GOFreeCredit.com Review

In a nutshell: :  An ideal tool for customers who want to continue monitoring their progress and improving their credit after completing the initial stages of the credit repair process.

 

Pros

Cons

Free consultation to better understand credit reports

Text or mobile alerts unavailable

Receive access to 3-bureau monitoring

No Lex OnTrack dedicated support


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What About Fraud Deterrence?

Customers looking for fraud protection will find several useful features in Lexington Law’s Lex OnTrack. The company offers three-bureau monitoring and regularly conducts scans of users’ sensitive personal data across the web. This includes details such as contact and address information, banking particulars, and more. If customers suspect they have become victims of fraud, Lex OnTrack can assist with the process of freezing credit reports to users avoid long-term damage to their credit scores. Additionally, Lex OnTrack delivers fraud alerts for a variety of different circumstances including additions to user’s court records, changes to health insurance information, and even child identity theft for those customers with families. 

Lex OnTrack at a Glance

With a wealth of experience and expertise in the field of credit repair and reporting, Lexington Law has established its name in the credit reporting industry. The company offers personalized and comprehensive repair services and recently launched Lex OnTrack to help customers who are looking to enhance their credit keep better track of their scores. Moreover, their new service offers monitoring and identity theft protection to help ensure users do not have to repeat the credit repair process in the future. Thanks to an outstanding support team of trained specialists, Lexington Law offers top-of-the-line services at affordable rates. 

Best for Whom?

As a complementary solution to Lexington Law’s credit repair offerings, Lex OnTrack is an outstanding way for customers working to restore their scores to stay on top of changes to their credit reports. The company’s services are focused on those customers who have been victims of fraud or faced dire financial straits, but are acting diligently to restore damaged or weak credit. Lex OnTrack empowers these users to protect themselves from further fraud and identity theft by regularly tracking a subscriber’s progress and scanning credit reports. Moreover, Lex OnTrack members have access to Lexington Law’s team of trained specialists who are dedicated to helping users understand their reports and scores apart from answering any questions related to the credit recovery process. For customers looking to improve their credit and raise their level of preventative protection, Lex OnTrack presents an intriguing alternative. 

Features and Services Offered

There are several features that make Lex OnTrack an attractive choice for credit reporting and monitoring. Customers receive a full suite of identity theft protection services which scan for a range of information that includes personal details, arrest records, health insurance data, and even social security numbers. Moreover, the company offers a monthly FICO score from TransUnion, along with an annual credit reports and scores from the three major bureaus. More than simply receiving reports, customers can access score analysis, which helps identify areas they should improve before delivering suggestions designed to help users proactively advance their creditworthiness. Apart from these value-added services, Lex OnTrack rounds out their solution with a variety of personal finance tools and an impressive $1 million worth of identity theft insurance. The company also helps customers remove erroneous or fraudulent items from their credit reports as part of their larger credit repair service on an as needed basis.

Highlights for Lex OnTrack:

  • ­Three-bureau report and score monitoring
  • Regular scans for a wide range of personal details
  • Monthly TransUnion FICO score
  • Score analysis helps identify areas for improvement
  • Personal finance tools assist with restoring control over finances
  • Receive alerts for any potentially fraudulent addition to credit reports
  • Credit repair and restoration services available as needed
  • Freeze credit if necessary

Monitoring Utilities

One of the biggest areas of focus for Lex OnTrack is helping customers regularly monitor their credit. Upon signing up, customers are entitled to receive an annual 3-bureau credit report along with their respective scores. For more regular updates, members receive monthly TransUnion credit report summaries and FICO scores, which can be viewed using the company’s score analysis tool. Users can review their progress and better understand which areas are impacting their score while receiving helpful suggestions designed to give actionable strategies for overall improvement. Customers worried about fraud can rest easy thanks to around-the-clock credit monitoring and alerts. Lex OnTrack sends alerts to customers via telephone and email when there are major changes to credit reports or personal data. Members are notified when adjustments are made for personal details, arrest records, health insurance information, and even a child’s identity for participating families. Customers who require assistance can call Lexington Law’s team of trained credit experts for useful advice regarding interpreting credit reports and help freezing their credit should an emergency unfold. 

Credit Repairs: Protection and Restoration

More than simply offering monitoring, Lex OnTrack can help customers recover and repair their credit efficiently if they should become victims of fraud. Lexington Law’s track record and expertise in the field of credit repair makes them an invaluable asset for customers looking to fix issues with their scores and reports. However, credit repair is a last line of defense, and the company offers a variety of services before such an alternative becomes a necessity.

Users who find issues with their credit reports can call Lex OnTrack and receive assistance in one of two ways. The first is to remove any erroneous items from their credit reports. Lex OnTrack can help dispute and eliminate items that appear on all three major credit reports. The second solution Lex OnTrack delivers is assistance for customers that need to freeze their credit if they suspect their identity has been compromised.

Customers receive alerts immediately if any fraudulent or suspicious activity is detected, letting them take action quickly and avoid long-term ramifications. For customers who have their identity stolen, they have access to Lexington Law’s full scope of repair and recovery solutions, which helps members get back on their feet quickly. Once the recovery process is complete, Lex OnTrack works hard to support customers in their efforts to restore credit by offering a structured and insightful interface to understand their scores. Furthermore, trained experts work hand-in-hand with affected subscribers to find the best ways to quickly restore their creditworthiness. 

How Safe is It?

Users subscribing to Lex OnTrack can rest assured that their pertinent personal details and financial information is kept safe. The service is backed by Lexington Law, one of the best-known names in credit repair for offering a high degree of transparency and trust. The company clearly states which personal information they collect, and how they use it to provide customers with the best service. They also collect some non-identifying information, which is used to improve their services. Lexington Law does not share personal information with any third parties, and not without customers’ consent. Customers also have the ability to opt out of the company’s mailing and communications lists. All user data is protected and transmitted using SSL protocols and is stored on secured data servers. 

Payment Options

Members can benefit from Lex OnTrack’s straightforward payment structure. The service does not require signing up for Lexington Law’s repair services, which are priced separately. Instead, customers pay a single fee of $24.95 per month. This affordable rate includes all of Lex OnTrack’s services. More importantly, the company does not hide any of its services behind a paywall or charge more for any of the value-added tools. 

Deep Dive into Pros and Cons

During our research, we identified some areas of Lex OnTrack that could be improved to offer a better service. First, the company does not include an educational section with articles specific to credit reporting and monitoring. Apart from more industry specific resources and a knowledgebase, the company’s website could also include more information on their services to help customers better understand their offerings. Finally, customers would benefit even further from the ability to view monthly three-bureau credit scores.

There are several characteristics that stood out. We were impressed with the breadth of information Lex OnTrack monitors on behalf of customers. Having the support of Lexington Law not only lets users benefit from the experience of the knowledgeable staff on hand, but also supplies reliable and efficient credit repair for customers who require it. We really liked the company’s score analysis, which creates categories designed to help users easily decipher their credit reports and scores. 

Help & Support

Customers who require support can contact Lexington Law either by telephone or via email. We found the company’s support staff to be very well-trained and knowledgeable when it came to discussing credit reporting and monitoring. Overall, wait times at the call center were minimal, and email responses arrived within one business day on average. Customers who prefer face-to-face support can schedule an appointment with one of the company’s branches. 

Final Word

Thanks to a robust monitoring and reporting solution, Lex OnTrack helps customers continue improving their credit score with an easy-to-use tool. The service empowers users with the ability to track their progress and find areas to proactively build their creditworthiness. With excellent identity theft protection and the backing of a well-regarded credit repair institution, Lex OnTrack is an ideal solution for users looking to raise and protect their credit scores at an affordable rate.

Physical Address

Lexington Law

PO Box 501290

Salt Lake City, UT

84151

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