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On This Page
First payment fee: $0Monthly fee: $139.95Money-back guarantee: NoneMaximum number of challenges: 6 per cycle to both Equifax and TransUnion, 3 per cycle with Experian, and 3 creditor interventionsTypes of letters to creditors/bureaus: Intervention letters
*Often referred to as a first-work or set-up fee by other companies
Founded in 2004, Lexington Law is one of the most well-established companies in the credit repair industry. It specializes in disputing inaccurate negative items on your credit reports using a customized strategy tailored to your needs. The “Law” part of the name isn’t just for show — the company is staffed by attorneys, paralegals and other credit repair experts.
Lexington Law offers a free credit assessment and one simplified credit repair package. While services are pricier than some competitors, you get a full-featured package that includes identity theft protection, credit monitoring, a library of educational resources and a team of consumer protection law experts to help you achieve your credit goals.
A legal team backs Lexington Law’s credit repair services to ensure every possible resource is used to correct the errors on your credit report. This group of experts is familiar with all the consumer protection laws available, and Lexington Law even has contractual agreements with multiple credit bureaus.
Lexington Law offers one straightforward credit repair package that includes:
As with any reputable credit repair service, Lexington Law cannot challenge accurate negative marks on your credit history.
Furthermore, while Lexington can provide guidelines to help you improve your credit score, such as making payments on time and lowering your credit usage ratio, the company cannot manage these tasks for you.
Lexington Law currently offers only one credit repair service package. For $139.95 per month, you get the entire range of services.
However, Lexington Law does offer focus tracks to help customers get the kind of customized services they need. Focus tracks include:
Regardless of your focus track, you will receive expert guidance in addressing all the potential errors causing negative marks on your credit.
Lexington Law offers a few additional features that may make its service appealing to those in need of credit repair.
When you sign up for services, you will have the option of choosing your first payment date. This date can be anywhere from five to 15 days after the day you signed up. It will be your first payment date and the date your ongoing monthly payments will be due.
You can find useful articles about building, fixing and improving your credit on Lexington Law’s credit help page.
Monitor your credit score's progress from your phone with the Lexington Law Credit Repair app.
Lexington Law serves nearly all states in the U.S. and has standard service hours for the credit repair industry.
Lexington Law currently serves all U.S. states except Oregon.
There is no phone number published on Lexington Law’s contact page. However, customers can log in for client support, and anyone can chat with an agent online. Service hours are Monday through Friday from 7 a.m. to 4 p.m. MST.
You can also follow Lexington Law on its social media accounts:
Lexington offers customer-friendly services like an easy sign-up process, straightforward pricing and a monthly subscription you can cancel at any time. However, customer experience largely comes down to results. Customers are generally satisfied when they see their credit score improve but frustrated when it doesn't.
Lexington Law does not require a contract. You can cancel anytime to avoid being charged for the next month. Additionally, you have five business days (or more, depending on laws in your state) from the day you sign up to cancel without any obligation. If you cancel partway through the month, you may be charged a prorated fee for services already performed.
Online customer reviews can give you an idea of what a credit repair company offers. Thousands of customers have left feedback and reviews for Lexington Law:
*Review information is accurate as of December 16, 2024.
Lexington Law has many positive reviews from satisfied customers who were pleased with the expert guidance and credit protection they received, along with a noticeable increase in their credit scores. However, there are also a fair number of complaints about the price, communication and lack of credit score improvement.
It’s important to note that credit repair is not a guarantee. Credit repair companies can only send legal notices to credit bureaus to remove incorrect information; they can’t remove the inaccuracies themselves. Credit repair also depends on consumers, who need to pay bills on time and use credit responsibly to see their scores improve over time.
Lexington Law has many reviews from satisfied customers who confirm that their credit scores were improved thanks to the company's interventions. There are also a fair number of complaints that the service did not improve their credit score and was, therefore, a waste of money. However, it’s important to note that credit repair is a joint effort. Credit repair companies can send legal notices to credit bureaus to remove incorrect information, but consumers need to continue paying bills on time and using credit responsibly to see an improvement over time.
While no current legal complaints are pending against the company, Lexington Law has been the subject of previous litigation.
CreditRepair.com offers many of the same pros and cons as Lexington Law: no first payment (setup) fee, ID theft insurance included, no money-back guarantee and the same recent legal issues. CreditRepair.com offers a lower price than Lexington Law for its basic package, but that package doesn't include everything Lexington Law does.
Credit Saint offers three service packages ranging from $79.99 to $139.99 per month, with the $109.99 Credit Remodel plan being the most similar to Lexington Law’s suite of services. Credit Saint also offers a 90-day money-back guarantee for those unsatisfied with its service and features unlimited disputes with its top-tier service package. The downside is that Credit Saint charges a first work fee of $99–$195, and identity theft protection is unavailable.
Compared with Lexington Law, The Credit Pros offers a broader range of services. The Credit Pros’ Build Credit plan provides features to help you improve your credit, such as a bill reminder system, debt-payoff plan and TransUnion fraud alerts for $69 per month, but it does not include any credit challenges. For the services more commonly associated with credit repair, you would need to choose the $129 per month Repair Credit plan. Unlike Lexington Law, The Credit Pros offers a 90-day money-back guarantee.
To evaluate the best credit repair companies, the Bankrate team evaluated the following factors:
Credit repair is the process of increasing your credit score. This involves correcting errors on your credit report with the three credit bureaus and building a better credit history.
The amount of time needed to improve your credit score depends on why your score is low. For example, inaccuracies on your credit reports can be disputed and removed quickly, while other issues like bankruptcies will take years to fall off.
According to Lexington Law’s data, 77 percent of its clients saw an average credit score increase of 40 points within the first six months of services.
If you have time to contact the credit bureaus yourself, you can repairing your credit over time through strategies like making on-time payments and keeping credit utilization low.