How Much Does Lexington Law Cost

How Much Does Lexington Law Cost?

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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.

Premier Plus

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.

Concord Premier

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.

Concord Standard

Cost: $89.85 per month

Concord Standard is our basic package. It includes bureau challenges and creditor interventions.

The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.

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.

Get started today with your FREE online credit consultation

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.

How does Lexington Law protect my information?

The Lexington Law website uses high-grade encryption on all signup pages to protect your personal information. Our 256-bit encryption prevents others from being able to view your information as it travels across our network....

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When are funds drafted?

Our first work fee is charged 5-15 days after engaging our service. This first work fee is separate from your monthly billing cycle and is the charge to set up your account. It includes gathering your credit information, helping you choose challenge reasons, building a custom plan around your unique situation and even sending out the first round of communications to the bureaus and your creditors....

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What happens if a payment is dishonored?

Should a payment be returned and/or dishonored by your bank or credit card company, we will redraft the payment and add a $19.95 late fee. We will continue to attempt to draft your account during a 30-day period until payment is received. If your payment has not been received after 30 days your case will be suspended until new payment arrangements can be made....

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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.

What do credit repair companies do?

Credit repair companies, including Lexington Law, primarily do these three things:

Watch your credit report. Credit repair companies check the details of your reports regularly—often with all three bureaus—to ensure new changes or negative items are not impacting your score. If they are, the company can be proactive about notifying you....

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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.

Do you need to pay for credit repair?

The short answer is no. Anything a credit repair company does on your behalf, you can do yourself. But, deciding whether you want to DIY your credit repair or pay a service to help you requires some personal considerations...

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What are the benefits of improving my credit score?

Improving your credit score can provide numerous benefits. Some include:

Access to more financial products. When you have a higher credit score, you can qualify for more loans, credit cards and other offers....

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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.

Not sure how to get started? The credit advisors at Lexington Law can walk you through the process and help you understand your credit.

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