[WARNING GOVERNMENT ACTION] Lexington Law Review 2019
By Mark B. Huntley, Esq.
Last Updated 8/16/19
Lexington Law Firm credit repair services have been one of the largest and most respected credit repair companies for many years. Included in this review are allegations and details from the 2019 Consumer Financial Protection Bureau’s Federal suit that you need to be aware of before choosing Lexington Law for your credit repair needs.
Recent legal allegations suggest less than promised.
Monthly program higher than competitors.
EASE OF USE
Case valet is very simple and straightforward.
Accessible and responsive.
Credit Knocks Overall Star Rating:
In the past, Lexington Law Firm has been an excellent resource for people who have little knowledge of credit or don’t have time to repair their own credit.
However, in light of Lexington Law’s Federal indictment for shady business practices, it seems prudent to consider steering clear until we learn more.
Besides, Lexington Law’s prices are some of the most expensive in the credit repair industry.
I created this review to go over all of the pros and cons of Lexington Law and to help you make a more informed decision.
Plans Starting At *$19 Per Month
*Rate is based on The Credit Pros Credit Sentry Plan
8/25/19: Read the latest news - [UPDATE] Government Lawsuit Vs. Lexington Law
Lexington Law Credit Repair and CreditRepair.com (both subsidiaries of the same parent company, Progrexion) are well known in the industry for aggressive marketing tactics.
Whether they will be in business much longer may depend on a recent legal indictment brought against them by the independent government agency, Bureau of Consumer Financial Protection.
On May 2nd, 2019, a Federal complaint was filed against Lexington Law and CreditRepair.com alleging that they were actively involved or complicit in deceptive and abusive practices unknowingly perpetrated against their consumers.
As a former attorney, I was pretty shocked to hear that the C.F.P.B. had filed a lawsuit against a U.S. business.
I would think since 2017; a U.S. Business would have had to have seriously violated the C.F.P.B. statutes for them to take action.
This is the agency that Mick Mulvaney was appointed to as the Director, who told the New York Times:
"When I arrived at C.F.P.B., I told folks that despite what they might have heard, I had no intention of shutting down the Bureau. Indeed, the law doesn't allow that, and as members of the Executive Branch, we are charged with faithfully executing the laws."
It probably comes as no surprise that the agency did not actively enforce any statutes or rules during Mick Mulvaney's tenure.
However, in December 2018, Mr. Mulvaney stepped aside, and Kathy Kraninger was appointed the new Director of the Consumer Financial Protection Bureau.
Her first significant enforcement action was filed in Federal Court against Lexington Law for violations of major C.F.P.B. statutes that started in 2011.
We'll see how this ultimately plays out, but I think most people would agree that it's not looking good for this company.
You can read more about the specific allegations and deceptive practices later in this article.
Who Is Lexington Law?
Lexington Law began offering credit repair services in 1991.
A bit surprisingly, it is an actual legal law firm and operates as a dba for John C. Heath, Attorney at Law, PC.
Many credit repair companies have come and gone over the past 25 years, but they have been the stalwart in the credit repair industry.
However, that longevity doesn't necessary come with the best reputation.
The Better Business Bureau (BBB) grades Lexington Law Firm a 'C' with over 500 complaints filed in the last three years.
Lexington Law Reviews BBB complaints include; over promising on credit score gains, failure to get results, and overcharging for services.
If you are here considering a credit repair service than I think some of your biggest questions are:
The true answer is, 'yes and no.' Or, 'it depends.'
Credit repair companies regularly have success removing inquiries, late payments, repossessions and unpaid collections.
But this depends on each specific account and the circumstances around it.
Does Lexington Law work?
The Law Group claims that they had over 10 million removals in 2017.
Understand, while that number is definitely impressive, you can also be just as effective by doing it yourself with the help of articles like our, 'How to submit a Section 609 dispute letter?'
They will send both intervention letters to creditors and challenge letters to credit agencies on behalf of their customers.
Also, customers can take advantage of the following legal services in selected states:
Image credit to Lexingtonlaw.com
What Makes Them Different?
Their credit education tools are some of the best offered in the credit repair industry.
They will also address harassing communications from collections companies and creditors, which is a standard service offered by most credit repair companies.
However, as a former attorney, there seems to be some additional perceived importance and seriousness when you receive a letter to cease and desist contact on law firm letterhead.
The clout that comes with your credit repair company being a legitimate law firm, whether perceived or real, is definitely alluring to consumers.
What Does Lexington Law Credit Repair Services Cover?
They work with their customers to ensure that their credit reports only contain fairly reported, accurate and fully substantiated records.
They will work with the client to identify questionable records and then dispute or repair negative reported items in their credit file.
They do this by offering three levels of service plans:
Image credit to Lexingtonlaw.com
Concord Standard Service
The Concord Standard Service is the bargain basement plan that includes bureau challenges and creditor interventions.
With this plan they will send letters to the three major credit bureaus and your creditors on your behalf with the goal of having negative records removed.
As you can see it doesn't have any of the credit repair features and this plan is also going to the be the most affordable out of the flour plans.
Concord Premier Service
With the Concord Premier Service you will receive everything included in the Concord Standard plan and some additionally offered services.
By bumping up to the Concord Premier plan you gain access to InquiryAssist, Score Analysis, ReportWatch, and TransUnion Alerts.
These services will help monitor your credit reports and better understand your credit score.
Keep in mind many of these same services offered in this plan can usually be accessed for free from your existing tradeline providers or free credit score type sites.
Premier Plus Service
The Premier Plus Service plan is the cadillac of Lexington Law’s product offerings.
With this plan you can really get the firepower of the law firm behind you.
In addition to everything included in the Concord Standard and Premier plans, they will send cease and desist letters to aggressive collection companies on your behalf.
The Premier Plus Service also includes a better credit monitoring service that includes identity theft protection and fraud monitoring.
What Does Lexington Law NOT Cover?
They will not promise that you will see positive results and cannot guarantee that your credit score will improve.
The Fair Credit Reporting Act has specific statutes and provisions that do not allow credit repair companies to mislead or exaggerate to prospective consumers.
Because of the guidelines laid out by the CROA, no credit repair company can Guarantee the fixing of bad credit.
One common strategy to improve your credit it is to purchase authorized user tradelines, a service that they do not provide, but you can learn more about this credit score building opportunity here.
How Much Do Lexington Law Firm Credit Repair Services Cost?
The first step is to select one of the three credit repair service plans offered.
Image credit to Lexingtonlaw.com
They charges an initial start-up fee of 6.99 that is used to purchase a copy of your TransUnion credit report with services beginning a few days later.
Or you can choose to QuickStart my Case for $14.99 and have your credit repair process start almost immediately.
The three service plans offered progressively get more expensive as you elect to have more services provided.
Concord Standard Service
Concord Premium Service
Premium Plus Service
Who Is Lexington Law For?
People with bad credit
They generally help people with bad credit remove negative records from their credit file.
By having negative records removed from your credit file your credit score can increase quite a bit.
Statistically, Lexington Law Firm clients have seen impressive credit report results, with an average of 10.2 items, or 24% of their representing negatives, removed within 4 months.
Lex Law claims that one negative record can hurt your credit score 100 - 200 points, so it make sense that having the same record removed can significantly increase your credit score.
With a higher credit score your financial opportunities will increase because you will qualify for credit and much lower interest rates.
Image credit to Lexingtonlaw.com
Even your auto insurance premium will decrease if you have a higher credit score!
What To Expect After You Sign Up
After you sign up, you will receive your TransUnion credit report electronically to your designated email address along with a copy in the mail.
Lexington Law does not accept faxes, and you will need to send your credit report to them by email or mail.
Once they receive your credit report, they will enter all negative items into the Case Valet program for you to review.
The next step will be for you to provide details on how each negative report unfairly impacted your credit or identify records with a possible inaccuracy.
Lexington Law credit repair specialists will be able to start helping you as soon as you fax or email your credit reports and identify questionable records in Case Valet.
Five to ten business days after you complete your detailed examination of the negative items they will determine the best strategy for your account.
They then will prepare necessary intervention letters for your creditors and challenge letters to the credit bureaus.
You will regularly receive updated credit reports from the big three credit agencies that will need to be emailed or mailed to Lexington Law.
Lexington Law Mailing Address:
360 N Cutler Dr
North Salt Lake, UT 84054
Image credit to Lexingtonlaw.com
Lexington Law Phone Number, Address & Other Contact Information
They have offices and professional legal affiliations in many locations around the U.S.
Here is a list of all of Lexington Law Firms locations, phone numbers and addresses.
Lexington Law Birmingham Alabama
Call Lexington Law: (833) 792-6000
2100 SouthBridge Parkway, Suite 650, Birmingham, AL 35209
Lexington Law Credit Repair Phoenix Arizona
Call Lexington Law Firm: (919) 568-3835
US Airways Center, 201 E Jefferson St, Phoenix, AZ 85004
Lexington Law Firm Phoenix Arizona
Contact Lexington Law: (833) 333-7566
2133 W Peoria Ave, Phoenix, AZ 85029
Lexington Law Group Phoenix Arizona
Lexington Law Phone Number: (844) 236-5024
20620 N 19th Ave, Phoenix, AZ 85027
Lexington Law Firm Credit Repair Tucson Arizona
Lexington Law 800 Number: (833) 333-8077
203 W Cushing St, Tucson, AZ 85701
Lexington Law Office Los Angeles California
Phone Number For Lexington Law: (919) 568-3832
4550 W Pico Blvd, Los Angeles, CA 90019
"Lexington Law" San Diego California
Lexington Law Client Phone Number: (919) 568-3838
969 Ninth Ave, San Diego, CA 92101
Lexington Law Office Denver Colorado
Lexington Law Contact Number: (919) 568-3849
2540 Holly St, Denver, CO 80207
Lexington Law Services Jacksonville Florida
Lexington Law Credit Repair Phone Number: (919) 568-3842
2199-2031, Clemson Rd, Jacksonville, FL 32217
Lexington Law Firms Jacksonville Florida
Lexington Law Customer Service Number: (833) 333-7466
111 N Julia St, Jacksonville, FL 32202
Lexington Law Firm Idaho Falls Idaho
Lexington Law Customer Service Phone Number: (833) 792-9000
1935 International Way, Idaho Falls, ID 83402
Lexington Law Credit Repair Mundelein Illinois
Lexington Law Firm Contact Number: (833) 791-6000
24370 West Old Oak Dr, Mundelein, IL 60060
Lexington Law Group Indianapolis Indiana
Lexington Law Firm Customer Service Number: (919) 568-3847
2998-2900, Boulevard Pl, Indianapolis, IN 46208
******WARNING GOVERNMENT ACTION******
Consumer Financial Protection Bureau vs. Lexington Law (dba)
Best Ranked Alternative To Lexington Law Credit Repair: The Credit Pros
Lexington Law Firm Credit Repair Overland Park Kansas
Lexington Law Firm Number: (833) 791-4000
7015 College Blvd Suite 375, Overland Park, KS 66211
Lexington Law Office Gretna Louisiana
Lexington Law Firm Telephone Number: (833) 791-7000
401 Whitney Ave Suite 126, Gretna, LA 70056
"Lexington Law" New Orleans Louisiana
Lexington Law Firm Phone Number: (800) 768-2305
3520 General De Gaulle Dr #1035, New Orleans, LA 70114
Lexington Law Firms Boston Massachusetts
Lexington Law Number: (919) 573-8472
98-50 Turner St, Boston, MA 02135
Lexington Law Services Warren Michigan
Lexington Law Phone Number: (919) 568-3829
25879 Hoover Rd, Warren, MI 48089
Lexington Law Firm Sterling Heights Michigan
Lexington Law Telephone Number: (919) 568-3830
37399, 37201 Maas Dr, Sterling Heights, MI 48312
Lexington Law Credit Repair Waterford Township Michigan
Number To Lexington Law: (833) 333-7266
2745 Pontiac Lake Rd, Waterford Twp, MI 48328
Lexington Law Group Jackson Mississippi
Phone Number For Lexington Law: (833) 333-8177
234 E Capitol St, Jackson, MS 39201
Lexington Law Credit Repair New York New York
Lexington Law Phone Number: (833) 336-0339
225 Broadway #3800, New York, NY 10007
Lexington Law Firm Credit Repair Charlotte North Carolina
Lexington Law Firm Phone Number: (919) 568-3846
2399-2301, Warburton Rd, Charlotte, NC 28211
"Lexington Law" Columbus Ohio
Call Lexington Law Firm: (919) 568-3845
3462-3614, Greenwich St, Columbus, OH 43224
Lexington Law Office Oklahoma City Oklahoma
Lexington Law Number: (833) 792-7000
7725 W Reno Ave #370, Oklahoma City, OK 73127
Lexington Law Law Firms Philadelphia Pennsylvania
Lexington Law Contact Number: (919) 568-3836
1501-1599, N Woodstock St, Philadelphia, PA 19121
Lexington Law Services Pittsburgh Pennsylvania
Lexington Law Customer Service Number: (833) 792-3000
437 Grant St Suite 1240, Pittsburgh, PA 15219
Lexington Law Firm Bluffton South Carolina
Lexington Law Telephone Number: (833) 333-8377
181 Bluffton Rd Suite F-202, Bluffton, SC 29910
Lexington Law Credit Repair Nashville Tennessee
Contact Lexington Law: (919) 573-9217
666 Alley, Nashville, TN 37212
Lexington Law Group El Paso Texas
Lexington Law Client Phone Number: (844) 236-5024
Union Bldg East, El Paso, TX 79902
Lexington Law Firm Credit Repair Houston Texas
Lexington Law Customer Service Phone Number: (919) 568-3834
10100, 10148 Sangerbrook Dr, Houston, TX 77038
"Lexington Law" Salt Lake Utah
Lexington Law Firm Telephone Number: (833) 333-7977
360 N Cutler Dr, North Salt Lake, UT 84054
Lexington Law Firms Stafford Virginia
Lexington Law Credit Repair Phone Number: (919) 568-3831
59 Quarry Rd, Stafford, VA 22554
Lexington Law Fax Number
Lexington Law does not accept faxes.
lexington law phone number to cancel
Lexington Law Cancel Phone Number: 800-341-8441
How Do I Cancel Lexington Law Membership Online
Unfortunately, there is no way to cancel Lexington Law online.
I know this news is frustrating since most of us would prefer to click a couple of cancel buttons and fill out a quick feedback form.
So, now you are left wondering...
How do I cancel my Lexington Law account?
The only way to cancel your membership with Lexington Law is to contact them by phone at: (800) 341-8441 between the hours of 7 a.m. – 7 p.m. (MST) Monday - Friday.
I have seen Lexington Law BBB responses to complaints that seem to indicate that you may also be able to cancel by email.
Lexington representatives when responding to BBB complaints, reference cancellations received by email.
In any case, make sure that you receive confirmation of your cancellation in some form of writing.
Keep in mind that once you cancel they will bill you one final time on your monthly billing date because they charge for services after they are completed.
Government Action Taken Against Lexington Law By CFPB
The Bureau for Consumer Financial Protection filed a complaint against Progrexion the parent company of Lexington Law in May of 2019.
In the complaint, they allege that Progrexion doing business as (DBA) Lexington Law engaged or was complicit in deceptive and abusive marketing practices.There are many more very troubling and unethical business practices alleged in the 48-page complaint which you can read for yourself.
The law firm has several affiliate companies that make money by finding prospective customers and referring them to Lexington for their credit repair services.
Lexington Law's largest affiliate would advertise on CraigsList or Facebook that they had 'Rent to Own' opportunities available, when, in fact, they did not have any housing for rent.
When people would call to inquire into the 'Rent to Own' housing, the affiliate would ask them qualifying questions.
Instead of asking questions that would be typical of a possible 'Rent to Own' tenant, they asked them the qualifying questions necessary for Lexington Law to pay them a commission.
The potential tenant would then be told that they did not qualify because of bad credit, even though they never ran a credit check.
However, they would tell them that if they signed up for Lexington Law's credit repair services, they would then be guaranteed to qualify for the 'Rent to Own' program.
Lexington Law executives and management staff exchanged multiple emails amongst themselves and the affiliate that indicate Lexington Law was involved in this scam or at the least knew of it and did nothing.
In one instance, Lexington Law staff exchanged emails discussing how the affiliates script included promises that were clearly deceptive and contrary to CFPB rules.
Instead of demanding the affiliate to cease and desist, they attempted to scheme a way for Lexington Law associates to not be on the phone with the affiliate when the client was illegally misled to specifically induce the client to sign up for Lexington Law's credit repair services.
There are many more very troubling and unethical business practices alleged in the 48-page complaint which you can read for yourself here.
Best Alternative To Lexington Law Firm
Understandably with everything going on with Lexington Law, you may want to consider another credit repair company.
Credit Knocks has a great working relationship with The Credit Pros.
They have been in business since 2009 and have an attorney as their founder.
The Credit Pros have an A+ from the Better Business Bureau and offer competitive pricing with unlimited disputes.
Taking Action On Your Credit
Hopefully, you found the Lexington Law Review helpful.
I know there have been a lot of questions about their credit repair services since the Consumer Financial Protection Bureau filed suit.
While they have been in business for over 20 years, I think that the present management has shown they are more interested in making money and deceiving customers.
There are many other credit repair companies out there to consider.
Credit Knocks recommends you find one that maybe is a better fit for you, such as The Credit Pros.
Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.