In-Depth Analysis

Lexington Law Review

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Written By
Julija A.
February 03, 2022
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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 is your credit score.

So, if you’re struggling with your finances, consider hiring a credit-fixing company like Lexington Law. Online Lexington Law reviews applaud the company’s ability to successfully remove derogatory information from your record.


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Fortunly Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Depends on the case
pros thumb up Strengths
  • Free credit consultation
  • TransUnion alerts
  • FICO score tracker
  • Personal finance tools
  • Customized services
  • 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 more than 16 years, helping thousands of clients improve their credit score 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 reports, offers free consultations, and arbitrates in resolving account issues. The service is fully tailored to your specific needs and requires no extra fees.

The company’s team of attorneys specializes in handling all kinds of disputes, including late payment penalties, collections, foreclosures, and charge-offs. The company stays up to date with all the latest legislative changes on how credit scores are calculated. For example, you can rest assured that Lexington Law professionals understand FICO 9 and how medical bills are calculated by credit bureaus.

Online Lexington Law firm reviews show that users are largely satisfied with the service. However, it’s important not to take these reviews to heart, especially since the company only has a C rating on BBB. Credit repair is a long-term process that can last several years, and online reviews aren’t always an objective reflection of that entire experience.

How does Lexington Law compare to other companies?

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Lexington Law




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Credit Saint

$99 per month


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What To Expect From Lexington Law

The company’s most basic package is Concord Standard, which covers bureau challenges 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 damages 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 credit bureaus.


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 very 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 legal 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 unpleasantries. 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 essentially protects you from being bullied by the 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 a 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.

Judgements and liens

These two items are among the most disputable elements in recent years because of the changes introduced by the three major bureaus – TransUnion, Experian, and Equifax. According to the new rules, all reports need to include a 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 cause absolute havoc to your credit score. But Lexington Law’s team of experts can create a customized recovery plan, taking your bankruptcy into consideration.

Additional Services

If you are interested in bigger packages, Lexington Law offers a number of specialized services.

Concord Premier Plan

This advanced package includes:

  • Credit score analysis: The Lexington Law firm review takes five credit factors into consideration and provides you with a detailed personalized report every month.
  • InquiryAssist: A collection of legal tools made specifically for handling credit score problems.
  • ReportWatch: In addition to offering its legal services, Lexington Law will also teach you how to deal with credit report changes as they occur.
  • TransUnion alerts: You can get daily reports by SMS or email to check your credit directly from TransUnion.

Premier Plus Plan

The most expensive plan adds the following features:

  • Cease & desist letters: The Lexington Law firm credit repair reviews on the web often praise the proactive nature of the company’s legal team. This is the plan you need if you’re dealing with abusive collection agencies.
  • FICO score tracker: The company keeps track of 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.

Price and Guarantees

The first name on the list of Lexington Law plans is Concord Standard, which costs $89.95/month and offers the most basic services. The company provides you with a free report and determines what additional steps need to be taken.

If you want to speed up the process by which Lexington Law credit repair reviews your score, you can sign up for the Quickstart My Case option. For an additional $14.99, your credit report is automatically loaded into the company’s system from

The second plan is called Concord Premier and costs $109.95/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.

The third and most expensive plan is called PremierPlus and will cost you $129.95/month. For this price, Lexington Law reviews your credit, helps you get collection agencies off your back, and keeps track of FICO score at all times.

With the identity protection service and personal finance tools, the company appears to be trying to justify its relatively high price. Although there are no guarantees with any credit repair process, Concord Premier might be the best deal on offer.

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 with the cancellation process. The complaints suggest that the refund policy is open to interpretation, which can be problematic for someone trying to reclaim their money.

Speed of Service

Most of the company’s clients stick around for about six months. The quickstart option – where you pay $14.99 to send your report directly to the company – saves you a few days. 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. You can ignore the less than impressive Lexington Law reviews on BBB and focus solely on the efficiency of the credit repair process. That said, the company still seems to have a lot of problems with billing and refunding. And while the accreditation from 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 to 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 specialize in credit repair. The company has been in business for more than 16 years and 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?


The speed at which the company can repair your credit depends on the type of credit disputing in each individual case. According to Lexington Law's website, an average customer uses their services for six months.


How much is Lexington Law per month?


The cheapest subscription plan is $89.95/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 Condor Premier, which costs $109.95/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.