Lexington Law Credit Repair Review

(February 2025)

In This Article

Lexington Law Credit Repair Review: Our Verdict

Lexington Law Credit repair offers a comprehensive credit repair service but comes with mixed reviews. While it has a track record of successfully disputing negative items on credit reports and providing educational resources, its services can be costly, and progress can sometimes be slow. It recently soiled its integrity after a court found it guilty of unlawful practices. In August 2023, a court judgment found it engaged in deceptive telemarketing practices to sell credit repair services, resulting in a hefty $2.7 billion penalty and a 10-year ban on telemarketing such services along with CreditRepair.com. This means it can’t solicit you over the phone anymore.

While Lexington Law is still around, these developments cast a shadow over its legitimacy and it’s a significant factor to consider before trusting the company with your credit repair needs.

Pros

  • Offers various credit repair plans.
  • Provides free consultations.
  • Has a long history in the credit repair industry.
  • Uses lawyers and paralegals for credit repair services.
  • Has a user-friendly mobile app for monitoring progress.

Cons

  • Charges relatively high monthly fees.
  • Offers services that can take several months to show results.
  • Has mixed customer reviews and ratings.
  • Promises limited guarantee on outcomes.
  • Is costly if you use it for an extended period.

Lexington Law Credit Repair Review: Who Lexington Law Credit Repair Is Best For

Embrace what Lexington Law credit repair offers if you:

  • Want professional assistance with credit repair.
  • Desire legal expertise in handling credit disputes.
  • Value a reputable company with a long history in the industry.
  • Prefer a service with a dedicated mobile app for tracking progress.
  • Need comprehensive credit repair options and strategies.
  • Are looking for a company that offers free initial consultations.
  • Require a team that includes lawyers and paralegals for handling complex credit issues.

Lexington Law Credit Repair Review: Who Lexington Law Credit Repair Isn’t Right For

Think of Lexington Law credit repair alternatives if you’re someone who:

  • Needs immediate results.
  • Desires low-cost services.
  • Prefers a DIY approach to credit repair.
  • Values consistently high customer reviews.
  • Needs a guaranteed outcome.
  • Has only minor credit issues.
  • Is looking for short-term credit repair solutions.

Lexington Law Credit Repair Review: What Lexington Law Credit Repair Offers

Lexington Law is a key player when it comes to credit repairs. The company is famous for its spectacular offers that include:

  • Credit repair services: It helps you dispute and remove inaccurate or unfair negative items from your credit reports, such as late payments, collections, and charge-offs.
  • Personalized credit repair plans: You can choose from different service levels to match your needs and budget, whether you need basic repair or more intensive help.
  • Free consultations: You get an initial free consultation to discuss your credit situation and learn how they can assist you.
  • Credit monitoring: The company provides tools and services to monitor your credit score and track changes over time.
  • Credit education: You gain access to resources and advice on how to manage and improve your credit, helping you make informed financial decisions.
  • Mobile app: Lexington Law user-friendly mobile app allows you to track your progress, view your credit reports, and communicate with your credit repair team easily.
  • Legal expertise: Lexington Law employs lawyers and paralegals you can consult in handling your credit disputes.

Lexington Law Credit Repair Review: Lexington Law Credit Repair Details

Lexington Law offers credit repair services that focus on identifying and challenging inaccurate negative items on your credit reports. It follows a multi-step process. First, you get a free consultation where you review your credit reports and identify potential errors.

Lexington Law then creates a personalized plan to dispute these inaccuracies. It sends letters to credit bureaus on your behalf, following up if necessary to ensure your concerns get the right attention. Throughout the process, you have access to an online portal and mobile app to monitor progress and access educational resources to improve your credit knowledge.

 

Lexington Law charges a monthly fee of $119.95. This is the company’s only service tier, so you don’t have to choose between different packages. The package includes everything it offers, from credit report review and dispute initiation to communication with creditors and credit bureaus.

It’s important to note that Lexington Law doesn’t guarantee results, and the number of disputes it files on your behalf vary depending on your situation. It also offers additional features like identity theft protection and credit score monitoring for separate fees.

Lexington Law Credit Repair Review: Where Lexington Law Credit Repair Falls Short

Lexington Law has been around for a while and it keeps attracting new customers. It tailors its products in a way that best addresses your needs. The company keeps its head up when it comes to:

  • Experience and expertise: With over a decade in the credit repair industry, Lexington Law brings a wealth of experience and legal expertise to the table to ensure knowledgeable handling of your credit issues.
  • Legal support: Unlike many other credit repair companies, Lexington Law employs lawyers and paralegals so that you have professional legal assistance for more complex credit disputes.
  • Comprehensive credit repair: Lexington Law offers a range of credit repair plans that work for different needs and budgets.
  • User-friendly mobile app: Its app makes it easy to track your credit repair progress, view credit reports, and communicate with your support team,
  • Educational resources: Lexington Law offers a variety of educational resources to help you understand and improve your credit.
  • Free consultations: The initial free consultation gives you a chance to understand the company’s services and how it can assist you without any financial commitment such that it becomes easier to decide if it’s the right fit for you.

Lexington Law Credit Repair Review: Where Lexington Law Credit Repair Falls Short

Lexington Law isn’t all pros. Take note of the following before you commit to it:

  • Limited disputes: Lexington Law doesn’t offer unlimited disputes on your credit report. Its monthly fee covers a set number of challenges it’s going to file per credit bureau. If you have a complex situation, this drawback is something to really consider.
  • No money-back guarantee: Unlike some competitors, Lexington Law doesn’t offer a satisfaction guarantee. This means it locks you up into its service even if it’s not successful in removing negative items or improving your credit score.
  • Price compared to results: With a flat monthly fee of nearly $120, Lexington Law can be expensive, especially if you don’t see significant improvements to your credit. There’s a chance you pay for months without achieving the outcomes you anticipate.
  • Legal issues: It’s important to be aware that Lexington Law faced a hefty legal judgment in 2023 for deceptive marketing practices. While it can still operate, this raises a red flag about its past conduct.

Lexington Law Credit Repair Review: How to Qualify for Lexington Law Credit Repair

Lexington Law credit repair doesn’t have strict eligibility requirements in terms of credit score or financial background. However, there are a few key things to consider to see if its services align with your needs. You qualify if you

  • Have inaccurate negative items: Lexington Law focuses on disputing inaccuracies on your credit reports. If your credit issues stem from legitimate late payments, charge-offs, or bankruptcies, its service is not going to be the most effective solution. The company specializes in challenging errors and unfair marks.
  • Are willing to pay monthly fee: Lexington Law charges a flat monthly rate of $119.95. Be sure you’re comfortable with this ongoing cost and can potentially commit for several months, as credit repair can be a time-intensive process.

But you need to also consider the do-it-yourself vs. guided approach. Lexington Law handles the dispute process on your behalf, but you still need to actively participate. This includes reviewing your credit reports, providing them with necessary information, and staying engaged throughout the process.

If you prefer a completely hands-off approach, Lexington Law is not the best fit.

Lexington Law Credit Repair Review: How to Apply for Lexington Law Credit Repair

If you’re ready to partner with Lexington Law,

  • Visit Lexington Law’s website or download its mobile app.
  • Apply for a free consultation to discuss your credit situation and goals.
  • Review the monthly fee and complete the online enrollment form where you provide your personal information
  • Submit copies of any documentation supporting your disputes (late payment receipts, proof of identity theft, etc.).
  • Access the online portal and mobile app to monitor your credit report and progress.

Lexington Law Credit Repair Review: Alternatives to Lexington Law Credit Repair

Credit Versio

Credit Versio positions itself as a DIY credit repair software alternative to Lexington Law. It uses AI to scan your credit reports for errors and provides tools to create dispute letters yourself.

You benefit from educational resources and progress tracking that guide you through the credit repair process. Unlike Lexington Law’s monthly fee, Credit Versio itself is free. However, you need to pay for a separate credit monitoring subscription to access your credit reports and potentially for postage when sending dispute letters.

Credit Glory

Credit Glory offers credit repair services similar to Lexington Law, focusing on disputing inaccuracies on your credit reports and using tools to track progress. Its monthly subscription of $99 includes dispute services and credit monitoring, but unlike Lexington Law, Credit Glory has limitations on the number of disputes filed per month and doesn’t guarantee results with a money-back option. Consider Credit Glory if you’re comfortable with a monthly fee and want help disputing errors, but be aware of these potential drawbacks before signing up.

Sky Blue Credit

Sky Blue Credit repair takes a more targeted approach compared to Lexington Law. It only disputes errors on your credit reports.  The company analyzes your reports, identifies inaccuracies, and then drafts and sends dispute letters to credit bureaus on your behalf.  Sky Blue charges a per-dispute fee (or you can commit to a $79/month payment), so you only pay for the specific errors you want it to challenge. This can be a cost-effective option if you have a limited number of inaccuracies to address. However, unlike Lexington Law’s comprehensive service, Sky Blue doesn’t offer credit monitoring or ongoing communication about your credit health.

Lexington Law Credit Repair Review: Customer Reviews

Lexington Law has an average rating of 2.8 out of 5-star scale on TrustPilot based on 566 customer reviews. Customers leave mixed reviews but unhappy patrons warn of the potential of not getting value for your money.

Pro Tips

  • Know your credit situation: Lexington Law specializes in disputing inaccuracies. If your credit woes stem from legitimate late payments or debt, its service is not going to be effective for you. Focus on Lexington Law if you have errors on your report.
  • Consider alternatives: Explore options like Credit Repair Software (DIY approach) or Non-Profit Credit Counseling (potentially lower fees).
  • Understand the limitations: Lexington Law has a flat monthly fee with a limit on disputes. There’s no guarantee of results and you can’t get your money back if you’re not satisfied.
  • Check your credit yourself: Before signing up, obtain free credit reports directly from the bureaus. This way you can identify errors yourself and assess the workload for Lexington Law.
  • Read the fine print: Review Lexington Law’s contract carefully, understanding their dispute process, fees, and termination policy.
  • Don’t expect miracles: Credit repair can be slow. Be patient and realistic about the time it takes to see improvements.
  • Consider DIY options: If you’re comfortable navigating the dispute process yourself, Credit Repair Software can be a more affordable option.
  • Explore free resources: Many resources are available online and through libraries to help you understand credit reporting and your rights.

Recap

Lexington Law Credit Repair can help you fight inaccurate negative items on your credit report, potentially boosting your score. The credit company handles the dispute process for a flat monthly fee, but there’s no guarantee of success and you can’t get your money back if unhappy.  Before signing up, consider if your credit issues involve errors or legitimate debts, explore free resources and alternative services, and be aware of Lexington Law’s limitations on disputes and refunds. 

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