(Our #1 Recommendation)
- Cost: $99.95 Setup – As Low as $79.95/mo.
- $50 Discount for Couples, Family Members, & Active Military
- Over 25 Years of Experience
- A- BBB Rating
- Free Credit Report Summary
- Free Credit Score
- No Contract – Cancel Anytime
Who is Lexington Law Firm?
Lexington Law is the nation’s largest law firm that specializes in helping consumers repair their bad credit. They know the laws which govern credit reporting and they use that knowledge to help consumers improve their credit scores as much as possible.
Lexington’s team of lawyers, paralegals, and financial experts know everything there is to know about how to help you improve your credit score, so that you don’t have to be bound by bad credit. They have been helping consumers escape the woes of bad credit for 25 years and they have helped remove millions of negative items from people’s credit reports. Since 1991, Lexington Law has provided expert credit repair services and experienced support to hundreds of thousands of people.
What can they do for you?
Lexington Law assists their clients by pursuing creditors to make sure the items reported on their credit reports are accurate. Companies that grant credit to consumers make mistakes all the time – and Lexington seeks out those mistakes and demands they are removed from their client’s credit report. Lexington is relentless in this endeavor as they comb through their client’s credit reports. All it takes is a single stroke of a pen or click of a mouse for credit companies to damage consumer’s credit scores for up to seven years. A good advocate law firm places the burden of proof back where it belongs – on the creditors and credit bureaus. It’s simple – if a creditor cannot prove you owe them money, the negative item must be removed from your credit report. Generally, the more negative items removed from your credit report, the more your credit score will improve.
They helped me out BIG TIME
A couple years ago, I lost my job and was going through a really rough time. Everything in my life just came crumbling down on me at once. It was a very stressful time. I was desperate and broke. I simply couldn’t pay my bills anymore. It was very embarrassing for me. My tiny emergency funds was depleted after a couple months. Eventually, I decided that bankruptcy was my best option for moving forward.
I was finally relieved of all my debt, but the financial problems didn’t stop there. My credit was so horrible that I couldn’t qualify for any type of loan. Again, very embarrassing for me. One day I just decided I wasn’t going to live like that anymore. I eventually got a new job, changed my spending habits, and promised myself I would no longer live paycheck to paycheck. I had saved up a much bigger emergency fund in case anything like that ever happened again.
I spent hours and hours, night after night trying to find a solution to my credit problems. I didn’t want to wait 10 years before being able to get a loan. I knew there had to be a way around it. I eventually turned to a friend of mine who told me about Lexington Law. I was very skeptical, but I did some research and read some reviews. I also trust my friend’s recommendation, so I give them a call at 800-220-0084 and spoke to a credit expert who was very friendly and understanding of my situation. I started to believe that maybe this was real and I didn’t have much to lose, so I signed up.
After signing up, all you can really do is wait. It seemed like forever, but after about 3 weeks, I started receiving letters in the mail from the credit bureaus saying that the negative items on my account have been deleted! I was shocked! So, I checked my credit score again to see if it made a difference and was once again shocked that all 3 scores had gone up about 20-25 points! Over the next few months, I kept receiving letters and my credit scores kept going up. Talk about the best feeling in the world!
I cannot say enough about how much they helped me out. I would never have been able to get out of my financial situation without their help. I wouldn’t have known where to start. It was great to have a team of professionals stepping up to the plate and going to bat for me. Now, whenever I hear a friend is trying to improve their credit score, I suggest they give Lexington Law a call.
Lexington Law Firm removed charge-offs from my credit report:
MY ONLY REGRET IS NOT SIGNING UP SOONER!
Lexington Law Firm client testimonials:
“After receiving my last credit report, I noticed that my credit problems are solved and you were able to reestablish my credit. You do not know how thankful I am. Thanks a lot!”
— F.M., Lexington client
“I just wanted to thank you and tell you that your system is going to be able to put me in a home almost two years earlier than I originally expected to. My credit score has jumped over 60 points in the last 6 months to a very respectable level and now when I apply for a mortgage…I will be able to name my price. So file this e-mail in the happy customer section and I will refer anyone with less than perfect credit to your services it has made a world of difference for me!!! Thanks again!!!”
— C.R., Lexington client
You can read hundreds of client testimonials and even watch some very inspirational client video testimonials here.
Frequently asked questions about Lexington Law:
Does Lexington Law work?
“Is Lexington Law a scam?” or “does Lexington Law really work?” are some of the first questions that we always hear. We understand your skepticism. The answer is yes, they really do work and no, they are not a scam. For over 25 years they have helped hundreds of thousands of clients. In 2014 alone, they had over 7 million items removed for clients. While some clients will have better results than others, their track record speaks for itself.
How does Lexington Law repair your credit?
Lexington Law leverages your consumer rights to dispute negative items with the credit bureaus. They work with you to make sure your strategy is the most effective and then take the appropriate actions when engaging with the credit bureaus and your creditors.
How long does Lexington Law take to repair my credit?
How fast they work always depends on your unique situation and how well the credit bureaus and your creditors cooperate. Obviously, if you have more negative items on your credit report, it will take more work and more time to completely repair your credit.
Does Lexington Law offer a guarantee?
No, there are no guarantees involved with legal services. Just like in a court of law, an attorney could never guarantee a client that the judge or jury a specific outcome. The same goes for dealing with the credit bureaus and your creditors. It’s impossible to predict how they will respond.
Can Lexington Law remove (a bankruptcy, student loans, late payments, repossessions, hard inquiries, paid collections, judgments, charge offs, etc.)?
The answer is the same for every item on your credit report. Yes, any of the above mentioned items can be removed from your credit report. That doesn’t mean they will be, as again, there are no promises or guarantees, but they absolutely can be.
Can deleted items reappear on my credit report?
Yes, on rare occasion a negative item that was recently deleted may be verified by the creditor. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing. They also have a limited time of 5 days to re-report the item once it’s been deleted, after that it is a violation of the FCRA. The FCRA makes it difficult for credit bureaus to re-report listings and that’s why it rarely happens.
Lexington Law vs. Sky Blue Credit Repair – who’s better?
We get asked this question all the time, as these two companies are the most popular. While we have Lexington Law ranked #1 and Sky Blue Credit Repair ranked #3, it’s important to know that both companies are excellent. We have laid out all of the pros and cons for both companies and encourage you to check them both out and decide for yourself which one you think will work best for you.
Where is Lexington Law located?
Lexington Law is located in North Salt Lake, Utah, however they service the whole country and are available in most states and offices in several states, however there is no need to visit them in person. All services and communications can be taken care of online and over the phone.
How much does Lexington Law cost?
They offer 2 levels of service: Concord Standard and Concord Premier.
Concord Standard is $99.95 to be paid from day 5-15, and then $79.95 month thereafter.
Concord Premier is $99.95 to be paid from day 5-15, and then $99.95 month thereafter. Concord Premier offers credit monitoring, assistance with credit inquiries and other services not offered on the Concord Standard plan.
Does Lexington Law offer a discount for family members, couples, and active military?
Yes, Lexington Law is now offering $50 off the initial set-up fee when you and your spouse or family members sign up together. The one-time $50.00 discount will be automatically applied to both you and your spouse’s first payment. Active military members also qualify for a one-time $50 discount off the initial fee.
What is Lexington Law’s phone number?
Lexington Law can be reached at 800-220-0084 during business hours. If calling after hours, you can leave a message.
What are Lexington Law’s call hours?
Lexington Law’s business hours are as follows:
Mon-Fri: 6:00 am to 10:00 pm MST
Sat: 7:00 am to 9:00 pm MST
Sun: 7:00 am to 8:00 pm MST
How do I cancel with Lexington Law?
You can cancel at anytime. There are no contracts or obligations. For the best results, we highly recommend giving them adequate time to do their work and then cancel when you are satisfied with your results, however, if for any reason you want to cancel, you can do so by calling them.