 TITLE: Credit Repair Service Using Lexington Law CONTENT: Credit Repair Service — How Does Lexington Law Work?\n----------------------------------------------------\n###### Written by: Kristy Welsh\n_Last Updated: March 21, 2017_\nIf you’ve done much research on credit repair companies, you know there’s a lot to be leery of. While there are legitimate services out there, many are scams that will only make your financial situation worse. Lexington Law is one of the exceptions, which is why we have been recommending them for years. They understand applicable consumer protection laws and they use credit repair techniques accordingly. Want to know what to expect? Here’s how Lexington Law works.\nMonthly Credit Repair Service Levels\n------------------------------------\nWhether you do credit repair on your own or pay a company to do it for you, it’s typically a months-long process. To that end, Lexington Law charges by the month, the cost of which varies depending on which service level you choose:\n*   Concord Standard — $89.95\/month\n*   Concord Premier — $109.95\/month\n*   PremierPlus — $129.95\/month\nThat said, you won’t be charged the monthly fee right away — or _any_ upfront fee, for that matter. Five to 15 days after you sign up, you will be charged a “one-time first work fee” for “work initially completed.” Your monthly fee doesn’t kick in until 30 days later. (Note, specific time frames for charges vary by state.)\nWhat Lexington Law Can Do For You\n---------------------------------\nIf you go with the **Concord Standard** level with Lexington Law, you can expect the following:\n*   Assigns attorneys and paralegals to your case\n*   Looks at your credit reports from all three major credit reporting bureaus — Experian, TransUnion, and Equifax\n*   Asks you to explain how certain negative listings have unfairly impacted your credit\n*   Determines which credit repair strategy is best suited to each item\n*   Sends dispute letters to the credit bureaus on your behalf, as appropriate\n*   Sends intervention letters to creditors, as appropriate (e.g., escalated account investigations, goodwill interventions, requests for debt validation)\nThrough it all, you can track your credit repair process 24\/7 through their website or mobile app.\nIf you go with the **Concord Premier** level, you get:\n*   All of the benefits of Concord Standard\n*   Monthly analysis of your credit reports and scores\n*   Daily credit monitoring of your TransUnion credit report and score\n*   Tools to deal with creditor inquiries that unfairly hurt your credit score\n*   Coaching on how to deal with damaging changes to your credit reports\nLastly, if you go with the **PremierPlus** level, you get:\n*   All of the benefits of Concord Standard and Premier\n*   Help asking creditors to cease and desist contact with you\n*   Monthly FICO Score tracking\n*   Tool to track your financial and credit accounts\n*   Fraud alerts\nWhat Lexington Law Credit Repair Service Does NOT Do\n----------------------------------------------------\n**They don’t mislead you about results.**\nWhile they do reference an average of 10.2 removals per customer within 4 months’ time, they stress it’s different for everyone.\nAs Lexington Law states on its website, “Not only is it illegal to guarantee results for credit repair, it is impossible to predict final actions and decisions of creditors, debt collectors, and credit bureaus.”\nThey also make clear that the 10.2 removals is across all three credit bureaus, meaning if one listing is removed from all three of your credit reports, Lexington Law counts it as three removals.\n**They don’t lock you into a contract.**\nWhichever service you sign up for is on a monthly basis. You can cancel your Lexington Law service at any time. Of course, they only charge for work _after_ it is performed, so you should expect to be billed one more time after request of cancellation.\n**They don’t pretend like you can’t do it yourself.**\nAs we have stated countless times here over the years, there is nothing a credit repair company can do for you that you cannot do for yourself. Lexington Law states as much on its website: \"Remember that you have the right under federal law to conduct your own credit repair work if you so choose.\"\n**They don’t charge you for work they haven’t done.**\nAgain, Lexington Law only charges for work they have completed. Though required by law, this is not a given across this industry. All too often, consumers are duped into paying upfront fees, sometimes for work that never gets done at all.\nHow to Get Started Using a Credit Repair Service\n------------------------------------------------\nTalk to someone at Lexington Law. **Call 800-461-0524 for a free consultation** that includes a review of your credit report summary and a FICO score. It’s free with no obligation.\nIf it turns out to be something you feel you can’t afford right now, remember that DIY credit repair is free. And as Lexington Law states on its website, \"You have the option to begin the credit repair process on your own and enlist the help of Lexington Law at a later point in time.\"\nLearn more at LexingtonLaw.com. END