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Lexington Law Review

Last Updated: January 2024

  • Industry leader in repairing bad credit and raising scores
  • Range of services available to meet every budget
  • Includes free access to your TransUnion report summary
  • Able to complete the process on average in 6 months
  • Offers a free personalized credit consultation
9.6
Outstanding
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Lexington Law

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Overview

As one of the most respected credit repair organizations in the industry, Lexington Law Firm has spent years helping its clients fight inaccurate credit reports and entries. Their experience has allowed many individuals to work on getting back on the path to financial freedom and to enjoy better credit worthiness. With no hidden fees or complicated processes, Lexington Law has represented over 9.8 million people with their credit since 2004, and continues to provide top-notch service to this day. If you’re looking to join the over 450,000 active clients who trust Lexington Law Firm, then you can get started immediately with their generous credit report consultation that is 100% free.

PROSCONS
Offers Various Plans & Focus Tracks to Ensure Personalized ServiceOnly Available in Select States
Affordably Priced with Unique Tiers to Select From
Features a Network of 24+ Licensed Lawyers
Includes Access to an Educational Center Full of Resources
Provides a 100% Free Consultation

Why Choose Lexington Law Firm?

In operation since 2004, Lexington Law is a trusted leader in credit repair. Their effective process and impressive stats have made them stand out as one of the best places to turn when struggling with a questionable credit history report. From guidance to support, the licensed lawyers that Lexington Firm employs are always on hand to assist and will do everything in their power to fight for your rights and establish a credit history that is correct.

All individuals have a legal right to a fair and accurate credit report, but without the knowledge of how to obtain this many consumers find that they are left with a poor credit rating unfairly. Lexington Law will examine all entries on your report, quickly identifying questionable items that need further review and clarification. All of this is done by a trained paralegal who has ample experience working on cases similar to yours, and who can pinpoint mistakes with ease. While results cannot be guaranteed, with Lexington Law you can feel confident that all steps are being taken and your creditors are being held to the standards laid out for them by law.

Since 2004, Lexington Law Firm has sent over 93 million interventions on their clients’ behalf, with over 6 million removals on credit reports in 2021 alone . In fact, over 70% of the customers analyzed saw a score improvement to their credit profile. These trusted results highlight why Lexington Law continues to be one of the most popular credit repair services, and why so many Americans turn to them for help when they need it most.

How Does It Work?

Lexington Law utilizes a unique and effective process that works well because it is accomplished by licensed lawyers who have the expertise and understanding to get real results. Based on the fact that creditors have been known to submit entries that are unlawful, incorrect, or erroneous, Lexington Law specializes in identifying any questionable or unfair entries and then requesting proof or validation on your behalf. If creditors are unable to verify the entry legally, Lexington Law will then be able to request its removal and follow up with the major credit bureaus to ensure that removal has taken place.

While this process can be done by the consumer themselves, a solid understanding of the law is required, and it can be overwhelming, time-consuming and stressful attempting this on your own. If you don’t completely know your rights, or even how to spot a potential error, you could be left with a poor credit score that is both unfair and unjust. Lexington Law is here to make sure that doesn’t happen by applying their years of experience to your case and fighting tirelessly on your behalf until your credit report is a true reflection of your history.

Once Lexington Law has completed the process, they continue to provide you with ongoing services to help you avoid this happening again in the future. Addressing any new entries as they appear and constantly monitoring your accounts, Lexington Law will always be by your side so that you can take advantage of your newfound financial freedom and benefit from a higher, more positive credit score.

Focus Tracks

Not all credit histories are the same, and just like the individual they are attached to, there can be unique circumstances that affect the overall report. Lexington Law completely understands the multitude of factors that go into your financial history, and this is why they have created Focus Tracks to ensure you are getting the proper services tailored to your needs.

Focus Tracks are specialized intervention strategies that aim to tackle complex life issues that have impacted your credit score. Whether that’s a divorce, identity theft, or ongoing military obligations, Lexington Law offers their expertise so you can better understand your situation and find a solution to your problems. Not only will it assist with tackling your current case, these Focus Tracks can also provide you with tailored educational resources so you can understand and enforce new boundaries and regain your financial independence.

Currently, Lexington Law offers Focus Tracks related to:

●  Medical Bills

●  Identity Theft

●  National Emergencies

●  Divorce

●  Student Loans

●  Military Service

If you’re interested in exploring any of these Focus Tracks, or simply want to see if Lexington Law is right for you, they do offer a 100% free credit report consultation for you to take advantage of. There is no obligation or commitment required, and you can simply speak with an advisor today who can help you see if Lexington Law is a good fit for your situation. Since 2010, Lexington Law Firm has provided over 18 million free credit report consultations and has represented over 9.8 million people with their credit since 2004.

Credit Help Education

Credit repair is more than just fixing some errors on your report; it’s also the process of educating you so that you can maintain your financial freedom going forward. Some credit repair companies tend to overlook the importance of education, but Lexington Law Firm has poured countless hours into creating educational resources for you to take advantage of.

From fixing your credit to understanding the credit industry, Lexington Law has numerous free resources available on their website that can teach you everything you need to know going forward. Articles are available that discuss what causes bad credit, how to identify bad credit, and even how to build your credit on your own. You don’t need to be enrolled in a plan with Lexington Law to access all of these articles, and anyone is welcome to explore these resources and educate themselves.

By truly understanding the world of credit, you can prevent mistakes from occurring in the future and set yourself up for genuine success. Without knowledge, it’s easy to fall into common traps or mistakes which lead to a lower credit score, so these generous resources from Lexington Law are truly beneficial and can have long-lasting effects on your overall report. Some popular topics available are:

●  How to fix your credit

●  What is a bad credit score?

●  How to improve credit

●  How to check your credit report for free

●  How to manage credit cards

●  What are credit bureaus?

●  What is revolving debt?

●  How to build business credit

●  And more…

Lexington Law Plans & Prices

Not all clients require the same level of service, and what you need will depend on your financial situation and how complex your credit history is. To ensure everyone has access to the correct type of service, Lexington Law has tiered plans that allow you to pick the right option for your needs and your budget.

Concord StandardConcord PremierPremier Plus
Level of ServiceFairModerateIntensive
Bureau Challenges/DisputesIncludedIncludedIncluded
Creditor Interventions & Inquiry AssistIncludedIncludedIncluded
ID Theft Insurance & DebtHandlerIncludedIncludedIncluded
Report Watch Alertsn/aIncludedIncluded
TransUnion FICO Scoren/an/aIncluded
Lost Wallet Protection & Junk Mail Reducern/an/aIncluded

Bottom Line

If you’re struggling with poor credit and aren’t sure where to start, Lexington Law may be able to assist. This highly rated and effective credit repair service is known for providing clients with effective results they can depend on. While no results are guaranteed, and each case is unique, Lexington Law will handle your situation personally and will apply the right method that meets your needs. With thousands of satisfied clients, and numerous positive reviews, Lexington Law is a trusted resource that is here to help.

To learn more about Lexington Law, or to get started today, you can visit their website. There you will be able to explore all of the free resources they offer and take advantage of a free credit report consultation. Requiring no commitment and with no hidden fees, Lexington Law will look over your situation and see if their services are right for you.

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