It’s common for people to get into credit trouble, especially when unexpected circumstances arise. Financial emergencies can lead to taking on a significant amount of debt which may result in late payments, collection accounts, bankruptcies, and foreclosures.
For some, financial hardships are not the culprit of a bad financial track record; instead, there was simply a lack of education surrounding what it takes to be credit savvy.
Regardless of the reason behind poor credit, there are situations where fixing it cannot be done alone. This is where credit repair businesses come in. Lexington Law, one of the nation’s leading credit repair organizations that offers several ways for consumers to get the help they need in an affordable, transparent way.
Here’s how Lexington Law reviews your individual circumstances and works to restore your credit in 2024.
How Lexington Law Credit Repair Works 📈
Individuals and couples ready to fix their credit by utilizing the services offered by Lexington Law can start the process by contacting the company via phone at (855) 617-1318 or filling out an engagement form online.
Once the initial information is provided, including name, date of birth, state of residence, and level of services requested, Lexington Law immediate gets to work. This begins with the case intake process in which the organization helps customers obtain credit reports from the three major credit bureaus: Equifax, Experian, and TransUnion.
After receiving the credit history report from each credit bureau, the account specialists at the Lexington Law firm begin an in-depth review of each report, searching for errors and disputable items. A customer’s case manager then sends correspondence to creditors and the credit agencies to dispute inaccurate information.
Each customer receives a credit repairing strategy based on their unique situation, and the specialists at Lexington Law create ongoing personalized credit rating improvement plans for those who opt into the service.
Over time, the agency works through specific follow-up and escalation processes to ensure items are removed from credit reports in-line with federal laws and the Fair Credit Reporting Act (FCRA), to improve your credit reports and scores as quickly as possible.
Lexington Law Credit Repair Cost 💲
Unlike some credit repair organizations, Lexington Law offers different levels of service designed to meet the needs of individual customers.
Lexington Law’s credit repair pricing options include the following:
- Concord Standard Plan – $99.95 per month and includes credit bureau challenges and creditor interventions
- Concord Premier Plan – $119.95 per month and includes the standard features, plus added benefits like InquiryAssist, score analysis, ReportWatch, and TransUnion Alerts
- Premier Plus Plan – $139.95 per month and includes all the services in the Concord plans, plus personal finance tools, cease and desist letters, FICO score tracker, and identity protection
Lexington Law credit repair not only stands out because of its long history, reputation, and flexible fees, but it also offers a unique fifty percent off family discount to households who signs up for the service within a few days. Additionally, a 50% savings off the first-work fee for veterans and active-duty military customers.
Lexington Law’s Services and Features ✍
Depending on the type of plan selected, customers have access to the following services and features with Lexington Law:
- Personal finance tools via the online platform
- Identity protection
- FICO credit score tracking
- TransUnion credit report summary and alerts
- Score analysis tools
- Cease and desist letters to creditors
- Bureau challenges and disputes
- Credit interventions
All customers have access to their personal online portal through lexingtonlaw.com which provides detailed information on the progress toward goals.
Is Lexington Law Legit? ✅
Yes, Lexington Law is a legitimate credit repair company and is not a scam. It was Founded in 1991 and has been serving individuals and families who need to restore their credit history for more than thirty years. The firm is headquartered in Utah but assists consumers successfully around the United States.
Lexington Law has provided credit restoration to hundreds of thousands of customers throughout its history, and it employs a dedicated group of credit specialists, lawyers, paralegals, and additional staff across the country.
Is Lexington Law Worth it? 👍
Whether Lexington Law credit repair is worth it or not for you really depends on your unique financial circumstances, so it’s best to take advantage of the free credit report consultation before making a decision.
How to Contact Lexington Law 📞
Individuals who want to learn more about Lexington Law credit repair services may contact the business by phone at (855) 617-1318, or by visiting the company online.
Compare to Other Top Credit Repair Companies 🏢
If you’re not quite ready to commit to Lexington Law Credit repair and would like to compare it to other firms, check out our other reviews and choose the one that is right for you and your family.
Questions, Comments, and Customer Reviews 💡
If you decide to use the Lexington Law Firm to enhance your credit report and score, please come back to share any positive or negative experience you had with them in the comments section below. And don’t forget to leave us a comment if you have any other feedback, complaints, questions, or thoughts regarding our Lexington Law review.
