PROS / Lexington Law works directly with your creditors in addition to the credit bureaus to clear up your credit disputes.
CONS / This company does not offer a money-back guarantee.
VERDICT / Lexington Law's credit repair service has a lot to offer, including excellent customer service and supplemental education that is especially helpful.
Lexington Law is a law firm that offers credit repair services to clients across the country. It offers almost all of the program features we looked for in the best services, and it provided excellent customer service in our testing. It also has especially comprehensive supplemental education. These features and more earned Lexington Law our Top Ten Reviews Gold Award.
Support & Service
We reached out to this company multiple times on various days to test the customer service it provides to potential clients. Overall, we had positive experiences with Lexington Law's customer service representatives. They were available via phone and were responsive to email. The representatives we spoke with were transparent and open with the answers they gave us. They also provided accurate information, and the details they gave us were consistent across phone calls and when compared to the information on the company's website. However, no representatives followed up with us to be sure we did not have further questions.
Lexington Law offers supplemental education about credit, finances and credit laws on its website. It has 12 topics for you to research – the most we saw from any service we reviewed – and they include information on bad credit scores, the Fair Credit Reporting Act and other legislation, clean credit reports and more. This company's website also has a regularly updated educational blog for you to peruse. The blog discusses things such as debt-to-income ratio, taxes, high rates and other information.
Cost & Fees
To repair your credit with Lexington Law, you must pay a monthly fee of $79.95 per month, which is among the higher fees charged by these companies. There is no setup fee, and the service pulls your credit for you. Most credit repair services charge either a setup fee (which often includes the credit pull) or charge for the credit pull; some do both. If you sign up as a couple, you receive $50 off your first month's payment. There are no additional fees for you to worry about, but you should know that Lexington Law does not offer a money-back guarantee for its service. Note that these prices were quoted to us at the time of this review, and the price Lexington Law charges you may vary depending on your situation.
The typical program with this credit repair company lasts four months, which is less time than many other companies advertise. Remember that the time you spend working with this law firm may vary depending on the number of items you need to dispute on your credit report. On average, Lexington Law advertises that it removes about 10 items from your credit report in total, though again, you should expect your results to vary.
Remember that not every item on your credit report is given the same weight in your score. Some items that are removed from your credit could be weighed heavier than other items; it's possible to have 10 items removed from your report and have a very small score increase. On the other hand, you might have 10 items removed and gain a higher credit score increase than average, though you shouldn't necessarily expect this to happen.
The number of items this company disputes each month varies, and is proportional to the total number of disputes that need to be made for your case. Credit bureaus are required to respond to disputes 30 days after receiving them, though it may take some time to see changes on your report. You should expect to start seeing results from the disputations made by Lexington Law within 45 days.
Lexington Law offers most of the features that we looked for in our evaluation of credit repair companies. It acquires your credit score for you, saving you the hassle. It also works with your creditors in addition to the three credit bureaus, which makes it more likely that the negative items removed from your credit report will stay off. This company also offers monthly credit monitoring and identity theft protection, both of which can help you avoid needing a credit repair company in the future. This service does not offer pay for delete negotiations, however, which means that Lexington Law will not negotiate with your creditors for you to pay off your debt in exchange for the creditor removing the negative item from your credit report. You can stop working with Lexington Law at any time without penalty, as there is no contract required to work with this company.
Lexington Law's credit repair service has a low average time for its program compared to its competitors, and there is no setup fee. This company has especially informative supplemental education and helpful customer support representatives. Even though its monthly fee is more expensive than some of the other companies on our review, its features, education and customer support put Lexington Law at the top of our list of credit repair companies.