Lexington Law Review

Carefully weigh your credit repair options

Our editors independently research and recommend the best products and services. You can learn more about our independent review process and partners in our advertiser disclosure. We may receive commissions on purchases made from our chosen links.

Lexington Law Credit Repair Review

Lexington Law Credit Repair

overall rating

Our Take

Even though Lexington Law is one of the most recognizable credit repair companies and has a long history of business operations, we can’t recommend it based on a previous class action settlement, multiple CFPB complaints, and a low, two-star average among BBB customer reviews.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
  • Overall costs are about average for the industry

  • Credit monitoring is available with the highest-cost plan

  • Personal finance tools are available with its top plan

  • Long history of business operations

  • Great online contact options

  • No rating with the BBB

  • Low BBB customer reviews of just more than two stars

  • Multiple consumer complaints with the CFPB

Key Takeaways
  • Lexington Law has a long history of business operations.
  • The company’s highest-cost plan includes a good level of credit monitoring.
  • To get more services, simply upgrade to one of the company’s higher-cost plans.
  • Lexington Law doesn’t offer 24/7 support but has great online contact options.
  • Lexington Law settled a government action in April 2020 and has multiple recent CFPB complaints.
  • Customer satisfaction is relatively low, evidenced by BBB customer reviews of just over two stars.
  • While its costs are average, lower-cost plans from competitors may offer more value.
  • Year Founded Founded in 1993
  • Average Cost $89.95 to $129.95 per month
  • Types of Credit Repair Services Available Credit bureau challenges, creditor interventions, cease and desist letters, and more
  • Monthly Monitoring Options Included with the top two plans
  • Official Website https://www.lexingtonlaw.com/
  • Customer Support 1-855-409-5842

John C. Heath, Attorney at Law, PC, is a well-known credit repair company doing business under the name Lexington Law, which has helped remove more than 1 million negative items from their customers’ credit reports. Even so, the company had to settle a government lawsuit in April 2020 related to alleged violations of consumer protection laws. It also has a C rating and just over two-star customer reviews with the Better Business Bureau (BBB). 

While the costs Lexington Law charges for its services are about average for the industry, at $89.85 to $129.95 per month, some of the other credit repair companies we've reviewed include similar credit repair services with their lower-cost plans. So, you may get a better value by choosing to work with a different credit repair company. We considered all of this and more in our review of Lexington Law. 

Company Overview: Long History of Operations

Lexington Law is a privately held credit repair company headquartered in West Valley City, Utah. Founded in 1993, the company’s length of business operations is longer than many of the other credit repair companies we've reviewed. Lexington Law offers its credit repair services throughout most of the United States, except for North Carolina and Oregon. The company makes it easy for people to take advantage of its free consultation through an online application. Plus, its existing customers are able to view their progress or access the answers to frequently asked questions via a dedicated online portal.

Available Services: Highest-Cost Plan Includes Good Credit Monitoring 

Lexington Law offers three levels of credit repair services, with its monthly costs ranging from $89.85 to $129.95. These overall costs are about average for the industry. While the company’s basic plan (Concord Standard) only comes with credit bureau challenges and creditor interventions, Lexington Law’s most expensive plan includes a full suite of credit repair, credit monitoring, and financial management services. 

Some other credit repair companies only offer a single plan and don’t provide add-on services like credit monitoring and financial management tools. The flexibility to add these types of services if you want them is a nice option. If you don’t need these services, you’ll get a better value from credit repair companies with lower-level plans available.

Concord Standard

Lexington Law’s basic credit repair package is called the Concord Standard plan and costs $89.85 per month. This plan only includes credit bureau challenges and creditor interventions. If you want additional services, like cease and desist letters, credit monitoring, or personal finance tools, you’ll need to upgrade to a more expensive package. We don’t recommend this plan, as you can get more credit repair services for less money from some of the competition, such as Ovation Credit Services by LendingTree.

Concord Premier

The second credit repair package offered by Lexington Law is called the Concord Premier plan and costs $109.95 per month. You’ll get everything that’s included in the Concord Standard plan, plus assistance with credit inquiries, an analysis of your credit score, and credit alerts from TransUnion. If you want more robust credit repair services, like cease and desist letters, you’ll need to upgrade to the company’s highest-level package, at $129.95 per month. As with the company’s basic plan, several of Lexington’s competitors offer more value for the money. Ovation Credit Services by LendingTree, for example, has a similar plan that costs $109 a month with a first work fee of only $89.


Lexington Law’s most advanced package is called the Premier Plus plan and costs $129.95 per month. You’ll get everything that’s included in the Concord Premier plan, plus the company will send cease and desist letters on your behalf, and you’ll have access to a FICO credit score tracker, identity protection tools, and personal finance tools. If you want access to credit monitoring and identity protection tools, this is a decent option as compared to some of the other credit repair companies we've reviewed. Keep in mind, you might also be able to get stand-alone credit monitoring services at a lower overall cost, so it’s a good idea to shop around. 

If you need credit monitoring, there are a lot of affordable (or free) options you can consider.

Optional Add-Ons: Credit Repair Packages Are All-Inclusive

There aren’t add-ons you can get from Lexington Law other than what’s included in its credit repair packages. If you want additional services, like credit monitoring or personal finance tools, you just have to upgrade to one of its higher-cost packages. Most of the credit repair companies we reviewed operate the same way, so this isn’t unusual. 

Customer Service: No 24/7 Support, but Great Online Contact Options

Lexington Law’s hours of operation vary depending on whether you’re looking to sign up for a credit repair plan or if you need other support. You can reach someone from the sales team Monday through Friday from 6 a.m. to 10 p.m., on Saturdays from 7 a.m. to 9 p.m., and on Sundays from 7 a.m. to 8 p.m. (MST). If you need any other support, you can get assistance from its service team Monday through Friday from 7 a.m. to 7 p.m. (MST). Although it’s nice when credit repair companies offer 24/7 support, Lexington Law’s hours of operation are not unusual.

Another nice customer service point from Lexington Law is the robust Frequently Asked Credit Questions section on its website. This is helpful in the event you can’t get in touch with someone during regular business hours. Plus, the company provides its customers with an online dashboard to get information. Furthermore, you can sign up for services and request free credit consultations online. All of these are excellent features that aren’t available from some of the competition. 

Reputation: Government Action Settlement and Multiple CFPB Complaints

Lexington Law is not accredited or rated by the BBB and has 660 complaints over the past three years. Plus, the company settled a government lawsuit in April 2020 that was filed against them by the Consumer Financial Protection Bureau (CFPB). The CFPB action alleges that Lexington Law may have violated consumer protection laws related to its telemarketing and payment processing practices. Very few of the other credit repair companies we reviewed had previously dealt with government actions, which makes Lexington Law stand out from the competition and should cause potential customers to take pause. 

There have also been numerous complaints filed with the CFPB within the past three years, based on a review of the CFPB’s consumer complaint database. The tone of the complaints seems similar to what was reported in the government action previously noted, so potential customers should take both the CFPB complaint and customer reviews to heart before making a purchasing decision.

If you feel as if your rights as a consumer of any financial product or company are violated, you can submit a complaint to the CFPB.

Customer Satisfaction: Relatively Low Level of Customer Satisfaction

Lexington Law has a low customer review rating with the BBB of just better than two stars based on an average of 309 customer reviews. The company also settled a government action in April 2020 related to allegations associated with its telemarketing and payment practices. Many of the BBB reviews appear to be related to these types of issues. Notably, Lexington Law’s Trustpilot customer reviews are much better, indicating a 4.6-star rating based on feedback from 168 customers. Still, many of the negative reviews seem to focus on issues with the company’s services, and the amount of money customers were required to pay. Very few of the other credit repair companies we reviewed had customers leave a volume of negative feedback similar to what we saw with Lexington Law. 

Cost: Average Pricing, but Competitors May Provide Better Value

Although the costs of Lexington Law’s credit repair services are about average for the industry, other credit repair companies provide similar services for a lower price. For example, some credit repair companies include cease and desist letters in their lowest-cost plans, whereas you can only get this service with Lexington Law’s highest-cost plan. So, it’s essential to shop around. 

With Lexington Law, you can expect to pay monthly fees, but luckily there are no one-time first work fees. This is a good deal when compared to the competition.  

Plan One-Time First Work Fee Monthly Fee
Concord Standard N/A $89.85
Concord Premier N/A $109.95
PremierPlus N/A $129.95

The Competition: Lexington Law vs. Credit Saint

One of the top competitors to Lexington Law is Credit Saint, a credit repair company that was founded in 2004. Although Credit Saint’s overall costs are higher than what you’ll payw with Lexington Law (including its first work fees), all of Credit Saint’s plans come with credit monitoring. Plus, Credit Saint has a much better reputation than Lexington Law does. Not only does Credit Saint have an excellent A rating with the BBB, but it also doesn’t have any recent CFPB complaints. This is compared to Lexington Law, which has no rating with the BBB and numerous CFPB complaints. For these reasons, we believe Credit Saint is the clear winner when compared to Lexington Law.

  Lexington Law Credit Saint
Monthly Price $89.85 to $129.95 $79.99 to $119.99
First Work Fees N/A $99 to $195
Number of Plans Three Three
BBB Accredited Business No Yes
BBB Rating NR A
BBB Customer Reviews More than 2-star Almost a 3-star
Final Verdict

Better Credit Repair Options Exist

Lexington Law has been in business for a long time and has pricing that’s about average for the industry, but, based on our methodology, we can’t recommend it due to the previous government action from the CFPB, the number of recent complaints with the CFPB, and the low customer reviews reported to the BBB. There are plenty of other good credit repair companies out there, so we recommend continuing to shop around. Hopefully, Lexington Law is taking positive steps toward addressing these issues, especially since it has such a long history of helping consumers and is one of the most recognizable credit repair companies in operation today. 

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Better Business Bureau. "Lexington Law Firm." Accessed on December April 6, 2021. 

  2. Consumer Financial Protection Bureau. "Consumer Complaint Database." Accessed on April 6, 2021. 

  3. Trustpilot. "Lexington Law." Accessed April 6, 2021.  

  4. Better Business Bureau. "Credit Saint, LLC". Accessed on April 6, 2021. 

  5. Consumer Financial Protection Bureau. "Consumer Complaint Database." Accessed on April 6, 2021.