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Tradelines, Authorized User Tradelines and Credit Repair
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Lexington Law in New York, NY
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Lexington Law is a credit repair company that disputes errors and negative items on credit reports to help consumers improve their credit scores.
Data compiled from public sources
Lexington Law Review
Lexington Law operates as a credit repair firm focused on helping consumers identify and dispute inaccurate or negative items appearing on their credit reports. The company maintains a presence across most U.S. states and provides access to credit repair services through its website platform, with customer support available Monday through Friday during business hours (7am-4pm MST). Founded to address credit industry issues, the firm positions itself within the broader credit repair and consumer finance space.
The company's core service offering centers on credit dispute and repair. Lexington Law provides guidance on removing various negative items including late payments, charge-offs, repossessions, collections, judgments, foreclosures, medical bills, inquiries, and bankruptcies. They offer educational content on credit reports, credit scores, dispute letter processes, and debt collection laws. The company also provides a free credit assessment to evaluate clients' situations and offers multiple service tiers through their focus tracks model (specific details on pricing and track specifics were not accessible on their public website).
Lexington Law distinguishes itself through several operational features: they employ or work with lawyers (lawyer profiles are listed on their site), maintain corporate responsibility initiatives, and operate physical locations in multiple states. The company provides both chat-based agent support and formal client support channels. Their educational content library is extensive, covering not just dispute processes but also credit-building fundamentals, credit card and personal loan options for bad credit, and explanations of relevant credit laws.
A significant limitation is the lack of listed pricing information on their public website—pricing pages return 404 errors, making it difficult for prospective clients to understand costs before engaging. The company's service hours are limited to weekday business hours, and they are not currently serving all U.S. states. While they position themselves as offering legal support, the actual scope of attorney involvement in individual cases is unclear from available public information.
Services & Features
Bankruptcy removal assistance
Charge-off removal assistance
Collection account dispute and removal
Credit dispute and removal services
Credit education and learning resources
Dispute letter preparation and submission
Foreclosure removal services
Free credit assessment
Inquiry removal services
Medical bill dispute assistance
Removal of late payments from credit reports
Repossession removal services
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Offers free credit assessment to evaluate client situations before purchase
- Employs or works with lawyers, providing potential legal backing for disputes
- Extensive educational content covering dispute processes, credit laws, and credit-building strategies
- Services available in most U.S. states with multiple physical locations
- Multi-channel support including chat with agents and dedicated client support
- Addresses specific negative item types (charge-offs, repossessions, foreclosures, medical bills, judgments, etc.)
- Provides both dispute assistance and credit education resources on their blog
Cons
- Pricing information is not publicly available on website (pricing page returns 404 error)
- Limited service hours (Monday-Friday, 7am-4pm MST only; closed weekends)
- Not currently serving all U.S. states, limiting accessibility for some consumers
- Focus tracks pricing structure and specific service tiers are not clearly detailed publicly
- No listed information about what attorney involvement clients receive in their service plans
State Consumer Finance Context
This is state-level context for fix my credit consumers in New York, NY. It does not confirm that Lexington Law or this specific location is licensed.
State regulator
New York Department of Financial Services
Consumer protection
Key state rules to check
- Payday lending is banned; civil usury cap of 16% and criminal usury cap of 25% make it illegal.
- The Department of Financial Services actively enforces against online payday lenders targeting NY residents.
- Licensed lenders under the Banking Law may charge rates agreed upon for certain loan types.
Complaint resources
- New York Department of Financial Services - State Regulator
- New York Attorney General Consumer Frauds Bureau - State AG
- Consumer Financial Protection Bureau (CFPB) - Federal
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does Lexington Law offer?
Lexington Law offers 12 services including Credit dispute and removal services, Free credit assessment, Dispute letter preparation and submission, Removal of late payments from credit reports, Charge-off removal assistance, and 7 more.
What profile signals are listed for Lexington Law?
Lexington Law has profile signals associated with Consumers with multiple negative items on credit reports seeking professional dispute assistance, Individuals who want legal backing for credit disputes and want to work with law firms, People needing guidance on specific negative items like collections, charge-offs, or judgments.
What are the strengths and weaknesses of Lexington Law?
Key strengths: Offers free credit assessment to evaluate client situations before purchase; Employs or works with lawyers, providing potential legal backing for disputes; Extensive educational content covering dispute processes, credit laws, and credit-building strategies. Areas to consider: Pricing information is not publicly available on website (pricing page returns 404 error); Limited service hours (Monday-Friday, 7am-4pm MST only; closed weekends).
How does Lexington Law compare to similar companies?
In the financial services category, comparable providers include Tradelines, Authorized User Tradelines and Credit Repair, SlimTims CreditRepair, Miami Consultant Services. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- 225 Broadway Suite 3800, New York, NY 10007
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on Lexington Law
Lexington Law is profile signals for consumers seeking professional credit repair with legal support who have multiple negative items on their reports and can pay for the service. The main caveat is that listed pricing is unavailable on their public website, requiring direct contact to understand costs, and their limited service hours and incomplete state coverage may not work for all consumers.
Profile Signals
- Consumers with multiple negative items on credit reports seeking professional dispute assistance
- Individuals who want legal backing for credit disputes and want to work with law firms
- People needing guidance on specific negative items like collections, charge-offs, or judgments
Updated 2026-05-05
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Quick Summary
- Lexington Law is listed as a fix my credit provider in New York, NY on CreditDoc.
- Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
- If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
- For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.
Next Steps
Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Your Credit Score Actually Means: Number-by-Number Breakdown Learn the basics Start the free Credit Fundamentals course.
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