Lexington Law vs SkyBlueCredit vs The Credit People: Credit Repair Services Reviewed
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Lexington Law vs SkyBlueCredit vs The Credit People: Credit Repair Services Reviewed

Lexington Law offers the most pricing plans to fit your personal credit repair needs. Their service has the most features during the credit repair process. SkyBlueCredit has an excellent rating of A+ from the Better Business Bureau. They have one pricing plan of $59 per month and offer a discount when signing up a family member. The Credit People have two plans to choose from, a monthly and a flat rate plan without any start up fees. They will also get all of your credit reports at no extra cost.
Covered in this report
Lexington Law — Best Features
In 2016, Lexington Law removed 9 million negative items from their client’s credit reports.
They offer the most pricing plans to choose from.
Best for: Customers that are looking for a full service credit repair service with several plans to choose from.
Best deal: Free E-Book & Credit Consultation - [activate coupon]
SkyBlueCredit — Best Features
SkyBlueCredit is rated an A+ by the Better Business Bureau.
They offer a fast and smart service, disputing 5 items per credit report for a total of 15 disputes every 35 days.
Best for: Customers that need their credit repaired as quick as possible at an affordable price.
The Credit People — Best Features
To begin, they will get your credit reports and scores from all three credit reporting agencies at no extra cost.
They offer a flat rate pricing plan at just $299 for six months.
Best for: Customers that would like a simple to use credit repair plan that does not require them to get their credit reports.

Lexington Law

Lexington Law has been in business since 1991 helping customers fix their credit reports and get rid of illegal and questionable reports on their credit reports. They can help customers with bankruptcies, tax liens, charge-offs and other questionable items on a credit report.

Lexington Law Services

In 2016, Lexington Law removed 9 million negative items from their client’s credit reports. These negative items that they removed from clients credit reports include:

  • Collections
  • Late payments
  • Charge offs
  • Foreclosures
  • Repossessions
  • Bankruptcies
  • Liens
  • Judgments

How Lexington Law Works

Lexington Law offers credit repair services that can help all clients clean up their credit reports, remove wrong and negative remarks and items and help clients raise their credit score.

Credit repair is a legal process and legal right of all Americans. There is no reason that anyone should have wrongful negative comments on their credit reports that can lower their credit scores. Negative comments on a credit report and a lower credit score can affect us in so many ways that include higher interest rates on credit cards and purchases and make it more difficult to qualify for a new home, renting or buying.

  • Getting Started: To get started, Lexington Law offers a free credit repair consultation. This free credit repair consultation includes a complete review of your free credit report summary and credit score.
  • Case Intake: Lexington Law has several different plans. Once your free credit repair consultation is complete, their team of lawyers and paralegals will look over your credit reports from all three credit reporting agencies, Equifax, TransUnion and Experian. Each client’s case is unique with differing information on each credit report. Lexington Law will collect all of the information regarding your current situation for each credit report item in question.
  • Legal Action: Their paralegals and attorneys that are assigned to your particular case will then review all of your credit reports and then direct appropriate legal actions. These legal actions include appropriate correspondence to the credit reporting agencies and your creditors.
  • Credit Repair Strategies: Everything on your credit reports will be carefully looked over and matched with the right credit repair strategies that are applicable to your particular situation.
  • Credit Score Analysis: Lexington Law offers several different plans that are matched to each client’s specific credit repair needs. Clients that are a part of their Concord Premier plan will receive a personalized credit score improvement analysis each month. This personalized analysis targeted information that can help clients raise their credit scores. In addition, Lexington Law offers their paralegals available to talk to via telephone, chat or email to provide helpful coaching.
  • Follow-up and Escalation: Lexington Law will work with clients and use all available federal statutes to leverage your position to fix your credit reports. Clients have the ability to send Lexington Law all responses you receive from creditors and the credit reporting agencies. Customers can also track their case and monitor results at any time of day to night with their mobile apps and website.

Their website also includes a good credit education section. They offer a free consultation and a free e-book.  

Lexington Law Prices

Lexington Law offers the following plan services and prices:


Premier Plus

Concord Premier

Concord Standard


$119.95 per month

$99.95 per month

$79.95 per month

Bureau Challenges




Creditor Intervention




Inquiry Assist




Score Analysis




Report Watch




TransUnion Alerts




Cease and Desist Letters




FICO Score Tracker




Identity Protection




Personal Finance Tools




In addition to the above monthly fees, there is a one-time start up fee with all plans that costs $99.95. Concord Premier is their most popular plan. Lexington Law also offers a friends and family 50% discount.

Their service is month-to-month and clients may cancel anytime. Like a utility bill you will be charged a final payment after cancellation since billing occurs for services already performed.

Lexington Law Customer Comments and Ratings

There are numerous good consumer comments about Lexington Law. Customers write that Lexington Law was able to deal with illegal and wrongful items on their credit reports, like items that were over 7 years old, which is against the FDCPA law of the United States. Other customers were happy with Lexington Law and the average length a customer uses Lexington Law was 4 months to repair their credit reports.

Lexington Law also has several negative customer comments on the internet. Many clients have reported that when they tried to cancel they were still billed. These negative comments are mainly because of a misunderstanding. The company bills for services already performed and once a customer cancels, they will still get one more bill.

Other customers stated at first they were very pleased with Lexington Law when their negative reports came off of their credit reports, but then those same negative credit report items showed up again.

They are rated NR by the Salt Lake City, Utah Better Business Bureau. They have had a large number of complaints over the past 3 years according to other accounts. They currently have 43 positive reviews and 91 negative reviews on the BBB website.


SkyBlueCredit has been in business since 1989 helping clients with credit repair and credit restoration services. They operate in strict compliance with the Credit Repair Organizations Act, which is the federal law that governs this industry. SkyBlueCredit operates nationally and they are licensed and registered with State Attorney offices as required, and they carry surety bonds.

SkyBlueCredit Services and Features

SkyBlueCredit offers the following credit repair services and features:

  • Professional Analysis: This feature will identify the problem areas of your credit reports including the most subtle candidates to dispute.
  • Faster Disputes: They offer a fast and smart service, disputing 5 items per credit report for a total of 15 disputes every 35 days.
  • Score Assistance: When SkyBlueCredit reviews your credit reports, they will pinpoint specific and direct actions that you can take to raise your credit score. Because raising your credit score is an important part of their service.
  • Credit Rebuilding: They will give their customers professional guidance to help successfully open new credit cards and teach you how to manage your credit card balances so that you can get the optimal FICO credit score.

SkyBlueCredit also offers the following extra services:

  • Debt validation
  • Goodwill letters
  • Negotiation guidance

Their website also includes a comprehensive learning and education center.

How SkyBlueCredit Works

Getting started at SkyBlueCredit is easy with the following steps to help customers clean up their credit reports:

  • Complete their online startup form to begin with. Shortly after completing the signup form, you will get an email with instructions about how to get your three credit bureau reports.
  • Review and Setup: Once they receive your credit reports, they will conduct a line by line analysis of the credit reports, note the possible problems and email you with a list of possible items on the credit reports that can be disputed. Customers will also get a helpful list of practical score optimization and rebuilding tips applicable to your particular situation.
  • Dispute Process: SkyBlueCredit will then challenge the wrong or erroneous items on your credit reports. You will then be sent the results of the challenges from each credit reporting bureau. If these items are not corrected by the credit reporting agencies, SkyBlueCredit will automatically send a customized re-dispute letter designed to maximize the probability of achieving the desired outcome.

SkyBlueCredit Pricing

SkyBlueCredit has the following costs and prices.

  • To start, they require a one time start up fee of $59 to get started and $59 per month thereafter. This first monthly fee is not charged until a month later. They charge when work is completed and never in advance.
  • Couples can get a special price of $99 for a review and setup and $99 per month.
  • They require that you do provide three credit reports to get started at your cost if any. Federal law allows one free credit report per year from each of the three main credit reporting agencies, Experian, TransUnion and Equifax.
  • You may select either a monitoring service for $14.99 per month (which includes FICO Scores, 3-Bureau Monitoring, and ID Theft Protection), or a one-time purchase option for $29.95.

SkyBlueCredit offers their Sky Blue 90 day guarantee. If customers are not satisfied for any reason, SkyBlueCredit will refund the money, all you have to do is tell them why you are not satisfied.

They also have the following disclaimer with their guarantee, “This guarantee is effective for 90 days from date of enrollment and is not meant to imply a guarantee of a specific outcome. Refund policy expires 90 days from date of enrollment. Refund shall not exceed the amount you have paid to us during the first 90 days of your membership.”

SkyBlueCredit Customer Ratings

SkyBlueCredit has mainly good customer comments, especially in regard to friendly and helpful customer service representatives. Another positive is that they have been in the credit repair business for 28 years and know what they are doing. SkyBlueCredit is rated an A+ with the Boca Raton, Florida Better Business Bureau with 38 positive reviews and no negative reviews.

The Credit People

The Credit People was founded in 2001 with a corporate address in Cottonwood Heights, Utah. Their credit repair service includes many features that other companies provide with a few advantages at a lower price.

The Credit People Features

The Credit People offers the following features when you sign up with their credit repair services:

  • Creditor interventions
  • Free credit reports and scores
  • Unlimited disputes
  • Debt and inquiry validations
  • Customized credit priorities
  • 15+ years of experience
  • Toll free support
  • Certified Fair Credit Reporting Act (FCRA)
  • Low monthly fee
  • Cancel at any time

The Credit People Services

The Credit People can investigate and remove the following items on your credit report.

Getting started with The Credit People is easy. Using The Credit People, you can expect the following:

  • The Credit People will provide customers with a secure online account within 48 hours, which allows you to monitor all progress.
  • They will obtain your credit reports and beginning credit scores from all three credit reporting agencies so you do not have to go through that.
  • You can expect to start seeing results and credit improvements in less than 60 days.
  • Your credit will continue to improve throughout the duration of this process.
  • At the end of this process, you will see an improved credit report. The Credit People will also give you a future plan so that you can maintain your good credit.

The Credit People Prices

The Credit People offers two pricing plans to keep credit repair simple.

Monthly Membership

The Credit People does not charge in advance, you can pay just $19 and try them for 7 days. If you decide to continue with their credit repair service, the fee is $59 per month. There are no set up fees or hidden fees, and you can cancel at anytime.

Flat Rate Membership

Customers can sign up for their complete 6 month credit repair program for a cost of $299. No hidden or sign up fees, just the flat rate price.

The Credit People Customer Ratings

The Credit People is rated a C- by the Utah Better Business Bureau. The reason for this rating is that they failed to respond to 1 complaint. They have mixed customer reviews, which is to be expected considering there are so many variables in a credit report. Most negative comments were that their credit scores did not rise as much as they thought it would.

The Credit People Satisfaction Guarantee

Their satisfaction states that if you are on their month to month plan, you can cancel at any time and not be charged for that month of service. If you chose the flat rate plan, you have a full six-month satisfaction guarantee. They do not make any mention of a money back refund.

Additional Information
Lexington Law
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