Lexington Law Credit Repair Review

About Lexington Law:

Founded by a group of lawyers in 2004, the law firm was created to address the concerns of consumers who were searching for credit repair services. Since 2004, Lexington Law Firm clients have seen over 83 million items removed from their credit reports in 2023.

Plan Details

Pricing

• $119.95 per month

Type of Contract

• Month to month

Refund/Cancellation Policy

• Cancel anytime

Online Registration

• Yes

Licenses

• Credit Repair Organization Act
• Registered with Attorney General Offices
• Bonded

Credit Repair Process:

Once a client, Lexington Law will pull your credit reports from Experian and TransUnion. They can also help you obtain the credit report from Equifax when you sign up.

Then, there is a "Case Setup" feature that lets you choose which inaccurate negative items you would like to challenge. Lexington Law representatives are available to assist you in determining this throughout the entire process. 

After completing the Case Setup, Lexington Law will send challenges to the different credit bureaus, asking them to supply verified and accurate details about the negative items in question.

Credit bureaus have 30-45 days to investigate challenges and supply you with results and an updated credit report. Upon receiving the report, clients are requested to send it to Lexington Law for evaluation and continue with the challenge process if it remains unresolved in your favor.

Lexington Law Features:

• One simple monthly fee for all services, including communication with credit bureaus, verification requests, and challenges on questionable credit items.
• Cease and Desist letters can be sent to a creditor on your behalf, asking them to communicate only by mail.
• For very late accounts, creditor intervention that requests full documentation of compliance with consumer protection statutes and credit reporting revisions
• For charged-offs and collection accounts, demands a complete accounting of the listing’s full substantiation or appropriate revision
• Immediately gathers your credit information upon completion of the engagement agreement
• Credit monitoring
• Debt handler
• Sends email alerts if there are any changes to your credit reports which could positively or negatively affect your credit score
• The firm prepared letters for each questionable inquiry you designate
• Improvement analysis
• $1,000,000 Identity theft insurance

Support Services

Lexington Law’s support representatives can be reached via toll-free phone service, email, and online chat.

Support is available 24/7 via:

• Email
• Phone
• Chat support

Lexington Law Summary:

Lexington Law Firm has represented over 10.8 million people since 2004. Along with its credit repair services, Lexington Law also offers identity theft protection to safeguard your credit profile even further. Since 2004, Lexington Law Firm clients have seen over 50 million collections removed from their credit reports.