Lexington Law

Lexington Law Reviews

Lexington Law Reviews
4.0(2,262)

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About Lexington Law

Helps ensure clients have a fair, accurate and verifiable credit report. Seeks updates for inaccurate, unsubstantiated, unfair or questionable negative information. Monthly fee is $99.95. Cancel services anytime. Not available in Oregon.

Pros & Cons

Pros
  • Free online credit assessment
  • Straightforward service plan
  • Online chat available
Cons
  • Pricier than some competitors

Featured Reviews

Verified
Longmont, CO

After going through a bankruptcy, loss of employment and health problems. I thought my credit was shot beyond repair. But I took a chance on an internet search and ran into these ...

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Verified
Brooklyn, NY

Lexington Law is amazing. I was using a more private company and initially, I felt it was gonna be a rough time to get started with Lexington Law, but it wasn't. It was really eas...

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What is Lexington Law?

Lexington Law is a credit repair firm that helps amend inaccurate or questionable items affecting your credit score. Credit repair agents analyze your credit reports and financial information. Lexington Law has removed more than 4 million negative items from their clients’ credit reports in 2022, according to the company.

How does Lexington Law work?

New clients can set up an initial consultation with Lexington Law by visiting its website. During the consultation, you get copies of your credit reports and a summary of your credit analysis.

The firm then proceeds to challenge credit report items like duplicate accounts, incorrect inquiries and fraudulent accounts. Sometimes items require more than a challenge letter to be removed — in these cases, Lexington handles additional correspondences with creditors. The firm also offers financial mentoring to help clients maintain their improved credit scores.

How much does Lexington Law cost?

Lexington Law offers one plan that costs $99.95 per month and provides bureau challenges and creditor interventions.

Lexington Law FAQ

How much does Lexington Law charge?

Lexington Law is free for up to 15 days with a monthly charge of $99.95 afterward.

How long does Lexington Law take?

In 2022, according to Lexington Law, the firm averages about 6 items removed per client in four months. The length of your credit repair process varies based on your specific situation.

Can Lexington Law remove charge-offs?

No, Lexington Law can not remove incorrect charge-offs.

Can Lexington Law remove unpaid collections?

No, Lexington Law can not help you remove questionable charges or unpaid collections.

Is Lexington Law legit?

Yes, Lexington Law is legitimate. The firm has a long track record of success. Lexington employs real lawyers, and the staff stays up to date on the often-changing laws around credit reporting and disputes. If you need credit repair services, it’s worth scheduling a free online credit assessment with Lexington Law.

Lexington Law Reviews

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2 featured reviews
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Page 1 Reviews 0 - 5
Verified purchase
Customer ServiceSales & MarketingPriceOnline & AppStaff

Reviewed March 20, 2024

The application process with Lexington Law was easy. The experience was all right, but it was slow. And any time I had talked to somebody, they kept trying to sell me more. I did not like that. That was another reason why we got rid of them. They wanted me to keep sticking around and keep buying more services. It got annoying. Customer support was also annoying. I had to go through a text message process first. Calling was impossible. I'd rather talk to a human than a text message. There were a couple of times I couldn't afford to pay them because they were expensive. They would offer a fee just to stop it. Then I would have to pay a monthly fee, and then I could start it back up whenever, if I wanted, unless I wanted to completely get rid of them. I did completely get rid of them.

Other than that, once I did get to talk to a human, they were very friendly. The program is very easy, and they did exactly what they said that they were gonna do. I just had to be patient. As far as the outcome, my credit score is up about 120 points. That took about two and a half years, but they really helped out. I went through a divorce and these credit bureaus were attacking me for my ex-husband's things and he was dead. These things were still hitting my credit after seven and a half years, so they took care of that and it was wonderful.

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Response from Lexington Law

We are sorry to see you did not get the results you were hoping for. We have found that each client has a different credit situation which means times frames and results can vary. Thank you for sharing your experience.

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    Customer ServiceStaff

    Reviewed March 19, 2024

    I stopped the service with Lexington Law about three months ago. From the beginning, my fee was way too high and I didn't need all the services that they got me in for. But after a while, I called and then they lowered the fee to where I was still getting everything and didn't have to pay twice as much. When I talked to the representatives from Lexington Law, most of them were very ignorant of the basics of credit. So, it was like 1 out of 10 knew something about the credit bureaus. It was really frustrating. What I got from them was I got to see my credit score for all that money I was spending. They claimed they were writing letters to the credit bureau, but nothing ever helped. So, I finally had to disengage from them.

    When I was with them for the first 30 days, I saw my credit report coming from Equifax, and they totally taken off everything. But when I would ask Lexington Law, they said, “Oh, we don't know why it happened.” So, I assumed that it was some previous letters from another company that I used right before them. But my reports in TransUnion and Experian stayed the same. Lexington Law could help depending on what's wrong with your credit report. They just couldn't help mine because it had some bankruptcies. They don't specialize in that. But if they knew they couldn't remove or help a bankruptcy, then they should let you know upfront.

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    Response from Lexington Law

    Thank you for your feedback. There are lots of variables that impact your credit score besides removing negative items from your credit report. Client satisfaction is something we pride ourselves on, and we are always trying to improve. We are sorry to see you've had a less than great experience with Lexington Law!

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    Customer ServiceStaff

    Reviewed Feb. 18, 2024

    Lexington Law was pretty helpful. Things went along good, then everything got to stagnant there for a while because anything that I had that I had paid for and should be closed was still showing as pending and I was having trouble getting a few things done. I told them that I spent all this money and my credit score was not coming up any. They said they'd look into that and next thing I know, they dug in a little deeper than what they were doing and things started coming around. There was also one hang up when they got busy and asked me to get some documents. But I told them that that was what I was paying them to do. Other than that, everything ran smoothly.

    I kept paying every month and they kept doing this, then they’d send me the notifications and I'd read them. Working with them took care of a lot of things that I didn't know how to do or have the time to spend to try to find out what to do. Because if you don't know something, you got to ask somebody or you got to fix that for yourself. And I didn't really have time for either one. In 2023, I bought a truck and I finally was able to get a loan. I paid on that a little bit and got it right for the first year. That was when I thought that I've got this and I didn't need their service anymore. Since then, I've bought a piece of land, I made me a purchase to build me a shop house, got a credit card and a bunch of other stuff. So I'm doing very well.

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    Response from Lexington Law

    We can’t thank you enough for the kind words. Your review means a lot to us and lets us know we’re on the right track. We appreciate you taking the time to leave a recommendation.

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    Customer ServiceStaff

    Reviewed Feb. 5, 2024

    Lexington Law is amazing. I was using a more private company and initially, I felt it was gonna be a rough time to get started with Lexington Law, but it wasn't. It was really easy and they helped me out a lot. They did everything to get my credit back on track, but I had an issue towards the end of my time with them. By the time I got to August, I didn't need their service to do anything anymore, because they didn't have any more removals. I said, "Okay, cool. Can you guys change my fee just in case anything does come up?" They said, "Yeah, we're gonna change your fee instead of you having to pay 109.95 for our monthly window, you only have to pay 24.95", which I did.

    In May, my credit score was where I wanted it to be, and they changed the fee going back to May, so from May to August, they were only charging the $25. However, it went back to $109 in August. Something happened where my contract changed again, and they couldn't even explain it to me. They thought they needed to bill me 109.95, so suddenly, I was getting charged $109 every month as opposed to $25. I didn't notice that they changed my contract fee, but it was easy for me to call them. Still, it was a little alarming that that happened, and I kept on having to call. I said, "Guys, no one called me. No one let me know that you guys are doing this. So here we are. Can you please make these changes?" They ended up having to modify and they sent me a check in the mail.

    Their customer service was decent. When I was trying to get the money back, I would talk to one person, then that person wouldn't put a note in. When the next person would get on, they'd say, "What, this happened to you? Okay, we'll put a note in." I started calling them in August and I finally got my money back in December. Because they knew they made an error, they didn't fight me, but it took five months to get my money back.

    One of the things with Lexington Law is, I wish that there was more of a personalized involvement with them, but for the most part, they were good. They did what their service purports they do, which is minimizing a person's credit. People just have to stay on top of them about their fees and rates. Other than that, I have no complaints. I was thankful for what they did to help my credit grow and get better.

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    Response from Lexington Law

    It was a pleasure working with you. We appreciate you taking the time to share your feedback and being so open with us. We are so happy to hear this—thank you for choosing us to be a part of your credit repair journey.

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    Customer ServiceStaff

    Reviewed Jan. 28, 2024

    Some time ago, because my credit has been stable for some time, I called Lexington Law about them continuously sending Ocwen, my mortgage company at the time, a rebuttal. When I first came to Lexington, I had breast cancer. I had filed a bankruptcy which I was late one mortgage payment. So, they kept going back at the mortgage company. It got to the point that the mortgage company sent me a stack of my payment. And out of all of them, that was the only one that I missed. It got on my nerves so I asked Lexington to stop sending them any inquiries about that. That was something that happened in 2012.

    A couple of years ago, when I called to discontinue the service, a representative told me to keep it at the $25 because if I didn't, it would open up a can of worms to my credit, and I would have a virus. Of course, I didn't want that. And this time, I happened to read about Lexington Law firm had been sued. So, I called to take the inquiry about the mortgage company off, we got to talking, and the representative said, “You've been at a good standing,” as far as my credit. I said, “I wanted to take you all off, but a representative told me that it will open up a can of worms.” She said, “No, it won't.” I said, “I wanted to discontinue.” They had an attorney call me, and I told him that I wanted to discontinue services because I was satisfied. That was the only problem that I had. Why would a representative tell me that? That's not right. Other than that, I was satisfied with the service that I got.

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    Response from Lexington Law

    We apologize for any inconvenience and thank you for the feedback provided. The situation you’re describing is not how we operate.

    If you would like to discuss your account further, please DM your contact information. Otherwise, we wish you the best in your endeavor.

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    Customer ServiceStaff

    Reviewed April 5, 2024

    The application process was very simple, and every time I called or had questions, the reps answered them. They did an excellent job. Everything was good, but I didn't need it anymore, so I had to stop.

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    Response from Lexington Law

    We can’t thank you enough for the kind words. Your review means a lot to us and lets us know we’re on the right track. We appreciate you taking the time to leave a recommendation.

    Customer Service

    Reviewed March 26, 2024

    I am FAR FROM getting the results I was hoping for. The Customer Service is lackluster, at best. The creditors STILL CALL and bother you. If this is truly a Legal Firm, they would advise creditors that harassment by phone call or email, is prohibited while your case is being handled, legally. That obviously never took place. My credit report is just inching along when they claim to get dramatic results within 30 days. It's been 120 days...They take their $$...but, no measurable results. Try another way to repair your credit...This isn't the best..!!

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    Response from Lexington Law

    We are sorry to hear about your experience with Lexington Law Firm. We have found that each client has a different credit situation which means that time frames and results will vary, which can be frustrating. We follow all laws regulating the credit repair industry and work hard for our clients. Client satisfaction is something we pride ourselves on, and we are always trying to improve.

    Customer ServiceStaff

    Reviewed March 22, 2024

    In years past, I sought to better my credit score while serving actively in the armed forces. During my time with Lexington back then, I had a wonderful experience which not only boosted my confidence, but my credit score as well. The one on one phone conversations I had made me feel in control of an otherwise aimless situation. Over time, and several hundreds of dollars later, I had cultivated a credit score I was proud to show off thanks to Lexington Law firm. Having had such a great experience, I've come back for additional help at this point in my life. However, my situation which once required Lexington's intervention has changed, and so I found myself without need of their help. However, just because my situation has changed, does not mean I withhold my 5 star review from them. I would actually give them 10 stars if I could, because they are well worth my time and energy. I rate Lexington Law firm this day with 5 stars, and I give my full recommendation to anyone seeking to better their credit score.

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    Response from Lexington Law

    We can’t thank you enough for the kind words. Your review means a lot to us and lets us know we’re on the right track. We appreciate you taking the time to leave a recommendation.

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    Reviewed March 21, 2024

    I was hoping to repair my credit, and the application process didn't take very long. Lexington Law has been good too. I've been on the program for a couple of years, and I have seen some results. I’ve had a lot of things removed but haven't been able to get everything removed.

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    Response from Lexington Law

    Thank you so much for sharing your experience with us. We appreciate your recommendation and loyalty.

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    Price

    Reviewed March 20, 2024

    Lexington Law is a waste of money. I used them for nine months, but I don't use them anymore. The quality of the service sucks, and the cost was too much. For the most part, they said they were gonna help fix my credit, and they'd always say it takes time.

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    Response from Lexington Law

    Thank you for sharing your frustrations with us. We follow all laws regulating the credit repair industry and work hard for our clients.We are sorry to see you did not get the results you were hoping for. We have found that each client has a different credit situation which means times frames and results can vary. We understand this can be frustrating and would be happy to review your case and our services with you.

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    Lexington Law Company Information

    Social media:
    Company Name:
    Lexington Law
    Year Founded:
    2004
    Address:
    P.O. Box 510290
    City:
    Salt Lake City
    State/Province:
    UT
    Postal Code:
    84151
    Country:
    United States
    Website:
    www.lexingtonlaw.com