How to Cancel Lexington Law

23 Dec How to Cancel Lexington Law

Dealing with credit report issues can be a hassle, especially when it comes to improving your credit score. This is where Lexington Law’s credit repair services come in. The company promises to help you improve your credit score by identifying and removing errors and inaccuracies from your credit reports. However, it’s important to know how to cancel lexington law. Despite being a well-established company, there may be a variety of reasons why you may want to cancel their services. It’s always best to research and evaluate different credit repair companies to find the best fit for your unique situation.

Overview of Lexington Law

Lexington Law has been in the credit repair business for over 25 years. They offer several service packages to help dispute negative items on your credit reports, though all come at a cost. Their team includes licensed lawyers and paralegals who work on your behalf to remove items like:

• Late payments
• Collections
• Foreclosures
• Bankruptcies
• Judgments
• And more

The company offers three levels of service:

• Concord Standard
• Concord Premier
• PremierPlus

With all packages, Lexington Law handles disputing errors on your credit reports. The higher levels add perks like identity theft protection, cease and desist letters sent to creditors, FICO score tracking, and personalized financial advice.

Why You May Want to Cancel Lexington Law

While Lexington Law has helped many repair their credit, you still may decide their services aren’t for you for several reasons:

You Can Dispute Items Yourself

You technically can dispute inaccurate or unverified information on your credit reports by yourself for free. Doing it yourself takes patience, perseverance, and organization, but it is doable.

If you have only a few errors to correct or limited time on your contract with Lexington Law left, handling disputes on your own could save you money.

You’re Unhappy With the Results

Even when using a credit repair company, repairing your credit score takes time. That said, if Lexington Law hasn’t made progress disputing or removing many errors within the first three to nine months, you may want to cancel and seek alternatives.

Make sure to have clear expectations before starting—truly improving your credit can take around six months or more.

Your Financial Situation Has Changed

Losing your job, dealing with unexpected medical bills, or having other financial stresses happen can understandably make even a reasonably priced monthly credit repair fee feel unmanageable. If paying the monthly costs is putting too much strain on your current budget, canceling may give you some financial relief.

There Are Cheaper Options

Between monthly fees and set-up costs, credit repair services can get expensive. Basic packages start around $79.85 per month. If the expense exceeds what you hoped to pay, other more affordable options like doing it yourself or using credit counseling agencies are available.

Understanding why you want to cancel can make navigating your way out of your agreement much smoother.

How to Cancel Your Lexington Law Credit Repair Service

Canceling your service won’t automatically happen by asking Lexington Law. You will need to take proactive cancellation steps depending on your unique cancellation policy and agreement.

Follow the right protocol, and disentangling yourself doesn’t have to be overly complicated. Here is what to know:

Review Your Contract and Cancellation Policy

Your specific cancellation policy should be easily accessible on Lexington Law’s website or by calling customer service. Review it thoroughly so you understand:

• When you can cancel
• Amount of notice required
• If prorated fees apply
• Any termination or cancellation fees
• The process to cancel service

This information will prepare you to officially close your account.

Notify Lexington Law to Cancel

Once you check your contract and are clear on the cancellation policies, notify Lexington Law via phone, email, or old-fashioned snail mail.

• By Phone: Call (844) 346-3403. Select the “current client” option and request to speak to a member of the client services team. Clearly state you are canceling service. Request written confirmation via email for your records.
• By Email: Email clients@lexingtonlaw.com. In the subject line, put “Cancellation Request.” Include your full name, account number, and the date you want your last day of service to be. Request written cancellation confirmation.
• By Mail: Print and complete Lexington Law’s Termination Form. Then, mail it to Lexington Law Firm, Attn: Cancellations 360 N 700 E Ste A Provo, UT 84606. Make copies before mailing. Send mail with delivery confirmation tracking to ensure its arrival.

Taking five minutes to send a formal cancellation notice can save you time, headaches, and money.

Stop Automatic Payments

Once you officially request cancellation, work to stop automatic payments if you have them set up. As you likely know, services don’t always halt billing cycles just because you asked to cancel.

Log in to your billing account portal. Go to payment settings and cancel automatic credit card debits or bank account withdrawals associated with Lexington Law. Doing so prevents potentially unauthorized charges.

Review the Cancellation Confirmation

Expect to receive cancellation confirmation from Lexington Law once processed. This confirmation should include:

• Notice that your account is closed
• Final statement showing outstanding dues or overpayments
• Last day service is provided
• Any prorated or early termination fees owed
• Where to send final payments if applicable

Review this carefully against your contract. Address any billing errors immediately. Pay remaining fees promptly to prevent being sent to collections.

Request Reports No Longer Needed

During the cancellation process, remember to ask Lexington Law to destroy any credit reports, correspondence history, and other documentation they don’t need in order to close your account.

You don’t want your sensitive information floating around indefinitely if avoidable. Requiring deletion of unneeded private data protects you and gives peace of mind.

Alternatives to Cancelling Completely

While no longer using Lexington Law is your prerogative, alternatives exist too if you still need credit help:

• Pause Service: You could temporarily pause the service instead of fully closing the account. Great if needing a short-term break from fees during a move, job change, or as you reassess some finances. Just know that paused service status varies by company. Check to ensure what pausing does or does not include before temporarily halting service.
• Downgrade Your Plan: Downgrading to a lower-priced package costs less yet still gets some overdue credit report fixes in motion. Concord Standard provides solid basics for repair needs without unnecessary perks you may not use or need right now anyway.
• Use Free Counseling: If short on funds, use Lexington Law’s free credit counseling, education materials, blogs, and financial advice resources. Self-service tools are available online totally free if you can’t swing paying for full repair.

What to Do Next After Cancellation

Canceling services doesn’t mean your credit repair efforts must end completely. Here are proactive things you can do after closing your Lexington Law account:

• Continue disputing any remaining errors found on new credit reports.
• Research other affordable DIY credit repair options to pick up where Lexington left off if you still need active help.
• Fork up cash to pay down debt balances when possible to positively influence your credit score.
• Set up automatic payments on all open accounts even if the minimums to prevent late fees sinking your score.
• Limit applying for NEW lines of credit as opening too many accounts quickly negatively impacts your score.
• Review credit limits on open revolving credit lines to keep your overall utilization below 30%.
• Work on growing your emergency savings account to cover at least 3-6 months’ worth of living expenses, so if another financial crisis hits, you avoid devastating score drops.

You can make progress even after canceling professional credit repair assistance. Patience and diligently building healthy money management habits serve you well.

Last Words

Lexington Law enjoys plenty of positive reputation and client satisfaction over decades helping Americans repair credit report inaccuracies. Yet should you find their services unnecessary or unaffordable any longer, officially closing your account is possible.

Knowing how to cancel lexington law and what your unique cancellation policy states makes navigating ending your agreement smooth. Confirm when monthly payments must stop, how much notice is mandatory before your final service date, and that no unexpected cancellation fees get billed after requesting account closure in writing or over the documented phone line.

Halting automatic monthly payments promptly and double-checking your credit files show no lingering access prevents headaches. Finally, continuing vigilant credit health helps you sustain the gains you achieved while paying for professional help previously.

With the right moves canceling services causes minimal disruptions or score setbacks after discontinuing an active contract with reputable credit repair experts like Lexington Law.

Frequently Asked Questions

1. Will canceling Lexington Law hurt my credit?

No. Canceling alone won’t directly hurt your score or result in more negative marks. Closing an account in good standing doesn’t get reported to the credit bureaus.

That said, if you stop fixing inaccuracies on your credit reports by exiting their repair services prematurely, further score improvements could stall. Tackling disputes yourself or via another service prevents backslides.

2. Can Lexington Law charge me after I cancel?

Lexington Law can’t charge you without consent after formally canceling. However, review your final statement closely. Validate they ceased all billing cycles accurately as of the service end date in writing you agree upon. This protects against mistaken or unauthorized debits.

3. Are Lexington Law contracts binding?

Yes. Their contracts stand up legally assuming proper procedures were followed when you enrolled. You must cancel within set policies like providing any mandatory advanced notice as outlined in your specific cancellation policy.

If Lexington Law broke laws regarding unfair billing practices or the Federal Credit Repair Organizations Act while you were a paying customer, you could potentially fight the terms. But unilateral canceling whenever you want typically violates your agreement.

4. What happens to my credit repair results if I cancel Lexington Law?

Past dispute results and related score gains stay on your credit record going forward. Any positive changes from errors Lexington Law had removed up until account closure remain visible to potential creditors even after you quit paying them.

New disputes just won’t get filed on your behalf moving forward unless you do them yourself or begin paying another credit repair firm going forward.

5. Can I transfer my Lexington Law service to another credit repair company?

No, credit repair help is not transferable between companies. You must cancel your Lexington Law contract first per proper policies. Once canceled fully, you could enroll with a new provider if still need ongoing credit fixes. New companies can review your old reports showing past dispute results as they begin their own analysis and dispute processes.