Lexington Law has been one of the largest and most respected credit repair companies for many years. In 2019 the Consumer Financial Protection Bureau sued Lexington Law for illegal billing and deceptive marketing practices. Here’s what you need to be aware of before choosing Lexington Law for your credit repair needs.
In the past, Lexington Law has been a popular resource for people who have little knowledge of credit or don’t have time to repair their own credit. The Company advertised heavily and was well known online
However, in light of the charges filed against Lexington Law for shady business practices, it seems prudent to consider steering clear until we learn more.
Besides, Lexington Law’s prices are some of the highest in the credit repair industry.
Let’s look at the pros and cons of Lexington Law.
Lexington Law Review and Ratings
In the past, Lexington Law has been a popular resource for people who don’t have time to repair their own credit. Lexington Law’ has been charged with illegal billing and deceptive marketing practices by the Consumer Financial Protection Bureau, and for now, it seems prudent to steer clear of them.
You're hiring a law firm
Extensive Education Tools
Multiple Plan Options
'C' Rating With BBB
Pending Government Lawsuit
Questionable Business Ethics
High Plan Costs
Top Alternatives to Lexington Law
We selected 3 companies based on historical performance, value for money, customer reviews, and industry awards.
8/25/19: Read the latest news – [UPDATE] Government Lawsuit Vs. Lexington Law
Lexington Law Credit Repair and CreditRepair.com (both subsidiaries of the same parent company, Progrexion) are well known in the industry for aggressive marketing tactics.
On May 2nd, 2019, a Federal complaint was filed against Lexington Law and CreditRepair.com alleging that they were actively involved or complicit in deceptive and abusive practices perpetrated against their consumers.
As a former attorney, I was pretty shocked to hear that the CFPB had filed a lawsuit against a U.S. business.
In 2017 President Trump appointed Mick Mulvaney, a long-time critic of the CFPB, to head the agency. Mulvaney took no significant enforcement actions and even closed the agency’s complaint database to the public.
However, in December 2018, Mr. Mulvaney stepped aside, and Kathy Kraninger was appointed the new Director of the Consumer Financial Protection Bureau.
Her first significant enforcement action was filed in Federal Court against Lexington Law for violations that allegedly started in 2011.
The suit alleged that Lexington Law demanded up-front payment for its services, which is illegal, and made deceptive promises and offers in its advertising.
We’ll see how this ultimately plays out, but I think most people would agree that it’s not looking good for this company.
You can read more about the specific allegations and deceptive practices later in this article.
Who Is Lexington Law?
Lexington Law began offering credit repair services in 1991.
It is an actual law firm and operates as a dba for John C. Heath, Attorney at Law, PC.
Many credit repair companies have come and gone over the past 25 years, but Lexington Law has been a stalwart in the credit repair industry.
However, that longevity doesn’t necessarily come with the best reputation.
The Better Business Bureau (BBB) grades Lexington Law Firm a ‘C’ with over 500 complaints filed in the last three years. Complaints include overpromising on credit score gains, failure to get results, and overcharging for services.
If you are considering a credit repair service you probably have one core question: Can Lexington Law remove latew payments, collection accounts, repossessions, and inquiries from your credit report?
The true answer is, ‘yes and no.’ Or, ‘it depends.’
Credit repair companies regularly have success removing inquiries, late payments, repossessions, and unpaid collections.
But this depends on each specific account and the circumstances around it.
Does Lexington Law Work?
Lexington Law claims that it had over 10 million removals in 2017.
While that number is definitely impressive, you can do it yourself just as effectively with the help of articles like ‘How Can I Dispute a Credit Report Entry’.
Lexington Law sends intervention letters to creditors and challenge letters to credit agencies on behalf of their customers. Customers can take advantage of the following legal services in selected states:
- General Litigation & Services
- Child Custody
- Criminal Defense
- Property & Water Rights
- DUI Defense
- Select Pro Bono Cases
What Makes Them Different?
Lexington Law’s education tools are some of the best offered in the credit repair industry.
They also address harassing communications from collections companies and creditors, which is a standard service offered by most credit repair companies.
The clout that comes with your credit repair company being a legitimate law firm, whether perceived or real, is definitely alluring to consumers.
2019 Lawsuit Against Lexington Law
The Bureau for Consumer Financial Protection (CFPB) filed a complaint against Progrexion, the parent company of Lexington Law, in May of 2019.
In the lawsuit, they allege that Progrexion (doing business as (DBA) Lexington Law) engaged or was complicit in deceptive and abusive marketing practices. There are many more very troubling and unethical business practices alleged in the 48-page complaint which you can read for yourself here.
The law firm has several affiliate companies that make money by finding prospective customers and referring them to Lexington for their credit repair services.
Fake Rent-to-Own Housing
Lexington Law’s largest affiliate would advertise on CraigsList or Facebook that they had ‘Rent to Own’ opportunities available, when, in fact, they did not have any housing for rent.
When people would call to inquire into the ‘Rent to Own’ housing, the affiliate would ask them qualifying questions.
Instead of asking questions that would be typical of a possible ‘Rent to Own’ tenant, they asked them the qualifying questions necessary for Lexington Law to pay them a commission.
The potential tenant would then be told that they did not qualify because of bad credit, even though they never ran a credit check.
However, they would tell them that if they signed up for Lexington Law’s credit repair services, they would then be guaranteed to qualify for the ‘Rent to Own’ program.
Smoking Gun E-Mails: Management Knew
Lexington Law executives and management staff exchanged multiple emails amongst themselves and the affiliate that indicate Lexington Law was involved in this scam or at the least knew of it and did nothing.
In one instance, Lexington Law staff exchanged emails discussing how the affiliate’s script included promises that were clearly deceptive and contrary to CFPB rules.
Instead of demanding the affiliate to cease and desist, they tried to find a way for Lexington Law associates to not be on the phone with the affiliate when the client was illegally misled to specifically induce the client to sign up for Lexington Law’s credit repair services.
There are many more very troubling and unethical business practices alleged in the 48-page complaint which you can read for yourself here.
What Does Lexington Law Credit Repair Services Cover?
Lexington Law works with their customers to ensure that their credit reports only contain fairly reported, accurate, and fully substantiated records.
They will work with the client to identify questionable records and then dispute or repair negative reported items in their credit file.
They do this by offering three levels of service plans:
Concord Standard Service
The Concord Standard Service is the bargain basement plan that includes bureau challenges and creditor interventions.
Lexington Law will send letters to the three major credit bureaus and your creditors on your behalf with the goal of having negative records removed.
This is the most affordable out of the flour plans.
Concord Premier Service
With the Concord Premier Service, you will receive everything included in the Concord Standard plan and some other services.
By bumping up to the Concord Premier plan you gain access to InquiryAssist, Score Analysis, ReportWatch, and TransUnion Alerts.
These services will help monitor your credit reports and better understand your credit score.
Keep in mind that many of these same services offered in this plan can usually be accessed for free from your existing tradeline providers or free credit score type sites.
Premier Plus Service
The Premier Plus Service plan is the Cadillac of Lexington Law’s product offerings.
With this plan, you can really get the firepower of the law firm behind you.
In addition to everything included in the Concord Standard and Premier plans, they will send cease and desist letters to aggressive collection companies on your behalf.
Remember that you can send your own cease-and-desist letters.
The Premier Plus Service also includes a better credit monitoring service that includes identity theft protection and fraud monitoring.
What Does Lexington Law NOT Cover?
They will not (or should not) promise that you will see positive results and cannot guarantee that your credit score will improve.
The Fair Credit Reporting Act has specific statutes and provisions that do not allow credit repair companies to mislead or exaggerate to prospective consumers.
☝️ Because of the guidelines laid out by the CROA, no credit repair company can Guarantee the fixing of bad credit.
How Much Do Lexington Law Firm Credit Repair Services Cost?
The first step is to select one of the three credit repair service plans offered.
They charge an initial start-up fee of 6.99 that is used to purchase a copy of your TransUnion credit report, with services beginning a few days later.
Or you can choose “QuickStart my Case” for $14.99 and have your credit repair process start almost immediately.
The three service plans offered progressively get more expensive as you elect to have more services provided.
|Plan||Initial Fee||Monthly Cost|
|Concord Standard Service||$6.99||$89.95|
|Concord Premium Service||$6.99||$109.95|
|Premium Plus Service||$6.99||$129.95|
Lexington Law Reviews
Many Lexington Law customers feel like they were misled when they signed up.
There is a common theme in that some customers believed that by signing up with Lexington Law Credit Repair Services their credit scores were guaranteed to increase.
The CFPB lawsuit filed against them in May 2019 alleges that Lexington Law took part in deceiving potential customers.
Lexington Law reviews from their customers averaged a 3.1 rating out of 5.0.
While on its face, that isn’t a horrible number, it is actually the lowest rating of any of the credit repair companies we reviewed…
|Review Site||Customer Average Rating|
|Credit Knocks Reviews Avg. Rating||3.3|
|Yelp Reviews Avg. Rating||2.0|
|Google Reviews Avg. Rating||3.8|
|Better Business Bureau Avg. Rating||2.3|
|Consumer Affairs Reviews Avg. Rating||3.2|
|Best Company Reviews Avg. Rating||4.0|
|CUSTOMER REVIEWS AVG. RATING||3.1|
Who Is Lexington Law For?
Lexington Law helps people with bad credit remove negative records from their credit files.
If they succeed in removing negative records your credit file your credit score can increase significantly.
👉 Statistically, Lexington Law Firm clients have seen impressive credit report results, with an average of 10.2 items, or 24% of their representing negatives, removed within 4 months.
Lexington Law claims that one negative record can cut 100 to 200 points from your credit score.
What To Expect After You Sign Up
After you sign up, you will receive your TransUnion credit report electronically at your designated email address, along with a copy in the mail.
Lexington Law does not accept faxes, and you will need to send your credit report to them by email or mail.
Once they receive your credit report, they will enter all negative items into the Case Valet program for you to review.
The next step will be for you to provide details on how each negative report affected your credit or identify records with a possible inaccuracy.
💡 Lexington Law credit repair specialists will be able to start helping you as soon as you fax or email your credit reports and identify questionable records in Case Valet.
Five to ten business days after you complete your detailed examination of the negative items they will determine the best strategy for your account.
They then will prepare necessary intervention letters for your creditors and challenge letters to the credit bureaus.
You will regularly receive updated credit reports from the big three credit agencies.
Lexington Law Mailing Address:
360 N Cutler Dr
North Salt Lake, UT 84054
Lexington Law Contact Information
Lexington Law has offices and professional legal affiliations in many locations around the U.S.
Here is a list of all of Lexington Law Firm’s locations, phone numbers, and addresses.
|AL||Birmingham||(833) 792-6000||2100 South Bridge Parkway, Suite 650, Birmingham, AL 35209|
|AZ||Phoenix||(919) 568-3835||US Airways Center, 201 E Jefferson St, Phoenix, AZ 85004|
|AZ||Phoenix||(833) 333-7566||2133 W Peoria Ave, Phoenix, AZ 85029|
|AZ||Phoenix||(844) 236-5024||20620 N 19th Ave, Phoenix, AZ 85027|
|AZ||Tucson||(833) 333-8077||203 W Cushing St, Tucson, AZ 85701|
|CA||Los Angeles||(919) 568-3832||4550 W Pico Blvd, Los Angeles, CA 90019|
|CA||San Diego||(919) 568-3838||969 Ninth Ave, San Diego, CA 92101|
|CO||Denver||(919) 568-3849||2540 Holly St, Denver, CO 80207|
|FL||Jacksonville||(919) 568-3842||2199-2031, Clemson Rd, Jacksonville, FL 32217|
|FL||Jacksonville||(833) 333-7466||111 N Julia St, Jacksonville, FL 32202|
|ID||Idaho Falls||(833) 792-9000||1935 International Way, Idaho Falls, ID 83402|
|IL||Mundelein||(833) 791-6000||24370 West Old Oak Dr, Mundelein, IL 60060|
|IN||Indianapolis||(919) 568-3847||2998-2900, Boulevard Pl, Indianapolis, IN 46208|
|KS||Overland Park||(833) 791-4000||7015 College Blvd Suite 375, Overland Park, KS 66211|
|LA||Gretna||(833) 791-7000||401 Whitney Ave Suite 126, Gretna, LA 70056|
|LA||New Orleans||(800) 768-2305||3520 General De Gaulle Dr #1035, New Orleans, LA 70114|
|MA||Boston||(919) 573-8472||98-50 Turner St, Boston, MA 02135|
|MI||Warren||(919) 568-3829||25879 Hoover Rd, Warren, MI 48089|
|MI||Sterling Heights||(919) 568-3830||37399, 37201 Maas Dr, Sterling Heights, MI 48312|
|MI||Waterford Twp||(833) 333-7266||2745 Pontiac Lake Rd, Waterford Twp, MI 48328|
|MS||Jackson||(833) 333-8177||234 E Capitol St, Jackson, MS 39201|
|NY||New York||(833) 336-0339||225 Broadway #3800, New York, NY 10007|
|NC||Charlotte||(919) 568-3846||2399-2301, Warburton Rd, Charlotte, NC 28211|
|OH||Columbus||(919) 568-3845||3462-3614, Greenwich St, Columbus, OH 43224|
|OK||Oklahoma City||(833) 792-7000||7725 W Reno Ave #370, Oklahoma City, OK 73127|
|PA||Philadelphia||(919) 568-3836||1501-1599, N Woodstock St, Philadelphia, PA 19121|
|PA||Pittsburgh||(833) 792-3000||437 Grant St Suite 1240, Pittsburgh, PA 15219|
|SC||Bluffton||(833) 333-8377||181 Bluffton Rd Suite F-202, Bluffton, SC 29910|
|TN||Nashville||(919) 573-9217||666 Alley, Nashville, TN 37212|
|TX||El Paso||(844) 236-5024||Union Bldg East, El Paso, TX 79902|
|TX||Houston||(919) 568-3834||10100, 10148 Sangerbrook Dr, Houston, TX 77038|
|UT||North Salt Lake||(833) 333-7977||360 N Cutler Dr, North Salt Lake, UT 84054|
|VA||Stafford||(919) 568-3831||59 Quarry Rd, Stafford, VA 22554|
How Do I Cancel Lexington Law Membership Online
Unfortunately, there is no way to cancel Lexington Law services online.
I know this news is frustrating since most of us would prefer to click a couple of cancel buttons and fill out a quick feedback form.
The only way to cancel your membership with Lexington Law is to contact them by phone at: (800) 341-8441 between the hours of 7 a.m. – 7 p.m. (MST) Monday – Friday.
I have seen Lexington Law BBB responses to complaints that seem to indicate that you may also be able to cancel by email.
Lexington representatives refer to cancellations received by email in their responses to BBB complaints.
In any case, make sure that you receive confirmation of your cancellation in writing.
Keep in mind that once you cancel they will bill you one final time on your monthly billing date because they charge for services after they are completed.
Best Alternative To Lexington Law Firm
Understandably with everything going on with Lexington Law, you may want to consider another credit repair company. Credit Saint received the best reviews of any company we looked at.
They have been in business since 2004 and have an attorney as their founder.
Credit Saint and The Credit Pros have an A+ from the Better Business Bureau and offer competitive pricing with unlimited disputes.
Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements, or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved, or otherwise endorsed by any of these entities prior to publication.