Lexington Law

Review Score 9.6

Lexington Law Review

This credit repair specialist offers some of the best credit repair service and client education you can find. Lexington Law will dispute items on your credit report, which is a standard service for all credit restoration companies. They will dispute items with both the bureaus and the creditors. This is important because if the disputed item is only removed from the bureau’s report, but not the creditor, it can come back and reappear on the report.

Monthly credit reporting and identity theft monitoring are two of the most important services offered by Lexington Law. These services are available if you sign up for the higher tiers, but they are often worth the price. If you are worried about your identity security, you should consider having this as part of your overall package.


Starting from: $79.95/month
Pricing model: Subscription
Free Credit Summary and Consultation: Available

You can get six months of service for under $600. That places the cost in a similar area with other credit repair agencies, although there are organizations that offer services for less.

With Lexington Law, you can choose various tiers of service, creating better access to the services you need. Higher tiers give you access to financial tools, FICO score reports, and assistance when removing negative items. Paying more for a higher tier of service lets you dispute more negative items every month, which can speed up the process. On their standard and premier plans, you can dispute six items every month. However, you if get their Premier Plus service, you can dispute eight items monthly.

The best credit repair companies offer discounts for couples, and Lexington Law is no different. The couples discount provides roughly 8% savings over six months of repair services. If you both have bad credit with false negative items, it can be very beneficial to sign up for credit repair and use the couples discount.

Before signing on with Lexington Law, you’ll want to pull a full credit report. Lexington will charge a fee for this service during your consultation so you and the representative can review your report and go over negative items. Most companies will charge a small fee for this service.

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Pros and Cons

  • Client Education
  • Bureau Challenges
  • Creditor Interventions
  • InquiryAssist
  • Score Analysis
  • ReportWatch
  • TransUnion® Alerts
  • Cease & Desist Letters
  • Identity Protection
  • $100 value for $20 more than Concord Premier FICO® Score Tracker
  • Personal Finance Tools

  • Certain discounts, such as discounts for couples

FINAL VERDICT– This is one of the most reliable and trustworthy credit repair specialists you can find. When it comes to repairing credit, Lexington offers dedicated support at an affordable rate.

Few companies can provide a level of customer service that you’ll find with Lexington Law. This national firm specializes in helping clients dispute negative items with credit agencies and creditors. They have excellent education service, making them our top credit repair agency.

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  • When it comes to education, few credit repair agencies offer the level of service that you’ll get from Lexington Law. Providing education on your score and how it affects your finances can be valuable long after you use their credit repair services. They offer a wide range of videos, articles, and courses, as well as ebooks, emails, and a comprehensive customer portal. From what we have seen, they offer the highest level of educational sources.
  • An important part of Lexington’s service is that it offers dedicated paralegal assistance. You’ll be assigned a paralegal who will send regular updates on your progress and keep you informed throughout the credit restoration process. If you need help or have questions, this paralegal, as well as a service team, are able to help in a wide variety of ways.
  • You will also have access to Lexington Law’s online portal. This allows you to review progress on various disputes, and you can track the number of items that have been removed. You can also see your current score. This is one of the few services that also offers an app for smartphones, giving you on-the-go access to your credit-repair progress.

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In our opinion, Lexington Law is the best credit repair service available today. With education, personalized service, and numerous additions that add value to their program, it’s the best of the best. Credit repair is extremely beneficial when you know there are inaccurate negative items on your report or if you are trying to raise your score for a better loan. This credit repair company has been in the industry for a long time, so they know how to deliver the best results, while the different levels of service allow you to choose the plan that works best for your specific needs and budget.

The Concord Standard service level covers the essentials of ethical credit report repair. Lexington Law communicates with both creditors and the credit bureaus on your behalf to ensure fair, accurate and substantiated credit reports.

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Company Offer

Improve Your Credit Denied? Due to bad credit?

Lexington Law ClientsLexington Law Clients


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Importance of your credit score and how credit Credit Repair can help you.

With credit scores driving everything from interest rates to insurance premiums to job offers, a good credit score is possibly the biggest boost you can give your financial life. Good credit score could save you and your family thousands of dollars.

Can My Negative Items Be Removed?

You as a consumer have the right to question any items that you think are inaccurate, incomplete or misleading. You can also request the credit agencies to remove any outdated items. If the credit bureau can not verify, it must be removed from your credit report.


Accurate means absolutely free of errors, and not inaccurate, incomplete, misleading unclear, ambiguous, or outdated.


Verifiable means that the creditor can verify the validity of the information reported. Any information that can not be verified must be removed from your credit report.

Who Decides What I Questionable?

You decide what is questionable and have the right to dispute it in accordance with Fair Credit Reporting Act.

Can Anything Be Done To Remove Accurate Items?

You can only dispute items identified as inaccurate, incomplete, or outstanding, but no consumer has the right to have accurate, current, and verifiable information removed from their Credit Report.

See more FAQ’s Below…


Does Credit Repair Really Work?

Click on
the questions below for more information.

is it so common to hear that bad credit can’t be
does the law say about repairing your credit?
is the truth about credit repair companies? Can they
really do what they say they can do?
do you go about completely repairing your credit and
getting new credit lines, mortgages, etc.?
you add good credit to your credit report by having
another person add you as an authorized user to one of
their credit cards?


Why is it so common to hear that bad credit can’t be repaired?Credit is a way of life in America.
Without good credit, you have to take your seat in the
second-class section of our economy. But, if your credit is
in shambles, you may not be willing to wait for seven years
while your credit report repairs itself.
Is there anything you can do to speed your credit repair? Many authorities, such as the news
media, will tell you there is nothing you can do to repair
your credit. Newspapers, magazines, and TV news journals all
seem to be unanimous in discouraging you from making any
effort to repair your credit before the seven year limit.
How do these journalists explain
Lexington Law Firm? We have repaired over one hundred
negative items from individual consumer
credit reports in the last two years. What about the
thousands of Americans who have repaired their own credit?
Why has the media repeatedly denied the possibility of
repairing credit when substantial evidence points to the
contrary? Who stands to gain from such a broad campaign of
The giant credit reporting agencies
(credit bureaus) have maintained a consistent public
relations effort to dissuade you from repairing the
information appearing on your credit reports. The credit
bureaus are especially intent on steering you clear of
“credit repair” companies that promise to help you
repair your credit. The bureaus claim that these companies
“cannot have accurate information removed from your
credit report.”
If you are like 70% of Americans that
have less than perfect credit, you’re sure to be interested
in the truth about credit repair. If there were a legitimate
alternative to seven years of credit denial, that
alternative could mean early parole from the bad credit
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What does the law say about repairing your credit?

As the credit bureaus computerized
their processes and greatly expanded their reach and
influence in the late 1960s and early 1970s, consumer
complaints began to pile up at the FTC and state attorney
generals’ offices. The credit reporting agencies quickly
became huge bureaucracies second only in size to the federal
government. Yet, the credit bureaus expressly served only 
the needs of their clients, the credit grantors.Many consumers were negatively effected by the credit bureaus, but they had no way to
correct or change their credit information. The American
consumer lay completely at the mercy of the credit bureaus.
The United States Congress enacted the Fair Credit Reporting
Act (FCRA) in 1971 to ensure that the credit bureaus
investigate the credit items disputed by consumers. This
federal law set procedural guidelines which gave the
consumer the right to challenge the accuracy, validity, and
verifiability of the credit listings appearing in their
consumer credit report. It also required that the credit
bureau repair any credit listing if it was inaccurate or
could not be verified.
In theory, the FCRA charges the credit
bureaus with a responsibility to the consumer as well as the
credit grantor. In reality, the credit bureaus resist,
resent, and reject consumer disputes. The credit bureaus
would rather be left alone to make a profit. And, each time
a consumer challenges his credit, profit is lost.
The credit bureaus first defend their
profits by erecting walls of stall tactics, including
requests for more information, further clarification, and
additional identification. The vast majority of consumers
give up before they even receive copies of their credit
reports. If a consumer manages to get a credit report,
decipher the codified information, write a coherent dispute,
and mail it, the bureaus may still find some reason to
disregard the challenge. The entire dispute system is
designed to frustrate and discourage the consumer.
Many consumers have the idea that the
credit bureaus must complete their investigation within
thirty days or be forced to remove all disputed information.
They threaten to sue the credit bureaus if they don’t
conclude their investigation in time and repair their
credit. In practice, such thinking is delusional. Nobody
forces the credit bureaus to do anything.
However, if you manage to submit a
valid dispute letter, and the credit bureau investigates
your dispute, the chances of success are good – whether or
not the negative listings are accurate! Accuracy actually
has little to do with the deletion of negative items.
If a credit bureau cannot verify an
item before completing its investigation, that item will be
removed. Many creditor grantors are simply reluctant to take
the time to verify the data. While the credit bureaus may be
in the business of reporting credit histories, creditor
grantors are not.

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What is the truth about credit repair companies? Can they really do what they say they can do?Many “credit repair”
companies claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and
money’back guarantees; “Bankruptcy,tax liens,judgments, . . . no problem!! One hundred percent guaranteed!! Credit report 100% cleared in 30 days!!”
Can they really make such sweeping guarantees?While some credit repair companies are outright frauds, others are not frauds and they use the dispute process to obtain impressive results. In fact, they delete thousands of negative credit listings every day -regardless of whether or not the listings are technically accurate. In truth, credit repair fraud is less common today than five years ago. Vigorous regulatory sweeps by state and federal regulators have cleared away most of the illegitimate (and some of the legitimate) credit repair companies.Unfortunately, it’s risky to trust anyone to help you repair your credit. It is estimated that credit repair companies have bilked Americans out of more than fifty million dollars. The majority of credit repair companies were started by entrepreneurs with a penchant for marketing. Consumers have flocked to these “credit doctors” only to discover that their advertisements
proved far more impressive than their results. Hiring a credit repair company is like playing Russian roulette. Many
of them are effective and legitimate, but it is difficult to tell a rip-off from the real article.
Working within the credit bureau maze requires substantial background knowledge; knowledge it takes credit repair companies years to learn. In fact, U.S. District Court Judge J. Wexler entered the following legal opinion in the Federal Supplement. “Since allowing third parties to assist consumers will likely lead to the expedited correction of credit reports, it will further the
purposes of the [Fair Credit Reporting] Acts.”
So, can credit repair companies really guarantee results?Not a chance! No credit repair company is so good that it can guarantee a specific outcome. It would be like a defense lawyer guaranteeing that the jury will find his client innocent. Guarantees are a sure sign of credit repair fraud. A warranty, where the credit repair company promises a refund if certain results don’t occur, is a better, more realistic claim.Not surprisingly, the credit bureaus have declared war against the credit repair companies and those selling instruction on how to do-it-yourself. The bureaus lambaste credit repair companies in the media and send anti-credit repair literature to anyone whom they suspect of using credit repair services. The bureaus unflinchingly deny that accurate information can be removed from a credit report.Some time ago, a couple in the Northwestern United States, who were using the services of a legitimate credit repair company, received a scathing letter of reproach from their local credit bureau. The letter chastened them for relying on the “unethical” methods of credit repair and pointed out how all their efforts had come to nothing. “As you can see,” the letter chastened , “your credit reports remain unchanged.” The couple was bewildered because almost all of their many negative credit listings, including a
bankruptcy, had long since been deleted.The simple truth is that you don’t have to endure bad credit for seven to ten years. It is
possible to repair your credit within a much shorter time.
However, you decide to address your credit challenges, realize that regardless of what you may hear in the news media, thousands before you have sought help and repaired their credit. They can show you their homes, cars, and credit cards. Despite the newspaper articles, TV reports, and other credit bureau propaganda to the contrary, you can repair your credit.
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How do you go about completely repairing your credit and getting new credit lines, mortgages, etc.?

Any credit repair consists of two
phases: removing the negative listings from your credit
report and adding new, positive listings.
Since just a couple of negative
listings will earn a rejection from most creditors, repair
of your negative credit should be the first priority. After
bankruptcy, for example, the credit report will show many
negative listings including the bankruptcy filing, discharge
and numerous “included in bankruptcy” listings.
While removing a bankruptcy from your credit report is no
easy proposition, it is possible and definitely worth the
effort. For more help, see repair
Your credit.
It is important to note that you may be able to obtain much of the credit you need even without repairing your credit report.Most home loan guidelines (including
FHA guidelines) require that you have no negative credit
appearing within the last two years. This means that you may
have no late pays within the last two years and that any
collection, lien or judgment has been paid more than two
years ago. Even if you have some bad credit in the last two
years, you can often find a mortgage amongst the
“sub-prime” or “sub-A” lenders that will
finance you even before you repair your credit. These loans
will charge a higher interest rate and require more equity
or a larger down payment before they will close. If you have
good income and a reasonable debt to income ratio, a
sub-prime loan may be the key to refinancing or getting a
home while you repair your credit. In any case, if you are
working on your credit repair, you may be able to refinance
within a year at better terms.
Automotive financing will typically
allow some negative credit before credit repair, but with
less than optimal terms. If you have a few late pays, you
may pay a little more in interest (but it adds up fast, to
be sure.) If you have truly awful credit, you may still get
an auto loan, but at very high rates (but you should
definately repair your credit in the meantime.)
Standard rate credit cards seem to be
the most difficult when it comes to credit that still needs
credit repair. Most standard rate cards will reject you
immediately for any negative credit whatsoever. Yet, there
are many credit cards that work with bad credit and help you
to repair your credit. Some require deposits and others
require a significant annual fee. Most have low credit
So, once your credit repair is
underway, you can turn attention to adding positive credit.
You may have to accept some of this less-than-standard
credit options while you repair your credit. But, a word to
the wise, there are many credit repair scams out there that
prey upon the credit distressed. Even your local auto
dealership may take advantage of your vulnerable position
and your desire to repair your credit. Many phony credit
card offers exist that allow you a card, but one that is
only good for the company’s limited line of merchandise.
Mortgage brokers often hide exorbitant fees in loans to
borrowers who need credit repair. It is not uncommon to
charge credit repair customers four to eight
“points” on a subprime mortgage loan. These
points amount to tens of thousands of dollars that you must
pay over the life of the loan. Make sure that you read the
fine print and compare your mortgage, auto loan or credit
card to the typical terms of regular financing if you are
applying before your credit repair is complete.
With that said, there are many good
options for repairing and rebuilding credit that you can
find on the internet or at your local credit union.
Maybe you’ve recently finished
repairing your credit or maybe you’re young and haven’t used
credit yet. In either case, here are a few tricks to credit
repair and building a positive credit history quickly and
cheaply. Most times you start building some good credit in
just a couple of weeks. But, beware, if you stack too many
open accounts, or too many credit inquiries, you will be
denied based on debt to income ratio and excessive credit
If you know someone (like a good
friend or parent) who has good credit, you can
“borrow” their good credit listings and begin to
repair your credit. This friend must have credit cards, and
must trust you enough to allow you to become an
“authorized user” on his or her credit cards. Just
have your friend call the credit card company and request
that you be placed on his card as an authorized user. A copy
of the card will be sent and you may simply return it to
your friend. Your credit file should soon show an open
account with all of the positive history that your friend
has created over the years with that credit card. A small
footnote will sometimes show that you are an authorized user
of that card. Remember, though, when a new credit grantor
goes to review your file, he may insist that the balance on
the card appear on your debt to income ratio. That shouldn’t
disqualify you for credit if your income is sufficient and
you don’t have an excess of debt on your file.
There are a number of good secured and
unsecured credit cards that advertise on the internet. These
cards are designed to help you to repair your credit.
Understand, however, that secured credit cards will appear
on your credit report as “secured” and will not
necessarily repair your credit history as much as an
unsecured card.
There are a number of creditors who
are traditionally more accepting of those with little credit
history or who are in credit repair. For example, many
college credit unions will extend low limit credit cards to
students without a credit history. Many department stores,
such as Sears, will extend a credit line to encourage you to
shop at that store, even if your credit repair isn’t yet
complete. Electronics stores, furniture stores and cosmetics
shops are all usually open to extending credit to credit
repair candidates.
As with any line of credit, you must
make sure that you handle these new accounts responsibly. It
is a temptation to use a department store credit card
frivolously. Just remember that you have to pay back every
dime, with interest.

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Can you add good credit to your credit report by having another person add you as an authorized user to one of their credit cards?

When another person adds you to a
credit card as an authorized user, the credit card company
will typically place the account on your credit report as
well, serving to help repair your credit. Often, the account
will carry a note indicating that you are an authorized user
rather than the primary cardholder. Even so, this serves to
substantially improve your credit history.
On the other hand, the account will not typically show up with the entire account history but will show only from the time you were added as an authorized
Beware: if the account goes delinquent, it may negatively affect your credit report and the credit card company may even attempt to recover payment from the authorized user. If this happens, your credit repair can slip even further behind. Click Here to Learn More about Credit Repair.

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Credit Repair Services
9.6 Total Score
Lexington Law Review

In our opinion, Lexington Law is the best credit repair service available today. With education, personalized service, and numerous additions that add value to their program, it’s the best of the best. Credit repair is extremely beneficial when you know there are inaccurate negative items on your report or if you are trying to raise your score for a better loan. This credit repair company has been in the industry for a long time, so they know how to deliver the best results, while the different levels of service allow you to choose the plan that works best for your specific needs and budget.

Services & Credit Education
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