Lexington Law Credit Repair Review (2020): The Details You Need to Know

Credit
June 20, 2020
Written by Drew Cheneler
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Credit
June 20, 2020
Written by Drew Cheneler
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Lexington Law is one of the most popular credit repair companies around. Founded in 2004, Lexington Law has helped thousands of Americans repair their credit. Before we get into the details of this Lexington Law Review, remember that repairing your credit is 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 credit score; however, if the situation is difficult then you may need a professional, such as Lexington Law. Find out why Lexington Law appeared on our coveted list of the Best Credit Repair Companies.

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.

Who is Lexington Law?

Lexington Law is a global credit, 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 instil 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 experience and reviews to back-up their hefty claims. As they tout, “in 2017 alone, our clients saw 10 million negative items remove from their credit reports.”

If there is a looming error on your credit report, this can make life exceedingly difficult. It can be daunting, time-consuming, and is a challenge when you are unfairly hit with a mistake on your credit report.

Lexington Law is a Top Credit Repair Company.

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:

  • Charge Offs
  • Collections
  • Late Payments
  • Bankruptcies
  • Repossessions
  • Foreclosures

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, 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 top notch credit monitoring. The experts at Lexington Law can field any questions you may have, provide you updates on the credit repair process, and will 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?

While Lexington Law provides a lot of benefits to their 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 & Verifiable Credit Claims
  • Real Debt & Real Inquiries: If collectors can supply hard evidence – proof – that you owe debt, then this is 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
  • Will provide you a ‘fair’ credit report

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 your alerts, so you know when any change takes place
  • Exclusive Access to Monthly Support from Lexington Law for any ongoing new issues

Premiere Plus Services Provided ($129.95/mo):

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

Is Lexington Law Worth the Cost?

If you are ready to improve 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 off your credit score and credit history, so if you have a better credit score then 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 journey towards financial independence.

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 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.

Lexington Law Review: Do Previous Customers Like Lexington Law?

As a consumer, it is important for you 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 reach them by phone at 1-888-981-7698. 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 login 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 login, you will have exclusive access to a wide range of tools, educational resources, and the online chat function.

Lexington Law Mobile App

Lexington Law recently rolled out a robust and intuitive mobile app, which is another reason why 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

As you can imagine, Lexington Law offers some of the best customer service in the credit repair industry. As a client, you can reach credit experts or legal representatives online through their client dashboard, or you can reach them by phone at 1-833-793-3000 (client support). If you are more of the email type person, then do not worry. You can email quickanswers@lexingtonlaw.com 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, cancelling 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 cancelling 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 cancelled/closed.

Lexington Law Review: Does Lexington Law Really Work?

Results will vary for each user, but according to Lexington Law within six months you should start seeing positive results. And as we mentioned earlier, there are thousands of positive reviews that display Lexington Laws success in repairing credit.

Alternatives to Lexington Law:

  • Credit Saint – One of Lexington Laws main competitors, this firm brings forth years of experience and phenomenal results.
  • Sky Blue Credit Repair – A relatively new credit repair company that is attracting a legion of loyal fans.
  • Tradeline Company – If you are not sold on a credit repair company, then working with a Tradeline company may be the perfect solution for you.

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.

Drew Cheneler
Drew Cheneler
Drew is a recognized Credit, Small Business, and Personal Finance Expert. He has been quoted in CNBC, The Huffington Post, Business.com, Moneyunder30, and more. He is known for breaking down complex personal finance topics into action-oriented advice, so you can make the most of your hard-earned money.