Does Lexington Law Really Work? 2019 Review

Does Lexington Law Really Work? 2019 Review
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Adam West
By: Adam West
Posted: October 4, 2019
Our popular “How-To” series is for those who seek to improve their subprime credit rating. Our articles follow strict editorial guidelines.

The rules around resolving credit disputes are vast and complex. Choosing to begin repairing or rebuilding your credit is a big move — and one that’s too important to “go it alone.” But with so many options out there, how can you be sure you’re choosing the right credit repair firm?

You can start by asking a few questions, like how long the company has been in business and what its success rate is? You can also look at the reviews, both by customers and those of independent reviewers. Finally, you can look at whether the company’s pricing is fair, transparent, and reasonable.

If you do all of that due diligence, one company, in particular, is likely to stand out. Lexington Law Firm has been a trusted leader in credit repair since 1991. This may lead you to wonder, Does Lexington Law really work? Let us help answer that question for you.

Lexington Law is the Largest Credit Repair Firm in the U.S.

Lexington Law has helped more consumers in their quest for fair and accurate credit reporting than any other credit repair company. More than 500,000 consumers have turned to Lexington Law for help with removing negative entries and ensuring the accuracy of their credit report.

The company works with a network of licensed attorneys with advanced training in consumer advocacy, consumer law, and the most current credit reporting practices.

  • Free consultation: 1-855-200-2394
  • Most results of any credit repair law firm
  • Clients saw over 9 million negative items removed from their credit reports in 2016
  • More than 500,000 credit repair clients helped since 2004
  • Cancel anytime
  • Click here for sign-up form, terms, and details.
★★★★★

4.9

Overall Rating

Better Business Bureau In Business Since Monthly Cost Reputation Score
See BBB Listing 2004 $89.95 10/10

Size matters when it comes to protecting consumers’ rights against inaccurate credit entries, unresponsive creditors, and the bureaucracy that is our credit reporting system. Lexington Law is by far the largest single credit repair firm in the U.S., and having this scale is what allows the legal experts at Lexington Law to provide reliable, affordable, and effective credit repair for thousands of consumers every year.

Some of the many benefits you can expect when choosing Lexington Law include:

  • Licensed attorneys
  • Free consultations
  • Choose from different service levels
  • Discounts available
  • Free online educational resources
  • Legal firm with a strong reputation

Lexington Law also offers credit-challenged consumers the ability to choose from basic to advanced credit repair services, based on each individual’s personal financial situation. This lets consumers select the level of credit repair that fits their needs, with transparent and affordable pricing of these services starting at $89.95 a month.

Nearly 3,000 Client Reviews on Best Company

In doing your research on which credit repair firm to hire, don’t just trust the reviews on the company’s website. BestCompany is an independent reviewer that looks at thousands of real and verified customer reviews, and rates companies based on this factual data.

Lexington Law has almost 3,000 reviews on the BestCompany website, with an overall score of 8.4 out of 10. Here are just a few of the reviews you’ll see from satisfied Lexington Law clients:

“Lexington had my tax liens removed, late payments, collections, my score jumped from 515 to 750 in four months. Rome wasn’t built in a month, just give them 6 months and you’ll be glad you did….”

“I had poor credit. They went thru all my debts. Got some reduced and upped my credit score. I still have a lot to work [to do] but they have been very helpful to get me on the right track.”

“Started from the bottom, after a bankruptcy and was able to clean up my records and credit. Really appreciative of their efforts. If you put the work in, Lexington will go to work for you. Great job!!!!”

“I was looking for someone to help me clear my credit. Lexington Law was there for me. Most of my credit was in medical bills. They helped me out of 23 – they got 21. For that, I’m very grateful.”

“Credit repair is a tedious task. Careful watching of new habits combined with great direction from the staff provided great results. Be patient and follow direction, you’ll see results, I promise. Thanks, Mr. H and all the staff for giving me your time and expertise.”

Still not sure you need a credit repair service to help get your credit back on track? Here are just a few of the reasons why you should consider turning to the experts to assist you.

  1. Save time. Fixing your credit can be a time-consuming and thoroughly perplexing process. From getting copies of all your reports to deciphering what the entries mean to drafting disputes and waiting for responses — not to mention following up on challenges and denials. All of this can take more time than most of us have.
  2. The professionals know what to look for. The experts have experience with reading and understanding credit reports and know just what to address when looking for credit score improvements.
  3. Reduce stress and anxiety. The system for addressing and repairing credit has been set up to make it difficult to navigate. That’s understandable since there is a potential for abuse, however, it means most of us are unprepared for the complexities.
  4. Prevent mistakes from doing more damage. If you make even a small mistake in disputing an entry on your report, you may unwittingly extend the time an entry stays on your report. This can keep your score low for an even longer period of time.

Chart Showing Time Items Take to Age Off a Credit Report

According to a Federal Trade Commission (FTC) report, as many as 20% (or 1 in 5 consumers) have errors on their credit reports. Many of these errors are egregious enough to cause a negative impact, such as being denied credit or access to a loan. The majority of us are unaware of most of these erroneous entries and can be negatively impacted without even knowing why.

Lexington Law Alternatives

Of course, Lexington Law isn’t the only game in town, and you should do your own assessment of the type of credit repair service that will work best for you. Here are some other reputable companies for you to consider.

  • Free consultation: 1-855-200-2393
  • Average 40-point increase in Transunion credit score during first four months
  • Free access to your credit report summary
  • Three-step plan for checking, challenging and changing your credit report
  • Online tools to help clients track results
  • Click here for sign-up form, terms, and details.
★★★★★

4.5

Overall Rating

Better Business Bureau In Business Since Monthly Cost Reputation Score
See BBB Listing 1997 $99 9.5/10

In business since 1997, CreditRepair.com offers a free consultation and free access to your credit report summary. The company also offers online tools to help clients track their results, and a three-step process for how to check, challenge, and change their credit report entries. Pricing starts at $99.95 per month and includes access to online tools, mobile app, personalized online dashboard, credit monitoring, plus text and email alerts.

Sky Blue has been offering credit repair and restoration services since 1989, making it one of the longer-established companies in the business. Its simple formula and 90-day money-back guarantee make this company a low-risk choice for anyone looking to begin repairing their credit. The company claims a user-friendly interface, free consultation, and a faster dispute process — all for a low monthly fee of just $79.

Touting their commitment to customization, flexibility, and options, the Credit Assistance Network promises to provide only the services its clients need. Upon signup, you’ll receive a consultation to review your credit reports and determine which items to dispute and on what legal basis. Phone support is available Monday through Friday, but you’ll gain 24-hour online access to your account portal with detailed real-time updates.

Yes, Credit Repair Can Work

We all know someone who’s the do-it-yourself type, preferring to tackle their own repairs on everything from their car to their broken kitchen appliances. Sometimes it works out, but more often it takes more time and costs more money than if they had simply turned to the experts.

The bottom line is this; if you’re serious about getting your credit back on track and improving your chances of being approved for a loan or mortgage, don’t go it alone. Credit repair services are there to help consumers like you navigate the confusing and complex environment of credit improvement.

Although it’s unlikely to happen overnight, the benefits of credit repair can be profound and long-lasting. Credit scores and credit reports can be improved by following the steps and processes laid out by firms like Lexington Law and others that have expertise and experience in dealing with this complex system. So, to answer your question, yes — Lexington Law really works.

If you’re ready to start, there’s no better time than the present and no better way than to engage the experts to help you do it.