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Lexington Law Credit Repair Review
By Victor Rosario MONEY RESEARCH COLLECTIVE
Lexington Law Firm provides credit repair services managed by attorneys, paralegals and credit advisors. Their team challenges inaccuracies in your credit reports with Experian, TransUnion and Equifax, using creditor interventions to ensure the information in your reports is correct.
While you can repair your credit independently, professional assistance might be beneficial if you’re struggling to remove incorrect information. Ensuring your credit report is accurate is crucial for improving your credit overall.
Read on to explore how Lexington Law Firm’s credit repair plans could help you on the path to improve your credit.
Table of contents
- Lexington Law’s credit repair services
- Lexington Law’s credentials
- Lexington Law’s accessibility
- Lexington Law’s customer satisfaction
Lexington Law credit repair overview
Pros
- Offers one streamlined credit package at the competitive price of $139.95
- Free assessment and credit analysis to help guide your package choice
- Long-standing company operated by attorneys and paralegals
Cons
- No guarantee your score will improve
- Settled a lawsuit filed by the CFPB that alleged it collected advance fees illegally through telemarketing
Lexington Law Firm has specialized in credit repair services since 2004 and operates offices in West Valley City, Utah, and Phoenix, Arizona. As of this review, Lexington Law’s team consists of approximately a dozen in-house lawyers and a network of “of-counsel” lawyers.
Lexington Law’s credit repair services
Lexington Law offers a single credit repair package priced at $139.95. You can contact the firm through their website to sign up for services. Once enrolled, clients may communicate with Client Service representatives via phone, text, email or live chat.
The firm’s services include disputing unfair or inaccurate credit report items with the three nationwide consumer reporting agencies, sending creditor intervention letters and providing up to $1M in identity theft insurance. Personalized strategies to enhance your credit score are also part of the service.
Lexington Law also examines your credit report for unauthorized accounts, duplicates, fraud and missing accounts that could positively affect your score.
What Lexington Law offers
- Identification of negative items and possible challenges – Lexington Law identifies inaccuracies and unverifiable information on your credit report.
- Creditor interventions – The team challenges inaccurate or unverifiable information with credit bureaus and creditors.
- ID Theft Insurance – This identity theft protection service provides an ID theft insurance policy with coverage of up to $1 million.
- Educational resources – Blog posts and materials keep clients informed to help them understand credit reporting and maintain healthy credit.
What Lexington Law doesn’t offer
- Guarantee of credit score improvement – The firm cannot legally guarantee that your credit score will improve, even if negative items are found and removed from your report.
- A maximum time frame for results – There is no promised time frame for results; the duration depends on the number of negative items and responses from credit bureaus.
- Removal of accurate information – Legitimate negative marks, like recent credit card debt or late payments, cannot be removed through credit repair.
- Guarantee that negative items won’t reappear – Negative items may reappear, although the Fair Credit Reporting Act mandates prior notification.
- Refunds – Lexington Law offers no money-back guarantee.
Lexington Law’s credentials
Lexington Law is a law firm focused primarily on professional credit repair services, but also practices in other areas like family law, criminal law and general consumer litigation.
More information about Lexington Law’s company makeup can be found below.
Licenses and registration
Lexington Law’s website lists multiple attorneys and paralegals working directly for the firm in addition to other attorneys who are described as being of counsel to the law firm.
Many attorneys are licensed to practice law in several states and have experience in areas such as corporate compliance, insurance, criminal litigation and bankruptcy. Some have worked with major credit rating agencies and credit reporting agencies.
Awards and certifications
No industry awards or certifications were found for Lexington Law. The firm is not listed with the National Association of Credit Services Organizations, which provides Standards of Excellence seals.
Third-party ratings
The credit repair company lacks official ratings or third-party evaluations from reputable sources.
Regulatory or legal actions
In May 2019, the Consumer Financial Protection Bureau (CFPB) filed a complaint against PGX Holdings, Inc., Progrexion Marketing, Inc., Progrexion Teleservices, Inc., CreditRepair.com, Inc., eFolks, LLC, and John C. Heath, Attorney at Law PC (Lexington Law).
The CFPB alleges these entities charged upfront fees in violation of the Telemarketing Sales Rule and used deceptive marketing practices, violating the Consumer Financial Protection Act. The lawsuit was filed in the U.S. District Court for the District of Utah. In 2023, a $2.7M settlement was reached, banning the companies from telemarketing for 10 years.
Lexington Law’s accessibility
There are multiple ways to contact Lexington Law if you want to sign up for one of the firm’s credit repair packages or speak to a representative about its services.
Availability
Lexington Law renders services in all US states except Oregon. The law firm has two physical offices: one in West Valley City, Utah, and the other in Phoenix, Arizona.
Lexington Law’s offices are open during the following days and times:
- Monday – Friday: 7 am to 4 pm MST
- Saturday and Sunday: Closed
Contact information
Consumers may contact Lexington Law via one of the following communication channels:
- Fill out the signup form or use the feedback form
- Email Lexington Law at info@lexington.com
- Communicate with Lexington Law via the firm’s app for iPhone or Android
User experience
Signing up for Lexington Law’s services is a straightforward process through their online form or app. Note that submitting personal information consents to further contact from Lexington Law. To opt out later, inform a representative or use the unsubscribe form on its website.
Limitations
The firm’s website and app are available 24/7. However, this does not necessarily mean its representatives are available at all times.
Lexington Law’s customer satisfaction
On Trustpilot and the Better Business Bureau (BBB) sites, customer reviews for Lexington Law Firm’s credit repair service range from extremely positive to very negative.
Customer complaints
Some clients have reported dissatisfaction and called the service a scam due to a lack of results. Others have complained about unsolicited contact from the firm despite not having signed up for communications.
Third-party ratings
Multiple consumer review sites have listings for Lexington Law. Below are the three examples.
- Trustpilot: 2.4 out of 5 stars
- BBB: Currently being updated (as of September 20, 2024)
- Google: 4.2 out of 5 stars (for their West Valley City office)
Lexington Law FAQs
Does Lexington Law credit repair actually work?
Lexington Law works to identify and correct unfairly reported or inaccurate information in your credit history but cannot guarantee improvements to your credit score.
Does Lexington Law really remove charge-offs?
Lexington Law may be able to remove charge-offs and other derogatory marks depending on their legitimacy.
What are the benefits of Lexington Law?
Professional credit repair services like those from Lexington Law can simplify the complex process of disputing negative credit marks.
What is the difference between Lexington Law and other credit repair companies?
As a well-established law firm with attorneys and paralegals specializing in credit repair, Lexington Law offers a legal perspective that many other credit repair companies may not.
How we evaluated Lexington Law
We reviewed Lexington Law’s website, customer feedback from BBB and Trustpilot, and information from the Consumer Financial Protection Bureau. While we strive to include accurate and current details, we recommend conducting your own research as well.
Summary of the Sacramento Bee’s Lexington Law review
Lexington Law, specializing in credit repair since 2004, employs experienced attorneys and paralegals. Reviews of its services are mixed, with some customers expressing dissatisfaction with the results while others say they are pleased with the service provided.
