How Lexington Law works

Lexington Law is an industry-leading credit repair firm operating since 2004. Lexington Law uses a proven process to help our clients work to repair any inaccurate and unfair negative items—like late payments or collections—that are wrongfully hurting their credit.

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How credit repair works? » Our core features » Meet our attorneys » Frequently asked questions » What our clients are saying »

How credit repair works

Credit repair is a multistep process that focuses on auditing your credit report and finding and disputing errors. Here are the basic steps we take to repair your credit:

Step 1

Credit report analysis

We obtain your credit reports and create a plan targeting the questionable negative items affecting you credit score.

Step 2

Credit disputing

Our team will send the appropriate correspondence to dispute and challenge inaccurate negative items on your behalf.

Step 3

Dispute escalating

For negative items requiring additional correspondence, we keep the process going and ensure your credit right are fairly represented.

Step 4

Credit monitoring

Through the online portal and app, we offer 24/7 access to you credit score analyses’ and credit counseling solutions to help you reach your credit goals.

Our core features

No cost to start

Get started at no cost for 5-15 days and delve into your “Case Setup,” where together, we’ll match your questionable credit report LIES with just the right legal interventions and challenges.

Complete credit visibility

From your client dashboard, you can monitor progress being made on your case, activity on each of your three credit reports, and evaluate what factors are positively or negatively impacting your credit score.

Fight for your reputation

We direct tough questions to predatory lenders, greedy credit card issuers, and abusive debt collectors to legally challenge any information that is unfairly reported or cannot be substantiated.

Powerful legal support

Unlike other companies, we have a team of lawyers guiding our credit repair process. With the help of our experienced attorneys and paralegals, we help clients address unfair, inaccurate and unsubstantiated items on their credit.

Challenges to multiple credit bureaus

We strategically challenge inaccuracies and discrepancies on your reports with all three major credit bureaus, ensuring a thorough and comprehensive approach to credit repair.

Chat with experienced credit consultants

Our team is here to support you every step of the way. Our credit consultants can support you via web chat for any questions you might have about your credit, the status of your case or any changes to your account.

Ready to get started?

When you engage Lexington Law Firm, billing is straightforward.
Similar to an electric utility bill, we invoice at the end of each service period for completed work.

Start today for $0

Then $139.95 a month after

Frequently Asked Questions

Do credit repair services work for everyone?

Credit repair services are not for everyone. Credit repair can help you work to remove inaccurate, unfair or unsubstantiated negative items from your credit reports. If the negative items on your credit reports have been accurately reported, then they cannot be removed. Credit repair is the best option if you have, or suspect that you have, errors in your credit profile.

If you’re curious about whether or not credit repair is the right option for you, we recommend that you fill out our free online credit assessment.

How long does it take to repair credit?

There’s no way to predict in advance how long it will take to repair your credit, as every credit report is unique. However, last year alone, Lexington Law clients saw over 4 million removals on their credit reports, and typically stayed with us for six months. Learn more about the credit repair timeline. Learn more about how we count removals.

Also, Lexington Law offers a variety of service levels, and the strength and amount of credit repair increases with each upgrade.

Does checking your credit hurt your score?

Absolutely not – in fact, we encourage you to check your credit score and credit reports regularly. Checking your own credit score is what’s known as a “soft inquiry,” and does not harm your credit.

A “hard inquiry” is what happens when you apply for a new line of credit – such as a credit card – and a lender checks your credit. Multiple hard inquiries in a short time frame may have a negative impact on your credit score.

For more information on the difference between soft and hard inquiries, you can learn more in this article.

How long do negative items stay on your credit report?

Most negative items will fall off of your report after seven years, though some deletions may take as long as 10. The truth is that the credit grantor or the credit bureau can choose to delete the negative credit listing at any time, especially when you give them a reason to do so. If you’d rather not wait that long, credit repair is a great alternative.

Our ratings and reviews

“They are great. They care about you and truly want to ensure they are helping you the best way they can. With their help, 11 negative items were removed from my credit report, and I completely trust them. You will know the next steps and plan that is best for you and your current situation.”

Robert P

Colorado | April 2023

“I recommend Lexington Law Firm to ALL of my friends. I’ve never had any issues and they offer a feature that if you pay your bills on time, it will help build your credit history without having to get a new credit card. 😉 When I started my credit journey, I had negative items and a few hard inquiries on my credit. Lexington Law helped me to start fresh. Very grateful for their service.”

Justine D

New Hampshire | February 2023

“The staff at Lexington Law is knowledgeable, courteous and patient. This is something new for me, and they were very patient with me explaining the process and my responsibilities. You’re in good hands with Lexington Law.”

Yvonne T

Georgia | February 2023

“I have been with them for years, and let me say they do not stop working around the clock for your credit! They don’t just send one little letter either. They have a whole process of letters and fight for you! They have and are helping me so much!”

Natasha M

Oklahoma | May 2023