Lexington Law Review [2024]: Does Lexington Law Really Work?

Trying to find the best credit repair service for your needs? Lexington Law might be the solution.
Updated April 11, 2024
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Lexington Law Review

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Working with a credit repair company can be a great way to quickly improve your credit score, without having to go through the hassle of contacting the credit bureaus yourself. If you’re considering hiring a credit repair service, there are a lot of great ones out there, but the first step is to make sure you understand the services these companies offer and that the company you’re considering is a reputable one.

Although Lexington Law is one of the more highly rated credit repair agencies offering services on a national level, they’ve also had a noteworthy number of complaints filed against them. In this Lexington Law review, we’ll go over everything you need to know about working with Lexington Law so you can decide for yourself whether it’s a good fit for your credit repair needs.

In this Lexington Law review

Lexington Law plan basics

Plan name Services included Price (as of March 17, 2022)
Concord Standard
Bureau challenges
Creditor interventions
$99.95 per month, plus a one-time fee of $14
Concord Premier


Bureau challenges
Creditor interventions
Score analysis
TransUnion alerts
$119.95 per month, plus a one-time fee of $14


Bureau challenges
Creditor interventions
Score analysis
TransUnion alerts
Cease and desist letters
FICO score tracker
Identity protection
Personal finance tools
$139.95 per month, plus a one-time fee of $14

An overview of Lexington Law

Lexington Law is a credit repair firm that was started in 2004. Since then, the company has sent out more than 183 million credit disputes and challenges on behalf of its clients. In 2019 alone, Lexington Law clients had more than 1.5 million negative items removed from credit reports.

With offices in Utah and Arizona, the company serves customers in nearly all 50 states with the exception of Oregon and North Carolina. In addition to providing credit repair services, the firm also offers counseling in the areas of family law, criminal law, general consumer litigation, and some collection defense on behalf of consumer debtors.

Unlike other credit repair companies, Lexington Law leverages technology to yield more timely results for its clients. One example of this is that the company relies on digital partnerships with credit bureaus whenever possible, rather than exclusively using traditional mail, which allows it to move more quickly in disputing credit report errors. Another way the company leverages more modern solutions is with its mobile app, which allows customers to quickly check on the status of their credit scores and any ongoing disputes from anywhere.

However, Lexington Law has recently been involved in a $3.1 billion lawsuit first brought by the Bureau of Consumer Financial Protection (CFPB) in 2019, and the district judge recently ruled in favor of the CFPB's motion that Lexington Law was in violation of the Telemarketing Sales Rule (TSR). There has also been a sudden round of layoffs across several states.

What credit repair services does Lexington Law offer?

As with most credit repair services, the company starts its investigation by obtaining copies of your credit reports and analyzing them for errors or questionable items. If it finds anything worth disputing, it then reaches out to the credit bureaus on your behalf.

Sometimes this part of the process requires a bit of back and forth between Lexington Law and the credit bureau in question. In the interim, you can check the status of your disputes and your credit score through the Lexington Law online portal or mobile app.

According to the website, most clients spend six months working with the company.

Because credit repair companies can never offer a guarantee that their services will improve your credit score, it’s a good idea to have a basic understanding of your score before working with one. If you have a rough idea of where you need help with your credit, then you’ll have a better chance of picking the right level of credit repair service to achieve your goals.

Lexington Law offers three tiers of service so you can pick the right one for your needs. Here’s a rundown of each plan:

Concord Standard

This basic plan includes standard credit repair services such as bureau challenges and creditor interventions. Essentially, the company will challenge any errors it finds and intervene on your behalf.

This plan starts at $99.95 per month, with the first payment being collected five days after entering into a service agreement with the company. Payments are withdrawn every month thereafter until you choose to cancel your plan. The company also charges a one-time fee of $14 to cover the initial inquiries into your credit reports.

Concord Premier

This middle-tier plan offers everything in the Concord Standard plan plus several services found in the highest tier of plans. These additional services include score analysis, TransUnion fraud alerts, and the company’s patented InquiryAssist and ReportWatch.

Although these first two services are pretty straightforward, you may be wondering about the two patented services:

  • InquiryAssist keeps track of every hard inquiry an outside company, such as a lender, pulls on your behalf. Because too many hard inquiries can lower your credit score, this service works to help you track and potentially remove hard inquiries that are unauthorized.
  • ReportWatch is a tool that racks ongoing changes in your credit score. This tool also categorizes these changes into good, bad, or neutral, and sends alerts to you whenever one occurs.

This middle-tier plan starts at $119.95 per month, plus a one-time fee of $14.


The most advanced plan, Premier Plus offers everything on the lower plans plus services, such FICO score tracker, identity protection, personal finance tools, and cease-and-desist letters. According to Lexington Law, this is their most popular plan.

Lexington Law states that the services listed in this plan provide additional and more rigorous monthly challenges and disputes, which may help customers reach their credit score goals faster.

This plan starts at $139.95 per month, plus the one-time fee of $14.

Plan discounts

If you choose to work with Lexington Law, you may be eligible for one of their discounts. The company offers 50% off the first month for veterans and active military. There is also a first month 50% family or household discount available when both you and your spouse sign up.

What we like about Lexington Law

  • Mobile app: With access to both iOS and Android apps, Lexington Law customers can easily track the progress of their disputes and any changes in their credit score.
  • Discounts: As previously mentioned, you may be eligible for a military or household discount when signing up for a plan with Lexington Law.
  • Easy cancellation policy: According to Lexington Law, most customers stick with the company for several months. But if you decide you no longer need its services, you can easily cancel your plan at any time.

What Lexington Law could improve

  • Not BBB accredited: In addition to not being an accredited BBB business, Lexington Law scores only a little over two out of five stars in BBB customer reviews. Although this doesn’t mean you should automatically rule it out, you should always proceed with caution when it comes to any financial service you consider purchasing.
  • No satisfaction guarantee: Unlike other credit repair companies, Lexington Law doesn’t offer any sort of satisfaction guarantee. This means you could go several months using its service without seeing any changes, and then be unable to get your money back. Other companies do offer satisfaction and/or money-back guarantees.
  • Expensive: Compared to other credit repair companies, the plans provided by Lexington Law are more expensive.

What Lexington Law customers are saying

Lexington Law has had numerous complaints filed against them, both via the Better Business Bureau and the CFPB. As mentioned earlier, the court recently ruled in favor of the CFPB's motion that Lexington Law was in violation of the TSR.

Although some Lexington Law customers remain happy with the services provided by the company (you can see customer reviews on the Lexington Law website), the C rating on BBB is still worth considering.

As always, be sure to do your own research and due diligence before working with any credit repair company in order to decide what’s best for you. If you are experiencing financial difficulties and problems with how to manage your money, you want to make sure the money you’re paying a credit repair company is going to good use.

FAQs about Lexington Law

Is Lexington Law safe?

Lexington Law is a legitimate business offering credit repair services. You should be aware that Lexington Law is not an accredited BBB business, and there is an active lawsuit against it, filed by the Consumer Financial Protection Bureau. That said, as of writing this, the company has worked with more than 500,000 clients.

Does Lexington Law really work?

Although no credit repair company can promise you total success, Lexington Law seems to have some amount of happy customers who found the service helpful in improving their credit score.

How much is Lexington Law per month?

Lexington Law offers three different credit repair service plans that range in price from $99.95 to $139.95. Each plan also has a one-time fee of $14 to get started.

How long does it take Lexington Law to start working?

Lexington Law will collect payment from you within five days of signing up, and it will start working on your credit reports from the moment you make contact. As far as the time it takes to see improvements in your credit score, the company states that clients work with them for a period of six months on average.

Bottom line

When it comes to credit repair services, you have a lot of options at your fingertips. You could work toward repairing your credit score yourself or you could hire one of the best credit repair companies to do it for you. Either way, it’s never been easier to fix errors and disputes that are dragging down your credit score.

Lexington Law provides credit repair services that are possibly faster than those provided by other agencies because of their modern and tech-savvy approach. But the company also has several noteworthy red marks against it. Be sure to do your own research before hiring any credit repair agency, including this one.

Disclaimer: All rates and fees are accurate as of March 17, 2022.

Author Details

Larissa Runkle Larissa writes for FinanceBuzz and divides her time between a cabin in the San Juan Mountains and traveling in a van. She enjoys writing about travel, debt relief, personal loans, and mortgages. Her work has been featured on MagnifyMoney, LendingTree, and Realtor.com. Outside of finance and real estate writing, she’s also at work on several fiction projects. When away from the computer, you’ll find her reading, exploring local trails, and climbing rocks.

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