When you are looking to make sure that the job is done right, and by a company that has been around a while, we have found that Lexington is going to be your best bet. These guys are a large player in the industry with one of the best processes of credit repair that we've seen. Their massive marketing efforts have made them a house hold name. When it comes down to service, this repair giant has gotten better with every year and continues to improve with upgraded services and technology to boot.
Lexington Law has been around the block a time or two and knows the in’s and out’s of the credit repair business. Their established background and dedicated team are there to help you get the score you need to purchase a home. After enrolling in their program and receiving a free credit score summary, you will start to see those negative items removed from your credit report. Lexington Law is based out of North Salt Lake, Utah, and we actually took the time to visit and take a look at their customer service center, their legal department, and even use their bathrooms. The bottom line: These guys take credit repair seriously. We haven’t seen any other organization like this with such a dedicated team filled with paralegals, finance experts and professional workers. Negative deletions, thank you letters, and score improvement notifications lined the hallway walls in picture frames to show how important their customers are to them.
- TU Credit Report Summary Provided w/Free Consultation
- Free professional analysis by paralegals provided
- Phone support from trained paralegals 7 days a week
- Spousal and military discounts
- In business since 1991
They are not the fastest. Simply put, Lexington is extremely thorough, and everything is passed through their legal department which can bog down their speed of results. However, with the results they usually produce, we believe it’s usually worth the wait.
The Bottom Line
Tried, true, and reputable. When going for a credit repair company, you should ALWAYS do your own background check on each company. Lexington Law is a company with a track record that remains relatively clean for as many clients they have serviced, and being subject to so many online competitors. We highly recommend Lexington if you have the time to wait for the gold, and don’t want to risk using a different company without a track record like Lexington Law. Visit their site today!
Also; please keep in mind that testimonials represent the results of the particular individual and you should not expect the same result because your case is different than everyone else’s. Lexington promises only to communicate with creditors on your behalf and in your name, verify report changes with bureaus, and provide you timely information about changes in your reports. Previous clients have seen impressive credit report results, with an average of 10.2 removals in 4 months across their three reports. Some members do not achieve that result and Lexington makes no guarantee that you will receive that average result.
Lexington Law utilizes a four-step process to help their clients achieve their credit repair goals. The Lexington Law process is simple and effective.
Step #1: Obtain Credit Reports
Upon signing up, a representative from Lexington Law will assist you in getting your credit case all set up. This process includes obtaining credit reports, from all three of the major credit bureaus, so the legal team at Lexington Law will be able to start removing negative and inaccurate items from you credit report.
Step #2: Legal Action Begins
Unlike the majority of credit repair companies, Lexington Law supplies their clients with access to an experienced legal staff that conducts the disputing process on their behalf. Once the Lexington Law attorney and paralegals have reviewed your credit reports, they will begin to dispute the negative items you believe to be both negative and inaccurate.
Step #3: Credit Analysis
You are not left in the dark when you enroll in Lexington Law credit repair services. You will be assigned your own paralegal who will be available to you to answer any questions and concerns you may have. You will also have access to the progress of your credit case through an online portal where you will be able to see analysis and updates.
Step #4: Follow-up and Escalation
Lexington Law will have you forward any results you receive from the credit bureaus so that they can follow-up on your case.
As a client of Lexington Law, the Firm may also collect the following information (in addition to basic contact information). This information is collected in order to carry out Lexington Law’s legitimate business objectives.
• Social Security Numbers
• Credit or Debit Card Numbers, along with expiration date (if used as a form of payment)
• Drivers’ License Numbers, along with State of issue and address on license;
• Bank Account Numbers (if used as form of payment);
• Financial Account Numbers (for purposes of making disputes and interventions)
• Date of Birth
“Website Information” means information collected when individuals browsewww.lexingtonlaw.com website, such as date and time of visit, pages viewed, time spent on the site, and websites visited before viewing the Lexington Law Firm site. This information cannot be traceable to any specific person.”
What to know:
The only personal information collected is what is necessary to carry out credit repair services successfully.
“What Information We Collect From Clients
When you visit clients.lexingtonlaw.com, (Client Site), you may provide us with three (3) different types of information: (a) personal contact information that you knowingly choose to disclose that is collected on an individual basis; (b) sensitive information; and (c) website use information collected on an aggregate basis by individuals browsing our website.”
What to know:
The information collected is as follows: contact information, sensitive/personal information, browsing data.
“How We Collect Information
Personal Contact Information: We collect this information in order to contact you about your case or other relevant information from Lexington Law Firm.
Sensitive Information: This information is only used for legitimate business purposes and is only shared with third parties to the extent necessary to fulfill those purposes. Sensitive information is encrypted before it is shared with any third party.
• www.lexingtonlaw.com: When you browse this site, you are able to do so anonymously. Generally, we don’t collect personal information when you browse this site — not even your email address. Your browser, however, does automatically tell us the type of computer and operating system you are using.• clients.lexingtonlaw.com: You only can access this site if you are a client of Lexington Law Firm. In order to use this site and protect and secure the privacy and confidentiality of its clients, Lexington needs to track usage by client case number. Therefore, your use of the site constitutes consent to collection and storage of personally identifying information.”
What to know:
Information is collected either by you willingly inputting it or analytical data gathered when you browse the website.
“Under What Circumstances Lexington Shares Your Information
Lexington works with other companies that help us provide Lexington services to you, and we may provide your personal information to these companies. For example, should we need to forward written documents to you we give shipping companies this information so they can deliver more efficiently. The information they receive is for shipping and delivery purposes only, and we require that the companies safeguard your personal information in accordance with Lexington’s policies.
In addition, Lexington uses your personal contact information to keep you up to date on the latest service announcements, feature updates, special offers, and other information we think you would like to hear about. From time to time, we may also use your personal information in order to contact you regarding participation in a market research survey, so that we can gauge client satisfaction and improve our services further.
Website Information: This information is collected in order to allow Lexington to improve its Web site and better serve its clients. This information allows Lexington to design and arrange Web pages in the most user-friendly manner and to continually improve its Web site to better meet the needs of its clients and prospective clients.”
What to know:
Personal information is collected so that the Lexington Law experts can work on your credit case on your behalf. Website information is collected in order to create a better user experience.
“How We Protect Your Information
Lexington safeguards the security of the data you send with physical, electronic, and managerial procedures. We urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser.
• Application of Encryption Technologies
Lexington’s web site uses industry-standard Secure Sockets Layer (SSL) encryption on all web pages where sensitive personal information, including social security numbers, is collected. To sign up for service, or to log into the client section of the web site, you must use an SSL-enabled browser. This protects the confidentiality of your personal and credit card or checking account information while it is transmitted over the Internet.• Evaluation of Information Protection Practices
Periodically, our operations and business practices are reviewed for compliance with corporate policies and procedures governing the security, confidentiality and quality of our information.• Employee Access, Training and Expectations
Lexington’s corporate values, ethical standards, policies and practices are committed to the protection of customer information. In general, Lexington’s business practices limit employee access to confidential information, and limit the use and disclosure of such information to authorized persons, processes and transactions.• Legally Compelled Disclosure of Information
Lexington may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights. Privileged information about a client’s case is shared only when required by a court order or with a client’s express, written permission.• Sharing Information with Outside Parties
Lexington may provide aggregate information about our site visitors and related Web site information to our affiliates, but this information will not include sensitive information.
Attorney-Client Privilege. Because Lexington is a law firm, information about a client’s case is considered privileged and is shared only when required by a court order or with a client’s express, written permission.
Our Company-Wide Commitment To Privacy
To make sure your personal information remains confidential, Lexington communicates these privacy guidelines to every Lexington Law Firm employee, staff member, and third-party vendor.
• Protection of Minors
Lexington does not knowingly solicit personal information from children or send them requests for personal information.• Third-Party Web Site Links
Lexington’s web site may contain links to other sites. Lexington does not share your personal information with those web sites and is not responsible for their privacy practices. We encourage you to learn about the privacy policies of those companies.• Changes to the Use of Personal Information
If Lexington is going to use your personal information differently from that stated at the time of collection, we will try to contact you via email using the most recent information we have. If you have not given us permission to communicate with you, you will not be contacted, nor will we use your personal information in a new manner.”
What to know:
You information is protected by advanced security technologies.
Lexington Law Dashboard
The Lexington Law dashboard shows clients a snapshot of what is happening on their account. On the left side of the dashboard, clients can see the total number of removals expected and how many have actually been taken off a credit report. Lexington Law also provides a percentage of how many removals have been made. From the dashboard, clients can see if they have any alerts/messages that may require action. The dashboard also shows a small breakdown of each credit bureau at the bottom of the page.
The score tracker is another tool that can be found under the dashboard tab. The tracker allows clients to see, over the period of a year, where their credit score is and how it improves over time. It also shows a breakdown of each credit bureau (clients just have to select which credit bureau they want to see) and what the status is of their case with each report. If a client is having any issues, they can also access the support center on the bottom right of the page and chat online to get the necessary assistance.
The score analysis page can be accessed through the dashboard toolbar. The score analysis provides a payment history analysis, amounts owed analysis, length of credit history analysis, credit mix analysis, and new credit analysis. This breaks down the information clients need to know about each segment of their credit accounts. The information is detailed and customized to each member’s account.
The credit library provides a plethora of information that someone struggling with credit problems may find useful. The credit library is somewhat of a resource center suppling information regarding: credit glossary terms, consumer awareness articles, credit myths exposed, guides to various credit subjects, etc. If a client is confused or wants further information, the credit library is a great resource.
Under the case actions tab, members can see creditor information, credit bureau statuses, case notifications, and removals. The case actions show a detailed breakdown of each credit bureau and the status of the item. It shows a list of account names and what their standing is with the credit bureaus. It will show whether the item is unlisted, ignored, or positive.
The credit monitoring tab allows you to view the ReportWatch tool. This tool is updated anytime Lexington Law detects a change in your credit score. It will display whether or not the changes impact your score in a positive or negative way. There will be a breakdown of negative, positive, and neutral alerts. By clicking on each of these, the toolbar will extend and show all of the alerts in the respective category.
The credit reports tab allows you to access credit reports, order new reports, and display any other documentation. Members will be able to see accounts, the type, and date it opened. Members will also be able to see any and all positive accounts.
The following statements are testimonials made by real Lexington Law clients after services were completed:
“Great customer service and they definitely delivered positive results! Big jump in credit score.”
“Lexington has been excellent to work with in managing my credit repair. They have provided the necessary dialogue between myself and creditors and has worked proficiently and diligently in removing negative items.”
“Lexington Law has been courteous and very helpful in repairing my credit and always keeps me informed of what is being done on my behalf with weekly updates sent to me via email. “
“I have already recommended Lexington Law firm to family and friends who are very satisfied with the services. Lexington Law firm is highly recommended for credit counseling services. Excellent firm! Very pleased and looking forward to continuing to work with Lexington Law group.”
“They hit the ground running and I had positive results in a few weeks.”
“I have been with Lexington Law 6 months. I know my case is not going to be an easy one. Yes, I have been hard on them at times and they responded to by send stronger letter out. I feel we are on the down side of getting my bankrupts removed.”
“My credit score was very low and with Lexington in just a few months, I begin to get pre-approval letters from creditors who would not give me a credit card months earlier.”
“I am a new customer. I was very surprised by the courtesy shown whenever I called the firm to ask questions regarding my credit and steps to take to make my score higher.”
“Lexington Law provides knowledgeable and professional assistance enabling you to obtain the best credit standing possible. They encourage your contact and are tenacious in their follow through with credit agencies. Kudos to you Lex!”
“I’ve had quite a lot of credit issues that the firm has helped me to start to get in order.”
“Lexington Law does a great job of resolving my credit issues. They are fast courteous and helpful when I call and the website is easy and informative.”
“It’s been a favorable experience for me and really think they work for you with care and are willing to do the best of all I recommend 100% to anyone.”
“They are willing to help me build my credit, unlike anyone else! Talking to them made my day and my future much brighter! Even as a friend, I would recommend everyone to go to them.”
“Thankful for the help to restore my credit to better me & my family.”
“So far the fast responds to start the process they always answer any stupid question I have with an intelligent answer. Thank you for representing me.”
“They answered all my questions. Even though I was nervous they made me feel at ease. Can’t wait to see the results.”
“Lexington Law has provided the outlet to repair my credit. Only through Lexington Law have I been able to witness improvements. Lexington Law associates very professional with the means to succeed in my future. Thank you for continued success.”
“I tried to correct many mistakes from my 3 credit reports to no avail. But with your help I did my FICO score is now at 726.I just refinances my car with Penfield credit union interest rate charge for a used car refinance 2.74% In one transaction alone I was able to recuperate my fees to your company and much more Thanks You.”
“Everyone I spoke to are professional and well educated in the services they provide. Very Satisfied with the paralegals working for Lexington Law, they are very professional and courteous.”
“I am from SC. Lexington Law has truly assisted me to achieve credit worthiness Thank you.”
“This wonderful Law firm stands by exactly what they say the will do , they can change your whole life , if you want your credit straighten out they are the ones for the job . That house you dreamed about, well with Lexington Law it’s right around the corner! Just try them see if the make a big difference in your life!! It’s working for my husband and I. And I fell grateful thanks Lexington Law.”
“The paralegals are friendly, professional in their presentation, and above all knowledgeable.”
“Lexington Law Firm is outstanding company that helps you repair your credit. I myself highly recommend Lexington Law Firm to those who need help repairing their credit.”