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Go Clean Credit vs Lexington Law

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Pros
  • Customizable plan
  • Money-back guarantee
Pros
  • Free consultation
  • Financial tools
  • Offers a mobile app
  • Other legal services
Cons
  • Lack of transparency
  • Not nationwide
Cons
  • D- rating by the BBB
  • Could be pricey
Summary

Go Clean Credit, founded in 2003 and headquartered in Tempe, AZ, is a prominent player in the credit repair industry, dedicated to assisting individuals in improving their credit scores. The company addresses various credit issues, including bankruptcies, late payments, and identity theft, making it a versatile choice for those seeking financial recovery. One of the unique features of Go Clean Credit is their Do It Yourself (DIY) Free Credit Repair App, which enables users to take control of their credit repair journey with a structured, step-by-step process. Additionally, they offer full-service options that include personalized plans and no-cost attorney support for qualifying clients. This combination of services caters to diverse client needs, from self-help to comprehensive management. With a strong emphasis on customer education, Go Clean Credit provides extensive resources and a credit education blog, enhancing clients' understanding of the credit repair process. The company's commitment to transparency and results has garnered positive feedback, highlighting significant credit score improvements for many clients. Go Clean Credit's industry credentials and experience position it as a reliable partner for anyone looking to restore their financial standing.

Summary

Lexington Law, a law firm known for their credit repair services, operates under the trade name C. Heath Attorney at Law. The company was founded in 2004 and is headquartered in Salt Lake City, Utah. Lexington Law offers various credit repair services, including disputing inaccuracies on credit reports, negotiating with creditors, and providing credit education and monitoring tools. Their services are categorized into four tiers: Lexington Essentials, Standard, Concord, and Premier, each offering different features and pricing. One of the primary features of Lexington Law's credit repair service is disputing inaccuracies on credit reports. Additional services like credit monitoring and identity theft insurance are available at different price points.  Lexington Law has faced multiple lawsuits, including allegations of deceptive marketing practices and violations of telemarketing regulations. These legal issues led to the company's parent company, PGX Holdings Inc., filing for Chapter 11 bankruptcy in June 2023 and laying off a significant portion of their workforce. Despite these challenges, the company continues to offer credit repair services, focusing on personalized strategies for improving credit scores. Customer feedback is mixed, with some praising the company's customer service and effectiveness in improving credit scores, while others have reported poor service and lack of results. The company's legal troubles and high fees raise concerns about their credibility, making it essential for potential clients to carefully evaluate the pricing structure and additional fees before enrolling.

Quick Stats
  • BBB Rating : A+
  • Cancelation Policy : Available
  • Trustpilot Score : N/R
  • Initial Fees : Undisclosed
  • Money-Back Guarantee : Available
  • Monthly Fee : Starts at $99 a month
  • Customer Experience : "True"
  • Unlimited Disputes : "True"
Quick Stats
  • BBB Rating : D-
  • Cancelation Policy : You can cancel anytime
  • Trustpilot Score : Phone, email, mobile app, help guides, live chat
  • Initial Fees : Starting from $89 per month
  • Money-Back Guarantee : Not available
  • Monthly Fee : Starting from $89 per month
Selling Points
  • Free consultation services
  • Do it yourself (DIY) free credit repair app
Selling Points
  • Free consultation
  • Financial tools
  • Offers a mobile app
Services & Perks
  • Undisclosed
    Cease & Desist Letters
  • Undisclosed
    Compliance with Regulations (FCRA, FDCPA, etc.)
  • Undisclosed
    Credit Building Assistance
  • Undisclosed
    Credit Report Analysis from Credit Bureaus
  • Credit Score Monitoring
  • Undisclosed
    Creditor & Debt Collector Communication
  • Undisclosed
    Debt Validation
  • Dispute Letters
  • Undisclosed
    FICO-Certified Professionals
  • Undisclosed
    Financial Education Resources/Tools
  • Free Consultation
  • Undisclosed
    Goodwill Letters
  • Undisclosed
    Identity Theft Protection
Services & Perks
  • Undisclosed
    Cease & Desist Letters
  • Undisclosed
    Compliance with Regulations (FCRA, FDCPA, etc.)
  • Undisclosed
    Credit Building Assistance
  • Undisclosed
    Credit Report Analysis from Credit Bureaus
  • Undisclosed
    Credit Score Monitoring
  • Undisclosed
    Creditor & Debt Collector Communication
  • Undisclosed
    Debt Validation
  • Undisclosed
    Dispute Letters
  • Undisclosed
    FICO-Certified Professionals
  • Undisclosed
    Financial Education Resources/Tools
  • Undisclosed
    Free Consultation
  • Undisclosed
    Goodwill Letters
  • Undisclosed
    Identity Theft Protection
Customer Support
  • Email
  • FAQs
  • Help Guides
  • Undisclosed
    Live Chat
  • Mobile Application
  • Phone
  • Ticket
Customer Support
  • Email
  • FAQs
  • Help Guides
  • Live Chat
  • Mobile Application
  • Phone
  • Undisclosed
    Ticket
Payment Options
  • Undisclosed
    Automatic bank drafts (ACH)
  • Undisclosed
    Checks
  • Undisclosed
    Credit/Debit Cards
  • Undisclosed
    Family or Couples Discounts
  • Undisclosed
    PayPal
Payment Options
  • Undisclosed
    Automatic bank drafts (ACH)
  • Undisclosed
    Checks
  • Undisclosed
    Credit/Debit Cards
  • Undisclosed
    Family or Couples Discounts
  • Undisclosed
    PayPal

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