrible reviews of any product. Sites like Consumer Affairs and ConsumersAdvocate.org provide forums for these reviews.
Customer reviews are most valuable when they reveal a trend — common problems spread across various people’s experiences.
So we compiled some trends for you to consider as you shop They fall into three categories:
1. Billing discrepancies
Some reviewers have complained about their first-work fee being different than expected. Lexington Law will charge a “First Work Fee” 5 to 15 days upon a customer’s sign up.
(By law, a credit repair firm cannot charge a customer before the firm has begun work on the customer’s case. Hence the delay in charge.)
What the firm doesn’t make clear is that it bills in arrears, which means clients are billed after they receive their services. Clients mistake this for being charged for services they never received. If Lexington made this clear, we believe there’d be fewer misunderstandings and disappointments regarding the subject.
2. Repaired Items Changed After Program Completion
Past customers of Lexington Law have lamented the re-occurrence of negative items on their credit report after the firm removed those same items.
In particular, the firm’s representatives have reached out to past customers in these situations to explain Lexington:
“…cannot control the actions of creditors and other third parties after disputing items.”
Negative items removed from your credit report can reappear on your report if later found to in-fact be legitimate. This happens with any credit repair company including Sky Blue and Credit Saint.
If a negative (and inaccurate) item pops up again, you can try to have the item removed again. But, the success rate of removing a legitimate negative from your credit report is low.
And, importantly: the practice of knowingly attempting to remove legitimate negative information from your report could potentially be fraudulent.
3. Not A ‘Quick Fix’
One client on Yelp noted while Lexington Law’s services achieved their intended results, they felt that the firm was “milking the clock.”
The same client also noted that it took a longer time to achieve the intended results than expected.
Yet more reviews come from customers dissatisfied because their reports weren’t clean after 1-2 months of service. This is also a common complaint among virtually all companies, industry-wide.
As we’ve mentioned before, hiring a credit repair company is not a quick fix. A repair program can take 4 to 6 months to show beneficial results on average (if not, longer).
Ideally, some visible results in the form of credit score increases or cleaner credit reports could happen after just a month or two.
But, patience is critical with any repair process – whether you hire a firm or DIY.
Mileage May Vary
In the end – no single credit report will be identical to another, and some items simply may take more effort (thus, more time) to remove.
It’s not surprising to find complaints of delays when delays are virtually inevitable by the nature of the credit repair process.
When to Use Lexington Law?
There are numerous instances in which one may choose to employ Lexington Law.
If you have a problematic credit report, Lexington Law is a highly-visible firm to hire.
Other scenarios where Lexington Lay may be of assistance:
- You need to have items removed from your credit report
- Any questions about your credit report and the information contained therein
- You need a consultation about the best course of action to take in regards to your credit report
In a nutshell, this firm can likely help you work to remove almost any unfair, inaccurate, or unverified item on your credit report.
There are numerous credit items you can handle yourself, but consulting credit professionals like Lexington Law if anything is in question can be a wise decision.
What Can Lexington Law Remove From Your Credit?
Lexington Law advertises they can remove virtually anything removable from your credit report.
The firm has a working relationship with all three credit bureaus. Lexington also invokes several consumer protection statutes on behalf of their clients to help remove negative items from credit reports.
What The Firm Can Challenge (and potentially remove)
Inaccurate, or erroneous:
What The Firm Cannot Remove
- Actual Debts. Debtors must show evidence that you owe a debt. If they can validate your debt, you cannot have the mark removed from your credit report.
- Actual Inquiries. Same as above. If a company can show you did give permission to pull your credit, they can legally report that activity.
How Does Lexington Law Repair Your Credit?
First, Lexington Law retrieves each client’s individual credit reports from all three credit bureaus.
Lexington Law’s paralegals and lawyers then comb through the client’s credit report to identify credit issues.
The firm invokes consumer protection statutes to help protect clients and determine what to challenge and/or overturn.
The company then sends several letters (similar to our credit repair letter examples) to all three credit bureaus on behalf of their clients in regards to each individual line-item issue.
Lexington Law also offers advice to their clients on what actions the client should personally take in order to increase the chances of having certain issues resolved.
In addition, the company’s follow up service through their app allows you to continually check on correspondence from credit bureaus and other agencies regarding the status of your credit report.
The company will communicate with your individual creditors to help maintain your score and ensure its protection.
With their ‘InquiryAssist’ tool, the company allows customers to manage the negative impact creditor inquiries can have on their credit scores through inquiry removal letters.
Lexington Law also gives their clients detailed credit reports on a monthly basis, so the customer can remain vigilant and identify any abnormalities they may potentially choose to challenge.
Additionally, Lexington Law includes training on how to challenge credit report issues in the future outside of working with the firm.
How Much Does Lexington Law Cost?
As mentioned earlier, Lexington Law offers a tiered service with three different price levels. The tiers are as follows:
- Concord Standard: $89.95 per month
- Concord Premier: $109.95 per month
- PremierPlus: $129.95 per month
The Concord Standard Plan: clients receive Bureau Challenges and Creditor Interventions.
The Concord Premier Plan: clients receive Bureau Challenges, Creditor Interventions, InquiryAssist, Score Analysis, ReportWatch and TransUnion Alerts.
The PremierPlus Plan: the company’s highest service offering. In this package, clients receive all of the benefits of the Concord Premier with the additional perk of having the firm send Cease & Desist Letters to respective parties. PremierPlus subscribers also receive a FICO Score Tracker, Identity Protection Services, and “Personal Finance Tools.”
What to Expect When Signing Up
- As soon as a client signs up with the Lexington Law firm, a paralegal will contact them as their personal representative within 24-48 hours.
- Afterward, the paralegal will obtain necessary details from the client to retrieve credit reports from the three major credit bureaus: TransUnion, Experian, and Equifax. Lexington will then reach out to the client themselves to explain & identify which credit report issues Lexington finds to be most pertinent and eligible for the challenge.
- The paralegal will then direct the appropriate correspondence to creditors and reporting bureaus.
- There will be a brief waiting period. Lexington Law mentions on its website results may vary, and there are a number of different measures the firm may use to dispute/remove certain items on a customer’s credit report. Exact timing will depend on what processes are necessary to remove certain items from your report.
- The client then receives a credit score analysis when the items in question are fully resolved (if the customer has purchased a Concord Premier Plan or higher).
- The final step(s) will consist of consistent follow-up & escalation of any remaining issues.
What Results Can You Expect From Lexington Law?
Every client has different items on their credit report, making results vary.
The firm has a long history and experience in the industry using their process for the elimination of inaccurate, negative items on their clients’ credit reports.
Clients can expect to have an accessible, remarkably-responsive team in Lexington Law (albeit with the possible complaint of long hold-times).
Lexington Law does not offer a guaranteed of results. Potential customers should not also misconstrue past-customer results shared on the firm’s website (including those who saw a rise in their credit score or report) as a promise for your own repair program’s outcome.
Clients can expect to receive a thorough and in-depth follow-up. This process should enable the customer to manage any potential problems in their credit report post-repair.
Lexington Law opened its practice in 2004. The firm began by offering credit repair services, and eventually expanded into offering additional related services.
The firm’s lawyers & paralegals serve 48 states. Only North Carolina and Oregon residents are not eligible for service.
Who Owns Lexington Law?
The directing attorney of Lexington Law is John C. Heath.
Heath has served as the directing attorney of Lexington Law since 2004. With a background in litigation, Heath has helped grow the firm during his tenure.
Lexington Law continued its ascension under Heath’s leadership as one of the nation’s most popular credit repair firms.
Where is Lexington Law Located?
Lexington Law’s headquarters are in North Salt Lake, Utah. The firm also has an office in Tucson, Ariz.
Frequently Asked Questions (FAQ)
Does Lexington Law Offer a Guarantee?
Lexington Law does not offer a results guarantee.
The firm acknowledges every client’s case is unique, and there are certain nuances that can lead to differing results from one individual to another.
Lexington Law does, however, tout high success rates on their website.
Is it Possible for Deleted Items to Reappear on Your Credit Report after Working With Lexington Law?
Lexington Law acknowledges the possibility of items recurring on your credit report upon concluding their work.
Consequently, the agency offers their follow-up service to past customers to remedy this situation should the need arise.
How Long Does the Company Take To Repair Your Credit?
Lexington Law does not offer upfront guarantees or estimates as to the time it may take to repair your credit.
As every customer’s case is unique, the length for each individual case may vary.
However, Lexington Law will begin working on your credit repair service as soon as possible upon sign-up.
Is there a Couples, Family or Active Military Discount?
Lexington Law offers a Family discount. If you sign up a family or household member within 72 hours of your original sign-up, each party (you and your referred member) will receive 50% off their first work fee.
Yet, this discount will not also apply to you or your referred member’s additional monthly payments.
Also, the firm does not offer a military discount.
What are Lexington Law’s hours?
- Monday – Friday: 8:00 AM – 12:00 AM (EST)
- Saturday: 9:00 AM – 11:00 PM (EST)
- Sunday: 9:00 AM – 10:00 PM (EST)
What is Lexington Law’s Phone Number?
How to Cancel Your Lexington Law Membership?
You can cancel your membership by phone, chat or e-mail.