Common Questions

How much do credit repair services cost?

A complete breakdown of the features of each service level can be found by visiting our services overview page.

Lexington Law offers three levels of service depending on your credit needs. Our Regular Service which covers the essentials of credit report repair is $59.95/month. Our Concord service upgrades include additional features such as creditor interventions, debt validation, and monthly credit score analysis. These advanced packages are $79.95/month for the service and $99.95/month for the service.

When considering the cost of a credit repair service, you should compare it to the cost of living with poor or even average credit. Over the course of a 30 year home loan, a person with average credit may end up spending tens or even hundreds of thousands of dollars more in interest payments than someone with good credit. And the extra payments are even more dramatic if you have poor credit; providing you can even get approved for a mortgage loan in the first place. You may be able to save on your mortgage or auto loan by improving your credit score, try our Credit Cost Calculator to see how much bad credit is costing you.

The benefits of having a good credit score are not limited to helping you get into a home. Almost any lender who offers credit will take your credit score into account. This means that a better credit score may help you get approved for a car loan, credit card, home equity loan, debt consolidation loan or other personal loan at a lower interest rate.

Even further, many entities are now using your credit score to make different sorts of decisions about you. In today’s society, a better credit score may also help you lower your insurance premiums, get an apartment and possibly increase your chances of landing a new job.



 
   Repairing your credit by yourself may not always be the cheapest way to improve your credit score.

Starting at $79.95 a month, Concord level service is a considerable savings when compared to the time it would take just to acquire a working knowledge of the FCRA and other federal laws.
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