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Does Lexington Law Really Work? (Read This First!)

Written by Mike Pearson
Updated August 8, 2022

In A Nutshell

Lexington Law is a law firm and credit repair company that helps people dispute items on their credit reports with the goal of boosting their scores. Like all credit repair companies, Lexington Law doesn’t do anything to repair your credit that you can’t do on your own, but it’s a reputable company that can make credit repair easier and less frustrating if you have a busy schedule or simply don’t want to take on the task of credit repair by yourself. 

Lexington Law Overview

Lexington Law is a real law firm, which sets it apart from many of its competitors. According to its website, the firm’s main focus has been credit repair since 2004. 

Like other credit repair companies, Lexington Law offers various tiers of services that help customers remove negative items from their credit reports. These items can include collection accounts, late payments, liens, charge-offs, repossessions, and bankruptcies.   

According to Lexington Law, the firm helped its customers remove 10 million negative items in 2017. In addition to credit repair, Lexington Law offers credit monitoring, a credit app, and a vast menu of credit-related resources on its website. 

When Should You Ask Lexington Law for Help?

There are a few reasons why you might want to work with Lexington Law. The company is one of the most recognizable names in the credit repair industry, with over a decade of experience helping consumers repair their credit. 

Lexington law is also staffed by real, licensed lawyers as well as paralegals and credit repair pros. Because you’ll encounter some legalese and federal statutes when you embark on your credit repair journey, it can be comforting to know you’ve got a real lawyer working on your behalf. 

Here are a few situations in which it might make sense to contact Lexington Law:

  • You want to buy a car or finance a house but your credit score is too low to qualify for a loan.
  • Past credit mistakes have hurt your credit score and you want to rebuild it as quickly as possible. 
  • You want to clean up your credit but you don’t have time to dispute negative items on your credit report. 
  • You tried repairing your credit on your own but you haven’t had much success.

Keep in mind that credit repair companies can’t do anything you can’t do on your own. However, because credit repair is their business, they have usually streamlined the process. 

By law, no credit repair company can make guarantees about its results. However, a reputable company like Lexington Law may be able to help you get items removed faster than you could on your own. 

Pros vs. Cons of Lexington Law

Lexington Law has its pros and cons. If you’re thinking about signing up, here’s a breakdown of the benefits and potential drawbacks. 


As one of the top-ranked credit repair companies in the industry, Lexington Law offers several advantages. 

  • Real law firm – Lexington Law is a real law firm staffed by lawyers, paralegals, and credit repair professionals. This sets it apart from its competitors. 
  • Reasonable pricing – Lexington Law offers several packages, with the most affordable starting at $89.95 a month. The mid-range package costs $109.95 a month and the premier package, which offers the most features, is $129.95 per month.  
  • Personalized service – When you sign up with Lexington Law, you get matched with a paralegal who is assigned to your account — and stays with you throughout the credit repair process.
  • Experience – Lexington Law has been in the credit repair business since 2004, and the firm existed several years before that. In an industry often plagued by fly-by-night credit repair scams, Lexington Law is a solid company with years of experience. 
  • Favorable customer reviews – Overall, Lexington Law gets positive reviews online. 


Despite its many positives, Lexington Law isn’t without several drawbacks. Here’s a look at some possible red flags to watch out for. 

  • Federal action pending – In 2019, the Consumer Financial Protection Bureau (CFPB), a federal agency in charge of overseeing the consumer finance industry, brought a lawsuit against Lexington Law alleging in part that Lexington engaged in deceptive business practices by participating in an affiliate network that steered referrals to Lexington’s credit repair service. The CFPB’s position is that this is unlawful behavior, as federal law prohibits credit repair companies from collecting a fee until they have done work for a consumer.  Lexington has filed a motion to dismiss the lawsuit, claiming it’s not responsible for the actions of third parties. However, the lawsuit remains unresolved, so it’s something to keep in mind before you sign up for services.
  • Average BBB rating – Lexington Law has a C rating with the Better Business Bureau (BBB), which you can find on the company’s BBB profile page. However, the BBB states that this rating is based on “BBB concerns with the industry in which this business operates.”In other words, the average rating isn’t necessarily a reflection of Lexington Law. While Lexington’s BBB profile has around 580 complaints, the company appears to respond to each one, which can be a good sign that it takes customer service seriously and does its best to address concerns.
  • Extra costs – No matter which tier of service you purchase, Lexington Law charges an extra $14.95 for a so-called “quickstart my case” service. According to Lexington, paying this extra fee means Lexington will automatically load your TransUnion report into its systems. Lexington doesn’t disclose this quickstart fee on its menu of services, and you have to give your name, email, home address, and phone number before you see it. The extra fee also goes to, which is a third-party site. It’s also unclear if declining the extra charge means your case will take longer to process.   

How Much Does It Cost to Use Lexington Law?

Lexington Law has three different plans. Depending on your budget and what kind of services you need, you can choose from the Concord Standard Plan, the Concord Premier Plan, or the Premier Plus Plan.

Concord Standard – $89.95 per month

The Concord Standard is Lexington’s most affordable plan and the plan it bills as “standard credit repair.” With this plan, Lexington will perform bureau challenges and creditor interventions.

While this plan may sound bare bones, it does the job most people are looking for when it comes to credit repair. For the majority of users, the basic plan is probably sufficient to accomplish the goal of disputing negative items and getting as many as possible removed.  

Concord Premier – $109.95 per month 

In addition to the services offered in the Concord Standard Plan, the Premier Plan comes with several credit coaching tools designed to help you more effectively manage your credit. Lexington will also send you a score analysis report each month so you can see how your credit has improved.

The Concord Premier Plan also sends you TransUnion alerts any time a negative item appears on your report. You can choose to receive alerts by email or text.  

While these tools are nice to have, they’re not necessary for disputing negative or incorrect items on your credit report.  

Premier Plus – $129.95 per month 

This is the plan Lexington refers to as “aggressive credit repair.” With this plan, you receive all the services offered in the two lower tiers plus cease and desist letter services, FICO score tracking, identity protection, and a range of personal finance tools.

As with the Concord Premier Plan, the Premier Plus Plan offers a bunch of extras that are probably nice to have but not critical for disputing negative items on your credit report. 

What Items Can Lexington Law Help Remove From Your Credit Report?

Lexington Law can dispute a wide range of items on your credit report, but it can’t make any guarantees about removing specific items or delivering certain results. In general, however, Lexington Law can try to remove any of the following:

  • Collections 
  • Late payments
  • Charge offs 
  • Lines
  • Repossessions
  • Bankruptcies 
  • Incorrect information 

Steps Lexington Law Takes to Clean Up Your Credit

Lexington Law describes its approach as a four-step process. Here’s what you can expect if you sign up for services.

1. Analyze your credit report

First, Lexington’s lawyers will obtain your credit report and review it, looking for any negative entries or inaccurate information. In this step, you’ll also get a paralegal assigned to your case who can help walk you through your report and flag any inaccurate items. 

2. Dispute negative items 

Once Lexington has identified negative items, it will send dispute letters and any other necessary correspondence to the credit bureaus or the original creditor on your behalf. In this step, Lexington is asking the credit bureau to review its records and verify that an item on your report is correct. 

If successful, you could see negative items removed from your report in this step. However, it may take a bit more work and some follow-up to get the results you’re looking for.  

3. Follow-up and escalation 

In some cases, Lexington Law may need to follow up with the credit bureaus or a creditor. Lexington may also have to escalate a dispute by sending additional correspondence. 

4. Alerts and ongoing mentoring

If you sign up for credit monitoring services, Lexington will send you alerts every time a negative item posts to your credit report. This can be useful for maintaining your credit score over time.  

Lexington Law Reviews

One of the advantages of working with Lexington Law is the volume of feedback about the firm available online. This allows you to get an idea of how the service worked for other people. 

On the positive side, many people say Lexington Law helped them improve their credit score after about six months. These reviewers note that credit pair takes time and isn’t a quick fix. 

Like every other credit repair company out there, Lexington Law receives its share of bad reviews. Credit repair can be something of a sensitive subject, so it’s good to keep that in mind when reading negative reviews.

Best Alternatives to Lexington Law

If you need credit repair, it’s best to shop around. Here are four alternatives to Lexington Law that might be a better fit for your needs. 

1. Credit Saint

Credit Saint has a 90-day money-back guarantee and gives free consultations before you sign up. It also has an A+ rating from the BBB. 

There are three levels of credit repair plans available and each plan has an initial setup fee followed by a monthly recurring fee. Monthly prices start at $79.99 and go up to 119.99.  

2. Sky Blue Credit Repair 

Sky Blue Credit Repair has been around since 1989, which is a good sign in the credit repair industry. It offers a 90-day money-back guarantee. 

Pricing is straightforward with Sky Blue, which has just one all-inclusive package. It charges a $79 flat fee to sign up and then a monthly fee of $79 while you’re enrolled in its service. 

3. The Credit People

The Credit People lets you choose between paying monthly or a flat fee for six months of services. The company has been in business since 2001. 

The monthly plan costs $19 to enroll and then $79 monthly. If you opt for the six-month plan, you’ll pay a one-time charge of $419.

4. DIY Credit Repair 

Another option is to take on the task of credit repair yourself. While it may seem a little overwhelming at first, you can dispute errors on your credit report on your own using tools and letter templates you can find online. 

Best of all, DIY credit repair is free. You can use a sample dispute letter from the Federal Trade Commission (FTC) and take advantage of the free credit repair guide available right here at Credit Takeoff.   

Lexington Law FAQs

The following are some of the most frequently asked questions and answers regarding Lexington Law. 

Is Lexington Law a Real Law Firm?

Yes, Lexington Law is a real law firm based in Utah. The firm got its start in 1991 and started focusing its practice on credit repair in 2004. 

Lexington Law offers credit repair services to individuals all over the United States. The firm’s lawyers also offer other legal services in other practice areas to individuals in select states. 

Is Lexington Law a Good Credit Repair Company?

Lexington Law is a well-established law firm and credit repair company with a solid reputation. However, credit repair is a highly personalized service and results will vary from person to person. 

Some of the qualities reviewers consistently praise after working with Lexington Law are its staff of real legal professionals and its one-on-one customer service. If you like the idea of working with an actual lawyer, Lexington Law is probably worth checking out.  

How Long Does It Take to See Results from Lexington Law?

Like other credit repair companies, Lexington Law is prohibited by law from guaranteeing results or making promises about achieving results within a certain time period. 

However, Lexington Law states on its website that most of its customers stay enrolled for an average of six months, with many seeing improvement within that time. 

Does Lexington Law Really Remove Charge Offs?

Lexington Law can’t guarantee that it can remove a charge-off. However, depending on the circumstances involved,  it may be able to get a charge off removed from an individual’s credit report.

Generally, creditors charge off debt once it has gone unpaid for 180 days. In some cases, you can get a charge-off removed by disputing it or negotiating a payment in exchange for the creditor marking the debt as paid in full. 

While Lexington Law doesn’t say how many charge-offs it has gotten removed on behalf of its customers, it includes charge-offs on its list of items it can help remove.  


Lexington Law is one of many reputable credit repair companies that can make the process of rebuilding your credit faster and easier. There are pros and cons to using its service, however, so it’s important to consider all your options before signing up.


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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.