Best Review Guide / Articles / Money / Credit Repair / What is Lexington Law and what does it have to offer?

What is Lexington Law and what does it have to offer?

Kelly Avatar By: Kelly | Last updated January 12, 2021

credit repair lexington law woman wondering question marks drawn on blackboard in the background

If you’ve ever wanted to obtain something in this life, you know how important a good credit score is. Whether you need to take a loan, to land a good job, to buy a car, a house or sometimes even a phone, a bad credit score can cause you a lot of problems.  A high credit score will help you benefit from lower interest rates and it will increase your chances of obtaining credit, applying for mortgage and so on.

Unfortunately though, research shows that over 80% of all the credit reports contain some sort of error in them. That means that even though you are financial responsible, you can still have a bad credit, without necessarily being your fault.

Other times on the other hand, a bad credit score can be the result of your irresponsible or bad financial decisions. Your credit report contains a lot of information, from your personal information to your entire credit history (including loans and credit cards). Oftentimes, that report contains a lot of negative items such as charge offs, repossessions, foreclosures, late payments, bankruptcies and more. If you fail to pay your debts or rates on time, that will reflect in your overall credit score.

What is Lexington Law and what does it have to offer?

The good news is that a low credit score can be fixed, meaning you can increase it, by getting rid of all the negative items on it. The process is called “credit repair” and it is a thriving industry. There are a lot of companies that specialize in credit repair, helping you fix both the inaccuracies and errors in your report and the negative items that affect your overall score.

Lexington Law is one of the most reputable law firms in the United States and it specializes in credit repair services (among others). They solve credit related cases since 2004 and have removed tens of millions of negative items so far.

More than 500,000 people have chosen to work with Lexington Law so far.

Lexington Law is based in Utah but it operates in almost the entire country.

How does Lexington Law work?

Lexington Law has its own patented credit repair process. The first thing they offer is a free 10-minute credit consultation. You contact them via phone or email and one of their trained agents will analyze your credit situation, evaluate your score and recommend the best solution for you, depending on your specific case.

If you decide to sign up for their services, you will be assigned a professional attorney and a paralegal within maximum 24 hours and they will be the ones working on your case from the get-go and until you get the wanted results.

You will get access to an online portal and a mobile app dashboard where you can see in real-time all the updates related to your case.

Lexington Law offers discounts for family members, couples, military personnel and so on. You have to inquire on the topic, to make sure you get the best possible deal.

After your assigned attorneys and paralegals analyze your credit reports and identify the items that have to be disputed, they will start corresponding with your creditors and the credit bureaus and they will take all the necessary legal actions until the negative items will be removed from your credit report.

How much does it cost to sign up for Lexington Law’s credit repair service?

Lexington Law’s fees range from approximately $90 to $130, depending from case to case.

There are 3 plans to choose from: Concord Standard, Concord Premier, PremierPlus.

The most basic plan is Concord Standard, which offers bureau challenges and creditor interventions.

Concord Premier also offers score analysis, TransUnion alerts and more.

The most advanced plan is the PremierPlus, which also includes a FICO score tracker, identity protection, cease and desist letters and more.

In order to see improvements to your credit score, you should use Lexington Law’s credit repair services for approximately 6 months, which is the average period according to the company’s claims. Lexington Law ensures that customers can have an average of over 10 negative items removed from their report in the first 4 months.