Lexington Law is a legitimate and established credit repair law firm with over 20 years of history. It helps clients by challenging inaccurate, unsubstantiated, or unfair negative items on their credit reports to improve credit scores. The company offers one main service plan that costs around $119.95 to $139.95 per month, which includes bureau disputes, creditor interventions, credit score analysis, and identity theft protection benefits. Clients receive an initial consultation and ongoing assistance with disputing credit report errors. However, reviews are mixed; some customers report positive experiences with credit improvement, while others criticize the high cost, slow results, and disputed effectiveness compared to disputing errors yourself for free. Lexington Law has also faced lawsuits accusing it of deceptive marketing and practices, though it continues to operate.
Customer Reviews
- Positive reviews praise Lexington Law's professional staff and helpful credit repair outcomes.
- Negative reviews highlight issues like expensive fees, lack of significant results, delayed responses, and repeated charges without visible improvements.
- Some customers suggest they could achieve similar results by disputing errors themselves at no cost.
Legal Issues
- Lexington Law has been sued by the Consumer Financial Protection Bureau and state authorities for alleged deceptive practices, including charging upfront fees before delivering services.
- The company or its parent has declared bankruptcy in 2023 following legal judgments and penalties.
Services and Pricing
- Monthly fee around $120-$140, no free trial but a free credit assessment is offered.
- Disputes with credit bureaus, credit interventions, inquiry assists, score monitoring, and debt management tools.
- Only one plan available.
In summary, Lexington Law is a reputable credit repair firm with legal backing and experienced staff but with notable controversies and mixed customer satisfaction. Customers should carefully evaluate the cost-benefit and consider DIY credit dispute alternatives before committing to the service.
