Lexington Law Review for 2023


  • 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.
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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 information 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 information 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.

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Background on Lexington Law

Lexington Law was founded in 1991 by attorney John C. Heath and has been helping consumers improve their credit scores for over 30 years.

The credit repair company is based in Salt Lake City, Utah and has grown to become one of the largest credit repair firms in the United States. Lexington Law is known for its team of experienced attorneys and paralegals who work on credit repair cases.

Services Offered by Lexington Law

Lexington Law offers a variety of credit repair services to help consumers improve their credit scores. These services include credit report analysis, credit score improvement, credit bureau disputes, and debt validation.

The company also offers a credit monitoring service that alerts clients to changes to their credit standing. Lexington Law’s services are designed to help clients remove negative items from their credit reports, such as late payments, charge-offs, and collections.

Lexington Law’s Credit Repair Process

The process involves identifying and challenging inaccurate or incomplete information on a person’s credit report. The goal of credit repair is to improve a person’s credit score by removing negative items from their credit report that may be lowering their score.

Credit repair companies like Lexington Law work on behalf of their clients to dispute these negative items with the credit bureaus and try to get them removed.

Lexington Law takes a comprehensive approach to credit repair. They begin by analyzing the client’s credit history to identify any inaccurate or incomplete information.

Once negative items are identified, the company’s team of attorneys and paralegals work to dispute these items with the credit bureaus. Lexington Law will also work with the client to identify any steps they can take to improve their credit score, such as paying off debts or correcting errors on their credit report.

How Long It Takes for Clients to See Results

The length of time it takes for Lexington Law clients to see results varies depending on the individual case and the specific negative items being disputed. Some clients may see results within the first month, while others may take several months to see significant improvement in their credit scores.

Lexington Law will keep their clients informed about the status of their case and the progress being made throughout the credit repair process.

Pros and Cons of Lexington Law


  • Experienced attorneys and paralegals: Lexington Law has a team of experienced attorneys and paralegals who work on credit repair cases. This ensures that clients are getting the best possible representation when it comes to disputing negative items on their credit report.
  • Comprehensive services: Lexington Law offers a wide range of credit repair services to help clients improve their credit scores. These services include credit report analysis, credit score improvement, credit bureau disputes, and debt validation. They also offer credit monitoring service to keep their clients informed about changes in their credit report.
  • Proven track record of success: Lexington Law has a proven track record of helping clients improve their credit scores. They have been in business for over 30 years and have a large customer base that is satisfied with their services.


  • Higher cost than some competitors: Lexington Law’s services are not the cheapest in the credit repair industry, which may make it difficult for some clients to afford.
  • Limited services available to non-US residents: Lexington Law’s services are only available to residents of the United States. This means that non-US residents are not able to take advantage of the company’s credit repair services.

Lexington Law Reviews

Lexington Law has received a mix of positive and negative reviews from its customers. Some clients have reported significant improvements in their credit scores after working with the company, while others have been less satisfied with the results.

Many clients have praised the company’s team of attorneys and paralegals for their professionalism and expertise. However, some clients have complained about the cost of the company’s services, and others have reported slow progress in their credit repair cases.

Overall, the majority of customers are satisfied with Lexington Law’s services.

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Frequently asked questions about Lexington Law:

Is Lexington Law legit?

“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 process on your behalf.

Professional Advice

Once the 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 credit 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 is true for credit repair companies. 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 consumer reporting agencies to inform you before re-reporting a previously deleted listing.

Consumer credit reporting agencies also have a limited time of 5 days to re-report the item once it’s been deleted. Thereafter, 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 companies 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:

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

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

The Premier Plus Plan 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 800-341-8441 during business hours for support. If calling after hours, you can leave a message. For a free consultation, visit their website and fill out the form.

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.