Lexington Law Review: How Does It Stack Up to CreditRepair.com?

Written By Jeff Hindenach
Last updated February 2, 2021

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Credit Repair
December 6, 2020

Simple. Thrifty. Living.

Lexington Law and CreditRepair.com are the biggest names in credit repair. However, they offer very different services when it comes to credit repair. According to credit repair reviews across the web, both are considered some of the best companies and have years of experience in the credit repair industry. They both help members 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. So, which one should you use? Here are some reviews of the companies along with a breakdown of what each of the credit repair services offers.

The 7 Best Credit Repair Companies

RankCredit Repair ServiceBest ForMonthly FeeExpert Rating
1Lexington Law Credit RepairOverall Service$89.95★★★★★
2CreditRepair.comExtra Features$99.95★★★★★
3Sky Blue Credit RepairAffordability$79★★★★★
4The Credit Pros Comprehensive Services$69★★★★
5Credit SaintTransparency$79.99★★★★
6The Credit PeopleTrial Run$79★★★★
7Pyramid Credit RepairNo Initial Fee$99★★★


How much does Lexington Law charge? The credit consultation is free. Then, you pick a package. Lexington has an array of packages to fit client needs:

  • Concord Standard begins at $89.95/month
  • Concord Premier at $109.95/month
  • PremierPlus at $129.95/month

Once a package is selected, there is a one-time fee of $14.99 to obtain and download a full TransUnion credit report to the account.


What features are offered? First, the Concord Standard package 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.

Second, the Concord PremierPlus package includes that, as well as monthly credit monitoring and identity theft protection. You can compare it’s extensive services to sites like The Credit People, which offers the basics in credit repair.


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.


It’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. If you are looking for a good option for a guarantee, Credit Saint offers a 90-day money-back guarantee if it can’t remove any items from your credit report within the first 90 days. Check out Credit Saint reviews to get the full story about the company.

Sign up for Lexington Law here or call (844) 259-3376 to talk to a live person. 

Lexington Law Review

Lexington Law website

Lexington Law Review image
  • Free Consultation: You can call Lexington Law at (844) 259-3376 so they can walk you through the steps, or 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.
  • 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. There’s also an initial fee of $99.95, plus $14.99 to pull your credit reports.
  • Features: The first tier of service, Concord Standard, offers the repair fundamentals, including resolving errors on your report, sending good faith letters to your lenders, and looking for regulatory 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.
  • Reputation: If you want the greatest service on the books, Lexington Law is a good bet. It has been around longer than most of the other credit repair services, and it scores an “A-” with the Better Business Bureau.
  • Cancellation: Lexington Law’s services are month-to-month, so you can cancel whenever you need to.
  • Guarantee: Lexington Law’s guarantee relates only to the credit help promised to you, so read over your agreement carefully before you sign anything. Here is a full Lexington Law review.
  • Customer service: Lexington Law has a comprehensive customer service network which can be very helpful, including phone, email and chat.

Advertising disclosure: Simple. Thrifty. Living. upholds the strictest editorial standards, and advertising never influences our ranking. We do, however, receive compensation from some of the third-party advertisers who appear on the site. These advertisers don’t have any influence over our editorial content or rankings.


CreditRepair.com offers top tier service at $99.95. This offers standard credit repair practices along with credit report monitoring. If you are looking for a more affordable service, check out our Sky Blue review here.


Along with clear credit repair services such as fixing mistakes on your credit report and sending good-faith letters to your creditors, it also offers monthly credit monitoring, a credit score tracker and analysis, mobile apps and text and email alerts.

Need an easy-to-use website? Creditrepair.com has you covered. It has a great interactive interface that helps you track your progress and help the company increase your credit score. Check our full CreditRepair.com review for more information on features and what consumers are saying.


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.


It 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.

Keep in mind that credit repair cannot help you with your debt. If you need debt help, check out one of the many debt relief companies. Our Freedom Debt Relief review details what you can expect, and check out the Accredited Debt Relief review to compare the top products.

CreditRepair.com Review

CreditRepair.com website

CreditRepair.com Review image
  • Free Consultation: It can be easier to call CreditRepair.com at (844) 764-9863 so they can walk you through the steps, or you can sign up on the website here.
  • Known for: Popularity. This is one of the most popular credit repair companies, partly because of its name and many CreditRepair.com reviews, but also because it includes so many extras such as identity theft protection.
  • Price: It 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: This company 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 offer a personalized dashboard (like many online investment sites) and visual representation of your credit score to help you track your credit repair progress.
  • Cancellation: It’s services to repair your credit score are month-to-month, so you can cancel at any time.
  • Reputation: The company comes with a solid reputation and an A+ rating from the Better Business Bureau. On average, it reports a 7 percent decrease in the number of questionable negative items for its clients each month. See our full CreditRepair.com review here.
  • Guarantee: Just like Lexington Law, they will only charge you for the month once they have completed the work you agreed upon.
  • Customer service: It 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 reputable. 

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

Interface review

This is not your father’s credit repair. What does that mean? The company is more in-tune with the next generation of credit users. It 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

It also offers extras that some of the more basic credit repair services do not offer. With this company, 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 it work? Lexington Law credit repair reviews say both yes and no. This is a tricky one for they company 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 it 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 the company and many of the negative Lexington Law reviews.

Taking too long

One of the other big complaints about the company seen in Lexington Law firm reviews is that it can take too long to improve credit scores. Since it 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. It 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.

It 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.

About the Author

Jeff Hindenach

Jeff Hindenach is the co-founder of Simple. Thrifty. Living. He graduated from Bowling Green State University with a Bachelor's Degree in Journalism. He has a long history of financial journalism, with a background writing for newspapers such as the San Jose Mercury News and San Francisco Examiner, as well as writing on personal finance for The Huffington Post, New York Times, Business Insider, CNBC, Newsday and The Street. He believes in giving readers the tools they need to get out of debt.

  • Praying that they can help me.!

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