In-Depth Analysis

Lexington Law Review 2024

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Written By
Julija A.
June 29, 2023
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

In the eyes of lenders, you are just a number. They don’t care about your sad stories or aspirations. They don’t care that you paid off your debts just a day late or that the foreclosure on your record was just a typo. At the end of the day, all that really matters to them is your credit score. 

If your credit score is far from perfect, consider hiring one of the many reputable credit restoration companies, like Lexington Law. Online Lexington Law reviews applaud the company’s ability to successfully remove derogatory information from your record.


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$59.95 per month
10 items resolved every four months on average
pros thumb up Strengths
  • Free credit consultation
  • TransUnion alerts
  • FICO score tracker
  • Personal finance tools
  • Customized service
  • No extra fees
  • Patented technology
pros thumb up Weaknesses
  • Not BBB-accredited
  • Lack of refund transparency

Lexington Law Overview

Lexington Law has been in business for 18 years, helping thousands of clients improve their credit scores through bureau disputes and creditor interventions. The company takes pride in having removed more than 10 million derogatory items from the records of its customers. 

Lexington Law credit repair reviews your credit reports, offers free consultations, and assists in resolving account issues. The service is fully tailored to each customer at no extra charge.

The company’s team of attorneys specializes in handling all kinds of disputes, including late payment penalties, collections, foreclosures, and charge-offs. Due to the fact that the team consists of lawyers, it stays up to date with all the latest legislative changes on how credit scores are calculated. 

You can rest assured that Lexington Law professionals understand FICO 9 and how medical bills are calculated by credit bureaus. Additionally, the Lexington Law team assists its clients in claiming their rights as established by the Fair Credit Reporting Act and other applicable laws.

Online Lexington Law Firm reviews show that users are largely satisfied with the service. However, it should be noted that the company only has a D+ rating on BBB. While credit repair is a long-term process that can last several years, and online reviews aren’t always an objective reflection of that experience, we cannot forget to mention that there are currently two BBB alerts pertaining to Lexington Law’s marketplace conduct. 

In May 2019, the Consumer Financial Protection Bureau brought allegations against several defendants, including Lexington Law and its parent company, PGX Holdings, Inc. for potential violations of the Telemarketing Sales Rule. No decision has been made yet by the United States District Court for the District of Utah.

Also, in September 2021, the State of Minnesota Department of Commerce and Lexington Law signed a consent order about credit service contracts for services that the company had provided even though it wasn't registered to do so. Lexington Law was ordered to pay a $150,000 penalty and register for the provision of said services.

How Does Lexington Law Compare To Other Credit Repair Companies?

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Lexington Law

$59.95 per month



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Credit Saint

$79.99 per month


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What To Expect From Lexington Law

The company’s most cost-effective package is Concord Standard, which covers negotiations with the bureaus and creditor interventions. It’s a straightforward option for users who have a particular goal in mind. 

The first Lexington Law credit repair review of your score is free and paves the way for further action. The company can handle a number of issues, including:

Late Payments

Every late payment you make leaves a mark on your credit score. The severity of the penalty depends on how late you are. A single late payment can hurt your score anywhere between 15 and 40 points, and these points can quickly add up.

Lexington Law reviews your credit repair options and gives you customized solutions to help you avoid any further damage to your score. For example, the company’s attorneys might advise you to set up automatic payments or consider a goodwill adjustment request. 

They will mediate the arrangement or file a dispute with the three major bureaus: TransUnion, Experian, and Equifax.


If your payments are more than six months late, your creditor might choose to write off your unpaid debt through a charge-off. Needless to say, this leaves a huge dent in your credit score that’s difficult to polish. Your debt can be sold to a collection agency or settled through other channels.

Is Lexington Law good at removing these unfortunate items from your record? If anything on your record is false, the company will immediately dispute the negative entry. But no matter how good of a credit repair firm you hire, it won’t simply be able to delete the charge-off unless you pay the creditor. 


If your debt is sold to a collection agency, you should deal with it as soon as possible to avoid any inconvenience. The collectors will swamp you with calls and messages, or even contact people you know. So, what exactly does Lexington Law do in this situation?

The attorneys will inform you of your rights under the Fair Debt Collection Practices Act, which protects customers from being bullied by collection agencies. In addition, Lexington Law can dispute lost points on account of medical bill collections because those can’t be penalized by the new FICO score system.


All elements of foreclosure can affect your credit score. Regardless of whether you try to deal with this situation through a short sale, voluntary repossession, or credit refinancing, the consequences are still there. Lexington Law reviews your credit score and shows you just how many derogatory items you can get rid of and how.

It’s important to remember that even if you settle your debt, it will still appear on your credit report. If your score was higher to begin with, you will suffer a more significant drop.

Judgments and Liens

Because of changes made by the credit bureaus, judgments and liens have been among the most disputed in the past few years. According to the new rules, all credit reports need to include the name, address, Social Security number, and date of birth. 

Lexington Credit Repair reviews your score and can challenge all incomplete reports. In addition, the bureaus verify the validity of all the information provided every three months. If there is a mismatch, the judgments or liens are automatically dismissed.


It goes without saying that bankruptcies wreak absolute havoc on your credit score. But Lexington Law’s team of experts can help by creating a customized recovery plan while taking your bankruptcy into consideration.

Additional Services

If you are interested in more advanced plans, Lexington Law offers a number of specialized services.

Concord Premier

This advanced package is considered to be a moderately strong credit repair tool. Among the credit repair features are some of the identity theft perks and financial tools, more of which are available with the Premier Plus plan. The popular features are:

  • Credit score analysis: The Lexington Law Firm review takes five credit factors into consideration and provides you with a detailed, personalized report every month.
  • Inquiry assist: A collection of legal tools made specifically for handling credit score problems.
  • Report watch alerts: In addition to offering its legal services, Lexington Law will also teach you how to deal with credit report changes as they occur.

Premier Plus

Among many other perks, the most expensive plan adds lost wallet protection, junk mail reduction, and six months of creditor interventions.

  • TransUnion FICO score tracker: Lexington Law firm credit repair reviews and tracks your FICO score that’s based on TransUnion data.
  • Identity protection: Although this particular feature isn’t directly related to credit repair services, Lexington Law includes identity protection in its premium package. You get alerts about any potential fraudulent activity involving your name online.
  • Personal finance tools: Online reviews on Lexington Law rarely mention the company’s personal finance manager, which is both efficient and reliable in helping you map out your payments.

Explore Reviews of Credit Restoration Companies 

Lexington Law Price and Guarantees

The first one on the list of Lexington Law plans is Lexington Essentials, at $59.95 per month, providing the most basic services but well worth the investment.

Concord Standard, which costs $99.95 per month, comes with a free report. After Lexington Law Credit Repair reviews your case, the company will inform you what additional steps need to be taken.

The next plan is called Concord Premier and costs $119.95 per month. This is a more hands-on approach to the credit repair process, with score-tracking options and a set of legal tools. The plan is tailored to slightly more advanced users who want to learn about the service and ways to respond to potential threats. 

Although there are no guarantees with any credit repair process, Concord Premier might be the best deal on offer.

The most robust plan is called Premier Plus and will cost you $139.95 per month. For this price, Lexington Law reviews your credit, helps you get collection agencies off your back, and keeps track of your FICO score at all times. 

Due to the identity protection service and personal finance tools, numerous customers have found the relatively high price to be justified. 

You can cancel your subscription at any point if you’re not satisfied with the service. However, Lexington Law complaints on the web point to a lack of transparency in the cancellation process. These complaints suggest that the refund policy is open to interpretation, which can be problematic for someone trying to reclaim their money.

Lexington Law Speed of Service 

Lexington Law resolves an average of 10 derogatory items every four months. Most of the company’s clients stick around for about six months. Online Lexington Law credit repair reviews praise the company’s accurate assessments and useful recommendations. 

The Bottom Line

The most important thing to take away from this review is that Lexington Law actually works. We can safely say that the less-than-impressive Lexington Law reviews on BBB can be disregarded, as the efficiency of the credit repair process has been proven in numerous cases.

That said, the company still seems to be having issues with billing and refunding. And while the accreditation from the BBB isn’t essential, it’s helpful in establishing a loyal community of users.

Overall, we would recommend Lexington Law for the quality of its services, but also advise you to collect as much information as possible from the company’s representatives before signing up for any of Lexington Law’s different plans.

Lexington Law FAQ

Is Lexington Law legitimate?


Numerous Lexington Law client reviews confirm that this is a legitimate business run by a team of professionals who are renowned experts in the credit repair industry. The company has been in business for more than 18 years and has had thousands of clients.

Does Lexington Law really remove charge-offs?


The company can help you remove charge-offs from your credit report if the claim is inaccurate or unverifiable. But Lexington Law can’t simply remove traces of genuine charge-offs unless you pay the creditors. However, the company’s representatives can help you negotiate better terms and resolve the issue faster.

How long does Lexington Law take to work?


Based on reviews, the company can address an average of 10 derogatory items every four months. The speed at which the company can repair your credit depends on the type of credit dispute in each case.

How much is Lexington Law per month?


The cheapest subscription plan is $59.95 per month, along with an optional one-time fee of $14.99 to send your credit report automatically to the company. The most popular plan is Concord Premier, which costs $119.95 per month and includes a number of useful tools.

How to cancel Lexington Law?


To cancel the subscription, you need to contact customer support. According to Lexington Law reviews, you’re unlikely to get a full refund, regardless of how quickly you request one. You can always discuss the issue with the support agents and negotiate better terms for your subscription.