Lexington Law Reviews: The Basics
Numerous reviews highlight how this firm can help you improve your credit score without too much fuss.
Namely, a bad credit score can seriously impact your ability to enjoy your life. You may struggle to get a loan or mortgage, and if you do, you may end up paying a higher interest rate than normal.
To cut to the chase, this particular credit repair service helps you clean your credit score in four easy steps:
- Step 1: Credit report analysis
- Step 2: Credit disputing
- Step 3: Dispute escalating
- Step 4: Credit score analysis and mentoring
As such, Lexington Law offers three service options — Concord Standard, Concord Premier, and PremierPlus. Moreover, the price range goes from $89.85 to $129.95 per month.
Lexington Law reviews usually start with their foundation date, and so shall we. Lexington Law has been in the business of repairing credit for more than 27 years. Their aim is to ensure that everyone gets an even chance when applying for credit and to make sure that all the charges are 100% fair and justified.
You can easily see who you’re working with as the list of law professionals is presented on their website, along with their experience and expertise. For instance, John C. Heath has been the directing attorney of Lexington Law since 2004.
The company also boasts about having removed about 1.5 million negative items from their clients’ credit reports, and we’re waiting to see the data for the previous year too.
Who Is Lexington Law Credit Repair For?
Lexington Law deals exclusively with people with below-average credit scores who want a fresh start and a “blank slate” on their credit record. That is, the brand looks to make their lives easier by helping them obtain new forms of credit without the exorbitant interest rates that are so common with bad credit scores (yet so desired when trying to save).
Hence, people looking to get financing to buy a car or a house will want to use Lexington Law to better their credit score before applying for a credit loan. That way, they avoid the risk of getting denied or paying high interest rates due to their past mistakes.
In fact, many Lexington Law credit repair reviews from customers state how the service helped them get their credit cards and loans approved by financial institutions; with time, their credit scores improved considerably, giving them a better chance of getting approved.
At the end of the day, Lexington Law is for anyone who wishes to improve their credit score — be it good, bad, or just plain ugly.
Lastly, the company uses methods that you could simply not do on your own — hence why it’s so effective!
The Application Process
If we were to consider Lexington Law pros and cons for a moment, the application process would definitely be at the top. The entire process is fairly easy, straightforward, and does not require too much hassle.
In essence, all you have to do is follow these simple steps:
- Visit their website and sign up.
- In the next day or two, a paralegal will contact you.
- Discuss your financial situation with the paralegal and you can even begin coming up with a plan.
- They will request specific documents. Follow their prompts and send them the details they require of you.
- After that, they will access your credit reports from the various credit bureaus.
- Then, they will proceed to dissect your entire credit history and single out any items that can be disputed and improved.
- Lastly, you’ll get a consultant assigned to you whom you can ask any questions or queries you may have at that moment.
Lexington Law Reviews: Main Features
Plans and Fees
There are three distinct levels of service that you can sign up for at this brand, depending on your needs.
Concord Standard — costs $89.85 per month and is the basic service. They will analyze your credit history, communicate with the bureau, and log all disputes with creditors.
Concord Premier — costs $109.95 per month. This is a mid-level service — hence the middle-of-the-road Lexington Law cost — and offers all the benefits of Concord Standard with the added benefit of TransUnion alerts, Inquiry Assist, and ReportWatch.
PremierPlus — costs $129.95 per month and is the top tier service that you can get. You’ll get all the perks of the previous two plans, along with the added identity protection, a range of tools to help you with your financing, a FICO score tracker, and access to cease and desist letters.
According to Lexington Law reviews from 2020, there are three main services that this credit repair company performs for you; we’ll explain all three of them in-depth below.
Analysis of Your Credit Report
Your assigned consultant will first access your credit report in full before coming up with plans on how to improve things. Likewise, your score will not be affected by this check as it would be if a hard inquiry was made by a potential lender.
The consultant will require some time to go through the entire report and see what items may be negatively affecting your credit score and whether these can be removed. They won’t be able to change your credit report by altering debt, for instance, but what they can do is query and dispute any items that may be incorrect.
Disputing Credit Items
Most Lexington Law firm reviews agree that the company does an outstanding job of contacting creditors and the credit bureau (depending on the item) to log disputes. Also, there is a specific time-frame that the creditor or credit bureau has to respond back. And if they don’t respond within the allotted time limit, the item is taken off your credit report.
Plus, even if they do respond within the given time-frame, Lexington Law will escalate the issue until, hopefully, the item is taken off completely.
Analysis of Credit Score
According to numerous LexingtonLaw reviews, this service is reserved solely for Concord Premier and PremierPlus customers. Namely, there is an online portal that you can access 24/7 where you can see all the details and your current credit score. The company will also offer you a full analysis of your situation, as well as advice for improving your credit.
You will have a dedicated consultant (a professional paralegal) who will aid you throughout the entire process. Nevertheless, it’s worth noting that there have been some Lexington Law complaints about the level of customer service in certain cases. Conversely, there are a lot of positive reviews when it comes to customer service as well. Hence, it’s more likely down to the individual client and case than anything else.
Worry not, the personal information you provide to Lexington Law is in safe hands. You are protected from identity theft. The brand uses industry-standard encryption technology and all the data stored on their servers have robust security measures in place. In addition, they may gather information about you from other sources, but the same rules still apply. Lastly, you can rest assured that the paralegal aid you get won’t reveal or disclose any personal information to third-parties.
We hope we cleared everything worth noting in our Lexington Law review (and more) when it comes to this particular brand. All in all, the company will do a superb job of disputing any items they can to improve your credit score and help you get better loan deals. Hence, it’s definitely worth giving them a try if you want to get a better chance at getting approved for credit or if you simply want to improve your overall financial standing.
Pros & Cons
- Highly experienced
- Initial consultation is free; plus you get a free account audit as well
- Subscription is on a month-to-month basis and you can cancel it at any time
- You get additional support and advice from a paralegal
- They cannot negotiate your debt for you
- The whole process may take some time
Is Lexington Law legitimate?
Yes, they are a legitimate business that possesses the legal know-how which can help improve your credit score. As such, everything they do is above board and skillfully done. However, it’s worth noting that they are not yet accredited by the Better Business Bureau.
Does Lexington Law really remove charges off?
Yes and no. They cannot have legitimate debt taken off your credit report. Still, what they can do is log disputes for items that can be argued against and try to have them removed. In other words, they will contact creditors and the credit bureau to dispute specific items and try to have them taken off, thus improving your credit score in the process.
How much is Lexington Law?
Lexington Law costs between $89.85 and $129.95, depending on the service plan you pick. In short, you can choose between three plans — Concord Standard, Concord Premier, and PremirePlus.
Likewise, as numerous online Lexington Law reviews point out, you can cancel your subscription at any point; meaning, you won’t have to keep paying for their services if it doesn’t work out for you for some reason.