Lexington Law Review: Pros, Cons and Bottom Line (2019)

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This article has been reviewed and deemed factual by our content auditor with 8 years of banking experience.

Article Approved By Banking Expert

This article has been reviewed and deemed factual by our content auditor with 8 years of banking experience.

If you have a less than desirable credit score, or want to resolve inaccuracies with negative items on your credit report, read this Lexington Law review.

The nationally-recognized credit repair company has helped thousands of clients correct credit reporting problems through free credit consultation and customized services. The company has a proven method for helping you restore good credit.

Lexington Law made our 2019 list of the Best Credit Repair Companies.

If you are not sure whether the firm is right for you, read our Lexington Law review below. We cover the pros and cons of the company and why they’re actually one of the best credit repair companies in the industry.

lexington law review

Lexington Law Review: Pros

Lexington Law’s credit repair services are available in almost all the 50 U.S. states. The reason for their success is because of:

  • Free consultations
  • Fully licensed and experienced attorneys
  • Innovative approaches to repairing credit
  • Lots of discounts on their services
  • A solid reputation with their clients
  • Plenty of legal resources on their websites.

Let’s dive deeper into each of these.

Free Consultation

Lexington Law offers a free TransUnion credit report and FICO score summary with every consultation. You may not be able to access this information for free on your own. The firm reviews your information and goes over their strategy for repairing your credit with you.

Licensed and Experienced Lawyers

You will work one-on-one with a qualified lawyer or paralegal. A legal professional will provide a thorough evaluation of your situations. They will offer the best solutions for repairing your credit. Lexington Law also provides 24/7 customer support to answer your questions and address your concerns.

lexington law review

Innovative Solutions for Credit Repair

You can choose from three different service levels from Lexington Law firm including:

  1. Concord Standard Service: The firm will investigate/challenge all reports such as late payments or charge offs and engage with all creditors. The monthly fee is $89.
  2. Concord Premier Service: The firm will investigate/challenge all reports, provide score analysis, monitor your credit information, and provide ongoing TransUnion or Experian notifications. The monthly fee is $109.95.
  3. PremierPlus Service: This service combines the other two services. You also receive services such as cease and desist letters, dispute letters, a FICO score tracker, financial resources and tools, and identity theft protection. The monthly fee is $129.95.

Multiple Discounts

To save you money, Lexington Law offers multiple discounts for their services. Discounts range from military discounts to couples discounts and free introductory services. You are not likely to find discounts with other firms or credit agencies.

Impeccable Reputation

Lexington law has been in business for over a decade. It is known for its strict adherence to government regulations (i.e., Fair Credit Reporting Act). Lexington Law sets industry standards and provides an exceptional level of care for all clients. The company pursues all credit issues ethically and legally.

Vast Educational Resources

Do you have a question about your case? You can visit the Lexington Law website to find information on a wide range of issues such as

  • Your legal rights
  • Problems with your credit
  • Credit repair process
  • Issues with your credit card
  • Consumer protection
  • Identity protection
  • Creditor interventions

The firm provides this information to both clients and the general public. Regardless of your credit situations, you can find information and personal finance tools.

Lexington Law Review: Cons

With all the benefits of using Lexington Law, there is one area that needs improvement:

  • Speed of Service
  • Why the service is slow
  • Why slow service may not be a bad thing

Thousands of user reviews have revealed that this is the most frustrating aspect of working with the firm.

If you are expecting Lexington Law credit repair firm to repair your credit quickly, then you may be surprised. It can take a while to clean up your report.

Furthermore, Lexington Law is much slower at repairing credit items than most companies. Thousands of user reviews have revealed that this is the most frustrating aspect of working with the firm.

Listen on the Careful Cents Podcast: “Here’s how to boost your credit score overnight

However, there is another side to the issue. Lexington Law’s method for cleaning up your credit has worked because they do not rush the process.

While this may cause you to grow impatient, it can actually work to your favor. Credit bureaus such as TransUnion, Experian, and Equifax do not respond to a credit challenge if they feel that the challenge has no merit.

Lexington Law guarantees each challenge through extensive investigation, credit monitoring, and contact with creditors.

While this may cause you to grow impatient, it can actually work to your favor.

This method takes longer but promotes trust between the firm and the credit bureau. Lexington Law has developed a high-level reputation with all three major credit bureaus because of its time-tested process for cleaning up a credit report and bureau challenges.

The Bottom Line: Can You Trust Lexington Law?

When it comes to credit repair, Lexington Law has covered all the bases. The services they provide meet or exceed all standards in the legal industry and the credit repair industry. Their consistent results and careful attention to detail has benefitted thousands of their clients over the last 14 years.

The bottom line? A free consultation with Lexington Law is 100% worth your time.

If you need a company to repair your bad credit quickly, then Lexington Law will not work for you.

However, if you need a company that you can trust to repair your credit accurately, then you can’t go wrong with Lexington Law. You can trust their process, their customer service, and their results.

Brian Roberts

Brian Roberts

Editor at CarefulCents
Featured in The Washington Post and published in Entrepreneur, Forbes, Business Insider, Time, Inc., CNBC and others.