What Lexington Law Costs
Lexington Law offers three core credit repair service levels to fit every need and budget, ranging from $89.85 to $129.95. No matter what option you choose, we start by obtaining your credit reports and working with you to determine what questionable negative items we can help you target.
From there, we’ll send dispute letters about those questionable negative items to all three credit bureaus and your creditors. Credit repair is rarely easy, but we stand by our process and will escalate issues as necessary. We also provide personalized analysis and credit counseling education to help you manage your credit wisely moving forward.
Cost: $129.95 per month
Premier Plus is our highest and most inclusive level of credit repair. It covers everything in the Concord Premier package, as well as cease and desist letters, a FICO® Score tracker, identity protection resources and personal finance tools.
Cost: $109.95 per month
Concord Premier is our moderate level of credit repair service. It includes everything from Concord Standard, plus score analysis, TransUnion alerts, ReportWatch and InquiryAssist.
Cost: $89.85 per month
Concord Standard is our basic package. It includes bureau challenges and creditor interventions.
Additional Questions About Our Costs
If you cannot find an answer to your question below, you can call one of our representatives for assistance.
What if I cannot afford credit repair?
When you have credit problems, $89.95 a month can feel like an impossible expense. We understand that many people who have suffered at the hands of the credit reporting system find themselves in a position where extra spending money is hard to come by.
While credit repair may seem like an unnecessary luxury, the potential savings that can be achieved by taking control of your credit far outweighs the cost. An improved score could save you thousands of dollars over the lifetime of a loan. Very few investments have the potential for such an amazing return.
That being said, even if you cannot afford Lexington Law’s services today, we still want to help you with your credit. That’s why Lexington Law offers a free online credit assessment, with information on how your credit score is calculated, how to read your credit reports and some simple steps you can take to start working on your credit score.
You can also call Lexington Law at 833-335-6639 for a FREE credit report consultation from one of our trained credit repair advisors.
You can also attempt to repair your credit reports on your own. While it can be a time-consuming and frustrating chore, a good credit score is worth the effort. To get started, you can learn more about the credit reporting system on our blog.
Are automatic drafts or credit cards required?
Yes—Lexington Law only accepts payments as electronic drafts or credit card drafts. In accordance with the Credit Repair Organizations Act, Lexington Law does not charge for services until they are completed.
What is an electronic transfer?
An electronic transfer works just like a bank debit card. You provide us the authorization to withdraw a specific amount from your checking account on a arranged date each month. The withdrawal will show up on your bank statement, just like your debit or ATM card.
The Credit Repair Organizations Act requires that credit repair companies do not charge for services until after they have been completed.
This protects you from fraudulent credit repair organizations that charge large upfront fees and then do not provide the agreed-upon services.
Additional Questions About Credit Repair
If you are curious about the process of credit repair, or unsure if it can be helpful in your particular situation, don’t hesitate to call one of our credit repair advisor for a free credit report consultation at 833-335-6639.
What is credit repair?
Credit repair is not a magic solution that solves your debt and credit history problems. It is also not a way to make accurate negative items disappear from your credit report. Legitimate credit repair is the process of addressing the questionable negative items that could be hurting your credit profile. The bureaus and creditors are asked to verify/confirm that these questionable items are being reported fair, accurate and substantiated.
How can you tell a credit repair company is legitimate?
Before working with a credit repair company—no matter how much they charge—make sure they are legitimate. Promises to wipe your credit clean or guarantees to have any impact on your credit score are and should be red flags. No credit repair company can make these promises legitimately. You also want to work with a company with a good track record and an intimate knowledge of the legal and financial details involved in dealing with credit.
What is bad credit?
Generally speaking, credit scores can be anywhere from 300 – 850, depending on the credit scoring method. A good credit score is anything above 650. The credit bureaus typically rank anything below 580 as poor, or bad credit.
What can you do about bad credit?
There are five main contributing factors that make up your credit score—payment history, credit usage, credit age, credit mix and recent credit. The most important of these factors is your payment history, which can be directly influenced by credit repair.