Kara Sears
Lexington Law is a credit repair company that has been helping people fix their credit for over a decade. The company offers a free credit consultation, during which a representative will help you analyse your credit history and determine if credit repair is right for you. If you decide to enlist their help, they will work with you to dispute and remove negative items from your credit reports. Reviews for Lexington Law are mixed, with some people praising the company for helping them improve their credit and others complaining about a lack of results and high monthly fees. Ultimately, the effectiveness of credit repair services like Lexington Law may depend on the specific circumstances of each individual case.
| Characteristics | Values |
|---|---|
| Removal of negative items from credit reports | Yes, Lexington Law has helped clients remove negative items from their credit reports, including identity theft, missed payments, and old credit issues. |
| Improvement in credit score | Yes, some clients have reported an improvement in their credit score after using Lexington Law's services. However, others have stated that it took a long time or did not happen at all. |
| Cost | Lexington Law charges a monthly fee of $150, which some clients have found to be expensive and not worth the results. |
| Customer service | Opinions vary; some clients praise the professionalism and helpfulness of the staff, while others criticize the customer service as poor and difficult to cancel. |
| Timeframe | Results may take time, and some clients have expressed frustration with the length of time it takes to see improvements in their credit reports. |
| Legitimacy | There are mixed reviews, with some clients expressing skepticism about the effectiveness of Lexington Law's services and whether they deliver on their promises. |
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What You'll Learn
Lexington Law's credit repair services
Lexington Law is a credit repair company that has been helping clients fix their credit reports since 2004. The company's lawyers leverage relevant legal standards to help clients remove negative items from their credit reports.
The company offers a free online credit assessment to determine if credit repair is the right option for potential clients. If a client decides to engage Lexington Law's services, the company provides a monthly report detailing the actions taken and the companies they are working with on the client's behalf. Lexington Law also offers an app that clients can use to follow their credit repair case.
In addition to credit repair services, Lexington Law provides education on consumer rights in the credit space, helping clients understand their rights and ensure fair and accurate credit reporting.
It is important to note that credit repair services may not be for everyone. Negative items that are accurately reported on credit reports cannot be removed. Lexington Law has also faced legal issues, including a case where they were ordered to pay $2.7 billion in consumer redress and civil penalties for violating federal telemarketing laws and consumer protection laws. As a result, they are banned from telemarketing credit repair services for 10 years.
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The Lexington Law Firm app
When you first contact Lexington Law, you receive a free credit consultation. During this consultation, a Lexington Law representative helps you analyze your credit history and determine if credit repair is right for you. If you decide to enlist their help, you can sign up over the phone and immediately begin the dispute process. The app helps you follow your credit repair case.
The app has received mixed reviews. Some users have praised the app for its helpfulness and effectiveness in clearing off old credit issues and removing negative items from credit bureaus. Others have criticized the app for frequent crashes, login issues, and lack of progress in improving their credit score.
It is important to note that credit repair is a gradual process that requires time and dedication. While Lexington Law can provide guidance and support, improving your credit score ultimately depends on addressing the underlying issues, such as settling debts and making timely payments. Seeking professional help from a credit attorney or a reputable credit repair company can be beneficial, but it is essential to be cautious and informed about the process and potential outcomes.
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Lexington Law's free credit consultation
Lexington Law Firm is a trusted leader in credit repair with over a decade of experience. They offer a free credit report consultation to help you understand your rights as a consumer in the credit space and leverage those rights to ensure a fair, accurate, and fully substantiated credit report.
During the free consultation, you will receive a personalized credit consultation, a free TransUnion FICO® Score, and a free TransUnion report summary. You will also learn how to identify and fix any issues harming your credit score. Lexington Law will ask you to provide your credit report, and they will help you determine which questionable negative items are wrongfully hurting your score. They will then contact the credit bureaus and your creditors to verify these negative items as accurate and fair.
Lexington Law offers three core credit repair service levels, ranging from $99.95 to $139.95 per month. The first work fee is charged 5-15 days after engaging their services and covers the cost of setting up your account, gathering your credit information, helping you choose challenge reasons, and building a custom plan. Thirty days after this initial fee, the monthly bill for their services is charged, which includes pulling updated reports, monitoring your credit, and reviewing responses from the bureaus.
Testimonials from Lexington Law clients highlight the company's effectiveness in removing negative items from credit reports, recognizing identity theft, and providing helpful guidance throughout the process. However, it's important to note that individual results may vary, and credit repair requires active participation and a thorough understanding of the process.
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Lexington Law's credit report accuracy
Lexington Law is a credit repair company that helps clients understand their rights as consumers in the credit space. They leverage clients' rights to ensure a fair, accurate, and fully substantiated credit report. The company has helped hundreds of thousands of clients repair their credit.
Lexington Law's credit repair service disputes any inaccurate information recorded on clients' credit reports. They also provide a report analysis that gives clients tips on how to improve their credit scores by targeting the various factors that credit scoring algorithms use to calculate scores. The company also has a financial tool called DebtHandler, which helps clients manage debt according to one of three goals: credit score improvement, paying off debt fast, or saving money.
Lexington Law has been the subject of several lawsuits. The first was served by the Bureau of Consumer Financial Protection in 2019, alleging that Lexington Law and PGX Holdings ran deceptive marketing campaigns. The CFPB also alleged that the company violated the Telemarketing Sales Rule, which bans upfront fees for credit repair services before any services have been delivered.
Lexington Law has helped clients remove negative items from all three major credit bureaus. The company provides a monthly report of the work they have done and shows the names of the companies they are working with on the client's behalf. They also communicate with creditors on the client's behalf, verify report changes with bureaus, and provide timely information about changes in their reports.
The credit bureaus are required to correct or remove any inaccuracies within 30-45 days of a dispute being submitted, according to the Fair Credit Reporting Act. However, it may take longer, depending on the situation. Credit repair companies can help identify and gather the evidence needed to challenge or dispute errors and help manage and craft correspondence with the credit bureaus and creditors.
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Lexington Law's customer service
Lexington Law Customer Service
Lexington Law is a trusted leader in credit repair and has been helping clients fix their credit for over a decade. They have helped hundreds of thousands of clients repair their credit and leverage their rights to ensure a fair, accurate, and fully substantiated credit report.
When you first contact Lexington Law, you will receive a free credit consultation. During this consultation, a Lexington Law representative will help you analyze your credit history and pull a free copy of your credit report. They will also help you understand your rights as a consumer in the credit space and determine if credit repair is right for you.
If you decide to enlist their help, you can sign up over the phone and immediately begin the dispute process. Lexington Law's services include working with credit bureaus to remove negative items from your credit report, such as late payments, missed payments, and collections. They also help identify and resolve identity theft issues.
Reviews of Lexington Law's customer service are mixed. Some clients have praised the company for their helpfulness, professionalism, and effectiveness in repairing their credit. They provide monthly reports of their work and show the names of the companies they are working with on the client's behalf.
However, other reviews mention difficulties with cancelling the service, with some feeling that Lexington Law purposely takes a long time to deliver results to prolong the client's subscription. There are also concerns about the monthly fees, with some believing that the company charges too much for their services.
In addition, there have been reports of scams involving Lexington Law. The Consumer Financial Protection Bureau (CFPB) has taken legal action against the company for violating federal telemarketing laws and consumer protection laws. As a result, Lexington Law has been ordered to pay consumer redress and civil penalties, and they are banned from telemarketing credit repair services for 10 years. Eligible consumers will receive refund checks between December 5, 2024, and January 6, 2025.
Overall, while Lexington Law has helped many clients improve their credit, there are also critical reviews of their customer service and business practices. It is essential to carefully review the terms and conditions and be aware of potential scams before engaging their services.
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Frequently asked questions
Lexington Law is a law firm that helps people repair their credit. They have helped hundreds of thousands of clients and offer a free credit consultation.
Lexington Law can help you understand your rights as a consumer in the credit space and help you leverage those rights to ensure that you have a fair, accurate, and fully substantiated credit report. They also offer a free credit consultation in which they can help you pull a free copy of your credit report.
Lexington Law helps clients remove negative items from their credit reports, including from all three major credit bureaus. They also help clients understand their rights as consumers in the credit space and leverage those rights to ensure fair and accurate credit reporting.
Reviews of Lexington Law are mixed. Some customers report positive experiences, praising the company for helping them remove negative items from their credit reports and improve their credit scores. Others have criticised the company for being ineffective, expensive, and providing poor customer service. Some customers have also accused the company of purposely prolonging the credit repair process to maximise profits.
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