Is Lexington Law Legit? Everything You Need to Know

Kelly Hernandez
A businessman signing a document.

Lexington Law is a well-known, legitimate credit repair company that helps consumers identify and dispute questionable, negative items on their reports.

When negative items are removed, consumers can experience an increase in their credit score, which makes them more appealing as borrowers to lenders or credit card companies. You can sign up for the service online or call the customer sales line at 833-333-8277.

The credit repair company analyzes your credit report, identifies negative items that may have been reported incorrectly, and disputes them with the creditor or credit bureau.

Lexington Law also provides credit monitoring services to customers to ensure recently reported items are correct. Review the following information to learn more about the service levels Lexington Law offers and the free tools available through the company.

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Our Rating:
4.75/5 Stars

Lexington Law Service Levels

If you decide to sign up for Lexington Law credit repair services, you can choose from one of three service plan levels.

Concord Standard

The Concord Standard service level is the most basic plan and costs $89.85 per month. After obtaining your report from the three credit bureaus, Lexington Law helps you dispute errors on your credit report with the bureaus and creditors. If these erroneous negative items are removed from your credit history, your credit score will increase.

Concord Premier

The Concord Premier service plan offers additional features and costs $109.95 per month. At this level, the company still helps you challenge the credit bureaus and creditors to remove erroneous negative items from your credit report and Lexington Law also sends you alerts when additional items are reported on your TransUnion credit report.

Through credit score analysis, the company also provides you with personalized actionable advice on what affects your credit score and ways you can improve it. When you adopt good financial habits to raise your credit score and have a credit repair company like Lexington Law monitoring your report, you’re more likely to see positive results quickly.


The PremierPlus service plan is the most robust plan because it includes all services in the Premier plan with additional assistance. If you pay $129.95 per month to be a PremierPlus member, you’ll also benefit from:

  • Cease and desist letters: If you have items that were reported erroneously or debt that’s expired, Lexington Law sends cease and desist letters to creditors on your behalf so they stop pursuing collection.
  • FICO score tracker: The company monitors your FICO credit score so you’re always aware of what lenders and financial institutions see when they pull your credit.
  • Identity theft protection: By consistently keeping an eye on your credit report, it’s easier to find out if your identity has been compromised.
  • Personal finance tools: PremierPlus members are provided with financial tools that help ensure they’re on the right track to raising their credit score.

Current Promotion

For a limited time, receive 50% off your first work fee by signing up with a friend or family member today! Be sure to check Lexington Law frequently, as their first-time customer discounts and promotions may vary.

Credit Report Analysis

Lexington Law performs a credit report analysis, which is one of the most important steps in the credit repair process. The company pulls your credit report from all three credit reporting companies to identify the negative items that are dragging down your credit score.

After consulting with you about these negative items, the company begins to dispute the items on your credit report that aren’t accurate. If Lexington Law is successful in having these negative items removed from your report, your credit score will increase.

Free Credit Report Consultation

You can receive a free credit report consultation without signing up for a membership. To request a free consultation, you must visit the Lexington Law website and submit your:

  • Name;
  • Email address;
  • Phone number;
  • Mailing address.

The company pulls your credit report through a soft inquiry, which doesn’t affect your score. An agent will contact you to discuss your current credit score and report. After summarizing your report, the agent will suggest strategies to increase your score and will recommend a Lexington Law service level to help improve your credit history.

Sky Blue Credit Repair vs. Lexington Law

Lexington Law is often compared to Sky Blue Credit. While there are many credit repair companies to choose from, these two are among the best. It comes down to whether their specific services fit your needs. If you are stuck between Sky Blue and Lexington Law, try this side-by-side comparison to see which ticks the most boxes for your unique credit repair situation.


In order to vet any service, you should look into the experiential background of the company. Historically, the Fair Credit Reporting Act wasn’t passed until the 1970s, and credit reporting didn’t become nationally recognized and widely accessible until the 80s and 90s. This is when credit repair companies burst onto the scene.

  • Sky Blue founding year: 1989;
  • Lexington Law founding year: 2004.

The emergence of the internet allowed credit repair companies to have quick access to anyone’s credit report, from any location. While Sky Blue was founded in Florida in 1989, it started out as a brick-and-mortar service. In contrast, Lexington Law has been around since the beginning of the online era of credit repair.


Another solid way to assess whether a credit repair agency is right for you is to peruse reviews. These can come in the form of forums, website ratings, blog post roundups, and even official organization ratings.

For example, the Better Business Bureau (BBB) provides accreditation and/or customer review amalgamation, giving you a better picture of how a company treats its customer base.

  • Sky Blue BBB rating: A+, 4.27/5 stars, not accredited;
  • Lexington Law BBB rating: C, 2.07/5 stars, not accredited.

However, read the complaints filed with the website. This can determine whether the rating is accurate. The BBB will also mention any unresolved lawsuits that the company may have underway.


Usually, pricing is straightforward with no hidden fees. If the credit repair company isn’t transparent, that’s a red flag. Luckily, both Sky Blue and Lexington Law have clear-cut, reasonably priced plans.

  • Sky Blue pricing: $79 monthly, all features;
  • Lexington Law pricing: $89.85 to $129.95, three plans.

Of course, obtaining your report and disputing errors is free to do on your own, and the credit repair agencies must acknowledge this. However, receiving help with your credit repair does come with extra benefits.


Perks will vary from agency to agency. For that reason, you could consider this the deciding factor. These perks include extras such as guarantees, cancellation policies, discounts, and more.

  • Sky Blue perks: Free consultation, couples discount, six days of no charges, 90-day money-back guarantee, and the ability to skip a month;
  • Lexington Law perks: Free consultation, cancellation at any time, 50% off the first-work fee for veterans, friend/family/couples discount, and an app.

Perks may fluctuate with time, so make sure to check the corresponding website for details and updates. There are similarities across discounts, but not every credit repair company has a user-friendly mobile app.

Lexington Law App

As a Lexington Law member, you have access to your account both through the company’s online portal and through a mobile app. You can download the smartphone app through an Android or iOS operating system. After you’ve logged into your account, your dashboard provides you with pertinent information, including your FICO credit score and a progress tracker that shows improvements in your score.

The app also provides updates on any new items reported on your credit report and current scores with all three credit bureaus. With 24-hour access to your account, you can track changes and new items to flag any erroneous reports quickly.

If you’re looking for a credit repair company that provides a personalized strategy to increase your credit score, Lexington Law may be right for you. Before activating your membership, review the features of each service plan and ensure you’re prepared to pay the monthly fees for this credit repair and monitoring service.

How Quickly Can Lexington Law Produce Results?

On average, Lexington Law’s clients use the service for six months. While the Credit Repair Organizations Act (CROA) prohibits agencies from promising certain results, this is only in place to protect credit repair customers from fraud. Instead, you can look at Lexington Law’s previous outcomes for customers, giving you a ballpark for your own credit repair timeline.

While Lexington Law cannot make any guarantees, they do demonstrate their commitment to removing items affecting your credit:

“A negative item on your credit is anything in your credit history that could lower your score. It includes things like collections, late payments, charge-offs, liens, bankruptcies, repossessions, and more. Especially if these negative items came as a result of identity theft, divorce, medical debt, student debt or military leave, you may be able to remove them through credit repair.”

The agency also acknowledges that negative items don’t stay on your credit report forever. In fact, they “fall off” after seven or so years, typically. However, if you are looking to buy a home, open a bank account, or another short-term milestone, credit repair from Lexington Law can potentially expedite that process.

Is Credit Repair Worth It?

Credit repair, as a whole, is a legitimate, helpful business. There are protections in place to prevent consumers from experiencing credit scams. Most agencies, Lexington Law included, have solid reputations and experience with helping thousands of active clients.

Credit repair operates on a case-by-case basis. Therefore, depending on your unique credit situation, you can decide whether credit repair assistance is right for you. There are pros and cons to soliciting credit help, but Lexington Law is a legit choice, removing millions of negative credit items for their customers each year.

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