Lexington Law Review for 2022


  • 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 $99.95/mo.
  • No Contract – Cancel at Anytime

Lexington Law Firm Review

Lexington Law Firm is one of the most popular credit repair companies and trusted leaders in the credit repair industry. The nation’s largest credit repair law firm focuses on helping consumers challenge inaccurate negative items on their credit reports.

Lexington Law’s team of lawyers and paralegals know everything there is to know about consumer laws. In addition, they know 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.

This credit repair firm has 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 ensure the items reported on their credit reports are accurate.

Creditors make reporting mistakes all the time. 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 a 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 credit bureau must remove the negative item that is causing bad credit from your credit report.

Reducing the number of negative items on your credit report will boost your credit score significantly. However, you must also keep your balances low, avoid making unnecessary credit inquiries, and manage your credit wisely to see the best results.

Lexington Law Client Success Story

A couple of years ago, I lost my job and went through a 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 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 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.

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, attempting to find a solution to my credit problems. I wanted to avoid waiting ten years before being able to get a loan. Coincidentally, a friend told me that he had worked with a credit repair company called Lexington Law. He said they did an excellent job for him.

Lexington Law Offers a Free Credit Report Consultation

I was very skeptical, but I did some research and read some Lexington Law reviews. So, I called them at (800) 220-0084 and spoke to a friendly credit professional who understood my situation. Finally, I started to believe that maybe this was real. 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 three weeks, I started receiving letters in the mail saying that the negative accounts on my credit report had been deleted! I was shocked!

Lexington Law Improved My Credit Scores

So, I rechecked my credit score to see if it made a difference and was once again shocked that all three 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 Lexington Law helped me out. It was great to have a team of professionals stepping up to the plate and going to bat for me. So now, whenever I hear a friend needs credit repair, I suggest they give Lexington Law a call for a free 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:

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 18 years. In 2020 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.

Lexington Law Firm is currently not an accredited business with the Better Business Bureau (BBB). However, most of the Lexington Law reviews online are overwhelmingly positive.

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. First, they work with you to ensure your credit strategy is the most effective. Then, Lexington Law takes the appropriate actions when engaging with the major credit bureaus and your creditors.

Here’s what the credit repair 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 credit reports from Equifax, Experian, and TransUnion. Then, they formulate a plan for your unique situation using that information. Next, Lexington Law’s team will begin the credit repair process on your behalf.

Professional Advice

Once the credit repair process begins, you’ll receive a monthly credit score analysis if you’re a Concord Premier client. Lexington Law also provides you with quality tips on fixing 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 can check on the status at any time on the firm’s website and mobile app. After that, you will start receiving responses to your disputes directly from the credit bureaus. Once you do, send that information to your case team so they can update the status of each dispute. Lexington Law 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 so you can achieve the best possible outcome.

How long does credit repair take with Lexington Law?

How fast Lexington Law works depends on your unique situation and how well each of the three credit bureaus and your creditors cooperates. Obviously, the worse your credit is, the more work it will take, which means it will take more time to repair your credit completely.

Does Lexington Law 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 Lexington Law 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 Lexington Law can help with:

  • Collections
  • Late payments
  • Charge offs
  • Bankruptcies
  • Medical bills
  • Identity theft
  • Student loans
  • Repossessions
  • Hard inquiries
  • Garnishments
  • Repossessions
  • Foreclosures
  • 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 occasions, the creditor may verify a negative item they recently deleted. However, the Fair Credit Reporting Act requires the credit bureau to inform you before re-reporting a previously deleted listing.

Credit bureaus 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. So, the FCRA makes it difficult for listings to be re-reported, 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 the pros and cons of both credit repair companies in our reviews and encourage you to check them both out and decide which one you think will work best for you.

Where is Lexington Law located?

This credit repair firm is located in North Salt Lake, Utah. However, they serve the whole country. Lexington Law credit repair is available in most states and has offices in several states; however, there is no need to visit them in person. All Lexington Law services and communications can be taken care of online and over the phone.

How much does Lexington Law cost?

As a credit repair firm, Lexington Law is governed by federal legislation called the Credit Repair Organizations Act (CROA). This law states that a credit repair organization cannot collect payments for credit repair services until after the services have been performed. Like most credit repair companies, Lexington Law charges clients a monthly fee for as long as they remain with them.

Lexington Law Firm offers three levels of service:

Concord Standard is $99.95 per month. This is for their basic credit repair services like credit bureau challenges and creditor interventions.

Concord Premier is $119.95 per month. It offers credit monitoring, assistance with credit inquiries, and other services not offered on the Concord Standard plan.

Premier Plus is $139.95 per month. It includes all the services of Concord Standard and Concord Premier service levels, plus you will also receive your FICO® Score based on TransUnion data each month. You also get real-time identity theft protection, credit monitoring, fraud alerts, and other personal finance tools to manage your finances.

Does Lexington Law offer any discounts?

Yes, Lexington Law is 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?

You can reach Lexington Law at (800) 220-0084 during business hours. If calling after hours, you can leave a message.

When can I reach customer service?

Lexington Law 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. We recommend giving Lexington Law adequate time to do their work for the best results. 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 customer service.

Compare the Best Credit Repair Companies

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