Lexington Law Credit Repair Review

Highly rated app, but troubling legal woes

We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info.

Lexington Law

 Lexington Law

Investopedia’s Rating

Our Take

Lexington Law’s status as one of the largest credit repair companies allows it to pour resources into advanced digital tools that competitors can’t beat. But the company’s above-average fees and recent legal troubles make us think twice about recommending this service.

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
  • Highly rated smartphone app

  • Free consultation

  • No initial work fees

  • Three plan levels

  • Credit monitoring available

  • High fees

  • Large volume of complaints

  • Alleged legal violations

  • No money-back guarantee

  • Unavailable in two states

Key Takeaways
  • Lexington Law sells three service packages that cover credit repair, financial planning, and identity theft protection.
  • Monthly costs are on the high end with a range of $89.95 to $129.95, although the company doesn’t charge extra initial work fees.
  • Lexington Law is currently the target of legal action from the Consumer Financial Protection Bureau (CFPB). A 2019 lawsuit alleged that the company had used deceptive marketing and charged illegal fees.
Company Overview

Lexington Law was founded in 2004 in Salt Lake City, Utah, with the goal of providing credit repair services from a legal perspective. The company grew quickly and reached one million customers by 2010, eventually opening a second office in Tucson, Arizona. Today, Lexington Law provides services to customers in 48 states and the District of Columbia. The company has helped remove more than 56 million negative items from customers' credit reports.

  • Year Founded 2004
  • Kinds of Credit Repair Service Credit disputes, monitoring, identity theft protection, financial planning
  • Fee Schedule Monthly
  • Monitoring Options In-house, additional fee
  • Customer Service Phone, email, mobile app
  • Official Website www.lexingtonlaw.com

If you’ve ever researched credit repair companies, you’ve probably heard of Lexington Law. One of the largest credit repair services in the nation, the company has helped remove more than 56 million negative items since its founding in 2004. But more recently, Lexington Law has become the target of government action with a lawsuit that claims the company engaged in deceptive practices. To find out what this means for customers thinking about signing up with Lexington Law, we performed an in-depth review of the company’s services, pricing, terms, and reputation.

Pros Explained

  • Highly rated smartphone app: Lexington Law’s smartphone app gets outstanding ratings from customers.
  • Free consultation: New customers can get an online consultation free of charge. The service includes a credit score check, report summary, and expert recommendation.
  • No initial work fees: Unlike most competitors, Lexington Law doesn’t charge customers an upfront fee.
  • Three plan levels: Choose from a selection of plans to find the service and price that works for you.
  • Credit monitoring available: Two of Lexington Law’s three credit repair plans include credit monitoring at no additional cost.

Cons Explained

  • High monthly fees: Lexington Law’s cheapest plan costs $89.95 per month, which is far from affordable for most customers. If you want the most premium package, you’ll have to pay $129.95 per month.
  • Large volume of complaints: The company has been named in 7 CFPB complaints.
  • Alleged legal violations: In 2019, the CFPB filed a lawsuit against Lexington Law for allegedly charging illegal fees and using deceptive sales practices.
  • No money-back guarantee: It’s fairly common for credit repair companies to issue customers a refund if no items are successfully removed from their report, but Lexington Law doesn’t offer one.
  • Unavailable in two states: Residents of North Carolina and Oregon aren’t able to sign up for services with Lexington Law.

Types of Services

Lexington Law groups its services into three packages, ranging from basic credit repair to more premium options. This plan structure ensures customers only pay for the services they need. Those with fairly straightforward needs can choose a cheaper plan, while complex cases are able to purchase more in-depth assistance.

Concord Standard

Lexington Law’s entry-level package, Concord Standard, covers the essentials of credit repair. While it’s the most bare-bones option from Lexington Law, the plan actually comprises the full range of services offered by some smaller credit repair companies.

The Concord Standard plan covers two services: credit disputes and creditor interventions. During the credit dispute process, Lexington Law will identify errors on your credit report and issue requests to the credit bureaus to have those items removed. Creditor interventions are various types of correspondence the company can send on your behalf directly to lenders and collection agencies.

Common examples of creditor interventions are goodwill letters and debt validation letters. Goodwill letters ask the lender to stop reporting a late payment if you have an otherwise on-time payment history. Debt validation letters solicit proof that you actually owe a debt you believe to be invalid.

Concord Premier

Concord Premier, the mid-level plan, includes the credit repair basics covered under the Concord Standard plan plus a few additional services. With this package, Lexington Law will dispute hard inquiries on your report that shouldn’t be there. You’ll also receive a credit score analysis and ongoing credit monitoring with alerts any time your score changes.


Lexington Law’s premium package, PremierPlus, encompasses not just credit repair but additional financial services that may be helpful. Building on the lower-level plans, this package also includes cease and desist letters, which the company can send to creditors to stop collection efforts like intrusive phone calls. PremierPlus also grants access to a FICO® score tracker and financial planning tools, both of which are accessible via the Lexington Law app. Finally, identity theft protection is also included.

Getting endless calls from collection agencies can majorly disrupt your day-to-day life, so it’s easy to see why cease and desist letters would sound attractive. But before proceeding with this route, you should be aware of the potential consequences. Once a creditor runs out of ways to contact you, they may proceed directly to suing you over the unpaid debt.

  Concord Standard Concord Premier PremierPlus
Credit disputes
Creditor interventions
Hard inquiry disputes  
Credit score analysis  
Credit monitoring and alerts  
Cease and desist letters    
Personal finance tools    
FICO® score tracker    
Identity theft protection    

Optional Add-Ons

Aside from its three plan offerings, Lexington Law doesn’t sell any optional add-ons. All services the company provides can only be purchased within a package.

Customer Service

In the customer service domain, Lexington Law stands out from the rest of the industry with a highly rated smartphone app. The app receives outstanding reviews, garnering an average 4.8-star rating in Apple's App Store and 4.5 stars in the Google Play store.

Representatives are easily accessible, with phone lines open 12 hours every weekday from 7:00 a.m. until 7:00 p.m. MST. Email service is also available, and the company is highly responsive on social media platforms like Meta. However, no live chat service is offered.

Company Reputation

While Lexington Law’s customer service looks outstanding on paper, customers don’t tend to agree. The company has accumulated 7 mentions in the Consumer Financial Protection Bureau complaint database. The details of these complaints are widely varied, although many mention specific promises the company made that failed to materialize.

The Credit Repair Organizations Act makes it unlawful for credit repair companies to make any specific promises to customers. If a company claims that they can boost your score by a certain number of points or achieve results in a specific amount of time, the best course of action is to walk away and find a more reputable service.

Likely as a result of investigating these customer complaints, the CFPB filed a lawsuit against Lexington Law in 2019. The suit alleged that the company had used “deceptive marketing tactics” to attract customers and charged “unlawful fees” by collecting payments before services had been rendered.

Contract Duration

Lexington Law does not ask customers to sign any long-term contracts. Services are charged on a monthly basis and can be canceled anytime by contacting customer service. According to the company’s website, most customers need an average of six months to complete the credit repair process.


Lexington Law lists no initial work fee, something most competitors charge for the first phase of the credit dispute process. Monthly fees start at $89.95 for the Concord Standard plan, while PremierPlus costs $129.95. The price for the middle plan, Concord Premier, is $109.95.

These fees are significantly higher than industry averages, particularly the lower-level Concord Standard option that includes relatively few services. However, you should take the absence of upfront fees into consideration. These can often exceed $100 with other credit repair companies.

  Concord Standard Concord Premier PremierPlus
Monthly fee $89.95 $109.95 $129.95

The Competition: Lexington Law vs. The Credit Pros

To see how Lexington Law’s cost structure compares to other credit repair services, we put it up against The Credit Pros, a competitor that advertises lower monthly costs but charges high initial work fees.

The Credit Pros’ entry-level plan costs $119 upfront and $69 per month for ongoing service. Assuming an average service period of six months, this plan would cost $533 total. Lexington Law’s cheapest plan would be just a few dollars more—$539.10 over the same six-month period.

Looking at the specific services included in these two plans, however, The Credit Pros is a much better value. In addition to credit disputes and creditor interventions, the company throws in credit monitoring, financial planning tools, and identity monitoring, all of which are only available from Lexington Law with upgraded packages.

  Lexington Law The Credit Pros
Year founded 2004 2009
Services offered Credit repair, monitoring, identity theft protection, financial planning Credit repair, monitoring, identity theft protection, financial planning
Customer service touchpoints Phone, email, mobile app Phone, email, client portal
Upfront fee $0 $119 to $149
Monthly fee $89.95 to $129.95 $69 to $149

Lexington Law excels at putting a shiny face on credit repair, offering a seamless digital experience through a top-rated smartphone app. But just as you can’t judge a book by its cover, you shouldn’t judge a credit repair company by its app store rating. Between Lexington Law’s high prices and concerning legal troubles, we’d have a hard time recommending it over some of the better credit repair options out there.

How We Review Credit Repair Companies

Few industries have as checkered a reputation as credit repair. We review these companies with a highly critical eye, comparing the quality of services against advertised prices to give you an honest, unbiased opinion. High volumes of complaints and/or a history of legal action are both considered major red flags among credit repair companies.

Learn more: Read our full Credit Repair Review Methodology here.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. Consumer Financial Protection Bureau. "Consumer Financial Protection Bureau Files Suit Against Lexington Law, PGX Holdings, and Related Entities." Accessed Feb. 8, 2022.

  2. U.S. Congress. "15 USC Chapter 41 Subchapter II-A: Credit Repair Organizations." Accessed Feb. 8, 2022.