Lexington Law Review

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Reviewed by: Ricky Ingram
  • Utilizes digital partnerships for faster outcomes
  • The most popular credit repair app on Android and iOS
  • Founded and operated by attorneys
  • A Progrexion Holding Inc Consumer Brand
  • Highly experienced with 221M+ challenges since 2004
BBB Rating: C
Setup fee: $89-$129
Monthly fee: $90-$130
  • Offers coaching to encourage good credit behaviors
  • Leverages each angle of the law for better success
  • Known for fast and effective disputes
  • Monitors each aspect of the service through the app
  • Offers dedicated focus tracks to deal with life events such as divorce
  • Packages have become expensive
  • No service guarantee or refund policy
  • Not BBB Accredited

Most Americans are under some form of debt and some are struggling to get rid of it. In such times, the ability to repair your credit and get items off your report comes as a blessing. However, very few know how to dissect a credit report and most need the help of a credit repair company.

You will find several credit repair businesses out there, today we’ll review Lexington Law that aims to make life easier by improving your credit. In this Lexington Law review, we’ll have an in-depth look at Lexington Law firm including Lexington Law payments, plans, and credit repair services.

The firm has been operating for a long time and has carved a niche. It is one of the most reliable names. In fact, you will find a lot of positive Lexington Law reviews on the Internet. The general consensus seems to be positive, but is it really worth the money? We’ll find out in this Lexington Law credit repair review.

What is Lexington Law?

Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. It can remove judgments and help improve your credit score.

Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. The establishment is transparent about the lawyers it has on its team. John Heath is the directing attorney, a position he has held since 2004 when the firm started specializing in representing clients in the area of credit repair. In Lexington Law reviews, people also mention receiving help from the team of paralegals, who offer advice and help lawyers perform other tasks such as legal research.

They’re aware of federal and financial standards and enjoy a high success rate. According to our research, the average client gets 10.2 negative items removed from their report. This is pretty good when compared to competitors. Moreover, the firm offers some additional credit repair-related services that make it a great option for people looking to improve their credit scores.

lexington law firm

You can receive help remove the following:

While the Lexington Law firm is reliable, we must mention that it only helps remove inaccuracies.

How to get in touch with Lexington Law’s Customer Service

Lexington Law’s customer service is top-notch. Most Lexington Law testimonials agree that agents are friendly and informed.

Lexington Law hours:

Reps can be contacted via phone 12 hours a day, 5 days a week from 7 a.m. to 7 p.m. MST.

Lexington Law address:

360 North Cutler Drive

North Salt Lake, UT 84054


Other options include email and social media. Sadly, no live chat feature is available to contact Lexington Law firm customer service.

How does Lexington Law work?

Lexington Law uses a simple four-step process. It’s attorney-backed, and the firm utilizes patented technology to reduce its reliance on the mail system, which is a bit slow.

Mail-based disputes take approximately 45 days to get resolved. The Fair Credit Reporting Act allows 30 days for information furnishers to respond to bureau challenges. A further 15 days is taken up in mailing communications.

In some Lexington Law credit repair reviews, past clients have expressed seeing results in as little as 30 days. The attorney-led repair firm leverages every legal angle, and each customer receives a personalized strategy.

#1 Access and Analyze Your Credit Report

In the first step, Lexington’s lawyers will get in touch with the bureaus, obtain and review your credit report to find any inaccurate or negative information. To make things easier, you will be assigned a paralegal during this stage to answer your questions and communicate with you. This is a great feature because having a dedicated paralegal or account manager makes things easier.

#2 Identify and Dispute Incorrect Items

Once negative items have been identified and reviewed, the team will draft and send correspondence including dispute letters to your original creditor or credit bureaus on your behalf. The purpose is to inform the other party that there may be issues on your report and to review it.

The team will provide proof to the other party and the issue may get resolved at this stage. However, in some cases, a little more time and work may be needed.

#3 Escalate and Follow Up

Some cases can be complicated and require follow-up. If such is the case, Lexington Law will get in touch with a creditor or bureaus to escalate things. More correspondence may be required at this stage.

#4 Ongoing Mentoring and Alerts

You will receive regular alerts if you have chosen a package that includes monitoring services. The Lexington Law firm sends alerts via message or phone whenever there are changes in one’s credit score, positive or negative. This service can be of help in maintaining your score over time.

Pros and Cons of Lexington Law

Here are some of the main pros of using Lexington Law:

  • Lexington Law firm app is customer-friendly and very well made.
  • The organization offers a free consultation to new clients, which can be great for users who want to know more about their financial history. The free offer includes recommendations, a summary, and a credit score check.
  • Unlike most companies in this field, Lexington Law prices are very transparent with no upfront charges.
  • The firm houses qualified lawyers with experience in credit repair. This gives it an edge over competitors.
  • Thanks to their partnership with Progrexion, Lexington Law leverages patented technology to file disputes faster.
  • Personalized services are offered, which entails assigning a paralegal to every case. You will work with the same person throughout the process.
  • Most Lexington Law client reviews are highly positive and clients seem to be happy with the firm results.

Reviews for Lexington Law cannot be complete without cons. Here are some:

  • While the credit repair provider offers three plans, the cheapest plan, which starts at $89.95 per month, is still more expensive than what competitors are offering.
  • There is no money-back guarantee provided. This means you will get no refunds even if there are no wrong items on your report or if the firm fails to remove any.
  • The firm seems to have an average BBB rating of C. However, according to the organization, the rating isn’t a true reflection of its performance and is due to BBB’s bias towards the industry.
  • Credit Repair Services in Oregon and North Carolina are not available.
  • It doesn’t matter which plan you choose, you will have to pay a $14.95 quickstart fee.

Lexington Law bbb ratings

Good reviews of Lexington law

During our Lexington Law review, it stood out that most customers appreciate and acknowledge the help they received from the firm. There were many sources for independent and verified Lexington Law credit repair reviews from past customers, including the App Store, Play Store, and TrustPilot.

Lexington Law trustpilot review

In this featured Lexington Law review, the client said that he loved working with the firm. His score improved from 526 to 635.

Lexington Law google review

Another reviewer commended the firm by stating that they received the information needed to get back on track, and the reps were patient in explaining how it works. He had about three negative item deletions. Their credit repair app has so far received a 4.8 score on the Apple Store.

Lexington Law complaints

It’s a given that some customers will not be happy with the quality of services rendered. Rather than dwelling on the issues raised as they are not common to all customers, we checked how Lexington Law responded to complaints.

Lexington Law complaints

In one particular case brought forward by a client on 06/03/2021, they complained about their account being fraudulently charged. The client also complained about not receiving a refund even after emailing the firm several times.

Lexington Law responded to complaints

Their administrative assistant replied about 14 days later, on 06/14/2021. In response, the Firm stated that the client had engaged in their services on March 15, 2021. They expressed that they don’t guarantee results and they don’t offer any refund policy. The response further stated that an attorney had reviewed the complaints and would undertake further steps to resolve the issue.

There are few cases where customers receive refunds from the firm after raising a complaint on BBB.org. Responses to complaints seem to be more formal than other reviewed services that seem to take a more personal approach and may be open to issuing refunds. Still, most reviews on Lexington Law receive a response, whether they are positive or negative.

When gauging whether their services are suitable, you may go the extra mile and check Lexington credit repair reviews to see both sides of the story.

Lexington Law Plans

There are three different plans offered, ranging from regular to premium plans. The plans are created neatly, which means you will pay only for the Lexington Law services that you require.

Lexington Law Plans

Concord Standard

Concord Standard is for users interested in a basic plan. It covers only the basics and comprises a variety of services including creditor interventions and credit disputes. The credit disputes process deserves special mention as it involves identifying issues on your report. These issues are reported to the credit bureaus for review and removal.

On the other hand, interventions are different correspondence types the business sends to collection agencies and lenders on your behalf. Some examples include debt validation and goodwill letters. The former refers to letters that prove that the money you owe is invalid and the latter refers to letters sent to lenders to stop them from reporting late payments if you have a decent payment history.

Concord Premier

The mid-tier plan comes with everything from the basic plan and more. If you choose this plan, false hard inquiries on your credit report will be disputed. In addition to this, you will receive a complete credit score analysis to help you understand your financial situation.

Moreover, this plan includes monitoring services with the option to receive alerts if there are any changes in your score. This can be a great plan for users who want to be fully aware of what’s happening with their credit report without having to pay heavy charges.


The premium expensive plan includes all the services included in the previous two plans and some more. It comes with a unique service called ‘cease and desist letters,’ which can be used to stop creditors from harassing you. This can be a great option for people who do not want to receive intrusive calls or who have a lot of creditors to deal with.

With this, you will also get identity theft protection and access to some financial planning tools including a FICO score tracker.

Lexington Law Prices

Like other companies in this niche, Lexington Law charges an initial work fee. It varies depending on the selected pricing plan. For instance, PremierPlus goes for $129.95, and it has a corresponding initial setup fee of $129. Concord Premier goes for about $109.95, and Concord Standard will set customers back by $89.95. Both plans have corresponding setup fees of $109.95 and $89.95.

The Credit Repair Organizations Act prohibits firms from charging their initial review fee before rendering any services. So, it’s not billed right away. They state that they will charge it against the customer’s preferred billing method after 5 to 15 days, generally after preparing and sending the first round of disputes.

When budgeting for the first month of service, consider that you may need to pay about $258 for PremierPlus, $219 for Concord Premier, and $179.9 for Concord Standard. There’s an optional fee of $14.99 that customers can pay to have their case quick-started. The payment is made to their partner company Credit.com, and this allows them to load client credit reports from TransUnion into their system. Some professional Lexington Law reviews claim that the fee is mandatory, but this is false.

Lex Law pricing

When conducting our Lexington Law firm review, we discovered that they were offering discounts on their first month’s work fee. For instance, the initial review fee was discounted from $89.95 to $71.86 for the first month’s fee on the Concord Standard plan.

We cannot confirm that this discounted Lexington Law cost will be in effect when you sign up. It’s not also possible to ascertain if Lexington Law offers are applicable to residents of all states.

Concord Standard Concord Premier PremierPlus
Monthly fee $89.95 Not Listed $129.95

The website also doesn’t mention the Lexington Law monthly fee for the second plan. You will see it when you go on the Lexington Law sign-up page.

Lexington Law Alternatives

Here are some of the other companies that can help you remove evictions and other issues:

Lexington Law vs Sky Blue

Sky Blue is a major name and also one of the oldest providers of credit fixing services. They have the upper hand when it comes to affordability as their package only goes for $79, which is even cheaper than the Concord Standard Package.

While the fee is relatively cheaper, their package lacks FICO score tracking and daily TransUnion credit report updates. They also don’t provide the same personal finance tools available on the Lexington Law iOS and Android apps.

Lexington Law Sky Blue
Year Founded 2004 1989
Upfront Charges $89.95 to 129 $79
Guarantee No 90 days
Starts as Low As $89.95 $79
Most Expensive Plan $129.95 $79

Lexington Law vs The Credit Pros

The Credit Pros is new in the game but is known for its excellent value. Their customers work on a one-to-one basis with FICO-certified experts, while Lexington Law customers receive help from a team of legal assistants.

Both platforms are well-matched when it comes to technology as they all provide apps. They also offer ID protection and credit monitoring.

It’s worth noting that The Credit Pros has a package priced at only $69 per month. Here’s a further comparison:

Lexington Law The Credit Pros
Year Founded 2004 2009
Upfront Charges $89.95 to $129 $119 to $149
Guarantee No Up to 45 days
Starts as Low As $89.95 $69
Most Expensive Plan $129.95 $149

Lexington Law vs Credit Saint

Credit Saint came out the same year as Lexington Law skyrocketed and offers three plans. It has not been forthright with its results, although it has garnered many positive reviews. On the other hand, it’s easy to find Lexington Law results on their homepage. For instance, they have managed over 70 million removals after working on client credit reports. The firm also leverages modern technology to file client disputes faster, while Credit Saint reveals that they still rely on a mail-based dispute system with disputes cycles lasting for up to 45 days. Here’s a further comparison:

Lexington Law Credit Saint
Year Founded 2004 2004
Upfront Charges $89.95 to $129 $99 to $195
Guarantee No 90 days
Starts as Low As $89.95 $79.99
Most Expensive Plan $129.95 $119.99
BBB Rating: C
Setup fee: $89-$129
Monthly fee: $90-$130


Lexington Law does not ask for long-term contracts and most jobs require six months to complete. However, some less complex jobs can be completed in less time. The firm charges a monthly fee with the option to cancel anytime by getting in touch with the agents. According to the official site, Lexington Law removes about 24 percent of negative items from the average client’s report.

The firm has a C rating with 7 CFPB complaints and over 600 BBB complaints in the last three years. Lexington Law ratings show that it enjoys a decent score and can remove charge-offs.

Overall, Lexington Law’s reputation is good. The apps are rated 4.5 on AppStore and Google Play and the trust pilot score is also 4.5, which is pretty good. It does have a mixed BBB score but most credit repair companies in this niche do not seem to enjoy a high BBB rating.

Lexington might appear expensive on paper since its cheapest plan of $89.85 is higher than what other companies charge. However, they are still affordable than law firms that offer customers the opportunity to work with real lawyers and, in return, charge thousands of dollars for the “privilege.”

The service doesn’t offer add-ons at the moment and your only option is to choose a plan that fits your needs. One major concern, however, is the quickstart fee.

There isn’t much about this fee on the official website. You will not see a mention of the fee until you start the Lexington Law sign-up process. According to the official site, this fee is shared with third parties but the firm doesn’t mention if it helps expedite the process and there doesn’t seem to be the option to avoid it.

Yes, Lexingtonlaw.com can remove late payments, questionable collections, evictions, or judgments. The business is legitimate with a good history. If you ask us ‘is Lexington Law legit?’ we’ll say that it is. It is, in fact, good and reliable. The law firm has carved a niche by offering decent services and has handled millions of cases since its inception.

Is Lexington Law a Good Credit Repair Firm?

Lexington Law makes it to the list of best credit repair companies for a variety of reasons. It is one of the few providers to house real lawyers and paralegals who may assist with credit repair or debt consolidation. It makes it easy to keep track of any improvements to your credit after removals by the credit bureaus. They provide updated FICO scores as well as TransUnion credit reports through their user portal and apps. However, a lack of a money-back guarantee can be an issue for some users.

Is Lexington law worth it? Our review concludes that it’s a good provider and not a scam. There are plenty of customer reviews to substantiate the quality services they offer. It may be even cheaper than more personalized and smaller repair firms that may charge thousands of dollars for their intervention.

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