If your credit has been negatively impacted by inaccurate, fraudulent, unfair, or unv🅺erified negative items on your credit report Lexington Law may offer a credit repair solution for you.

This company provides a single plan option with multiple focus tr𓂃acks, each designed to help improve your credit depending on your specific needs. Features like credit challenges, identity theft i༺nsurance, and debt management come standard.

Pros Explained

• Free credit repair assessment available: Lexington Law offers a free credit repair assessment. 
• Offers multiple discounts: Military members as well as spouses of existing clients can both qualify for a 50% discount on first payment.
• Identity theft insurance available: Identity theft insurance is included with the service. Many competitors charge extra for this coverage or don’t offer it at all.

Cons Explained

• Limited monthly challenges: With Lexington Law, you’ll get a limited number of challenges per cycle. Equifax and TransUnion challenges have a combined limit and Experian challenges have their own limit. Some other credit repair companies offer an unlimited number of monthly challenges.
• No money-back guarantee: Many credit repair services offer a money-back guarantee within the first 30 or 90 days. Lexington Law does not offer this type of guarantee.

Types of Services

Lexington Law offers a single plan, which costs $139.95 per month. A variety of focus 🍬tracks are 💯available to provide targeted help for your specific situation:

• Medical bills
• Identity theft
• National emergency
• Divorce
• Student loans
• Military service

Once you’ve sign𝔉ed up, Lexington Law begins working on your credit as early as day one. While you won’t see results on day one, you’ll get the peace of mind of knowing the work has begun.

Here’s a look at the services offered followed by details about each service.

• Bureau challenges
• Creditor interventions
• Inquiry assist
• Identity theft insurance
• DebtHandler
• TransUnion FICO score

Credit Challenges

Lexington Law offers three Experian challenges per cycle. A cycle lasts 30-45 days. If it identifies incorrec🐈t or outdated information on your credit reports, it can send a challenge letter to each credit bureau to help correct the issue.

Creditor Interventions

As a Lexington Law customer, you’ll get creditor assistance or creditor intervention. With this service, t🍰he company will correspond with your creditors to request that they remove incorrect negative items on your report. Depending on the focus track you choose, Lexington Law may send goodwill removal requests, forbearance requests, cease and desist letters, and debt validati𒊎on letters, among others.

Inquiry Assist

Lexington Law’s Inquiry Assist provides you with prepared 💜letters to challenge hard inquiries that may be incorrect, outdated, or otherwise inac🍌curately impacting your credit score.

Identity Theft Insurance

Lexington Law offers identity theft insurance as an added measure of protection, which includes up to $1,000,000 worth of coverage, 24/7 monitoring, and real-time alerts. 

DebtHandler

If you’re burdened by a large amount of credit card, student loan, or medical debt, Lexington Law’s debt management service, called DebtHandler, could help💎 you develop a repayment plan that works with your budget.

Credit Alerts

When information on your credit r🍬eport changes, Lexington Law will promptly notify you of the new information. Its credit alerts could help prevent significant damage to your report or identify potential identity theft early on.

TransUnion Report Monitoring and FICO Score

Lexington Law provides alerts about changes to your TransUnion credit report, along with a FICO Credit Score based on that report. Viewing how your score has changed over time (and why) can be a helpful way to trꦕack your progress toward better credit.

Company Features

In addition to its variety of services, Lexington Law offers several features designed to help protect your credit and make the process of repairing your credꦛit less overwhelming:

• Free credit repair assessment: If you’re interested in using Lexington Law to repair your credit, the company offers a free assessment that can help you determine which focus track is the best fit for your needs.
• Mobile apps: For those interested in tracking progress via mobile, Lexington Law offers apps for Android and iOS. These apps let you view your credit score, get updates on your reports, and more.
• Discounts: Lexington Law offers a 50% discount on its first payment to veterans and current members of the military. The 50% discount is also given to spouses of current clients.

Customer Service

If you’d like to reach Lexington Law’s customer service department, you can do so from 7 a.m. to 4 p.m. MST Monday to Friday. It does not offer customer support on Saturday or Sunday. While you can’t get assistance on the weekends, you can contact customer service through multiple channels, incl༺uding email, live chat, or by submitting an email ticket.

The ability to connect with a person over live chat is a r𒉰elatively unique feature among credit repair companies; not many offer a live chat option.

Company Reputation

While Lexington Law offers comprehensive credit repair services and several options for contacting customer service, it does have quite a few complaints with the CFPB. Several customers complain about unclear and expensive fees, as well as issues getting certain items removed from their credit reports🅠. 

On Trustpilot, Lexington Law has a score of 2.2 (“Poor”) out of five stars across almost 600 reviews. Sixty-seven percent of reviewers rated it five stars. Several satisfied customers mention that Lexington Law helped improve their credit, while dissatisfied customers report that their credit score didn’t change after paying for services.

Contract Duration

Unlike some credit repair companies which may charge a cancellation fee or require that you sign up for a contract, Lexington Law has a customer-friendly cancellation policy. You won’t incur a cancellation fee if you decide it’s not the right service for you, and you can choose to cancel your plan ꩲat any time. To cancel your plan, you’ll need to contact customer support.

Cost

If you’re comparing credit repair services, be aware that Lexington Law is not the cheapest option available. Its credit repair plan costs $139.95/month.

How to Choose a Credit Repair Company

There are many considerations when comparing credit repair companies. You’ll likely want to look 𝕴at the following:

• Cost: You want a company that offers the services you need at a price you can afford. As you’re comparing options, consider the fees you’ll need to pay for credit repair assistance, like first payment and monthly fees.
• Features offered: Some consumers may prefer a service that offers built-in identity theft insurance, while others might simply be seeking assistance with challenge letters. Consider the features each company offers as you shop around. 
• Customer service: If accessible customer service is important to you, be sure to look at your options for reaching a representative before you choose a credit repair service (phone, email, live chat, etc.). 
• Discounts: Certain companies offer special discounts. For instance, with Lexington Law, certain customers can get 50% off their first payment. Research available discounts to see how much you can save.
• Cancellation policy: A flexible cancellation policy can be useful in case you decide a service isn’t right for you. Look into whether companies allow you to cancel any time, if a cancellation fee applies, and whether or not there’s a money-back guarantee. 

Alternative Choices

While Lexington Law isn’t the least expenꦏsive opꦜtion available, it does offer an array of services that could help justify its higher monthly cost. Those seeking a less expensive option and fewer services may want to consider an alternative.

Final Verdict

Lexington Law is a good choice if you’re looking for several services and features to help you improve your credit. However🌱, it does have several complaints with the CFPB, and some users report issues with fees and no improvements to their credit.

Frequently Asked Questions

How Much Will Lexington Law Rais🔥e My Credit Score?

Lexington Law doesn't guarantee it will raise your credit score by a certain amount, because everyone's financial situation is different.

How Many Months Do You Pay Lexington Law?

How long you retain Lexington Law's services is up to you. Repairing your credit report is not an overnight process, so you may need to pay for Lexington Law for several months, or until you are satisfied that your credit report is error-free. You can cancel Lexington Law at any time.

Is Lexington Law Getting Sued?

Lexington Law has faced several lawsuits over the years. The Consumer Financial Protection Bureau filed a complaint against Lexington Law in 2019, stating the company violated telemarketing laws. Lexington Law later was ordered to pay $150,000 to the state of Minnesota after a 2020 lawsuit accused it of violating state law and not being clear with c⭕onsumers about services and fees.

There have also been two class action lawsuits. Rosales vs. Lexington Law Firm was filed in Nebraska in 2017 and claimed violations of the Telephone Consumer Protection Act (TCPA) and Fair Credit Reporting Act. Pena vs. Lexington Law Firm was filed in Florida in 2018 and accused the company of violating the TCPA.

Methodology

Our team evaluated 17 credit repair companies and collected over 600 data points before selecting our top choices. We weighed 39 criteria, g🧔iving the highest weights to those that are the most significant for customers.

The top picks were selected based on:

• Costs and fees (weighted 40.5% in total)
• Services offered (34%)
• Customer experience (22.5%)
• Stability (3%)

We took into account factors like how many challenges will be sent per month, 🍃what kinds of challenge letters will be sent, cancellation and return policies, and how long companies have been in busi𒐪ness. This information was used in our company star ratings and best picks.