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The Latest News on Credit Repair Firm Lexington Law

Written by Banks Editorial Team

Updated March 9, 2023​

3 min. read​

Lexington Law was first launched in 1991. It is a credit repair agency that is highly established in this industry. Based in North Salt Lake, Utah, the company has assisted more than half a million clients with their credit score endeavors. 

To achieve this feat, Lexington Law has a team of more than 20 licensed lawyers spread across 19 different states in the U.S. Many of their clients are those seeking to improve their credit score before they apply for mortgages. Some are also seeking advice related to divorce, identity theft, and student loans.

Lexington’s paralegals and lawyers are good at consumer laws and they know how to leverage them to help their clients have better credit scores. They have helped thousands of clients to have negative remarks removed from their credit reports.

However, whether Lexington will continue in business depends on a suit brought against them on May 2nd, 2019 by the Bureau of Consumer Financial Protection. In the indictment, the agency claims that Lexington was complicit or actively involved in abusive and deceptive practices perpetrated against their clients. 

That notwithstanding, many satisfied customers continue to give Lexington very positive reviews.

Popular Credit Repair Solutions
Learn about AI-enabled credit repair solutions offered by The Credit Pros and how schedule a free consultation to improve your scores.

The Credit Pros will help improve your credit score by removing inaccurate credit information from your consumer credit reports.

What Can Lexington Law Do For You?

Lexington Law can assist you by challenging your creditors and credit bureaus to ensure the items reported on your credit report are accurate. 

Creditors usually make mistakes and if these mistakes are not corrected or deleted, you may end up having a very bad credit score. All it takes is a click of a mouse or a single stroke of a pen for credit companies to damage your credit history for up to seven years. 

Lexington Law will put the burden of proof back to the credit companies and the credit bureaus. If they can’t prove that an item on your credit report is fair, substantiated, and accurate, they’ll have no option but to correct it or delete it from your report.

If you can manage to reduce the number of negative accounts on your report, manage your credit wisely, avoid making frequent inquiries on your credit, and keep your balances low, your credit score will begin to improve.

What Kinds of Credit Problems Can Lexington Law Help You With?

Millions of clients have benefited from the services offered by Lexington Law. Here are some of the issues the company can help you with:

  • Late payments
  • Collections
  • Charge-offs
  • Bankruptcies
  • Judgments
  • Medical bills
  • Student loans
  • Identity theft
  • Divorce
  • Repossessions
  • Garnishments
  • Hard inquiries
  • Repossessions
  • Tax liens
  • Foreclosures
  • Settlements

Lexington law credit repair can help you have these accounts removed from your credit report. However, just like in ordinary court processes where an attorney can never guarantee you a specific outcome, the same applies when dealing with your creditors and credit bureaus, it isn’t possible to predict their response. You only need to check the success rate of a law firm to have some idea of what direction your case would likely take. 

Popular Credit Repair Solutions
Learn about AI-enabled credit repair solutions offered by The Credit Pros and how schedule a free consultation to improve your scores.

The Credit Pros will help improve your credit score by removing inaccurate credit information from your consumer credit reports.

How Does Lexington Law Repair your Credit?

Lexington lawyers will leverage your consumer right when disputing inaccurate, incomplete, untimely, misleading, and unverifiable items on your credit reports. They’ll work with you to come up with a water-tight dispute strategy then take appropriate measures when engaging your creditors and the credit reporting agencies.

Lexington will first help you to access your credit reports from TransUnion, Experian, and Equifax. Using the reports they will formulate a unique plan for your situation. 

Next, you’ll have a paralegal and an attorney assigned to your case and they will begin the process of repairing your credit. 

Lexington law credit repair has different costing levels and the service tier that you choose will determine how extensive your credit repair will be. The available costing levels include:

  • Lex OnTrack ($24.95/Month)
  • Concord Standard ($89.95/Month)
  • Concord Premier ($109.95/Month)
  • PremierPlus ($129.95/Month)

If you choose Concord Premier, you’ll receive monthly credit score improvement analysis. You’ll also get tips on the actions you can take to fix your credit. And in case you need more customized coaching, you’ll be free to contact their paralegals any time via webchat, email, or even phone call.

All Lexington clients can check on their status on the firm’s mobile app and web any time they feel like. You can also receive responses to their disputes directly from the credit bureaus. 

Once you receive such a response, you can forward it to your Lexington legal team so they can update the status of the disputes. They may also escalate your dispute depending on the nature of the response you received from the credit reporting agencies. 

From the beginning to the end, Lexington lawyers and paralegal will be available to address your concerns and they’ll on top of your case to ensure you get the best possible outcomes. 

How Long Does It Take?

The duration of time the Lexington law credit repair will take largely depends on the unique situation of your case and how well your creditors and credit bureaus respond. Meaning, the worse your credit situation is, the longer it will take Lexington to repair your credit.

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