In 2004, the Lexington Law firm opened its practice, led by directing attorney-at-law John C. Heath. Based in North Salt Lake, Utah, with an extra office in Tucson, Ariz., Lexington Law now serves people from New Mexico to New Jersey and beyond. They do not presently serve Oregon and North Carolina.
While Lexington Law offers credit repair services, the tauten besides provides relate services such as identity protection and personal finance tools .
How Does Lexington Law Work?
The credit rating animate process at Lexington Law involves working with credit bureaus on your behalf to challenge inaccurate items on your credit report. Because the Fair Credit Reporting Act states that credit chest of drawers must record merely verifiable and accurate data, the agency will need to remove any items that don ’ deoxythymidine monophosphate meet these criteria .
After verifying all your recognition report information, Lexington Law will work with your creditors to address dim-witted fixes, mistakes, and incomplete data .
While you could complete this process on your own, you ’ ll benefit from Lexington Law ’ s working relationship with all three major credit agency : Experian, Equifax, and TransUnion. Don ’ triiodothyronine underestimate the value of having an ally who speaks their lyric. And let ’ s be honest : Cease-and-desist letters decidedly command more agency when a police firm sends them .
once those erroneous or deceptive entries are removed from your credit report, your credit score should improve .
As you can see, Lexington Law follows a legitimate procedure. It international relations and security network ’ thymine a magic trick eraser for your debts .
ideally, you ’ ll come out of this experience equipped with the skills you ’ ll necessitate to monitor your credit history and maintain a good credit score going forward—that kind of fiscal literacy is invaluable .
Click Here to Get a Free Credit Repair Consultation With Lexington Law
What Type of Negative Items Can Lexington Law Help with?
According to numbers on the Lexington Law web site, the firm ‘s clients saw over 1.5 million removals from their credit reports in 2019 alone. These items included inaccurate or misinform :
- Late payments
What Does Lexington Law NOT Provide?
A “ minus item ” does not mean just any token that contributes to bad credit. If you have actual credit card debt, legitimate inquiries, a radiation pattern of deep payments, or a series of charge-offs, no credit rectify company will be able to get these items removed .
Repairing a truly bad credit score requires changes to your fiscal habits and a lot of patience. If you maintain those newfangled habits, the negative items will finally “ historic period off ” your report .
Lexington Law can entirely help ensure that your credit history is reported accurately and reasonably. That said, the firm can ’ t undertake definitive results because everyone ’ s credit situation is different. If any items reappear on your report after Lexington Law has requested their accuracy be verified, that means your creditors determined them to be legitimate .
How Much Does Lexington Law Cost?
Lexington Law offers three service levels at unlike monetary value points :
For a monthly fee of $ 89.85, Lexington Law ‘s basic plan provides all the credit rating compensate services most people need. With the Concord Standard plan, Lexington Law will file chest of drawers challenges and creditor interventions on your behalf .
If you need more intensive credit aid, the Concord Premier plan includes monthly analyses and ongoing credit monitor for $ 109.95 per month. In addition to the credit haunt services in Concord Standard, Concord Premier clients will receive :
- Credit Score Analysis
- TransUnion Alerts
At $ 129.95 per calendar month, the most complete plan at Lexington Law provides all the tools you could need for credit repair and then some. If you want extra avail planning your finances, Premier Plus could be the service level for you. You ’ ll receive all the services that Concord Premier provides, deoxyadenosine monophosphate well as :
- Cease-and-Desist Letters
- Identity Theft Protection Services
- FICO Score Tracker
- Personal Finance Tools
No topic which design you choose, keep in mind that you won ’ thyroxine pay anything until after the beginning stage of work has been completed .
And if you ’ re on a shoestring budget, you can take advantage of Lexington Law ’ s family dismiss. When you sign up a family penis within 72 hours of your master signup, each of you will receive 50 percentage off the beginning ferment fee .
Click Here to Get a Free Credit Repair Consultation With Lexington Law
Lexington Law has set the barricade high for other accredit repair firms in respective ways, including :
Experienced Legal Team
Because the best credit pros are familiar with the law, Lexington Law is the firm you can trust. Unlike some recognition animate organizations, Lexington Law ‘s credit rectify team actually consists of real attorneys and paralegals. With knowing professionals at the helm, you can rest assured that they ‘ll use the discipline legal channels to help you work to repair your credit .
Lexington Law assigns every node an bill rep, normally a paralegal. Because the intimate details of your negative credit history are such a private matter, it ‘s comforting to discuss your case with a conversant voice every clock time .
Exceptional Customer Service
While not quite a 24/7 helpline, the Lexington Law fast offers a wide range of customer service handiness, with time slots before and after regular commercial enterprise hours american samoa well as on the weekends to accommodate your interfering schedule. Lexington Law clients can get in touch with an adviser via phone, electronic mail, or online new world chat .
Extensive Educational Resources
Lexington Law firm could plainly perform its services without explanation, but alternatively, this understanding credit haunt firm makes an effort to inform people about how credit works and how to repair it. Under the Credit Help tab on Lexington Law ’ s web site, you ’ ll find release, in-depth articles covering four independent topics :
Read more: What Is a Debt Management Plan? – NerdWallet
- Fixing Credit
- Improving Credit
- Building Credit
- Understanding Credit
Armed with all of this cognition, you can go into your dislodge credit report consultation feeling more confident .
Although Lexington Law has earned its reputation as an effective credit repair firm, there is still room for improvement in some areas, detailed below .
An Extra Credit Report Costs More
If you want a monthly credit report, Lexington Law fast charges an extra $ 14.95 for each one when you choose the Concord Standard plan. That ‘s a steep tip for a park aspect of the compensate process—especially because the three credit bureaus provide free annual reports, and apps like Credit Karma will even show you your recognition for absolve .
calm, sticking with the basic design will save you a few bucks every calendar month evening if you get a credit report each time .
Better Business Bureau Rating Needs Improvement
amazingly, Lexington Law firm is not accredited by the BBB and has a C military rank. Most of the complaints involve people who thought the company guaranteed results, which the firm—like any legitimate police firm—does n’t promise because each credit situation is unique .
To its recognition, Lexington Law regularly responds to clients ‘ posts on their BBB profile and other open forums, showing a willingness to address its customers ‘ concerns. Lexington Law ’ s credit compensate services are besides rated highly on Observer.com
Besides, Lexington Law has garnered loads of cocksure reviews on other websites, including a grudge of 8.9 on BestCompany.com. indeed while it ‘s helpful to learn what past and current customers have to say about a credit repair firm, you might want to take some of the more hideous Lexington Law reviews with a grain of strategic arms limitation talks .
Alternatives to Lexington Law
Like Lexington Law, Credit Saint dates back to 2004. This New Jersey-based firm provides its credit compensate avail to residents of all states except Georgia, Kansas, and South Carolina .
recognition Saint is known for its variety show of low-cost plans. For case, the bare-bones polish plan would be a capital burst for a node with entirely a few negative items. however, Credit Saint ‘s first-work fees start at $ 99, which is a short higher than the industry standard .
If you do n’t see any negative items removed from your recognition history after two 45-day cycles, you can get a full refund. Plus, you can cancel your plan at any time at no extra monetary value. Check out our Credit Saint revue for more information on this company .
Click here to Visit the Credit Saint Website
Sky Blue Credit Repair
Sky Blue Credit Repair, in Boca Raton, Fla., operates in all 50 states. This firm provides services exchangeable to those of Lexington Law. In addition, it offers grace letters, debt validation, and aid negotiate with the credit rating chest of drawers .
The credit rating professionals at Sky Blue claim to work at an exceptionally fast pace : an average of 15 inquiries every 35 days .
possibly the most budget-friendly option in this list, Sky Blue offers depleted setup and monthly fees with no extra service charges. furthermore, the company offers a free consultation, second-member and couples discounts, and a 90-day money-back guarantee .
Click here to Learn More About Sky Blue Credit Repair
What to Expect After Signing up with Lexington Law
Let ’ s walk of life through the citation compensate process at Lexington Law :
1. Within 24 to 48 hours of signing up, a credit adviser will contact you and introduce themselves as your personal representative .
2. Your credit adviser will ask for your details, which they need to analyze your reports and determine the best course of action .
3. After analyzing your detail accredit reports, your congressman will contact you to identify and explain each detail they would like to challenge .
4. At this luff, the adviser will send the allow parallelism to the creditors and reporting agency to start the process of removing inaccurate or mislead items from your credit rating report. The wait time will vary depending on your situation .
5. If you ‘ve purchased one of the Premier plans, you ‘ll receive a accredit sexual conquest analysis once the challenges have been resolved .
6. Your example will continue to follow up and escalate any remaining issues until a satisfactory stopping point is reached .
If, for some rationality, you are n’t glad with your results from Lexington Law, you can cancel your case at any meter : on the web site, over the phone, or through electronic mail .
Final Thoughts – Is Lexington Law Legit?
If you ‘re looking for a better credit score, Lexington Law is decidedly one of the most aggressive credit rectify companies to work with. As you ‘ve learned from our Lexington Law review, this is a lawful law fast whose attorneys have the industry cognition needed to help you sort out a ravel mess of a accredit site .
Of course, no reputable citation repair company can guarantee results, and Lexington Law surely is n’t an overnight solution. A accredit animate organization can take months to show progress—if not longer—although some people may start seeing cleaner credit reports much preferably. Just sit taut and remember that what you ‘re doing is a measure in the right direction.
Repair your credit with the avail of Lexington Law. Call : 844-838-3763 or visit the Lexington Law web site to schedule your detached consultation today !