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Lexington Law

Lexington Law: Credit Repair Services Review

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Lexington Law: Credit Repair Services Review

Lexington Law offers its services for people who don't have the time or resources to repair their credit score. Over the years, they have been considered the largest and most well-known credit repair company. Continue reading our Lexington Law review to know everything it can offer you.


Free consultation
Financial tools
Offers a mobile app
Other legal services


D- rating by the BBB
Could be pricey

Quick Stats

BBB Rating
You can cancel anytime
Customer Service
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

About Lexington Law

Lexington Law is one of the top options you’ll get when you research credit repair companies. It have risen to become the largest credit repair company in the industry by removing more than 56 million negative items and sending out over 221 million disputes on behalf of its clients since they were founded. They have been in the industry for over two decades; the Better Business Bureau, BBB, has rated them with a C-. 

How Does Lexington Law Work?

The process is simple; you can start the first step online. All you have to do is go to their website and select “Start online.” Once you select that, you will be directed to an online form where they will ask you to fill out general information about yourself. After that, they will direct you to choose the best plan for you.

How do they work?

Lexington Law will offer you:

  • Free Credit Score
  • Free Credit Report Summary
  • Free Credit Repair Recommendations

Their services work in four steps:

  1. Obtain a credit report analysis: The first step is to check your credit score and what’s affecting it; you can either call them or fill out an online form with your personal information to receive a credit report analysis.
  2. Dispute your credit: The report will highlight the inaccurate negatives you have on your report and they will dispute it on your behalf.
  3. Follow up on disputes: Some negative items require additional correspondence, so they monitor those negative items till they are resolved.
  4. Monitor your progress: The app and online portal will offer you 24/7 access to your credit score analysis and continue offering you solutions until you reach your credit goal.

Other services they offer

Apart from the traditional credit repair services, they offer legal services in some states, such as: 

  • Litigation
  • Child Custody
  • Bankruptcy
  • Divorce
  • Criminal Defense
  • Property & Water Rights
  • DUI Defense
  • Pro Bono Cases

Lexington Law Cost

Their services are divided into three packages, ranging from basic credit repair to premium options with additional features—combining all features into different packages guarantees that you are only paying for what you need. 

The three plans are: 

Concord Standard: $89 per month

This is Lexington Law’s entry-level package, the Concord Standard plan, which includes all the essentials of credit repair. While this is their basic plan, it has the full range of services that smaller credit repair companies offer.

The plan covers the following services:

  • Credit Disputes
  • Creditor Intervention
  • Inquiry Assist
  • ID Theft Insurance

  • DebtHandler

Concord Premier: $109.95 per month

Concord Premier is their mid-level plan, which includes all the credit repair basics covered under the basic plan, in addition to a few extra perks.

The plan includes:

  • Credit score analysis
  • Credit monitoring
  • Alerts when the score changes 

Premier Plus: $129.95 per month

Premier Plus is the most comprehensive and premium plan offered by Lexington Law. With this plan, you don’t only get credit repair services; you get:

  • Cease and desist letters
  • Access to FICO
  • Score tracker
  • Financial planning tools
  • Lost Wallet Protection
  • Junk Mail Reducer

Lexington Law Customer Support

They currently offer their services in all states except OR and NC. If you live outside those two states and are a new client, you can reach them by phone at +1-833-333-8277 during business hours. If you are an existing client, you can reach them at +1-833-793-3000.

Business hours run from:

Monday to Friday: 7 a.m. - 7 p.m. MST
Saturday to Sunday: Closed 

However, if you don’t want to speak to a representative, the whole process can be done online or through the mobile app, which is available to you 24/7. The app is available for both iOS and Android users and has a 4.6-star average rating, with mostly positive reviews.

Lexington Law Contract Duration

If you commit to getting a membership with Lexington Law, all of their plans are monthly and can be canceled at any time. However, if you want to cancel your subscription, you can not do it online; you’ll have to contact a customer support agent directly before your next payment is due. Otherwise, you would need to wait another month to cancel it.


Lexington Law offers a wide range of features that other credit repair companies don’t. You can use all of their services online with their top-rated smartphone app, with almost excellent reviews. You can also get a free online credit report consultation where you get a free credit report summary and repair recommendations.

Can I cancel my membership?
How long does the credit repair process take?
How many plans do they offer?
How much do they charge?
Can they help remove unpaid collections?
Is there a guarantee that they will fix bad credit?
How can I pay for my membership?

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