This is the appropriate location if you consider signing up for Lexington Law's credit repair services. Lexington Law, a well-known credit repair agency, has been helping people with their credit since 2004. More than any other credit repair company, they claim to have removed 56 million items from their client's credit reports. Are there better credit repair businesses out there than Lexington Law?

What is Lexington Law's Method of Operation?

Lexington Law's credit repair procedure includes engaging with the credit bureaus on your behalf to contest false information on your credit report. It is necessary that any information that does not fulfill the standards of the Fair Credit Reporting Act be removed from the databases of credit reporting agencies.

If there are any errors or omissions in your credit report, Lexington Law can work with your creditors to repair them and get your credit back on track. Lexington Law has a working connection with Experian, Equifax, and TransUnion, all three main credit agencies, so you don't have to do this alone.

What Doesn't Lexington Law Offer?

Anything that hurts your credit rating is not merely a "negative item." No credit repair firm can eliminate valid debt, legitimate inquiries, a history of late payments, or a series of charge-offs. You'll need serious adjustments to your spending and saving habits and a lot of perseverance to raise your credit score. Maintaining improved practices will gradually "age off" the bad things on your credit report. Lexington Law can only help to guarantee that your credit history is correctly and fairly disclosed.

Pros

Other credit repair companies have been compared to Lexington Law in several ways, including:

Legal Team With Years of Experience

Lexington Law is the firm you can rely on since the top credit experts are well-versed in the law. Lexington Law's credit repair staff comprises professional lawyers and paralegals, unlike other credit repair companies. You may rest confident that your credit repair efforts will be handled under the law if you engage with a team of experts.

Counseling Personalized

Every client at Lexington Law is assigned an account representative, often a paralegal. Discussing your bad credit history with a known face is reassuring since the specifics are so personal.

Extensive Customer Service

Although the Lexington Law company does not have a 24-hour hotline, they have a broad selection of customer service hours that may be arranged to fit your hectic schedule. In addition to phone, email, and online chat, Lexington Law customers have access to an advisor.

Cons

There is still space for development at Lexington Law, despite its reputation as a successful credit repair company, as shown below.

The Price of an Extra Credit Report

The Concord Standard plan at Lexington Law Firm costs $14.95 more per month if you want a credit report. In light of free yearly reports from the three major credit agencies and applications like Credit Karma that will display your credit score, this seems excessive for a routine part of the credit restoration process.

BBB Rating Needs Work

Lexington Law Firm is not certified by the BBB and has a C rating, which is surprising. Almost all complaints come from customers who thought the firm promised outcomes, which it does not because each credit situation is unique, as any good legal practice will tell you. Lexington Law does a commendable job of responding to consumer complaints on their BBB profile and in other public places, demonstrating a willingness to solve their clients' issues.

In addition, Observer.com gives Lexington Law's credit repair services good marks for quality and effectiveness. Aside from that, clients have given Lexington Law high marks on other review sites, such as BestCompany.com, where the firm received an 8.9 out of 10.

Service Types

Lexington Law offers three tiers of credit repair services, ranging from the most basic to the most luxurious. Customers will only be charged for the services they use with this pricing model. Complex instances can acquire more in-depth support, while those with simple needs can opt for a lower-cost option.

Concord Standard

Concord Standard, the company's entry-level credit repair program, includes all the basics. Lexington Law's most basic package includes the services given by some of the smaller credit repair organizations.

Dispute resolution and creditor intervention are included in the Concord Standard service package at no additional cost to the customer. As part of the credit dispute procedure, Lexington Law will detect inaccuracies and send requests to credit bureaus to remove them from your credit report.

Concord Premier

All the essential credit repair services are included in the Concord Standard plan, but the Concord Premier plan adds a few extras. Lexington Law will help you fight back against short queries on your credit report that aren't warranted. Your credit score will be evaluated, and you'll be informed of changes through email and text.