Lexington Law Review: Is It the #1 Credit Repair Firm?

For those who know what to expect, credit repair can be the salve to a wounded credit report. With the help of an experienced firm, credit repair may resolve the errors, incomplete information, and unverifiable accounts that weigh down credit scores and make obtaining financing so difficult.

Of course, in the modern world of endless internet options, finding the right credit repair firm can be a challenge. A quick search shows literally millions of results, and it can be hard to separate the wheat from the chaff. In this case, you have to rely on a little common sense — and a lot of research.

When looking for a reputable credit repair firm, one name you likely see time and again is Lexington Law Firm — and with good reason. Lexington Law is one of the biggest names in the space and has represented millions of people since 2004. Keep reading for our Lexington Law review, including valuable background information on the company, how Lexington Law is perceived by consumers, and a rundown of how the credit repair process works.

While being long-lived and having a large client base doesn’t necessarily mean you’re a quality firm, we’ve found that Lexington Law has more than that. First, as a legitimate law firm — with actual lawyers — Lexington Law is optimally qualified to keep up with the evolving credit laws, and has a dedication to maintaining adherence to the latest federal standards (which is likely how they’ve lasted so long in such a heavily watched and regulated industry).

And, just as — if not more — important, Lexington Law does it while maintaining an impressive success rate. Since 2004, Lexington Law Firm clients have seen over 83 million items removed from their credit reports.

Lexington Law

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• Since 2004, Lexington Law Firm clients have seen over 83 million items removed from their credit reports
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Our Rating

Lexington Law

4.9/5.0

About this rating

“The ratings for the credit repair services we recommend are calculated by credit experts using data points that include:

• Cost
• Reputation
• Average Credit Score Improvement

And other key considerations important to consumers looking to fix their credit. Our ratings are not influenced by our partners and are updated as changes occur. The rating scale ranges from 1.0 to 5.0, where 5.0 represents the highest possible score and our expert’s top recommendation.”

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Ashley Fricker Senior Editor

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★★★★★

4.9

Our Review »

Better Business Bureau	In Business Since	Monthly Cost	Reputation Score
See BBB Listing	2004	$139.95	8/10

Another thing we like about Lexington Law? The firm is very upfront about their monthly price, clearly laying out what they offer and what clients can expect. We do think they could be a little clearer about the five to fifteen day period clients have to cancel without penalty, as well as the first payment that is charged and is separate from the monthly service fee.

On the plus side, while it is not the cheapest credit repair firm on the block, Lexington Law is about on-par withother credit repair services.

The firm does make it easy to explore your options, as your initial assessment is completely free.

The assessment isn’t the only free service Lexington Law offers, either. The firm’s website has a range of educational resources that can help consumers learn more about the ins and outs of their credit and financial rights.

The Credit in a Minute video series imparts helpful tips, while the blogs, books, and articles cover topics from bankruptcy and debt to credit cards and building credit.

For a second, third, or four-thousandth opinion, of course, you can head online. With 20 years of experience working with consumers to repair their credit, it makes perfect sense that Lexington Law has plenty of testimonials and reviews to its name, thousands of which are floating around the web.

Indeed, the firm has well over 3,500 reviews on BestCompany.com, with a solid user score of 7.4 out of 10. Additionally, Lexington Law has more than 2,200 reviews with ConsumerAffairs.com — 54% of which are 5-star ratings, giving the firm close to an overall 4-star rating from clients around the country.

One five-star reviewer detailed his experience with Lexington Law:

“I have only been with Lexington law on and off for a few months and they have already gotten 1/4 of my negative history removed! They give you confidence in your credit becoming more healthy if you stick to the process and stay patient.”

— John in Longmont, Colorado

That said, Lexington Law’s reviews aren’t all milk and honey. The ranks of reviewers do include a few who were unhappy with their experience, often due to the speed of the process. However, Lexington Law’s site is careful to state that every case will vary in the timeline and effectiveness of the process, and many reviewers note that the firm never guarantees results.

Here’s one such negative review:

“I hired this company for 3 things on my credit report that should have been handled quickly. One was a false charge/stolen identity. Another was I returned an item to a retailer…has a return receipt and was still billed for the item. And lastly a dentist office billing me for services not received. In a matter of a year I was charged more by Lexington Law than the 3 accounts would have been to pay off and nothing was removed or disputed.”

— Chris in San Antonio, Texas

Some of the negative reviews center around the difficulty of getting a staff member on the phone once they become a client, with some citing waits of 30 minutes or more. However, few of these reviews mention the efficacy of Lexington Law’s other contact methods, which include email and online chats.

And Lexington Law has a solid track record of responding to bad reviews, offering to contact the customer and review their case to see how things could be better.

Although every credit repair case is individual and dependent upon the client’s specific credit situation, your experience with Lexington Law will follow some basic steps. It starts with the assessment, which includes a complete review of your free credit report summary and score.

Once a client of Lexington Law, you’ll go through the onboarding stage, for which you’ll need your three credit reports, one from each Credit Bureau. Lexington Law provides the reports from TransUnion and Experian. They will also provide helpful instructions in obtaining your Equifax credit report.

During onboarding, you’ll go over your reports with a trained paralegal, including discussing the specific circumstances around each questionable item. The onboarding process should give you a good idea of which accounts on your report can be challenged.

That’s when Lexington Law’s attorneys and paralegals get to business, working out the best strategies to address each disputable item on your report. The initial stage of action typically involves sending appropriate correspondence to the bureaus and your creditors to address simple fixes, mistakes, and incomplete information.

All in all, the most important thing to remember when it comes to credit repair is that it is a very individualized process. The actual number and type of negative accounts you have will dictate the effectiveness of the process, as well as the time it takes to see results.

And because the process is based on your personal credit situation, there is no one-size-fits-all solution. However, for a credit repair firm with more than years of experience, a proven record of success, and a wealth of positive consumer reviews, Lexington Law is our top pick.