Lexington Law Review 2023: Plans, Price, & What We Like

Written by Kim PinnelliUpdated: 6th Feb 2023
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Founded in 2004, Lexington Law is the oldest law firm specializing in credit repair. To date, they have helped thousands of Americans repair their credit.

Before we get into the details of this Lexington Law Review, remember thatrepairing your creditis a long process that involves removing errors from your credit report or issues that have lowered your credit score beyond a satisfactory level.

There are things you can do on your own to improve your bad credit score; however, if the situation is difficult, then you may need a professional, such as Lexington Law.

If you are dealing with errors in foreclosures, late payments, collections being due, or need items removed from your credit report – Lexington Law is not a bad place to start. Use this quick read to understand their services, the price structures, and the pros and cons of what they offer.

By the end, you will know if Lexington Law Credit Repair can be of assistance to you or if they are simply not worth your time and money. Find out why Lexington Law appeared on our coveted list of the best credit repair companies.

Year Founded:2004
BBB Rating:Not Accredited
PackagesConcord Standard, Concord Premier, Premier Plus
Customer Support:Email, Online Chat, & Phone Support
Pricing:$89..95 - $129.95/Month
Credit Monitoring:For Select Packages

Lexington Law Pros and Cons


  • Tailored Services to Meet Your Needs
  • Great Customer Services
  • Free Credit Consultation
  • Next-Generation Technology
  • Robust Personal Finance Tools
  • TransUnion Alerts (allowing you to know where your credit stands)
  • FICO Score Tracker
  • 10.2 Negative Items Remove (On Average)
  • Tailored Disputes
  • Credit Score Analysis
  • Credit Monitoring


  • Services are a bit expensive
  • Not Accredited by the Better Business Bureau
  • Refunds are Complex
  • No Money-Back Guarantee
  • Average Client sees results in 6-Months

What is Lexington Law?

Lexington Law is a global credit repair and legal service offered online, with its headquarters located in Utah and Arizona.

As a company that advertises, ‘we can eliminate virtually anything from your credit report that is removable,’ – they instill a great deal of hope in their clients.

Although we are not huge fans of these astronomical statements, Lexington Law’s credit repair service has the industry experience and reviews to back-up their hefty claims.

As they tout, “Lexington Law clients saw over 7 million removals on their credit reports in 2020.” This is proof positive that they know what they are doing and can help you fix your credit score.

If there is a looming error on your credit report, this can make life exceedingly difficult.

It can be daunting, time-consuming, and challenging when you are unfairly hit with a mistake on your credit report.

Lexington Law will help you navigate the complex process of credit repair and will offer tailored advice, so you can make clear next steps.

What Does Lexington Law Do?

Plain and simple, Lexington Law resolves and disputes your credit issues.

After they pull your credit report from Experian, TransUnion, and Equifax, Lexington Law will sift through your credit report line-by-line identifying potential candidates for dispute.

Lexington Law will challenge and remove:

Do not worry. You will not be filing these disputes. Lexington Law’s legal staff will draft up the letters and submit them to the credit bureaus on your behalf.

It is important to note that Lexington Law operates under the Fair Credit Reporting Act (FCRA), which means the three credit bureaus are legally obligated to investigate any dispute that is brought to them.

While they are legally disputing errors on your credit report, Lexington Law will also provide you with top-notch credit monitoring.

The Lexington Law experts can field any questions you may have, provide updates on the credit repair process, and teach you how to analyze your credit report.

Ultimately, Lexington Law wants to help you increase your credit score, so you can finally refinance your loan, mortgage, or apply for a lucrative rewards credit card.

What can Lexington Law Not do?

Lexington Law provides a lot of benefits to its members, there are a few things a legitimate credit repair company cannot do. Unfortunately, some negative items on your credit report legally cannot be removed.

Lexington Law cannot assist you with the issues listed below:

  • Legitimate and Verifiable Credit Claims
  • Real Debt & Real Inquiries: If collectors can supply hard evidence – proof – that you owe the debt, then this negative item is not considered ‘removable’ from your credit report.

In these specific cases, you will have to work out a payment plan with the debt collector and make timely payments to improve your credit score.

How Much Does Lexington Law Cost? Lexington Law Prices

Lexington Law offers three straightforward payment plans: Concord Standard ($89.95/mo), Concord Premier ($109.95/mo), & Premiere Plus ($129.95/mo).

As you can see, the cost of Lexington Law will be between $89.95/mo – $129.95/mo.

Concord Standard Services Provided ($89.95/mo)

  • Challenging and disputing the credit items that you select as requiring verification
  • Addressing issues on your behalf with the three credit bureaus
  • Creditor Intervention
  • Will provide you with a ‘fair’ credit report

This is Lexington Law’s most basic plan. With the Concord Standard, you will get tailored disputes with all three credit bureaus and credit intervention.

However, depending on your situation’s severity, this plan will lack the necessary resources to truly make an impact.

Concord Premier Services Provided ($109.95/mo)

  • Personalized Analysis of Your Credit Report
  • Assistance in Inquiries
  • Monitor all reports from TransUnion
  • Increased Control over your accounts by giving you alerts, so you know when any change takes place
  • Exclusive Access to Monthly Support from Lexington Law for any ongoing new issues
  • Credit Score Analysis
  • Creditor Interventions

This plan is a bit more aggressive and will provide you with a clear picture of where your credit stands. The Concord Premier comes with a detailed credit score analysis, TransUnion Alerts, and a credit report.

If you are looking for personal finance tools and a more tailored experience, this plan may not be the best option.

Premier Plus Services Provided ($129.95/mo)

  • All of the Items Listed Above
  • Personalized Cease & Desist Letter Service
  • FICO Score Tracking
  • Identity Theft Protection
  • Fraud Alerts in Real-Time
  • Tools to Improve your Personal Finances
  • Tools to Build Credit Overtime

The Premier Plus credit repair services offered by Lexington Law is their most popular plan. As you can see, this plan is designed to help you truly resolve your pressing credit issues.

The Lexington Law team will track your credit score, provide candid advice, file disputes, and more.

Additionally, this plan grants you access to their personal finance tools, credit monitoring, and identity protection.

>> More: How Much Does Credit Repair Cost?

Is Lexington Law Worth the Cost?

If you are ready to repair your credit, then working with Lexington Law is well worth the investment.

Increasing your credit score will save you thousands of dollars down the road when you apply for a loan or mortgage.

How so? Lenders tend to set the interest rate based on your credit score and credit history.

If you have a better credit score, you will get a loan or mortgage at a competitive interest rate.

While we all have different financial needs and goals, working with a reputable credit repair company will help jump-start your financial independence journey.

How Long Does Lexington Law Take to Repair Your Credit?

Like all things, repairing your credit is never a guarantee. Lexington Law claims most customers see results in about six months.

However, depending on your credit state, some previous clients reported seeing results within 90-days!

Remember, repairing your credit is a long and delicate process. Often, it requires multiple back-and-forth conversations between Lexington Law and the three credit bureaus.

As you can imagine, Lexington Law wants to make sure they remove all negative items from your credit report.

They enjoy seeing you succeed and achieve your financial dreams as much as you do. That is why they are in the business of credit repair.

Do Previous Customers Like Lexington Law?

As a consumer, you need to research if previous customers enjoyed their experience with Lexington Law.

You will soon find out that Lexington Law has overwhelmingly positive remarks from previous customers.

Their customers highlight their standout customer service, results, and determination to clear up all credit issues.

But what we like most about Lexington Law is how they respond to any negative comments from previous customers.

Unfortunately, most of these customers did not understand that repairing your credit takes time and effort. It is not a quick fix. If it were a quick fix, every single American would do it, but it is not.

How Do I Sign Up for Lexington Law?

Signing up for Lexington Law’s Credit Repair Service is easy and straightforward. Like most services, you can sign up entirely online, or you can give them a call.

From our experience, signing up online is easier and allows you to start repairing your credit immediately.

Click Here to sign-up for Lexington Law. It is time to solve your credit problems.

Lexington Law Login

After you sign up, logging into Lexington Law is easy. You can log in online by navigating towards the upper right-hand corner, which has a large green button that says ‘login.’ Click this button and enter your information.

Remember, you created both a username and a secure password when you signed up. These two items are your login credentials.

Once you log in, you will have exclusive access to a wide range of tools, educational resources, and the online chat function so you can interact with representatives.

Lexington Law Mobile App

Lexington Law recently rolled out a robust and intuitive mobile app, which is another reason they are one of the best credit repair companies. Their mobile application is available for both Androids and iPhones.

Ultimately, Lexington Law’s mobile app will allow you to track your credit repair journey and access detailed credit reports from all three credit bureaus.

Lexington Law Review: Customer Service

Lexington Law offers some of the best customer services in the credit repair industry.

As a client, you can reach credit experts or legal representatives online through their client dashboard or reach them by phone at 1-833-793-3000 (client support).

If you are more of an email type person, then do not worry. You can email [email protected] for any questions you may have or if you want to receive more pertinent information.

How to Cancel Your Lexington Law Account

If you are satisfied with Lexington Law’s results or if you realize their credit repair service are not for you, then fret not, canceling your account is easy and can be done entirely online or by phone.

Whether you are cancelling online or by phone, ask to speak to a paralegal.

Lexington Law’s team of paralegals will assist you in canceling your account.

Fair warning, if you are electing to cancel your subscription, then take note that Lexington Law will bill your account one last time.

After they bill your account, they will send you a confirmation email that your account has been canceled/closed.

Does Lexington Law Really Work?

Results will vary for each user, but according to Lexington Law, you should start seeing positive results within six months.

And as we mentioned earlier, thousands of positive reviews display Lexington Laws’ success in repairing credit.

How Does Lexington Law Compare to Other Credit Repair Companies?

#1. Credit Saint (Our Top Choice)

Credit Saint is a clear leader in the credit repair industry. They offer a 90-day money-back guarantee and superb results.

They are our top choice and one that warrants serious consideration if you are all-in on repairing your credit.

>> More: Credit Saint Review

#2. Sky Blue Credit

Sky Blueoffers a 90-day money-back guarantee and fast results. They offer one straightforward plan that makes it is easy (and affordable) to repair your credit. Backed by a team of experts, they bring valuable advice and transparency.

>> More: Sky Blue Credit Review or Sky Blue Credit vs. Lexington Law

#3. Tradeline Supply

If you are not sold on a credit repair company, then working with a tradeline company may be the perfect solution for you.

With a credit tradeline, you “piggyback” off someone else’s good credit score and habits.

>> More: Tradeline Supply Review

Is Lexington Law a Legit Company?

Yes! Lexington Law has helped over 500,000 Americans repair their credit. Lexington Law is an elite team that is staffed with lawyers, credit experts, and paralegals.

They are more than qualified to help you repair your credit or assist you with any credit issue you may be facing.

Is Lexington Law a Scam?

No, Lexington Law is not a scam. They are trusted by thousands of Americans to repair their credit. Lexington Law has the right resources, team, and tactics to help you make the most of your experience.

Moreover, they pride themselves on producing nothing but the best results for their customers.

Can Lexington Law Remove Late Payments? 

Removing late payments is never a guarantee. That said, Lexington Law will review your credit report, and will identify negative items to remove from the report. They will craft a formal letter of dispute, and will file it with the three major credit bureaus. While you can do this yourself, it is a complex and intimidate task to undertake. This is why we recommend using a service like Lexington Law or another credit repair company. 

Bottom Line: Lexington Law Review

Lexington Lawis a great choice if you are on the market to repair your credit. They will hold your hand throughout the process and will make sure you make the right money moves.

That said, they are not our top choice, but still can get the job done.


To assess and review Lexington Law, we evaluated the company’s industry reputation, fees, transparency, features and benefits, customer experience, support resources, security, and results. These metrics allowed us to accurately assess the reputability, integrity, and performance of Lexington Law. Read our strict editorial guidelines and credit repair rating methodologies to better understand the integrity of our reviews. 

More Credit Resources:

Kim Pinnelli
Kim Pinnelli

Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelor’s Degree in Finance from the University of Illinois at Chicago. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions.