Lexington Law Review

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Do you have bad credit? Or do you want better credit? If so, Lexington Law helps thousands of people like you every year.

There is hope for people who want to improve their credit. Read on to find out if Lexington Law is a valid source for helping people repair credit or improve their credit score.

Overall Rating


Lexington Law is one of many credit repair companies that can help you improve your credit score.

  • Fees


  • Ease of use


  • Customer service



  • User friendly
  • Good customer service
  • Free credit evaluation


  • Not a quick fix
  • Confusing price tiers

Who is Lexington Law? 

Lexington Law is based out of Utah and has been around for over 16 years. John C. Heath, the company’s Directing Attorney, has a background in litigation. Under his leadership, Lexington Law has become one of the country’s most well-known firms in the credit repair industry. 

What Does the Lexington Law Credit Firm Do?

Lexington Law helps you in two main areas: repairing credit and improving your credit score. From a credit repair standpoint, they’ll help you remove unfair reports from your credit bureau. They’ll also help you remove inaccurate reports from your credit bureau. 

Also, if you have justly earned bad credit, Lexington Law will help you improve your credit record. The end goal is to help you raise your credit score. They’ve got a skilled team of certified attorneys and paralegals to work with you to accomplish your credit goals. 

How Can Lexington Law Help Me Repair My Credit or Improve My Bad Credit Score?

As mentioned, Lexington Law helps you in two ways. They’ll help you repair your credit by working with you to remove inaccurate reports and unfair reports.

In addition, they’ll work with you to take steps to overcome bad credit issues that have hindered your financial wellness. Here’s some information on how they help you accomplish those two goals. 

Working to Repair Credit

According to the firm, millions of Americans are the victims of inaccurate or unfair reporting on their credit bureau records. These inaccuracies or unfairnesses can impact a person’s credit record and score negatively.

Lexington Law says that people working to remove inaccuracies on their own are met with complicated processes and forms. When you go to them for help, Lexington Law uses a patented credit repair process to remove these unfair reports on your behalf. 

Helping You Overcome Bad Credit

Sometimes life gets complicated, and we encounter circumstances that affect our credit negatively. We miss payments due to hectic schedules or a lack of money. 

Or we can no longer make scheduled payments due to financial or other circumstances. Having bad credit–even if you earned it–shouldn’t be a life sentence.

Your credit score is based on five main factors:

  • The amounts owed on your credit cards/loans (30% of your credit score determination)
  • Your payment history (35% of your credit score determination)
  • Your credit history (15% of your credit score determination)
  • New credit accounts (10%)
  • The mix of loans and credit cards you carry (10%)

All of these factors play a part in what your credit record and credit score say about you. When you want to overcome a bad credit score, Lexington Law helps you in two ways. They work to repair your credit history when possible. And they work to help you establish new credit accounts with positive ratings.

They analyze your report and help you formulate a repair plan to remedy negative reports. For instance, they’ll help you make a plan to pay off unpaid items or remove inaccurate reports. They’ll work with your creditors to help you do this in the fastest and fairest way possible.

Also, Lexington Law will work with you to create a new plan for earning positive credit reports. By helping you eradicate negative history and create a new, healthy credit history, the company can potentially see your credit score to new heights.

What Types of Items Can Get Removed From Your Credit Report?

Note that not all negative items can be removed from your credit report. However, credit repair companies can remove specific items under certain circumstances. Here are some examples of things Lexington Law might be able to remove from your credit report. 

  • Collections
  • Late payments
  • Charge-offs
  • Liens
  • Bankruptcies
  • Repossessions

And possibly other items as well. But if the item is valid, accurate and fairly reported, it will remain on your credit report. 

If the report item is a valid report, accurate and fairly reported, it will remain on your credit report. However, that doesn’t mean you can’t improve your credit. 

By paying collection amounts that are fairly attributed to you, your credit report will reflect them as paid instead of unpaid. This will benefit your credit score in the long run. 

Other items, such as fairly attributed late payments and bankruptcies, will affect your credit less over time. Using credit repair services to establish new, responsible credit accounts will help raise your credit score as well. 

What Types of Items Cannot Get Removed From Your Credit Report?

Note that no credit repair firm can remove accurate reports from your credit bureau. If a debt report, charge-off, inquiry or other item is accurate, it has a right to stay on your report.

The challenge you may face as you analyze your credit is that you may not be able to tell which reporting items are accurate and which are inaccurate. This is where a credit repair company such as Lexington Law may be beneficial. 

Their experience and knowledge of the law gives them an advantage over the layperson. 

Can You Repair Your Credit On Your Own? 

Yes, you can repair your credit on your own. You have a right to contact reporting agencies and creditors to discuss or dispute items they’ve posted on your credit report. 

However, the specialists at firms like Lexington Law know the law regarding credit reporting. They also have experience interacting with creditors and credit reporting agencies. 

Therefore, they might be able to help you get your credit repaired faster. There are no guarantees with credit repair companies, but their experience and knowledge might benefit you with faster results.  

How Much Does Lexington Law Charge?

As expected, it does cost money to work with Lexington Law. The company has three tiers of memberships. They range in price from $89.95 per month to $129.95 per month. 

Concord Standard

The Concord Standard is the most basic plan Lexington Law offers. It costs $89.95 per month (although the website doesn’t make that entirely clear until you go to the “pricing” page). 

With the Concord Standard plan, you’ll get help with credit bureau challenges and creditor interventions. This service should be sufficient for most people’s credit situations.

Note that with the Concord Standard plan, you’ll get charged $14.99 each time Lexington Law pulls your credit to check on it. Be aware that they’ll need to pull your credit report at least monthly to check on your credit repair progress. 

However, this fee is waived with the other two plans we’re going to talk about next.  

Concord Premier

The Concord Premier plan is Lexington Law’s most popular plan. It costs $109.95 per month. Along with bureau challenges and creditor interventions, the Premier plan gives you: 

  • TransUnion credit alerts
  • ReportWatch (coaching to understand and address credit score changes yourself)
  • InquiryAssist (legal tools to confront unfair score damage from credit inquiries)
  • Credit score analysis (a detailed monthly review of your credit score)

This package works for you if you want a bit more in-depth help with credit repair. 


The PremierPlus plan costs $129.95 per month. Along with all of the options that come with the Concord Premier plan, the PremierPlus plan gives you:

  • FICO Score Tracker
  • Identity Protection
  • Personal finance tools

The FICO Score Tracker gives you a monthly report on your credit score, according to the TransUnion reporting bureau. The identity protection feature helps protect you from credit card fraud and gives you alerts if something suspicious is happening on your credit bureau.

Lexington Law works with a leading identity protection provider to give PremierPlus members this service. 

You’ll also get personal finance tools with the PremierPlus plan. These tools help you track your financial and credit accounts so you can continue to improve your financial situation. 

Military and Family Discounts

Note that Lexington Law also offers family/household discounts and military discounts as well. See the company website for more details regarding these types of discounts. 

Which Plan Should You Choose? 

As mentioned, most clients will get what they need with the Concord Standard plan from Lexington Law. If you’re looking for additional features, one of the other two available plans might be better for you. 

The staff at Lexington Law should be able to help you determine which plan is best for you. There are no contracts for plans; all Lexington Law repair plans are paid for on a month-to-month basis. And you can cancel anytime.

How Long Does Credit Repair Take? 

Lexington Law says that of their over 500,000 clients, their average client uses their plan for six months. However, every situation is different, and you might need their services for a longer or shorter time. 

The amount of time it will take you to repair your credit is based on several factors. It’s based first and foremost on how quickly you–and your credit repair service–work to identify and remedy inaccurate and unfair reports. 

Plus, raising your credit score simply takes time. As negative reports get older and positive reports become more established, your credit will improve. 

We can say with confidence, however, that credit repair isn’t usually an overnight process. The takeaway: be patient and prepared to work at earning a higher credit score.  

Lexington Law Pros and Cons 

You’ve heard a bit about the different plans offered by Lexington Law and what they can do for you. Now let’s talk about the pros and cons of Lexington Law.

Lexington Law Pros

Lexington Law has a lot of great benefits.

Professional Lawyers Who Know the Law

One of the great things about Lexington Law is that you have a legal team fighting for better credit on your behalf. Notably, I’ve tried fighting for my rights with creditors on my own and haven’t had much luck. 

You might be able and willing to confront creditors on your own. However, if you don’t have the time or know-how, you may want to pay a professional to do it for you. The team at Lexington Law knows the law and knows what creditors can–and can’t–get away with. 

Less Stress

It will likely be less stressful for you to hire a company to help repair your credit than it will for you to do it yourself. You’ll save time and stress by having someone do the heavy lifting for you. 

Great Support Services

Lexington Law will assign a paralegal professional to be your account representative as you work with them. This is nice because your account rep will know you–and know your situation. 

There’ll be no need to explain your situation from the beginning every time you have to call the customer service center. 

Lexington Law has expanded customer service hours as a benefit for clients. Instead of the usual 9-to-5, you’ll be able to contact the firm Monday through Friday from 8 a.m. to midnight. 

On weekends you can reach them from 9 a.m. to 11 p.m. All the hours are EST. The firm presents itself to be very committed to great service for its clients. 

Note that some review sites say wait times to talk to your rep at Lexington Law can be long. However, the company does have an online chat and email support if you prefer those methods over the phone call. 

Educational Resources

Another “pro” of Lexington Law is that they work hard to help educate clients in the realms of credit management and personal finance management. 

For instance, the company’s website has a blog where they post regular articles to educate and inform readers. The site is sprinkled with information on each page that helps you to understand how the credit scoring process works. 

This is a great benefit for helping you learn to take your credit score management into your own hands. 

Lexington Law Cons

We can’t write a proper review without addressing the negatives of a company. Here are some things we’re not crazy about regarding Lexington Law. 

Not BBB Accredited

Lexington Law has been in business for 26 years, but it’s not BBB accredited. The Better Business Bureau counts a company as BBB accredited when it meets the BBB accreditation standards. 

Primarily, this means the company makes a good faith effort to resolve any consumer complaints. Businesses registered as accredited with the BBB have to pay a fee for accreditation services. 

In other words, it could just be that Lexington Law isn’t interested in paying the accreditation fee. However, it could also mean that the BBB doesn’t feel the company meets its accreditation standards. 

Lexington Law does have a reporting record with the BBB, however. 

A Low BBB Score

The company’s rating with the BBB is somewhat low–it gets a “C” rating with just over two stars on average for the “review” portion of the site. (This was the rating as of October 2019.) The company has a lot of complaints on the BBB site as well; over 500. 

However, in reading the complaints, it seems that Lexington Law works hard to address and resolve them. They did respond to most of the complaints listed on the site. 

Most of the complaints centered around two subjects: a misunderstanding of the costs/fees, and of how the service works. Which leads to our next “con.” 

No Overnight Success

Here’s the truth: Credit repair companies won’t magically transform your credit record into perfection. Instead, credit repair is a process that takes time and effort from you–and from any company you work with.  

You and the credit repair company have to work together to assess any work that needs to be done. Errors require communication with reporting companies. Rebuilding credit requires time, patience, a regular use of credit and consistent, on-time payments. 

The process isn’t fast, and it typically involves time-consuming work. And it costs money for the services the credit repair company provides.  If you’re expecting anything different, you probably won’t be happy with a credit repair company’s services. 

How Can I Get in Touch With Lexington Law?

Getting in touch with Lexington Law is easy. You can go to the Lexington Law website and contact them via their contact form. 

As mentioned above, they’ve got extended customer service hours so that you can reach them most any time of the day. 


Lexington Law is one of many credit repair companies that can help you improve your credit score and remove unfair reports on your credit bureau. 

When you partner with a reputable credit repair company, you can, over time, see positive changes to your credit score and credit profile. 

Have you ever worked with Lexington Law or another credit repair company? If so, what was your experience? Or have you used other means to repair your credit? Feel free to leave us a comment!