November 26, 2018

Lexington Law vs. Which Credit Repair Is Best?

Simple. Thrifty. Living.

The two biggest names in credit repair, Lexington Law and, offer very different services when it comes to credit repair. Both Lexington Law and 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 reviews along with a breakdown of what each of the credit repair services offers.

Best Credit Repair Companies of 2019

RankCredit Repair ServiceBest ForMonthly FeeBBB RatingExpert Rating
1Lexington Law Credit RepairOverall Coverage$89.95N/A★★★★★
2Sky Blue Credit RepairValue for Price$79A+★★★★★
4The Credit PeopleTrial Period$89A-★★★★
5Pyramid Credit RepairCustomer Service$99N/A★★★

Best Credit Repair Companies of 2019

RankCredit Repair ServiceExpert Rating
1Lexington Law★★★★★
2Sky Blue Credit Repair★★★★★★★★★★
4The Credit People★★★★
5Pyramid Credit Repair★★★

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. 

Lexington Law Review

Lexington Law website

Lexington Law Review image
  • Signing up: It can be easier to call Lexington Law at (844) 259-3376 so they can walk you through the steps of signing up, or you can sign up on the website here.
  • Known for: Cadillac of credit repair. With decades of credit repair experience, Lexington Law is known for offering features and services that other credit repair companies cannot match, and Lexington Law credit repair reviews reflect that.
  • Price: Lexington Law actually has three different tiers of service, which cost $89.95/month, $109.95/month or $129.95/month, depending on the service you choose. Lexington Law credit repair is a little pricier, but that’s because of the extra level of service it provides.
  • Features: The first tier of service, Concord Standard, offers the repair fundamentals, including fixing mistakes on your credit report, sending good faith letters to your lenders and looking for legal loopholes to get your credit score back to where it should be. The second tier, Concord Premier, adds a second level of assistance, as well as monthly credit monitoring and a credit score improvement analysis. The third tier, PremierPlus, adds identity fraud alerts and personal finance tools to help you monitor your finances.
  • Low cost alternative: Lexington Law does offer a low-cost credit repair option (Lex OnTrack) for $24.95 per month, which offers a minimum of credit repair features and can can be a good alternative for those who are looking to move the needle on their credit score without spending a lot of money each month. You do need to call Lexington Law to inquire about this option.
  • Cancellation: Lexington Law’s services are month-to-month, so you can cancel at any time.
  • Guarantee: Lexington Law credit repair only charges for the work it has already completed.
  • Customer service: Lexington Law has a comprehensive customer service network which can be very helpful, including phone, email and chat.

Price: 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, also offers monthly credit monitoring, a credit score tracker and analysis, mobile apps and text and email alerts. has a great interactive interface that helps you track your progress and help increase your credit score. Check our full review for more information on features and what consumers are saying in their reviews.

Reputation: 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 reviews from consumers. It also has a relationship with TransUnion, one of the credit bureaus.

Guarantee: 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 here or call (844) 764-9863 to talk to a live person. Review website Review image
  • Signing up: It can be easier to call at (844) 764-9863 so they can walk you through the steps of signing up, or you can sign up on the website here.
  • Known for: Popularity. is one of the most popular credit repair companies, partly because of its name and many reviews, but also because it includes so many extras such as identity theft protection.
  • Price: offers a top tier service at $99.95, which includes all of their bells and whistles, including identity theft protection and credit report monitoring. This tier of service offers the basics of credit repair (credit bureau challenges, good interventions, etc.) without some of the standard practices that other credit repair companies offer. (There is also a $14.99 charge to pull your credit reports.)
  • Features: offers the basics of credit repair, including good faith letters, fixing mistakes on your report and using loopholes to contest items on your report. It also communicates directly with furnishers and the credit bureaus to make sure changes have been made. In addition, they will monitor your credit and offer a sleek user interface to help you track your progress.
  • Cancellation:’s services to repair your credit score are month-to-month, so you can cancel at any time.
  • Reputation: comes with a solid reputation and an A+ rating from the Better Business Bureau.
  • Guarantee: Just like Lexington Law, will only charge you for the month once they have completed the work you agreed upon.
  • Customer service: has a sleek user interface, which makes the need for customer service less, but their customer service is still solid.

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. is also a big name in credit repair, so customers have a fair number of opinions on’s service. Here are a couple of areas that online reviews usually touch on when talking about

Interface review: is not your father’s credit repair, meaning that it is more in-tune with the next generation of credit users. 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 the edge when it comes to reviews about user interfaces.

Extras review: also offers extras that some of the more basic credit repair services do not offer. With, 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 If you want an interactive interface that helps you track your score and is more user friendly, you can try, 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.

  • Praying that they can help me.!

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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.