Anaya Nolan
Lexington Law is a credit repair firm that assists clients in addressing inaccurate or questionable items affecting their credit score. The firm offers a free credit assessment to new clients, after which they proceed to challenge credit report items like duplicate accounts and fraudulent accounts. The firm has received mixed reviews, with some clients praising their ability to remove negative items from credit reports and improve credit scores, while others have complained about lack of results, difficulty in cancelling, and hidden charges. In 2024, Lexington Law was also ordered to pay $2.7 billion in consumer redress and civil penalties for violating federal telemarketing laws and consumer protection laws.
| Characteristics | Values |
|---|---|
| Service | Credit repair |
| Cost | $139.95 per month |
| Initial payment | $0 upfront |
| First payment | $139.95 after 5-15 days from the start date |
| Billing | Invoiced at the end of each service period for completed work |
| Cancellation | Services can be cancelled at any time |
| Customer support | Available via web chat |
| Number of removals | Over 83 million items removed from clients' credit reports since 2004 |
| Average customer stay | 6 months |
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What You'll Learn
A free initial credit assessment
Lexington Law Firm offers a free initial credit assessment to prospective clients. This assessment provides a summary of your credit analysis, and you will also gain access to your credit reports, with guidance from Lexington Law attorneys. This process is secure and will not harm your credit score.
The firm will then identify and challenge negative items on your credit report, such as duplicate or fraudulent accounts and inquiries. They will also address inaccurate, unsubstantiated, unfair, or questionable items that may be wrongfully hurting your score. Lexington Law works with all three major credit bureaus to ensure a thorough and comprehensive approach to credit repair.
Lexington Law has a team of experienced lawyers, paralegals, and credit consultants to support you throughout the process. They offer a variety of service levels, with the strength and amount of credit repair increasing with each upgrade.
The firm has been in operation since 2004 and has helped clients see over 83 million items removed from their credit reports. Reviews from clients highlight the firm's effectiveness in improving credit scores, removing negative items, and providing guidance in cases of identity theft.
While Lexington Law offers a free initial credit assessment, their monthly service comes at a cost of $139.95, with no upfront costs. You can cancel the service at any time.
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Help with removing negative items from credit reports
Lexington Law Firm is a credit repair company that assists clients in addressing inaccurate, unfair, or questionable negative items affecting their credit score. The company leverages the law to help improve clients' credit reports and addresses new credit issues as they appear.
Lexington Law offers a free online credit assessment to new clients, which includes a summary of their credit analysis. The firm then challenges negative items on credit reports, such as duplicate or fraudulent accounts and inquiries. They send attorney-written letters to clients to send to creditors and handle additional correspondence if needed.
The company has helped clients remove over 77 million negative items from their credit reports since its founding in 2004, with one client reporting an improvement of 22 points on their credit score. However, results may vary, and some clients have reported dissatisfaction with the time taken to see improvements.
Lexington Law charges a monthly fee of $139.95 for its services, with no upfront costs. Clients can cancel the service at any time. The company provides support through web chat and billing at the end of each service period.
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Support from credit consultants
Lexington Law is a credit repair firm that assists clients in addressing inaccurate or questionable items affecting their credit score. The firm's credit consultants provide support via web chat to answer any questions about a client's credit, the status of their case, or any changes to their account.
Lexington Law offers a free online credit assessment to new clients, which includes a summary of their credit analysis. Once a client, you will have access to your credit reports, which Lexington Law will assist you with. The firm then proceeds to challenge credit report items like duplicate accounts and fraudulent accounts. If you have fraudulent inquiries on your credit report, Lexington Law will provide attorney-written letters for you to send out yourself. In cases where items require more than a challenge letter to be removed, Lexington handles additional correspondences with creditors.
Lexington Law's services are ideal for those who have, or suspect they have, errors in their credit profile. The firm leverages the law for your credit, addressing new credit issues as they appear. The firm's trusted attorneys help fix your credit report, and work to remove inaccurate items from your credit history to improve your overall score.
Since 2004, Lexington Law Firm clients have seen over 83 million items removed from their credit reports. The firm has received positive reviews from clients who have seen improvements in their credit scores and have been able to achieve their credit goals, such as qualifying to purchase a home.
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$18.9
Attorney-written letters to creditors
Lexington Law Firm is a credit repair company that assists clients in addressing inaccurate or questionable items affecting their credit score. The company has a team of trusted attorneys who help fix your credit report.
Lexington Law Firm offers attorney-written letters to creditors as part of its services. These letters are typically provided to clients who have fraudulent inquiries or other inaccurate information on their credit reports. The letters are meant to be sent by the client themselves to the relevant creditors.
The content of these letters can vary depending on the specific situation, but they generally serve to dispute or challenge the accuracy of the debt and request verification. For example, if a client has a fraudulent account or a debt that they do not believe they owe, Lexington Law Firm may provide a letter stating something along the lines of:
> "On [date], a debt collector with your agency contacted me regarding a debt that he says I owe. According to the agency, I owe $ [amount] to [creditor name] on [account number]. As I have explained, I do not believe I owe this debt because [reason, e.g. the account is not mine, the debt has already been paid, etc.]. Therefore, I am exercising my legal rights under the Fair Debt Collection Practices Act by requesting written verification of the debt and asking that you not contact me about this debt again. I expect that the next time someone with your agency reaches out, it will be to provide the written proof I have requested."
It's important to note that while these letters can be an effective tool, some items on credit reports may require more than a challenge letter to be removed. In such cases, Lexington Law Firm handles additional correspondences and interventions with creditors.
Overall, Lexington Law Firm's attorney-written letters to creditors can be a valuable tool for clients seeking to dispute inaccurate or fraudulent information on their credit reports.
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Monthly billing
Lexington Law Firm offers monthly billing for its credit repair services. The monthly fee is $139.95, and there is no upfront cost. The first payment of $139.95 is due 5-15 days after the start date.
The firm helps clients fix their credit reports by removing inaccurate, unfair, or unsubstantiated negative items. They also assist with fraudulent inquiries on credit reports, providing attorney-written letters for clients to send out themselves. Lexington Law will also handle additional correspondences with creditors if needed.
The firm has been the subject of consumer protection enforcement actions by the CFPB, which alleged that they illegally charged upfront fees and engaged in deceptive advertising. However, Lexington Law has also received positive reviews from clients who have seen improvements in their credit scores and successful removals of negative items from their credit reports.
Lexington Law offers a free online credit assessment for prospective clients to determine if credit repair is the right option for them. The firm also provides ongoing support via web chat for any questions or concerns related to an individual's credit, the status of their case, or changes to their account.
It is important to note that credit repair may not be for everyone, and results may vary. While some clients have reported positive experiences, others have expressed dissatisfaction with the firm's services and cancellation process.
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Frequently asked questions
Lexington Law is a credit repair firm that assists clients in addressing inaccurate or questionable items affecting their credit score.
Lexington Law helps ensure clients have a fair, accurate and verifiable credit report. They seek updates for inaccurate, unsubstantiated, unfair or questionable negative information.
Lexington Law costs \$139.95 per month, with \$0 upfront. You can cancel services anytime.
Reviews are mixed. Some customers praise Lexington Law for helping improve their credit score, while others complain about lack of results and difficulty cancelling the service.
First, you can take a free online credit assessment on their website. Then, Lexington Law will challenge credit report items like duplicate accounts and fraudulent accounts, and provide attorney-written letters for you to send to creditors.
