Best Reviews TopConsumerReviews.com Best Credit Repair Companies Best Reviews
Best Reviews
      April 26, 2019

Home  >  Credit Repair  >  Lexington Law vs Credit Repair

Best Credit

Repair Companies

  1. Ovation Credit Services
  2. Credit Firm
  3. Credit Saint
  4. MSI Credit Solutions
  5. The Credit Pros
  6. Lexington Law
  7. The Credit People
  8. Credit Repair
  9. Credit Assist Network
  10. Pyramid Credit Repair
  11. E Credit Attorney
  12. Credit Repair Consult
  13. Veracity Credit

Compare Products

  • Select any 2 companies in our reviews to compare them head-to-head!
  • Compare

Your Information Is Secure
101 Tips to Raise Your Credit Score Newsletter

Latest Reviews

ADHD

Eczema

Flower Delivery

Fruit Baskets

Hair Loss

Hair Removal

Menopause Relief

Pet Meds

Ringworm

Watches

 

Individual Reviews

Sky Blue Credit

Ovation Credit Services

Credit Firm

Credit Saint

MSI Credit Solutions

The Credit Pros

Lexington Law

The Credit People

Credit Repair

Credit Assistance Network

Pyramid Credit Repair

E Credit Attorney

Credit Repair Consultants

Veracity Credit

 

Related Articles

How Fast Can Your Credit Be Repaired?

How Repairing Your Credit Can Save You Money

Improving Your Credit Score

Quality Credit Repair Companies

The Basics of Credit Repair

What is a Credit Score and Why is it Important?

What is Credit History and Why is it Important?

Why Good Credit Is Important

 

Our professional reviewers evaluate products and services independently, but Top Consumer Reviews may earn money when you click on the links on our pages. Learn more.

Better Business Bureau Reliability Seal

Lexington Law vs Credit Repair

Best Credit Repair

To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of Lexington Law and Credit Repair.

To see ALL of our reviews for the Best Credit Repair Services, please Click Here

Who's the best credit repair company? Most Americans know that a good credit score and credit history are important. That one number, your credit score, can determine your ability to get a loan for school or for a car, be approved as a tenant, or to qualify for a credit card.

Unfortunately, when your credit history is less than fantastic - because of making payments after the due date, having too many credit inquiries, or even having mistaken information associated with your identity - you'll have fewer options when you need to make a major purchase. You may even have to pay higher than average rates on your car insurance or your mortgage.

Continue reading below reviews

Best Reviews

2019

Credit Repair Reviews

3 stars
Lexington Law

LEXINGTON LAW Visit Site

Cost:

$89.95 to $129.95 per month, depending on the selected package

For many years, Lexington Law was the provider of choice for credit repair services. Why? With more than 27 years of experience and millions of negative items deleted from customers' credit histories every year, it's easy to see why people turned to them for credit repair.

We're still of the opinion that they have something to offer when it comes to credit repair, so we'll get to their packages shortly. First, however, it's important to understand two things: their fees have nearly doubled over the last five years, which could be related to having reached a settlement in Maryland over allegations of not conducting their business properly with respect to all legal requirements within the industry. This changed their grade with the Better Business Bureau; at the time of our last review, Lexington Law enjoyed a respectable "A-", but during our most current survey of their services they were designated as "Not Rated" while the BBB reevaluates their score.

Lexington Law is more expensive than many credit repair services. They have 3 tiers of service:

  • Concord Standard: priced at $89.95/month, you'll get help with credit bureau challenges and creditor interventions.
  • Concord Premier: priced at $109.95/month, your service adds credit score analysis, help with confronting unfair credit score damage (InquiryAssist), coaching on how to address credit report changes when they happen (ReportWatch), and daily monitoring of your score at TransUnion.
  • PremierPlus: priced at $129.95/month, this top level of service also includes Lexington sending cease and desist letters in your behalf, tracking your FICO score, identity protection services, and personal finance tools.

With what they charge, is Lexington Law effective at helping people improve their credit history? As you'd expect with such a large business, the reviews are mixed. Most credit repair services are criticized for not making noticeable improvements in less than two months, but that's to be expected. But, Lexington seems to have a higher-than-average number of people who say that they didn't get prompt responses from company reps, not just that their reports didn't improve quickly. On the other hand, we found numerous people saying that their credit scores improved dramatically as they stayed with the service, usually for six months on average.

Lexington Law's track record within the credit repair industry has helped keep them afloat, but their higher pricing and troubles with their BBB rating have dropped them to the middle of the pack compared with the competition.

Visit Site

2 stars
Credit Repair

CREDIT REPAIR Visit Site

Cost:

$99.95/month

Credit Repair looks like an incredible service for fixing your credit history. For $99.95/month, this provider will pull your credit report and help you identify which items you want to change or challenge - building a plan with you instead of creating an arbitrary strategy without your input.

From there, Credit Repair's experts work with credit companies to implement your plan, and then they verify with the credit bureaus to make sure that those changes actually take effect. You can track your progress through your personal online dashboard and a mobile app, where you'll also see your score tracker and analysis of the changes to your credit profile.

You'll also find great resources in the Education section of the site. Want to know how bad credit affects you, or how to get your free credit report? You'll find that information here, along with an up-to-date blog, tools to help you in your financial planning, and much more.

Unfortunately, Credit Repair has lost some credibility within the industry. Why? According to the Better Business Bureau, the company was asked to prove their claims that the average customer sees progress every month while using their services - even seeing improvements in the neighborhood of 7% of questionable credit report negatives being taken off their credit reports every 30 days. As of the date of our review, the BBB was still reporting that they had not received proof of those advertising claims. Those claims are still prominently featured on the Credit Repair website.

While we did find quite a few customer reviews that said their credit scores improved reliably over time using the Credit Repair service, it's hard to recommend a business that has an "F" grade at the BBB because they didn't take the time to prove that their advertised claims were legitimate. If those facts are accurate, it should be a simple process to report them and clear up the concern at the BBB. If that happens in the future, Credit Repair will probably move up in the rankings among the services we reviewed; until then, we suggest you look at some of the higher-rated companies for your credit history improvement plan.

Visit Site

Continued from above

Using a reputable credit repair company puts you back in control of your financial reputation. These services work on your behalf to reduce or eliminate any negative factors in your credit history, working directly with collection agencies, creditors, and even with the three primary credit bureaus. With the help of a credit repair company, you can improve your score and even put a stop to negative information being reported on your accounts. Most services take several months before you see measurable results on your credit report, so adjust your expectations accordingly.

With so many services advertised in the media and online, how can you tell if a credit repair company is reputable and effective? As you compare the various providers, here are several criteria to keep in mind:

  • Reputation. What do past and current users of the credit repair service have to say about the experience? Is the company accredited and/or rated by the Better Business Bureau?
  • Cost. What will you pay to fix your credit history? Should you expect a one-time fee or a monthly payment structure? How do the costs compare with other providers'?
  • Guarantee. Does the credit repair service guarantee that they will improve your credit score and/or history? Can you get a refund if you are unhappy with their service for any reason?

TopConsumerReviews.com has reviewed and ranked the best credit repair companies available today. We hope this information helps you find the right credit repair program that meets your needs and gets you on your way to an improved credit history!

How to repair your credit score with help from Dream Girls of Real Estate on Coast Live

HAMPTON ROADS, Va. - For some, a poor credit score is a big barrier when considering a home purchase. Claudine Ellis from Dream Girls of Real Estate joins us to disprove some common myths ...

Published:  Thu, 25 Apr 2019 13:28:00 GMT



From credit cards to home repair, San Francisco companies are attracting new investment

San Francisco-based credit card company Brex has secured $100 million in debt financing, according to company database Crunchbase, topping the city's recent funding headlines. The cash infusion ...

Published:  Tue, 23 Apr 2019 12:14:00 GMT



Applying for a Credit Card: Your Odds of Being Approved

Mike Pearson, credit expert and founder of the credit repair site Credit Takeoff, explains how the score ranges affect your approval odds. "If you have a credit score of 750 and above, you'll have ...

Published:  Tue, 23 Apr 2019 15:29:00 GMT



Court Compels Lexington Law to Produce Client Communications Related to Generating Credit Dispute Letters

Heath, Attorney at Law, PLLC d/b/a Lexington Law Firm (Lexington Law) for allegedly engaging "in a fraudulent credit-repair scheme designed to bombard debt collectors with false credit dispute letters ...

Published:  Tue, 23 Apr 2019 10:11:00 GMT



Which Credit Repair Company Is the Fastest

Early last month 03/05/2019 we posted news of Bestcompany.com having us ranked in the Top 10 of the best credit repair companies. To be precise we were ranked #9 back then but since a whopping amount ...

Published:  Tue, 16 Apr 2019 09:39:00 GMT



Salma Hayek says her husband Francois-Henri Pinault won't claim tax credit for $113 million donation to Notre Dame repair

Actress Salma Hayek lavished praise on her husband's family for their generous donation to rebuild Paris' Notre Dame Cathedral - and clarified that they won't be taking advantage of any ...

Published:  Fri, 19 Apr 2019 09:06:00 GMT



Need a boost to your credit rating? These new financial tools might help.

These aren't "credit repair" rip-offs, where you shell out hundreds or thousands of dollars to sleazeball companies. Far from it. All three tools come from well-established players: FICO, developer of ...

Published:  Tue, 02 Apr 2019 23:30:00 GMT



Share Us!    Share TopConsumerReviews.com on Twitter Share TopConsumerReviews.com on LinkedIn Share TopConsumerReviews.com on Google+ Share TopConsumerReviews.com on Pinterest

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure