Lexington Law is a law firm and credit repair firm that helps people question items on their credit report to increase their score. Like all credit repair companies, Lexington Law does nothing to fix your credit that you cannot do yourself, but it is a reputable company that can make credit repair easier and less frustrating if you are on a tight schedule or I just don't want to take on the credit repair job alone.
The Importance of Française Credit Repair |
Your credit score is extremely important: whether you get a credit card, a mortgage for your dream home or even a job, rented home or utilities, you can trust your credit. If you don't have what lenders consider a good credit score, you may be looking at higher interest rates (and more expensive debt) than you otherwise would be. And if you don't hit that good number, you may not be able to get a loan. In fact, according to Equifax, one mistake can lower your score by 110 points - and those points can mean the difference between being approved or denied a loan.
As if that wasn't enough, your credit score could drop even if you never make a single financial mistake. You can have an impeccable payment history and excellent credit utilization for decades and your score will be lowered due to fraud or inaccurate negative items. Credit repair services like Lexington Law can help you fight these issues, salvage your score, and take control of your life again.
Lexington Law Credit Repair Services Française |
Lexington law credit repair services are available to most Americans. You can find out if your state is covered by calling 844-346-3403. The firm's attorneys and staff are experienced in a wide range of credit repair tasks and work with each client to produce a fair and accurate credit report - which will hopefully lead to a higher credit score in the future. They also provide some guidance to help customers understand how to proactively protect and improve their credit scores in the future.
What does Lexington's Law do
Although Lexington Law is a full-service law firm in Utah and Arizona, the law firm has years of experience in providing credit repair services. See what Lexington Law is doing:
- Analyze your credit report. The legal team obtains your submissions in a way that is not considered a difficult inquiry and does not affect your score. You will work with the team to identify questionable negatives that may be inaccurate, unfair, or unsubstantiated.
- Face dubious negative elements. Once an action plan has been drawn up, Lexington's legal team sends appropriate correspondence to agencies and organizations on your behalf, challenging the inaccuracies and requesting that they be substantiated or removed from your report.
- Scale challenges. By providing materials to support your claim, the company will continue to correspond and escalate matters, always keeping your credit rights at the forefront of the fight for accurate information in your claim.
- Provides analysis and guidance. By partnering with Lexington Law, you get 24/7 access to an online portal where you can find the company's credit analysis, as well as other resources to help you achieve your goals.
When should you ask for help from Lexington Law?
There are several reasons why you should work with Lexington Law. The company is one of the most recognizable names in the credit repair industry, with over a decade of experience helping consumers repair their credit.
Lexington Law also employs real and licensed attorneys as well as paralegals and credit repair specialists. Since you'll run into some legal and federal laws when you embark on your credit recovery journey, it can be reassuring to know that you have a real lawyer working on your behalf.
Here are some situations where you might want to contact Lexington Law:
- You want to buy a car or finance a home, but your credit score is too low to qualify for a loan.
- Past credit mistakes have damaged your credit score and you want to rebuild it as soon as possible.
- You want to clean up your credit, but you don't have time to question negative items on your credit report.
- You've tried to repair your credit yourself, but haven't had much success.
Remember that credit repair companies can't do anything you can't do yourself. However, since credit repair is their business, they often simplify the process.
By law, no credit repair company can guarantee its results. However, a reputable company like Lexington Law can help you remove items faster than you can do yourself.
Pros and Cons of Lexington Law
Whether or not to work with a professional credit repair company is a personal decision, so it's important to weigh the pros and cons.
While you can fix it yourself, one of the greatest benefits of working with Lexington Law is that you get trusted professional guidance in a process that can be full of fear or uncertainty.
- qualified guidance
- peace of mind
- monthly updates
- regular communication
The main disadvantage of working with Lexington Law for credit repair is that you are paying for these services.
- Monthly cost
There are things you can do yourself for free, but they can be a huge waste of time. Many people enjoy the peace of mind of paid professionals who can get the job done more efficiently and aggressively.
How much does it cost to use the Lexington Act?
Lexington Law has three different plans. Depending on your budget and the type of services you need, you can choose from the Concord Standard plan, the Concord Premier plan or the Premier Plus plan.
1. Concord Standard - $89.95 per month
Concord Standard is Lexington's cheapest plan and a plan it classifies as "standard credit repair." With this plan, Lexington will address the challenges of bureaucracy and lender intervention.
While this plan may seem simple, it does the job most people are looking for when it comes to credit repair. For most users, the basic plan is probably enough to meet the goal of challenging negative elements and removing as many of them as possible.
2. Concord Premier - $109.95 per month
In addition to the services offered by the standard Concord plan, the Premier plan includes several credit coaching tools designed to help you manage your credit more effectively. Lexington will also send you a performance analysis report each month so you can see how your credit has improved.
Concord Premier Plan also sends TransUnion alerts when a negative item appears in your report. You can choose to receive notifications by email or SMS.
While it's nice to have these tools, they are not necessary to dispute negative or incorrect items on your credit report.
3.Premier Plus - $129.95 per month
This is what Lexington calls "aggressive credit repair." With this plan, you get all the services offered in the lower two tiers, plus cease-and-desist letter services, FICO score tracking, identity protection, and a variety of personal finance tools.
As with the Concord Premier plan, the Premier Plus plan offers a few extras that are likely enjoyable, but not critical to challenging negative items on your credit report.
What can Lexington Law remove from your credit report?
Lexington Law can challenge a wide range of items on your credit report, but cannot guarantee the removal of certain items or the delivery of certain results. Generally, however, Lexington Law may attempt to remove any of the following:
- late payments
- Files to download
- wrong informations
Steps Lexington Law takes to clear your credit
Lexington Law describes his approach as a four-step process. Here's what you can expect if you sign up for the services.
1. Review your credit report
First, Lexington solicitors will take your credit report and review it looking for negative entries or inaccurate information. At this stage, you will also receive a paralegal assigned to your case who will guide you through the report and flag any inaccuracies.
2. Dispute over negative items
Once Lexington identifies negative items, Lexington will send dispute letters and any other necessary correspondence to the credit bureaus or original creditor on your behalf. At this stage, Lexington asks the credit bureau to review his records and verify that the item on his report is correct.
If successful, in this step you will see that the negative elements have been removed from your report. However, it might take a little more work and follow-up to get the results you're looking for.
3. Follow-up and escalation
In some cases, Lexington Law may require you to contact the credit bureaus or lender. Lexington may also need to escalate the dispute by sending additional correspondence.
4. Alerts and Live Tips
If you sign up for credit monitoring services, Lexington will send you alerts whenever a negative item appears on your credit report. This can be helpful in maintaining your credit score over time.
Lexington law better alternatives
If you need credit repair, it's best to shop around. Here are four alternatives to the Lexington Act that may better suit your needs.
1. Sacred Credit
credit sainthas a 90-day money-back guarantee and offers a free consultation before signing up. It also has an A+ rating from the BBB.
Three tiers of credit repair plans are available, and each plan has an initial setup fee followed by a monthly recurring fee. Monthly prices start at $79.99 and go up to $119.99.
2. Blue Credit Repair
Blue Credit Repairhas been around since 1989 which is a good sign in the credit repair industry. Offers a 90-day money-back guarantee.
Pricing is simple with Sky Blue, which only has an all-inclusive package. It charges a flat fee of $79 for signing up and then a monthly fee of $79 as long as you subscribe to its service.
3. Credit staff
credit staffallows you to choose between a monthly payment or a flat fee for six months of services. The company has been on the market since 2001.
The monthly plan costs $19 to sign up, then $79/month thereafter. If you opt for the six-month plan, you'll pay a one-time fee of $419.
4. Do it yourself credit repair
Another option is to take on the credit repair job yourself. While it may seem a bit complicated at first, you can dispute errors on your credit report yourself using the tools and letter templates you can find online.
Lexington Law FAQs
Below are some of the most frequently asked questions and answers about the Lexington Act.
Is Lexington Law a real law firm?
Yes, Lexington Law is a real law firm based in Utah. The company began operations in 1991 and began focusing on credit repair in 2004.
Lexington Law offers credit repair services to individuals throughout the United States. Office attorneys also provide other legal services in other areas of practice to individuals in select states.
Is Lexington Law a good credit repair company?
Lexington Law is an established law firm and credit repair firm with a solid reputation. However, credit repair is a highly personalized service and results vary from person to person.
Some of the qualities that reviewers consistently praise after working with Lexington Law are the team of real lawyers and their one-on-one customer service. If you like the idea of working with a real lawyer, Lexington Law is probably worth checking out.
How long does it take to see Lexington Law results?
Like other credit repair companies, Lexington Law cannot guarantee results or make promises to achieve results within a certain period of time.
However, Lexington Law states on its website that most of its clients stay enrolled for an average of six months, and many see improvement in that time.
Does the Lexington Act really remove fees?
Lexington Law cannot guarantee that it will be able to remove the charge. However, depending on the circumstances, it may be possible to remove the fee from a person's credit report.
Generally, creditors collect a debt when it has not been repaid for 180 days. In some cases, you can remove a charge by disputing it or negotiating payment in exchange for the creditor marking the debt as paid in full.
While Lexington Law doesn't say how many charges it has removed on behalf of its clients, it does include charges in its list of items it can help remove.
Lexington law customer service
New Lexington Law clients can contact the law firm by phone from Monday to Friday from 6:00 a.m. to 10:00 p.m. MST; Saturday from 7:00 to 21:00. MST; and Sunday from 7:00 to 20:00. MST. The number for new customers is 833-333-8277. You can also call 855-255-0139 to start a free consultation.
For existing Lexington Law clients, customer service is available Monday through Friday from 7:00 a.m. to 7:00 p.m. MST. The customer service number for existing customers is 833-793-3000.
Check out this video:
Yes, Credit Repair Can Work
Credit scores and credit reports can be improved by following the steps and processes laid out by firms like Lexington Law and others that have expertise and experience in dealing with this complex system. So, to answer your question, yes — Lexington Law really works.
Lexington Law doesn't remove debts directly. Rather, it helps clear inaccurate negative information from your credit report by contacting the credit bureaus on your behalf. If there is a debt on your report that is wrong, inaccurate, listed in error, or otherwise incorrect, Lexington Law can work to help remove it.Can Lexington Law firm help with collection? ›
As trusted leaders in credit repair, we've helped clients challenge nearly every credit problem, including bankruptcies, tax liens, late payments, collections and more.Does Lexington Law have a lawsuit against them? ›
can be accessed by clicking here. The CFPB sued Lexington Law, CreditRepair.com, and a number of other companies back in 2019, accusing them of violating the Telemarketing Sales Rule by engaging in “bait advertising” and requesting or receiving payments up front for credit repair services.