Lexington Law Review: Is This Credit Repair Law Firm Worth It in 2026?

Lexington Law is a credit repair service founded in 2004 that takes an attorney-backed approach to disputing inaccurate items on credit reports. The company is staffed by lawyers and paralegals who handle bureau disputes, creditor interventions, and Fair Credit Reporting Act and Fair Debt Collection Practices Act violations. Lexington Law charges a flat monthly fee of $139.99 with no upfront costs, and has served more than 11 million clients since its founding.

In 2023, Lexington Law was the subject of a $2.7 billion Consumer Financial Protection Bureau judgment for deceptive marketing practices, which led to a Chapter 11 bankruptcy filing. The company has since reorganized with updated billing and marketing practices.

Key Takeaways

• Lexington Law stands out as one of the few attorney-backed credit repair services, with lawyers and paralegals who help you dispute inaccurate items and tackle FCRA and FDCPA violations. Since 2004, it has served more than 11 million clients and removed over 84 million negative items from credit reports.

• Pricing is now a flat $139.99 per month with no upfront fees, billed five days after sign-up. After a 2023 CFPB judgment of $2.7 billion and a Chapter 11 bankruptcy, the company reorganized with more transparent billing and marketing practices.

• Choose Lexington Law if you have complex credit issues or need legal expertise, but skip it if you want budget pricing, a money-back guarantee or simple disputes — competitors like Credit Firm at $49.99 or Safeport Law may fit better.

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What Is Lexington Law?  

Founded in 2004, Lexington Law has served more than 11 million clients and removed over 84 million negative items from credit reports. Unlike most competing credit repair services, Lexington Law takes an attorney-backed approach, with lawyers and paralegals who help clients navigate more complex issues and consumer protection laws. It’s owned by PGX, which also owns CreditRepair.com, and is one of the largest credit repair firms in the U.S. 

How Lexington Law Works 

Lexington Law walks its clients through a four-step process.  

• Credit report analysis: Lexington Law pulls your credit report, analyzes it, targets inaccurate items to dispute and creates an action plan.

• Credit disputing: The team actively challenges the credit bureaus to remove negative items.

• Dispute escalating: Your representatives send secondary and follow-up correspondence for challenges that require them. 

• Credit Monitoring: Lexington Law monitors your credit and your case, notifying you of changes to either in the site’s online portal. 

Services Offered 

Lexington Law provides the following services to its clients: 

• Bureau disputes

• Creditor interventions

• Debt validation

• Cease-and-desist letters

• FCRA/FDCPA violation identification

• Goodwill letters

• Credit monitoring

• Identity protection

• Score analysis

• Specialty services for credit situations relating to divorce, military service, medical bills and student loans

Pricing & Plans 

In the wake of a 2023 multi-billion-dollar legal judgment and bankruptcy filing, Lexington Law changed its three-tiered pricing structure to a flat monthly rate of $139.99 for all clients. 

The company also replaced its first-work fee with a zero-down framework that charges the first month’s fee five days after signing up for initial start-up work completed in that time. Then, the monthly fee is billed with each subsequent 30-day period.

Pros and Cons 

Consider the following drawbacks and benefits of working with Lexington Law.

Pros

• Decades of experience

• Attorney-backed disputes and legal services

• One all-inclusive price 

• Mobile app and client portal

Cons

• No money-back guarantee

• No tiered price options

• Recent and substantial history of legal troubles

Does Lexington Law Actually Work? 

Many satisfied customers report that Lexington Law has been a worthwhile investment. However, prospective clients must have reasonable expectations tempered by the limitations of Lexington Law and all credit repair services, which can not remove legitimate blemishes from credit reports, regardless of how hard they try or how much they charge.

While noting that “results vary,” Lexington Law states that 50% of negative items are removed within six months for customers with moderate credit damage who kept their accounts active for at least that long. 

Is Lexington Law Legit? Addressing the CFPB Lawsuit 

Lexington Law is a legitimate credit repair service, but it recently emerged from a longstanding legal entanglement with its reputation damaged. 

In 2023, the Consumer Financial Protection Bureau (CFPB) won a judgment and enforcement action against Lexington Law, CreditRepair.com and their shared parent company. The victorious suit alleged that the company violated the 2010 Consumer Financial Protection Act and the Telemarketing Sales Rule by spending years engaging in deceptive, bait-and-switch advertising and charging upfront fees. 

The settlement imposed a $2.7 billion judgment against the company and banned it from telemarketing its services for 10 years. 

In June 2023, BusinessWire reported that Lexington Law filed for Chapter 11 bankruptcy, which triggered the liquidation of its assets, forced 900 layoffs and led to an 80% organizational shutdown, according to the Credit Law Center. 

It has since reorganized, re-emerged and changed its billing and marketing practices. 

User Reviews & Reputation 

Lexington Law is not accredited by the Better Business Bureau. Its official rating and any reviews it might have received are not publicly visible because the BBB currently lists its business profiles as being “under review.” 

It earns a middling 3.3 stars out of five on Trustpilot, where 94% of reviewers give it either 5 stars (68%) or 1 star (26%), with almost no one feeling just OK about their experience. 

It does better on Google Reviews, where it holds a four-star rating.

Satisfied customers report good communication, fair pricing and fast results. Less generous reviewers commonly cite surprise costs, misleading advertising and little benefit for their money among their chief complaints.

Lexington Law vs. Competitors 

Consider the following alternatives in the credit repair industry.

Lexington Law vs. Credit Saint

Like most in the industry, Credit Saint is a standard credit-repair company that does not provide premium legal services, like Lexington Law. However, it enjoys impressive customer reviews and promises a 90-day money-back guarantee. Its three price tiers are $79.99, $109.99 or $139.99 per month, plus start-up fees of between $99 and $195. 

Lexington Law vs. Sky Blue Credit

Sky Blue Credit costs $79, $99 or $119 per month — all cheaper than Lexington Law — but like Credit Saint, its services aren’t backed by attorneys and the platform focuses mainly on disputes and removals. 

Lexington Law vs. The Credit People

Unlike most three-tier or flat-rate structures, The Credit People has a unique pricing framework with $99 and $119 monthly options, plus a third choice of $599 for six months of the more expensive package.

Lexington Law vs. CreditRepair.com 

CreditRepair.com is Lexington Law’s sister company. It’s owned by the same parent company and — more than Lexington Law — became the public face of the CFPB legal case and, for many, industry malfeasance, in general.

Lexington Law vs. Credit Firm

Credit Firm is the dominant player in the budget credit repair segment. It charges one flat rate of $49.99 per month with no first-work or start-up fees, and its impressive list of services is more inclusive than that of several higher-priced competitors.

Lexington Law vs. Safeport Law 

Safeport Law is one of the few other attorney-backed credit-repair firms competing directly with Lexington Law. Its two price tiers are $89.99 and $129.99 per month, with an identical one-time start-up fee charged after six days for each. It offers a 90-day money-back guarantee.

Which Lexington Law Plan Should You Choose?  

Lexington Law now charges a single flat rate of $139.99 per month for all users. However, individuals can choose several “focus tracks” to accommodate unique situations, including: 

• Divorce

• Student loans

• Medical bills

• National emergency

• Identity theft

• Military service

Who Should Use Lexington Law? 

The ideal user is someone with more complex issues than standard credit-repair companies can typically accommodate, and who prefers attorney-backed assistance in navigating debt and consumer-protection laws, such as FCRA and FDCPA violations. Budget-focused consumers with simple disputes and removal requests, as well as those concerned about the company’s legal history, might be better served elsewhere.

How to Cancel Lexington Law 

Lexington Law does not require long-term contracts, bills only for the previous month’s completed work and allows customers to cancel for any reason. To cancel, log in and navigate to the Manage Your Service page, or visit the Contact Us page to start a live chat. The company does not have a refund policy beyond canceling within the first five days. 

Frequently Asked Questions 

Is Lexington Law still in business? 

Yes. It successfully emerged from a legal settlement and bankruptcy and continues to serve clients. 

What happened with the CFPB lawsuit? 

The CFPB won a $2.7 billion judgment against Lexington Law, CreditRepair.com and their shared parent company, which forced the firm into Chapter 11 bankruptcy. 

Is Lexington Law a scam? 

Despite its checkered past, Lexington Law is a legitimate credit-repair company and law firm.

Which plan is best? 

Lexington Law now has only one plan for a flat fee of $139.99 per month. 

How long does it take? 

Timelines can vary considerably by customer, but typical clients see 50% of their negative factors removed within six months. 

Is there a money-back guarantee? 

No. Lexington Law does not have a money-back guarantee.

How is Lexington Law different from CreditRepair.com?

CreditRepair.com is owned by the same company as Lexington Law, but it is a traditional credit-repair company that does not include attorney-backed services.

Key Terms

• Credit repair: A service that helps you dispute inaccurate information on your credit reports. It cannot remove accurate negative marks, even if you pay for help.

• Credit report: A record of your credit activity and current credit status, including payment history and account details that lenders may review.

• Fair Credit Reporting Act (FCRA): A federal law that helps protect the accuracy, fairness and privacy of information in your credit reports.

• Fair Debt Collection Practices Act (FDCPA): A federal law that protects people from abusive, unfair and deceptive practices by debt collectors.

• Debt validation: Information a debt collector must give you so you can understand the debt, confirm it is yours and dispute it if needed.

Sources:

• Consumer Financial Protection Bureau: What is a credit report?

• Federal Trade Commission: A Summary of Your Rights Under the Fair Credit Reporting Act

• Federal Trade Commission: Fair Debt Collection Practices Act

• Consumer Financial Protection Bureau: What information does a debt collector have to give me about a debt?

Summary generated by AI, verified by MoneyLion editors