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What Is Lexington Law Firm?

Sarah Edwards | March 23, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Edwards is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If bad credit is dragging you down, you might consider a credit repair service like Lexington Law Firm. You should do your research before enrolling in a credit repair program, especially with Lexington Law Firm, which has many concerning reviews online. Keep in mind that you can also repair your credit score on your own, and debt settlement is a great way to start. SoloSettle makes debt settlement simple.

Do you need to buy a car, or are you searching for a new job? Look at your credit report to see if any items could send your plans awry. Adverse reports can make it harder to obtain a loan, land a job, or get an apartment.

You can recover from a bad credit score, but it usually takes time and diligence. Sometimes, people become desperate and look to credit repair services, like Lexington Law Firm, for help. There are numerous companies in the credit repair industry, and not all of them are legit. Do your research before paying for their services.

What to know about Lexington Law Firm

Lexington Law Firm is a credit repair firm in West Valley City, Utah. Its extensive website provides resources for consumers looking to repair their credit and increase their credit scores.

Aside from Lexington Law Firm’s free resources, it also offers three paid programs that consumers can sign up for to repair their credit. The programs include Concord Standard, Concord Premier, and Premier Plus.

All three programs assist clients with credit bureau challenges, creditor interventions, and inquiry assistance. They also come with identity theft insurance. The firm’s most extensive program, Premier Plus, includes TransUnion FICO scores and a personal finance manager to assist with budgeting and financial planning.

Consumers can sign up for Lexington Law Firm’s credit repair services via its website or by calling the company directly. Each customer undergoes a consultation before starting the program.

Lexington Law Firm claims to use its legal expertise to challenge adverse reporting on an individual’s credit report. It examines your report for negative items and challenges them with your creditors.

If the creditors or credit reporting bureaus fail to respond to Lexington Law Firm’s inquiries, they must remove the negative items, which can improve your score.

Is a debt collector hounding you for an old debt? Make them validate your obligation with SoloSuit’s Debt Validation Letter.

What customers have to say about Lexington Law Firm

Lexington Law Firm has a D+ rating with the Better Business Bureau (BBB)—one of the worst scores a company can have. It has no accreditation with the BBB. As of March 21, 2023, the firm has a 1.25 out of 5-star rating from 333 customer reviews.

Lexington Law Firm has 747 customer complaints made in the past three years with the BBB. Most complaints concern unauthorized charges to the client’s debit and credit cards. Dozens of clients say they canceled their service with Lexington Law Firm only to see ongoing monthly charges that don’t stop.

One client claimed that the company transferred him to a loan provider following a consultation for credit repair. The agent didn’t tell him why they transferred him, and he never implied he needed a loan. The client felt it was false advertising and a bait and switch.

You don’t need a credit repair service to increase your credit score

Sometimes, desperation outweighs logic, and consumers decide to sign up for credit repair services in hopes they’ll improve their credit scores. However, repairing your credit is something you can do yourself.

When you hire a credit repair service to do the work for you, you can’t control their actions to fix your credit, and you may find yourself caught up in a scam.

While Lexington Law Firm isn’t necessarily a scam, the negative reviews indicate a reluctance on the company’s part to treat its customers fairly and cancel subscriptions they no longer want. The organization makes it excessively hard to withdraw from its programs. Another concern is transferring customers to lenders, who may take further advantage of the client.

A legitimate business will take ownership of its BBB profile and seek to deliver effective results. It won’t refuse to cancel a client’s subscription or make withdrawing extraordinarily hard.

Build your credit the right way

The best way to increase your credit score is to stay on top of your monthly payments and avoid overextending yourself. A lengthy history of on-time payments will help you build your credit history.

You should carefully consider whether you need a line of credit before applying for one. For instance, if you go shopping and pick out clothing for your spring wardrobe, you shouldn’t automatically apply for a store credit line.

Consider your buying habits and whether store credit will encourage you to buy more things you don’t need. If you don’t have the money to buy everything you pick out, put a few items down and purchase only your favorites with cash.

You should also be careful about major purchases, like homes and cars. A bad credit score can increase your monthly payments on large-ticket items by hundreds of dollars. If you don’t qualify for a low-interest loan, build your credit before accepting an expensive mortgage or car loan you’ll have difficulty affording.

It’s best practice to review your credit report every six months. That way, you’ll catch errors and dispute them quickly. For instance, if a creditor reports you made a late payment, you’ll want to dispute their report. If they can’t validate it, the credit bureaus will remove it from your report and your credit score will increase.

Let’s consider an example.

Example: Liza has a few credit lines for a car loan and two credit cards. She makes all of her payments well before the due date. Liza decides to check her credit report since she’s planning to buy a new condo. She finds that one of her creditors mistakenly reported a late payment. She files a dispute, and the creditor removes the late payment from her report, increasing her score.

Don’t fall for credit repair scams

Most scams prey on people in difficult situations, such as having bad credit or needing an immediate loan. While working with a credit repair company may sound beneficial, there’s no guarantee it can improve your credit score. Instead of paying for services, review your credit report and dispute any errors.

Is a creditor suing you for an old obligation? Use SoloSettle to settle your debt today.

Settle your debt and start over

If you’ve been sued for debt, chances are your credit score has dropped significantly. And it might feel overwhelming to face a debt lawsuit, especially when you consider the expense of hiring an attorney to represent you.

Luckily, you can settle your debt at any stage of the debt collection process, even if you’ve already been sued for what you owe.

Debt settlement can help you save thousands and avoid going to court. While it will have a temporary effect on your credit score, it is better to have a settled debt appear on your report than no payment at all.

SoloSettle makes debt settlement easy. Our software sends and receives settlement offers until an agreement is reached. Then, it manages your settlement agreement documentation and transfers your payments for you, keeping your financial information private and secure.

Debt settlement can help you reset and open doors to a better financial future in which you can build your credit score.

Settle with SoloSettle

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