How Much Does Lexington Law Cost?

How Much Does Lexington Law Cost

Sometimes it takes an expert to make sense of complicated situations. But the term expert usually equates to a hefty price tag that scares consumers from seeking the help they need.

If you’ve researched credit repair, you’ve likely heard of Lexington Law. The firm is one of the largest and most successful groups when it comes to removing negative items from consumer credit reports. But how much does Lexington Law cost?

The answer may surprise you — because the fee you pay for your credit repair is likely substantially less than what those negative credit report items currently cost you.

Pricing | FAQs | Alternatives

Services For $99.95 Per Month

Lexington Law offers their services for $99.95 per month. According to the company’s website, the average customer uses the service for six months. There’s no obligation to continue for six months or longer, and you can opt out of the service at any time.

The service includes a free consultation and an initial credit report analysis, in which Lexington Law combs through your credit history and curates a plan to target the questionable negative items that affect your credit score.

  • Since 2004, Lexington Law Firm clients saw over 81 million items removed from their credit reports
  • Get started today with a free online credit report consultation
  • Cancel anytime
  • See official site, terms, and details.


Overall Rating

Better Business Bureau In Business Since Monthly Cost Reputation Score
See BBB Listing 2004 $99.95 8/10

Keep in mind that Lexington Law cannot remove legitimate items — such as late payments or defaults — from your credit report. But studies show that 1 in 5 (or 20%) of Americans have some sort of error on their credit report. Those errors could result in dozens, or even hundreds, of points lost on your credit score.

And those missing points can cost you thousands of extra dollars in interest payments. Even worse, they can keep you from getting the loans or credit you need.

With Lexington Law, you’ll harness the company’s partnerships with licensed attorneys who work to get your credit report in order so you can live the financial life that you deserve.

When compared to the money you might spend in interest on a loan that’s based on your current credit score, the price of Lexington Law’s services is a solid investment that pays dividends over the long term.

FAQs About Lexington Law’s Services

Now that you know how much Lexington Law costs, you may wonder exactly what the company can do to help your credit score. Here are a few of the most frequently asked questions we receive about the company’s services.

Does Lexington Law Remove Charge-Offs?

Yes, Lexington Law can help remove charge-offs from your credit report, but the company itself doesn’t actually remove any items from your file.

Instead, the company’s team of licensed lawyers and paralegals communicate on your behalf with creditors and credit reporting bureaus to have negative items removed from your credit report. Any legitimate items must remain on your credit file until they age out. Depending on the type of item, this can take between two and 10 years.

The Fair Credit Reporting Act (FCRA), requires the credit bureaus to remove charged-off accounts from your credit report no later than seven years after the original delinquency date. Quite often, the original lender sells the debt to a collection agency that changes the charge-off date and restarts that seven-year clock. Such activity is common but illegal.

Lexington Law can have old, or altered, charge-offs removed, which can give your credit score an instant boost. The company can also work to remove other questionable negative items from your credit file, which can result in a credit score increase of between 15 and 240 points each:

  • Late payments (up to 110 points recouped for each item)
  • Debt settlements (up to 125 points per item)
  • Foreclosures (up to 160 points each)
  • Bankruptcy (up to 240 points each)
  • Collections (up to 110 points each)
  • Hard inquiries (up to 15 points each)

Having one or more of these items removed from your credit reports can give your credit score a significant, near-immediate boost.

How Long Does Lexington Law Take?

As with any legal matter, Lexington Law cannot promise or guarantee results in a certain time frame. The company does state, though, that the average client uses its services for six months.

Statistically, the company’s clients typically experience quick results, with an average of 10.2 items, or 24% of their representing negatives, removed within four months.

But since Lexington Law can only petition creditors to remove items, the company must abide by whatever time frame the creditors place on reviewing your case. That could mean weeks or months of back-and-forth negotiations.

But that is still less time than it typically takes to remove the items yourself.

Is Lexington Law a Good Credit Repair Company?

There’s strength in numbers, and Lexington Law is one of the largest — and most successful — credit repair companies in the U.S.

For more than 26 years, Lexington Law has worked to remove millions of negative items on credit reports each year. The company remains fully transparent throughout the removal process. As a client, you’ll have access to an online portal that shows updates and keeps you informed on the progress in real time.

If you aren’t satisfied at any point during the process, you can cancel your service and pay nothing more beyond the services you’ve already used.

Customer testimonials also show a company that is dedicated to its clients. Lexington Law maintains an 8.8 out of 10 rating after nearly 3,000 customer reviews on

“Lexington Law is nothing short of amazing! They have done exactly what I have asked and been very polite to me the entire time with no questions asked. I wish I would’ve heard about Lexington Law sooner in my life but I am glad that I am working with them now. Thank you so much for your time and your effort I truly appreciate everything that you do for me.” — Jonathon J., Best Company Reviewer

“Some people say that they can’t afford Lexington Law… I would like to change that and say you can’t afford not to have Lexington Law on the team…” — Joshua A., Best Company Reviewer

Most reviews are by clients who witnessed dramatic improvements in their credit score with a little patience and perseverance.

Is Credit Repair Worth the Money?

You wouldn’t pay someone to fix a working refrigerator. At the same time, you wouldn’t spend your hard-earned money to hire a handyman if you have nothing for him to do.

The same goes for credit repair. While Lexington law has a long and storied history of removing negative items from clients’ credit reports, the company can only do what the law allows it to do. That means legitimate items must remain on your credit report until they age off naturally.

But are the services worth the money? Let’s use a sample mortgage loan to answer that question.

Your credit score can drastically alter the interest rates you pay on a 30-year mortgage. A slight shift of only 25 points in your credit score can save you thousands of dollars over the life of a loan.

Studies found that consumers who have credit scores between 625 and 650 typically received mortgage interest rates of 4.5% or higher. At the top tier, consumers who have scores above 750 received a median interest rate of 3.62%.

Given a sample $250,000, 30-year mortgage, you would pay approximately $1,654.21 per month with a 4.5% interest rate. The average monthly payment with a 3.62% rate is $1,526.92. That’s a savings of 127.29 per month, $1,527.48 each year, and $45,824.40 over the life of the loan.

So, is credit repair worth the money? Definitely.

You can also attempt to remove any negative items yourself. While the process is fairly cut and dried, it does take time — and at least some knowledge of the system you’re interacting with.

That’s because you must dispute every item separately, with an individual dispute for each of the three major credit reporting bureaus. So, if you have 15 items that you need to dispute, you must file 45 different claims.

Alternatives to Lexington Law

Lexington Law isn’t the only company that helps repair consumer credit reports. Many companies specialize in helping consumers remove negative items that weigh down their credit files.

While Lexington Law has a track record that puts it among the best in the industry, here are some other options to aid in your research process.

  • Free online consultation
  • members saw over 8.6 million removals on their credit reports since 2012
  • 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
  • See official site, terms, and details.


Overall Rating

Better Business Bureau In Business Since Monthly Cost Reputation Score
See BBB Listing 2012 $69.95+ 8/10
  • Free online evaluation
  • One-on-one action plan with a certified FICO professional
  • Unlimited disputes of any questionable items on your credit reports
  • 24/7 Access to your online client portal
  • 90-Day Money-Back Guarantee
  • See official site, terms, and details.


Overall Rating

Better Business Bureau In Business Since Monthly Cost Reputation Score
A+ 2009 $69+ 7.5/10

+ See our full credit repair rankings.

Take Control of Your Credit Reports and Scores

Everyone makes mistakes. How those mistakes impact your life depends on the action you take to correct the errors.

While the credit reporting bureaus provide ways for consumers to independently challenge items on their credit reports, the process can take many months — and lots of hours — to complete. By hiring an experienced credit repair firm, you can improve your financial health by paying a monthly fee that essentially pays you back for many years to come.

So, instead of asking, “How much does Lexington Law cost?” you should consider just how much money Lexington Law can save you throughout your financial journey.

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