Is Lexington Law Legit: (2023 Review)

Getting negative and inaccurate items on credit reports is very common, but the way it hurts is not hidden from anyone. Multiple credit repair companies are serving in the market; Lexington Law is one of them.

Though this company’s multiple service plans and customer ratings are vivid, some people feel concerned about its legitimacy. Do you also wonder whether Lexington Law can remove negative items from your credit reports?

Well, the answer is yes! Yes, Lexington Law is legitimate and can repair any inaccurate and negative items hurting your credit reports. Lexington is equipped with real lawyers and professional staff that always remain up to date on the changing laws about credit reporting and disputes. In short, if you want a reliable way to repair your credit report, you can confidently schedule a free consultation with Lexington Law.

The services of Lexington Law in removing late payments and collections are evident. If you want to explore Lexington Law and its services more, you can dig out this article.

Key Takeaway

  • You can contact Lexington Law through their Website and theLexington Law app from the Apple Store or Google Play Store.
  • The company offers different cost plans for different services, such as Lexington Essentials Service, $59.95, and Concord Standard Service, $99.95.
  • Similarly, the credit score time is also different according to the event. For home foreclosure, it is 3 years, but for missed/defaulted payments, it is 18 months.

How Much Does Lexington Law Cost?

The cost of Lexington Law services varies; hence, you must choose one of the credit repair plans they offer you as per your need.

They do not charge a start-up fee, but the plans may look a little expensive when you choose more services.

Plan Monthly Cost

Lexington Essentials Service$59.95
Concord Standard Service        $99.95
Concord Premium Service$119.95
Premium Plus Service$139.95

How Lexington Law Credit Repair Works?

Removal of negative items can improve your credit score. Below are steps that Lexington Law uses to repair the credit score.


Lexington Law credits repair works by researching the items affecting the credit and determining a course.


Challenge the researched items with creditors and bureaus.


Escalate some items protected by law for quick removal.

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Teach clients about all the ins and outs of credit and how to manage it wisely in the future.

How Long Does Lexington Law Take?

A bad credit score does not improve overnight; it takes time and patience. Hence, Lexington Law does not mention how long it will take to improve the score. The recovery time varies from service to service.

As per customer reviews, some of them have seen improvement in their credit score within 3 months. On the other hand, some state that there is no improvement even after six months.

The rough estimate of how much time it takes to improve the credit score after a financial setback is as follows:

EventCredit Score Recovery Time (Average)
Bankruptcy6+ years
Home foreclosure 3 years
Missed/defaulted payment18 months
Late mortgage payment (30 to 90 days)9 months
Closing credit card account3 months
Maxed credit card account3 months
Applying for credit3 months

Lexington Law is Legit: Top Most Reasons

If credit repair is your concern and you find no way to improve it, approaching Lexington Law is safe. If you wonder what features make this company a super-reliable option, read this section thoroughly.

Long Serving History

Without any doubt, Lexington Law is one of the largest firms helping people to improve their credit scores. This prestigious credit repair company has been in business since 2004 – a 19-year-long history. The company is a renowned resource for those with zero know-how about credit building or who have no time to improve their credit score.

Great Achievements Of Lexington Law

  • In 2010, the firm reached over 1 million sign-ups.
  • The company lawyers have handled around 221 million disputes and challenges till now.
  • The experienced lawyers always stay ready to assist their valuable customers. The company puts the ultimate effort into protecting customers’ credit rights and ensures the report’s accuracy.
  • Around 89% of customers have received an impressive improvement in their credit score. It is an adorable figure, indeed!
  • Many customers have observed an average rise of 40 points after contacting Lexington Law.
  • Lexington Law removed about 7 million items from the credit reports in 2020.

Lexington Law can remove the given negative items from your credit report:

  • Charge Offs
  • Collections
  • Late Payments
  • Bankruptcies
  • Judgments
  • Foreclosures
  • Repossessions
  • Liens and more
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The Services Of Lexington Law Are Proof Of Its Legitimacy

Since 2004, Lexington Law has proudly removed nearly 80 million negative items from its consumers’ credit reports. This impressive figure is proof of its legitimacy.

Easy To Approach

It is very simple and quick to contact Lexington Law. The easiest way is to visit their website. You can sign up for the services, contact client support, or log in to the dashboard. Furthermore, you can also download theLexington Law app from the Apple Store and Google Play Store.

Provide Multiple Legal Services

Since the beginning, Lexington Law always strives to help its customers through its top-notch services. They send challenge letters to credit agencies and intervention letters to creditors in the name of their customers. You can enjoy numerous services in selected states of the USA.

The popular firm helps its customers to improve their credit report that is damaged by:

  • Divorce
  • Medical Bills
  • Military Service
  • Student Debts
  • Identity Theft

Receive Many Good Reviews

Many positive reviews on renowned platforms such as Google, Facebook, Apple app store, and Google Play store prove its valuable services to clients across the USA. Besides these platforms, it also receives a 3.2-star rating on

Credit Repair Across The United States

The customer’s credit reports get affected due to many mistakes and errors. If you are also facing a bad credit score, worry not, Lexington Law can fix your credit score. The Lexington Law attorney has served various clients and removed the items that affect their credit scores. You can choose the company’s nearby store using the firm’s store locator.

You can challenge all major credit issues with the help of Lexington Law, such as tax liens, bankruptcies, late payments, and collections.

Socially Responsible Firm

Lexington Law is aware of the impact of the services on society, employees, clients, and the beloved planet. That is why the firm always strives to play its part in the betterment of the community through various means.

Some of the great initiatives of the firm include:

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Community Services:

As the firm is present in many states of the USA, the main goal is to bring positive change at the local and national levels. The team works closely with non-profit organizations such as the American Red Cross.


With the rise in climate change issues, Lexington Law also opts for sustainable ways of doing business, such as relying less on paper. It shifts its communication to clients to the digital medium.

Give Charities:

Lexington Law engages in charitable efforts and encourages its team to donate to a noble cause. The firm worked with companies such as RIP Medical Debt and YWCA (Young Women’s Christian Association).

Various Service Levels

Lexington Law serves its customers in the ultimate possible ways and offers flexible service plans.


PremierPlus service offers credit repair of every type and score coaching services that are offered with the Concord Premier and Concord Standard. With PremierPlus, you can get real-time fraud alerts and tools to manage your personal finances.

Concord Premier:

Concord Premier helps the company address your credit problems in different ways. You can get actionable alerts and credit monitoring when your credit report is being updated.

Concord Standard:

This service level works on ethical credit report repair. The company communicates with the credit bureaus and the creditors on your behalf to confirm the fair and substantiated credit reports.

What Is Negative About Lexington Law?

There are countless reasons that make Lexington Law a reliable company. The performance, serving abilities, and rating inspires everyone to contact Lexington Law on the first thought. However, this best credit repair company also has some negatives. No doubt, the pitfalls of Lexington Law are minimal and weigh much less than its favors.

  • Lexington Law is a bit pricier than its competitors, but its services pay off your bucks.
  • The company can charge extra for some additional reports, but it’s rare.

Our Summary

Lexington Law is the largest and most popular credit repair company in competition for the last 19 years.

Lexington Law is a reliable and fantastic option for people who have little understanding of credit or don’t have sufficient time to manage their own credit.

This well-known company has served various customers that have zero information about credit report improvement. Lexington Law offers countless services to its customers, and removing the negative impacts of credit reports is some of the most common services. You can also contact Lexington Law to improve your credit report positively. It is all simple, quick, and safe!