What is credit repair?

Credit repair is the process of increasing your credit score. This involves correcting errors on your credit report with the three credit bureaus and building a better credit history.

How long does credit repair take?

The amount of time needed to improve your credit score depends on why your score is low. For example, inaccuracies on your credit reports can be disputed and removed quickly, while other issues like bankruptcies will take years to fall off. According to Lexington Law’s data, 77 percent of its clients saw an average credit score increase of 40 points within the first six months of services.

Can I repair my credit myself?

If you have time to contact the credit bureaus yourself, you can dispute errors on your credit report without the assistance of a credit repair company. You can also work on repairing your credit over time through strategies like making on-time payments and keeping credit utilization low.

Advertiser Disclosure

Lexington Law Credit Repair review

Written by

Amanda Garland

Edited by

Aylea Wilkins

Reviewed by

Thomas Brock, CFA, CPA

Edited by

Aylea Wilkins

Reviewed by

Thomas Brock, CFA, CPA

Updated December 16, 2024

On This Page

Best for: Free resources

Lexington Law Credit Repair

4.1

Learn more

First payment fee: $0
Monthly fee: $139.95
Money-back guarantee: None
Maximum number of challenges: 6 per cycle to both Equifax and TransUnion, 3 per cycle with Experian, and 3 creditor interventions
Types of letters to creditors/bureaus: Intervention letters

*Often referred to as a first-work or set-up fee by other companies
Pros

Free resources: Lexington Law offers a well-organized library of articles to help you fix, improve and build your credit.

Free assessment: No payment is due for the first five days, and you can pick your first payment date.

Identity theft insurance: Many competitors charge extra for this service or don’t offer it.

Family and military discount programs: Active military service members and veterans, as well as spouses of active Lexington Law customers, can take 50 percent off the cost of the first payment with the military discount.
Cons

No money-back guarantee: Some credit repair companies offer a refund if they cannot improve your credit score within a specific period. Lexington Law offers no such guarantee.

Limited challenges: Some credit repair companies offer unlimited or more challenges to creditors, while Lexington Law offers a certain amount within each cycle.

Founded in 2004, Lexington Law is one of the most well-established companies in the credit repair industry. It specializes in disputing inaccurate negative items on your credit reports using a customized strategy tailored to your needs. The “Law” part of the name isn’t just for show — the company is staffed by attorneys, paralegals and other credit repair experts.

Lexington Law offers a free credit assessment and one simplified credit repair package. While services are pricier than some competitors, you get a full-featured package that includes identity theft protection, credit monitoring, a library of educational resources and a team of consumer protection law experts to help you achieve your credit goals.

Lexington Law services

A legal team backs Lexington Law’s credit repair services to ensure every possible resource is used to correct the errors on your credit report. This group of experts is familiar with all the consumer protection laws available, and Lexington Law even has contractual agreements with multiple credit bureaus.

Lexington Law offers one straightforward credit repair package that includes:

A free credit assessment with no charge until five days after you sign up.
Personalized strategies for improving your credit score
Challenges to all three credit bureaus (up to eight challenges per cycle to TransUnion and Equifax, plus up to three challenges per cycle to Experian)
Creditor intervention letters (up to three per cycle)
Identity theft insurance (up to $1 million)
Credit monitoring with monthly TransUnion FICO scores

What Lexington Law does not cover

As with any reputable credit repair service, Lexington Law cannot challenge accurate negative marks on your credit history.

Furthermore, while Lexington can provide guidelines to help you improve your credit score, such as making payments on time and lowering your credit usage ratio, the company cannot manage these tasks for you.

Credit repair packages

Lexington Law currently offers only one credit repair service package. For $139.95 per month, you get the entire range of services.

However, Lexington Law does offer focus tracks to help customers get the kind of customized services they need. Focus tracks include:

Divorce: This track is to help separate financially from a former spouse, including removing negative items that should have been attributed to them.
Identity theft: Lexington Law can help you remove negative, inaccurate items that were added to your credit reports because of identity theft. You can also get help closing any fraudulent accounts.
Military service: If you haven't received the federal protections you are entitled to as part of your military service, Lexington Law can help.
Medical: Federal laws are available to help people with bad credit due to medical debt. Lexington Law can help you navigate those laws.
National emergency: Lexington Law looks at relief opportunities available to you during national emergencies like the COVID-19 pandemic.
Student loan: This track helps people with negative credit reporting tied to student loans and student loan repayment.

Regardless of your focus track, you will receive expert guidance in addressing all the potential errors causing negative marks on your credit.

Additional features

Lexington Law offers a few additional features that may make its service appealing to those in need of credit repair.

Choose your payment date

When you sign up for services, you will have the option of choosing your first payment date. This date can be anywhere from five to 15 days after the day you signed up. It will be your first payment date and the date your ongoing monthly payments will be due.

Educational library

You can find useful articles about building, fixing and improving your credit on Lexington Law’s credit help page.

Mobile app

Monitor your credit score's progress from your phone with the Lexington Law Credit Repair app.

Lexington Law’s accessibility and availability

Lexington Law serves nearly all states in the U.S. and has standard service hours for the credit repair industry.

Availability

Lexington Law currently serves all U.S. states except Oregon.

Contact information

There is no phone number published on Lexington Law’s contact page. However, customers can log in for client support, and anyone can chat with an agent online. Service hours are Monday through Friday from 7 a.m. to 4 p.m. MST.

You can also follow Lexington Law on its social media accounts:

Facebook: @lexingtonlawfirm
Instagram: @lexingtonlaw
X: @lexingtonlaw

Lexington Law customer experience

Lexington offers customer-friendly services like an easy sign-up process, straightforward pricing and a monthly subscription you can cancel at any time. However, customer experience largely comes down to results. Customers are generally satisfied when they see their credit score improve but frustrated when it doesn't.

Contract duration

Lexington Law does not require a contract. You can cancel anytime to avoid being charged for the next month. Additionally, you have five business days (or more, depending on laws in your state) from the day you sign up to cancel without any obligation. If you cancel partway through the month, you may be charged a prorated fee for services already performed.

Customer and third-party reviews

Online customer reviews can give you an idea of what a credit repair company offers. Thousands of customers have left feedback and reviews for Lexington Law:

Better Business Bureau rating: Lexington Law is not currently BBB Accredited, and no ratings are available. Because companies have to pay for BBB accreditation, a lack of BBB status is not necessarily a red flag.
Consumer Affairs average rating: 3.8 stars with 2,294 reviews
Google Reviews average rating: 4.2 stars with 4,224 reviews
Trustpilot average rating: 2.4 stars with 592 reviews

*Review information is accurate as of December 16, 2024.

Lexington Law has many positive reviews from satisfied customers who were pleased with the expert guidance and credit protection they received, along with a noticeable increase in their credit scores. However, there are also a fair number of complaints about the price, communication and lack of credit score improvement.

It’s important to note that credit repair is not a guarantee. Credit repair companies can only send legal notices to credit bureaus to remove incorrect information; they can’t remove the inaccuracies themselves. Credit repair also depends on consumers, who need to pay bills on time and use credit responsibly to see their scores improve over time.

Lexington Law has many reviews from satisfied customers who confirm that their credit scores were improved thanks to the company's interventions. There are also a fair number of complaints that the service did not improve their credit score and was, therefore, a waste of money. However, it’s important to note that credit repair is a joint effort. Credit repair companies can send legal notices to credit bureaus to remove incorrect information, but consumers need to continue paying bills on time and using credit responsibly to see an improvement over time.

Legal

While no current legal complaints are pending against the company, Lexington Law has been the subject of previous litigation.

Lexington Law settled with the Minnesota Department of Commerce amid allegations of operating without proper state registration.
The Consumer Financial Protection Bureau (CFPB) reached a $2.7 billion settlement with a group of companies operating credit repair brands, including Lexington Law and CreditRepair.com. Following the court’s ruling, Lexington Law issued a statement confirming that it was not in legal violation and remains dedicated to advocating for its clients.

How Lexington Law compares

Lexington Law vs. CreditRepair.com

CreditRepair.com offers many of the same pros and cons as Lexington Law: no first payment (setup) fee, ID theft insurance included, no money-back guarantee and the same recent legal issues. CreditRepair.com offers a lower price than Lexington Law for its basic package, but that package doesn't include everything Lexington Law does.

Lexington Law vs. Credit Saint

Credit Saint offers three service packages ranging from $79.99 to $139.99 per month, with the $109.99 Credit Remodel plan being the most similar to Lexington Law’s suite of services. Credit Saint also offers a 90-day money-back guarantee for those unsatisfied with its service and features unlimited disputes with its top-tier service package. The downside is that Credit Saint charges a first work fee of $99–$195, and identity theft protection is unavailable.

Lexington Law vs. The Credit Pros

Compared with Lexington Law, The Credit Pros offers a broader range of services. The Credit Pros’ Build Credit plan provides features to help you improve your credit, such as a bill reminder system, debt-payoff plan and TransUnion fraud alerts for $69 per month, but it does not include any credit challenges. For the services more commonly associated with credit repair, you would need to choose the $129 per month Repair Credit plan. Unlike Lexington Law, The Credit Pros offers a 90-day money-back guarantee.

Methodology

How Bankrate rates Lexington Law

Overall score	4.1
Services	3.6	Lexington Law offers limited disputes and fewer additions than some competitors.
Affordability	4.3	The monthly fee is higher than with several competitors.
Customer service	4.3	Lexington Law provides several options for customer contact.
Expertise/Effectiveness	4.3	Lexington Law has generally high customer service ratings and has been in a business a long time.

To evaluate the best credit repair companies, the Bankrate team evaluated the following factors:

Affordability: We looked at the overall affordability of the company, including start-up fees, late fees and monthly fees.
Customer service: To evaluate customer service, we considered factors such as customer service hours, the number of support channels, the prevalence of disclaimers and the number of states available.
Expertise and effectiveness: Companies were scored based on factors including number of years in the business, customer ratings, the average score improvement and if the company has experienced legal issues in the past.
Services: Credit repair companies were evaluated based on the number and types of services offered. We look at whether companies offer services such as identity theft monitoring, the number of disputes per month, credit score monitoring, education and debt trackers to evaluate how each company's services compare.

Frequently asked questions

Credit repair is the process of increasing your credit score. This involves correcting errors on your credit report with the three credit bureaus and building a better credit history.
The amount of time needed to improve your credit score depends on why your score is low. For example, inaccuracies on your credit reports can be disputed and removed quickly, while other issues like bankruptcies will take years to fall off.

According to Lexington Law’s data, 77 percent of its clients saw an average credit score increase of 40 points within the first six months of services.
If you have time to contact the credit bureaus yourself, you can dispute errors on your credit report without the assistance of a credit repair company. You can also work on repairing your credit over time through strategies like making on-time payments and keeping credit utilization low.