Lexington Law Reviews 2026
If your credit report is full of errors or outdated information, Lexington Law might be exactly what you need. They’ve been helping everyday people fix their credit since 2004, and their clients have had over 83 million inaccurate items removed from their credit reports — that’s a pretty impressive number!
They handle the hard work of identifying and disputing questionable items on your behalf, so you don’t have to stress about it yourself.
How Lexington Law works
Before you commit to anything, Lexington Law lets you start with a free assessment on their website. You’ll get a quick look at your credit score, a summary of your credit report, and some personalized recommendations on what needs fixing — all at no cost.
If you decide to sign up for their paid service, you get access to a handy client dashboard where you can keep track of your scores, check your latest reports, and see how your disputes are progressing.
Once you’re enrolled, Lexington Law gets to work challenging things like duplicate accounts, fraudulent entries, and other negative items on your report. If someone has been making unauthorized inquiries on your credit, they can even provide attorney-written letters for you to send out.
And if a simple challenge letter isn’t enough to get something removed? No problem — Lexington Law steps in and handles all the back-and-forth with creditors on your behalf, so you don’t have to deal with the headache yourself.
| ✅ Pros | ❌ Cons |
|---|---|
| Free online credit assessment | Pricier than some competitors |
| Straightforward service plan | Not available in Oregon |
| Client dashboard to track disputes | |
| Attorney-written letters for fraud | |
| Handles all creditor correspondence |
Lexington Law plans
Unlike many credit repair companies that offer multiple tiers, Lexington Law keeps things simple with just one plan. Here’s everything that’s included:
- Access to real lawyers and paralegals who work on your case
- Monthly FICO score updates through TransUnion so you can track your progress
- Bureau challenges and creditor intervention letters sent on your behalf
- A financial literacy library to help you understand and manage your credit better
- Assistance if debt collectors start calling you
- Credit score analysis with personalized strategies to help you improve
- ID theft insurance for added peace of mind
Lexington Law cost
Getting started won’t cost you a thing — the initial credit assessment is completely free. If you decide to move forward with their services, you’ll pay $139.95 per month. Your first payment kicks in somewhere between five and 15 days after you sign up, depending on which billing date you pick.
After that, you’ll be charged monthly until you decide to cancel.
Got a spouse who needs help too? They can get a one-time 50% discount when they sign up. Lexington Law also offers veterans and active military members a 50% discount on their first payment — a nice touch.
If you ever want to cancel, you can do it anytime through your online account or by giving them a call. Just keep in mind that once you cancel, no further work will be done on your behalf — though you may still be billed for any services that were already completed.
Our Top 5 Credit Repair Companies
- The Credit Pros – Best for Comprehensive Plans
- Credit Saint – Best for Customized Pricing
- Sky Blue Credit – Best Value
- The Credit People – Best for Low Setup Fees
- Credit Firm– Best for Legal Support
FAQs Section about Lexington Law:
Where is Lexington Law available?
Good news — Lexington Law serves customers in nearly all 50 states across the US. The only exception is Oregon, where the service is not available.So if you’re based anywhere in the US outside of Oregon, you should be able to sign up and get started with their free credit assessment right away.
How much does Lexington Law charge?
Getting started with Lexington Law won’t cost you anything — their initial credit assessment is completely free. If you decide to sign up for their services, you’ll be charged $139.95 per month, with your first payment due somewhere between five and 15 days after you enroll.After that, the monthly charges continue automatically until you decide to cancel.
What is the phone number for Lexington Law?
One thing worth knowing — Lexington Law doesn’t take sales calls. If you dial their number (800-341-8441), you’ll be directed to their website instead of speaking with a sales representative.
So if you’re looking to learn more about how their process works or want to ask specific questions, your best bet is to head over to their website or use the live chat feature. It’s quick and easy, and you’ll get the answers you need without any pushy sales tactics.
Can Lexington Law remove unpaid collections?
Like any credit repair company, Lexington Law can’t promise that an unpaid collection will be wiped from your credit report. No one can guarantee that — and if a company tells you otherwise, that’s a red flag.That said, if a collection on your report is inaccurate, unfair, or simply can’t be backed up with solid evidence, Lexington Law can step in and challenge it directly with the credit bureaus and creditors on your behalf.
How long does Lexington Law take?
How long it takes really comes down to your individual situation — every credit report is different, so there’s no fixed timeline that works for everyone.
What we do know is that according to Lexington Law, 72% of their clients saw their credit scores improve while using their services. And among those who did see improvement, 87% gained at least 40 points — which is a pretty significant jump.So while results aren’t guaranteed, the numbers are encouraging for most people who stick with the process.
Can Lexington Law remove Charge-Offs?
If a charge-off on your credit report is inaccurate, Lexington Law can absolutely help you dispute it with the credit bureaus. That’s exactly what they’re there for.
However, just like with collections, they can’t guarantee the charge-off will be removed. If the charge-off is accurate and the creditor can verify it, getting it taken off your report is much harder — and no company can promise otherwise.
That said, Lexington Law points out that you may still have options. In some cases, consumers have had success negotiating directly with the lender or debt collector — sometimes working out a payment arrangement in exchange for having the charge-off removed or updated on their report.
