Lexington Law is a credit repair law firm that disputes negative items on credit reports using licensed attorneys and paralegals. They've served nearly 11 million clients since 2004 with reported removal of 84 million negative items.
Data compiled from public sources · Google rating shown when a stored review count is available
Lexington Law has operated as a credit repair law firm since 2004, positioning itself as "America's #1 Credit Improvement Law Firm." The company employs licensed attorneys and skilled paralegals to dispute inaccuracies and negative items on client credit reports across all three major bureaus (Equifax, Experian, TransUnion). Their business model centers on challenging negative marks through consumer protection laws and formal agreements with credit bureaus.
The company offers credit dispute services targeting collections, late payments, charge-offs, repossessions, foreclosures, bankruptcies, medical bills, and judgments. Clients receive a free credit assessment and FICO score review to begin, followed by personalized dispute strategies. Services include monthly TransUnion FICO score updates, mobile app tracking, identity theft insurance ($1M coverage), and phone support. Lexington Law advertises that clients see no long-term contracts and can cancel anytime, with first payment due 5 days after sign-up.
Lexington Law distinguishes itself through legal credentials (employing actual attorneys rather than paralegals alone), longevity (20+ years in operation), scale (11 million clients served), and intellectual property protection (four patents awarded by the U.S. Patent and Trademark Office for their dispute methodology). The company publishes specific removal statistics: 50+ million collections removed, 13 million late payments, and 9.5 million charge-offs since 2004. They market a 60-day improvement timeline and claim 50% of negative items removed within 6 months for moderately damaged credit profiles.
However, critical caveats apply: testimonials explicitly disclaim that results vary significantly by case, and the company's core promise is limited to communicating with creditors on client behalf and verifying report changes—not guaranteeing item removal. The 50% removal statistic applies only to clients with fewer than four negative items who remained active for six months. As a for-profit law firm charging for services, Lexington Law differs fundamentally from free non-profit credit counseling alternatives.
This is state-level context for fix my credit consumers in Nashville, TN. It does not confirm that Lexington Law Credit Repair or this specific location is licensed.
State regulator
Tennessee Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Lexington Law Credit Repair offers 11 services including Credit report dispute and error correction through licensed attorneys, Free credit assessment with FICO score review, Dispute letter generation and submission to credit bureaus, Creditor communication and negotiation on behalf of clients, Monthly TransUnion FICO score updates and tracking, and 6 more.
Lexington Law Credit Repair has profile signals associated with Consumers with 1-4 negative items on their credit report (moderately damaged credit) seeking legal representation, Individuals comfortable paying for credit repair services who want attorney involvement versus self-dispute, Consumers wanting hands-off dispute management with monthly score tracking and mobile app monitoring.
Key strengths: Licensed attorneys and paralegals provide legal representation rather than dispute-only services; No long-term contracts; clients can cancel anytime and first payment deferred 5 days; Free credit assessment and FICO score review to start without upfront cost. Areas to consider: Results heavily qualified: 50% removal rate applies only to clients with fewer than 4 negative items who stayed active 6 months; results vary significantly; Company promises only to communicate with creditors and verify changes—not to listed refund term removal of negative items.
In the financial services category, comparable providers include Lily Advance, Silicon Valley Credit Repair Corporation, The Law Office of M. Sean Cydrus LLC. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Lexington Law is profile signals for consumers with limited negative items who want legal representation for credit disputes and prefer paying for managed dispute services over DIY approaches. The primary caveat: promised results (50% removal in 6 months, 60-day improvements) apply only to specific client profiles and are not guaranteed; individual outcomes vary significantly and the company's legal obligation is limited to communication and verification, not item removal.
Tennessee-based merchant cash advance (MCA) lender serving brokers nationwide with fast underwriting and funding for small businesses in 49 states plus Puerto Rico.
Google rating from 93 reviews
Profile signals: Small business owners in restaurants, hospitality, or construction trades needing fast funding, Established businesses in Puerto Rico seeking reliable funding from a listed lender
Silicon Valley Credit Repair disputes negative items on credit reports to help consumers improve scores for major financial goals like home or auto purchases.
Google rating from 24 reviews
Profile signals: Consumers with multiple derogatory items (collections, late payments, judgments) who prefer professional representation, Clients needing debt settlement negotiation alongside credit dispute services
Columbus-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings with 18 years of experience. Offers personal consultations and competitive flat fees starting at $500.
Google rating from 33 reviews
Profile signals: Ohio residents in Columbus or Chillicothe area seeking Chapter 7 bankruptcy with budget-conscious pricing, Individuals overwhelmed by sudden financial hardship (job loss, medical bills, divorce) needing personal guidance
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
Learn exactly how credit score tiers work, what range you fall into, and the specific steps to move up to the next tier where better rates and approvals wait.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →A plain-language breakdown of every factor that goes into your credit score, with specific steps to improve each one even if you're starting from a tough spot.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Lexington Law Credit Repair and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.