Lexington Law Review for 2020



  • Free Credit Evaluation Including Credit Score
  • Over 28 Years of Experience
  • 50% Discount for Couples, Family, Household, & Active Military
  • Cost: $14.99 Setup - As Low as $89.95/mo.
  • No Contract – Cancel at Anytime

Lexington Law Review

Lexington Law is known as one of the best credit repair companies and trusted leaders in credit repair. It’s the nation’s largest law firm that focuses on helping consumers challenge inaccurate negative items on their credit reports.

Past clients have seen an average of 10.2 negative items removed in the first four months!

Lexington’s team of lawyers and paralegals know everything there is to know about consumer laws and how to leverage them to help you improve your credit so you can work toward a better credit score.

Lexington Law has been helping consumers escape the despair of unfairly reported credit for over a decade.

They have also helped hundreds of thousands of clients as a whole see millions of negative marks removed from their credit reports.

What can Lexington Law do for you?

Lexington Law Firm assists its clients by challenging creditors to make sure the items reported on their credit reports are accurate.

Creditors make reporting mistakes all the time – and Lexington Law reviews your credit report with you and challenges creditors to delete or correct them.

All it takes is a single stroke of a pen or click of a mouse to damage consumer’s credit history 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 provide proof that an item on your report is fair, accurate, and substantiated, the negative item that is causing bad credit must be removed from your credit report.

If you keep your balances low, avoid making inquiries on your credit, and manage your credit wisely, reducing the number of negative accounts on your report, your credit score should begin to improve.

A Client Success Story

A couple of 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.

help up mountain

I simply couldn’t pay my bills anymore. My small emergency fund was depleted after a couple of months. Eventually, I decided that bankruptcy was my best option for moving forward.

I was finally relieved of all my credit card debt, but the financial problems didn’t stop there. My credit was so horrible that I couldn’t qualify for any loans.

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. Coincidentally, a friend of mine told me that he had worked with a credit repair company called Lexington Law. He said they did a great job for him.

Free Credit Consultation

I was very skeptical, but I did some research and read some reviews. So I gave them a call at (800) 220-0084 and spoke to a credit professional 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 for credit repair services, all you can do is wait. It seemed like forever, but after about 3 weeks, I started receiving letters in the mail saying that the negative accounts on my credit report have been deleted! I was shocked!

Credit Scores Improved

So, I checked my credit score again to see if it made a difference and was once again shocked that all 3 credit scores had gone up about 20-25 points! Over the next few months, I kept receiving letters and my credit scores kept going up!

I cannot say enough about how much they helped me out. 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 in need of credit repair, I suggest they give Lexington Law a call for a free credit consultation.

Proof of charge-offs removed from my credit report:

charged off accounts removed


My credit has dramatically improved since there are no longer any negative accounts on my credit report. Here is a snapshot of my FICO® scores since I signed up:

my scores

Frequently asked questions about Lexington Law:

Does Lexington Law Credit Repair really work?

“Is Lexington Law a scam?” or “does this really work?” are some of the first questions that we always hear. We understand your skepticism. The answer is yes, Lexington Law really does work and no, they are not a scam.

Lexington Law has been helping clients for over 28 years. In 2018 alone, they had over 10 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 Firm leverages your consumer rights to dispute unverifiable, misleading, untimely, incomplete, or inaccurate items on your credit report. They work with you to make sure your credit strategy is the most effective. Then, they take the appropriate actions when engaging with the major credit bureaus and your creditors.

Here’s what the process looks like step by step when you choose to work with Lexington Law.

Access to Your Credit Reports

First, Lexington Law helps you access your reports from Equifax, Experian, and TransUnion. Using that information, they can formulate a plan for your unique situation.

Next, you’ll have both an attorney and a paralegal assigned to your case. Your legal team will begin the credit repair process on your behalf.

Professional Advice

Once the process begins, if you’re a Concord Premier client, you’ll receive a credit score analysis every month. Lexington Law also provides you with quality tips on how to fix your credit with actions you can take. If you want more personalized coaching, you’re welcome to contact a paralegal at any time over the phone, email, or even website chat.

Tracking Progress

Additionally, all Lexington clients are able to check on the status at any time on the firm’s website and mobile app. You will start receiving responses to your disputes directly from the credit bureaus. Once you do, send that information to your Lexington case team so they can update the status of each dispute. They may also escalate the dispute depending on the response from the credit bureau.

From start to finish, Lexington Law Firm is accessible to address your concerns and is on top of your case in order to achieve the best possible outcomes.

How long does it take?

How fast they work always depends on your unique situation and how well the credit bureaus and your creditors cooperate. Obviously, the worse your credit is, the more work it will take which means it will take more time to completely repair your credit.

Do they offer a guarantee?

No, there are no guarantees involved with legal or credit repair services. Just like in a court of law, an attorney could never guarantee a client a specific outcome. The same goes for credit repair services. It’s impossible to predict how your creditors will respond.

What kinds of credit problems can they help you with?

Lexington Law’s credit repair service has helped remove negative items by the millions for its clients. Here are some of the issues they can help with:

  • Collections
  • Late payments
  • Charge offs
  • Judgments
  • Bankruptcies
  • Medical bills
  • Identity theft
  • Student loans
  • Repossessions
  • Hard inquiries
  • Garnishments
  • Repossessions
  • Foreclosures
  • Tax liens
  • Settlements
  • Divorce

It’s possible to have any of these accounts 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 informs 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 listings to be re-report and that’s why it rarely happens.

Lexington Law vs. Sky Blue Credit – who’s better?

We get asked this question all the time, as these two credit repair services are the most popular. While we have Lexington Law ranked higher, it’s important to know that Sky Blue Credit and Lexington Law are both excellent companies.

We have laid out all of the pros and cons of both companies in our reviews and encourage you to check them both out and decide for yourself which one you think will work best for you.

Where are they located?

They are located in North Salt Lake, Utah. However, they serve the whole country. They are available in most states and have 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 it cost?

They offer 3 levels of service:

Concord Standard is $89.95 per month. This is for their basic credit repair services.

Concord Premier is $109.95 per month. It offers credit monitoring, assistance with credit inquiries and other services not offered on the Concord Standard plan.

PremeirPlus is $129.95 per month. It includes all of the services of Concord Standard and Concord Premier service levels, plus will also receive your FICO® Score based on TransUnion data each month. You also get real-time identity fraud alerts and other tools to manage your personal finances.

Do they offer any discounts?

Yes, they are now offering 50% off the first work fee when couples or family members sign up together. The one-time 50% 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?

They can be reached at (800) 220-0084 during business hours. If calling after hours, you can leave a message.

When can I reach customer service?

Customer service 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?

You can cancel at any time. There are no contracts or obligations. For the best results, we highly recommend giving them adequate time to do their work. Then, cancel your credit repair service when you are satisfied with your results. However, if for any reason you want to cancel before then, you can do so by calling them.

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Check out our other credit repair company reviews and choose the one that is right for you.