The two biggest names in credit repair, Lexington Law and CreditRepair.com, offer very different services when it comes to credit repair. Both Lexington Law and CreditRepair.com are considered some of the best credit repair companies and have years of experience in the credit repair industry, including helping consumers navigate debt and bankruptcy on their credit reports, but one offers users more choices while the other has a more user-friendly interface. Both are good credit repair companies, but which one should you use? Here are some Lexington Law reviews and CreditRepair.com reviews along with a breakdown of what each of the credit repair services offers:
Price: How much does Lexington Law charge? The credit consultation, which provides a TransUnion summary report, is free. Lexington Law has an array of packages to fit client needs: Concord Standard begins at $89.95/month, next is Concord Premier at $109.95/month, next is their most popular package, PremierPlus at $129.95/month. During the initial consultation, a Lexington Law Credit Consultant will provide the free TransUnion summary report and discuss options. Once a package is selected, there is a one-time fee of $14.99 to obtain and download a full TU credit report to the account.
Features: The Concord Standard package of Lexington Law credit repair offers what we mentioned above, but the Concord Premier package also offers extra scrutiny when it comes to the FTC regulations that lenders must follow when reporting to the credit bureaus. If they aren’t following those regulations, Lexington Law credit repair can request that derogatory information be removed from your report. The Concord PremierPlus package includes that, as well as monthly credit monitoring and identity theft protection. You can compare Lexington Law’s extensive services to sites like The Credit People, which offers the basics in credit repair.
Reputation: Lexington Law’s work is directed by lawyers who have been working in this field since 2004. In 2017 alone, Lexington clients saw 10 million items removed from their reports.
Guarantee: Lexington Law’s guarantee relates to the work that they promise to do for you, so make sure you read over your agreement before you sign anything. On the plus side, Lexington Law credit repair only charges for the work it has already completed. On the downside, it is not a 100% guarantee. Sign up for Lexington Law here or call this Lexington Law phone number (844) 259-3376 to talk to a live person.
Price: CreditRepair.com has one of the most affordable credit repair options at $49.95. Granted, this tier of service from CreditRepair.com offers fewer challenges and inquiries than most standard credit repair services, but it is a good option for those who don’t want to break the bank fixing their credit. CreditRepair.com also offers top tier service, which is $99.95, and offers standard credit repair practices along with credit report monitoring.
Features: Along with clear credit services such as fixing mistakes on your credit report and sending good-faith letters to your creditors, CreditRepair.com also offers monthly credit monitoring, a credit score tracker and analysis, mobile apps and text and email alerts. CreditRepair.com has a great interactive interface that helps you track your progress and help CreditRepair.com increase your credit score. Check our full CreditRepair.com review for more information on features and what consumers are saying in their CreditRepair.com reviews.
Reputation: CreditRepair.com is a legitimate credit repair company with a solid Better Business Bureau rating with an “A+” score. The service is transparent in what it offers and has many years of experience in the credit repair industry as well as many CreditRepair.com reviews from consumers. It also has a relationship with TransUnion, one of the credit bureaus.
Guarantee: CreditRepair.com offers a guarantee if it doesn’t complete the work that you agreed upon, but it does not offer your money back if you are not satisfied. Sign up for CreditRepair.com here or call (844) 764-9863 to talk to a live person.
Simple. Thrifty. Living. does receive compensation for some of the services that we recommend, although we have strict editorial guidelines and only recommend services that we truly believe are the best.
CreditRepair.com is also a big name in credit repair, so customers have a fair number of opinions on CreditRepair.com’s service. Here are a couple of areas that online reviews usually touch on when talking about CreditRepair.com:
Interface review: CreditRepair.com is not your father’s credit repair, meaning that it is more in-tune with the next generation of credit users. CreditRepair.com is one of the most technologically driven credit repair services, with a sleek user-interface that helps you track your credit repair more easily. It also has a great mobile platform that also helps you track your progress. Many other credit repair companies don’t offer these upgrades, which gives CreditRepair.com the edge when it comes to reviews about user interfaces.
Extras review: CreditRepair.com also offers extras that some of the more basic credit repair services do not offer. With CreditRepair.com, you get monthly updates on your credit reports and scores, as well as identity theft protection, which can be a nice perk. These extra perks usually give them an edge in online reviews of credit repair companies.
Results review: One of the main criteria of credit repair reviews that people look for is whether the services can produce results or not. This is actually really hard to gauge for outside reviewers because every case of credit repair is different, since every credit report is different. Generally, you can look to individual user reviews to get a better idea of how good a credit repair service is at getting results, although, in general, it tends to be a mixed bag for most of the top services.
Overall, our review is that Lexington Law provides more choices and a more reliable service than CreditRepair.com. If you want an interactive interface that helps you track your score and is more user friendly, you can try CreditRepair.com, but we think that between the two companies, Lexington Law is the better deal and offers better service.
Lexington Law is the oldest and biggest name in credit repair, so while it gets a lot of good accolades, it also has its share of negative feedback in some Lexington Law credit repair reviews.
Not raising credit score significantly: Does Lexington Law work? Lexington Law credit repair reviews say both yes and no. This is a tricky one for Lexington Law since there really is no guarantee that it can raise your credit score. In fact, it’s illegal for any credit repair company to guarantee a rise in your credit score, according to the Credit Repair Organizations Act, which is part of the Consumer Credit Protection Act. All that Lexington Law can do is what it promises to do, including negotiating with your creditors and petitioning the bureaus to remove items from your report to try to raise your credit score. While Lexington Law will do the work to improve your credit report and credit score, there is no guarantee that your creditors or the credit bureaus will comply. Still, people tend to get upset when they pay for a service and it doesn’t produce results, which has resulted in many complaints against Lexington Law and many of the negative Lexington Law reviews.
Taking too long: One of the other big complaints about Lexington Law credit repair seen in Lexington Law firm reviews is that it can take too long to improve credit scores. Since Lexington Law charges a fee every month, the longer it takes to repair your credit score and credit report, the more you will end up paying in your total Lexington Law cost. Lexington Law advises to not submit too many changes to your credit report at one time as the credit bureaus can see this as trying to game the system, which can be true, although the credit bureaus are not completely clear on if this is common practice or not. Lexington Law has also been accused in some Lexington Law firm reviews of dragging out the process of credit repair and score improvement to charge customers more, which could be true, so it is important for consumers to keep a close watch on their credit repair process and cancel the service if they feel it is taking too long to improve their credit score or that the Lexington Law cost has climbed too high.
Advertising Disclaimer: Simple. Thrifty. Living. does receive compensation for some of the services that we recommend, although we only recommend services that we truly believe are the best.