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      December 13, 2018

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Lexington Law vs The Credit People

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 The Credit People.

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

2018

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

2.5 stars
The Credit People

THE CREDIT PEOPLE Visit Site

Cost:

Initial fee: $19

Monthly fee: $79

The Credit People have helped more than 100,000 people to improve their credit history since 2001. Their website is attractive and laid out in a way that is simple to understand, not cluttered with an overload of images and links.

The Credit People offer a simple way to check out their services: pay an initial fee of $19, which includes your credit report (a service often not provided by credit repair services) and see what you think for the next 7 days. If you choose to continue using their credit repair plan, you'll pay a flat fee of $79 per month. The service can be cancelled at any time, and an "Unbeatable Satisfaction Guarantee" allows you to get a refund for one month's service fees (this is assuming you cancel as soon as you're unhappy, not months after the fact).

The services provided by The Credit People are as you'd expect with a credit repair service: disputes, inquiries, interventions and validations. We like that they focus their results not just on removing negative items from your credit history, but also specifically on improving your credit score - so that you can more easily qualify for a loan or be selected as a tenant for a rental. We also appreciate that their approach to working with their clients is "How can we help?" with situations like trying to get interest rates lowered or to get a referral letter, going above and beyond the issues associated with your credit report.

Digging around a little more, though, we were left with some question marks. First, several places on the site refer to a 6-month, prepaid package plan that comes with a 6-month guarantee but this isn't listed on the Pricing page. Then, we were happy to see lots of informative articles on the Credit Resource Section - but disappointed to find that the Regulations page was totally blank.

Finally, we were puzzled by The Credit People's reputation with the Better Business Bureau. Although their representatives seem to have done a great job of responding appropriately to all of the customer complaints posted on the BBB site, they still had a less-than-inspiring "C" grade at the time of our review.

From our perspective, The Credit People are trying to offer personable and effective credit repair services and have been doing that for several years - but they've got room for improvement to move up in the rankings and compete with the top companies in our review.

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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!

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