What Is Lexington Law Firm?

Sarah Edwards | March 23, 2023

Edited by Hannah Locklear

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.

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.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

• Absolute Resolutions Investments LLC
• Accredited Collection Services
• Alliance One
• Amcol Clmbia
• American Recovery Service
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Autovest LLC
• Cach LLC
• Cavalry SPV I LLC
• Cerastes LLC
• Colinfobur
• Covington Credit
• Crown Asset Management
• CTC Debt Collector
• Cypress Financial Recoveries
• Delanor Kemper & Associates
• Eagle Loan of Ohio
• Educap
• Estate Information Services
• FIA Card Services
• Forster & Garbus
• Freshview Solutions
• Fulton Friedman & Gullace LLP
• Harvest Credit Management
• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Mountain Land Collections
• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
• Capital One
• Chase
• Credit One Bank
• PayPal Synchrony Card
• SYNCB/PPEXTR
• Synchrony Bank
• Target National Bank
• Wells Fargo

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court