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How It Works
Individuals interested in the credit repair services offered by Lexington Law can start the process by contacting the company via phone 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 company helps customers obtain credit reports from the three major credit bureaus – Equifax, Experian, and TransUnion. After receiving credit reports, the credit repair specialists at Lexington Law begin the 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 bureaus to dispute inaccurate information. Each customer receives a credit repair strategy based on their unique situation, and the credit repair specialists at Lexington Law create ongoing personalized credit score improvement plans for those who opt into the service. Over time, the credit repair company works through specific follow-up and escalation processes to ensure items are removed from credit reports in-line with federal laws.
Unlike other credit repair organizations, Lexington Law offers different levels of service designed to meet the needs of individual customers. The pricing options include the following:
Concord Standard Plan – $89.98 per month and includes bureau challenges and creditor interventions
Concord Premier Plan – $109.95 per month and includes added features like InquiryAssist, Score Analysis, and TransUnion Alerts
Premier Plus Plan – $129.95 per month and includes all the services in Concord Premier, plus personal finance tools, cease and desist letters, FICO score tracker, and identity protection
Lexington Law not only stands out in its flexible pricing, but it also offers a unique family discount to households who sign up for the service together. Up to a 50% savings on the first monthly payment is applied to household accounts.
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
FICO credit score tracking
TransUnion credit report alerts
Score analysis tools
Cease and desist letters to creditors
All customers have access to their personal online portal with Lexington Law which provides detailed information on progress toward credit repair goals.[/wpsm_titlebox]
- When it comes to education, few credit repair agencies offer the level of service that you’ll get from Lexington Law. Providing education on your score and how it affects your finances can be valuable long after you use their credit repair services. They offer a wide range of videos, articles, and courses, as well as ebooks, emails, and a comprehensive customer portal. From what we have seen, they offer the highest level of educational sources.
- An important part of Lexington’s service is that it offers dedicated paralegal assistance. You’ll be assigned a paralegal who will send regular updates on your progress and keep you informed throughout the credit restoration process. If you need help or have questions, this paralegal, as well as a service team, are able to help in a wide variety of ways.
- You will also have access to Lexington Law’s online portal. This allows you to review progress on various disputes, and you can track the number of items that have been removed. You can also see your current score. This is one of the few services that also offers an app for smartphones, giving you on-the-go access to your credit-repair progress.
You can get six months of service for under $600. That places the cost in a similar area with other credit repair agencies, although there are organizations that offer services for less.
With Lexington Law, you can choose various tiers of service, creating better access to the services you need. Higher tiers give you access to financial tools, FICO score reports, and assistance when removing negative items. Paying more for a higher tier of service lets you dispute more negative items every month, which can speed up the process. On their standard and premier plans, you can dispute six items every month. However, you if get their Premier Plus service, you can dispute eight items monthly.