Updated May 30, 2024

Lexington Law Review

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Is Lexington Law really the best credit repair company in the U.S.? Read on to learn what makes it stand out.

5-point scale (the higher, the better)

Pros and Cons

  • Get help from legal professionals
  • Focus Tracks for unexpected events
  • First work fee discounts
  • Charges other fees
  • Limited disputes per cycle

Bottom Line

Law firm focusing on credit repair, but doesn't offer satisfaction or money-back guarantee

Lexington Law is one of the hundreds of companies to choose from if you need credit repair.

And credit repair is not cheap. Imagine paying a hundred dollars for months only to find out the company doesn't work well for you.

How do you know if Lexington Law is the right choice? In this guide, learn about its offerings, pros and cons, and how it compares to other reputable companies in the industry.

What Is Lexington Law?

Lexington Law is a law firm that specializes in credit repair. It's one of the industry leaders, having been in business since 2004.

Since it was founded, Lexington Law has removed about 83 million negative items from its clients' credit reports since it started. About 77% of these clients have seen an average increase of 40 points in their credit scores within 6 months.[1]

The company has a team of lawyers and paralegals that leverage credit laws when disputing negative items. A team of skilled negotiators will also correspond with creditors on your behalf.

Since each client's situation is different, Lexington Law offers tailored solutions called Focus Tracks. You'll be helped depending on the cause of your poor credit, such as divorce, expensive medical bills, student loans, etc.

What is your primary reason for considering credit repair services like Lexington Law?

Did you know? Lexington Law is one of the huge companies owned by Progrexion, together with CreditRepair.com and Credit.com.

Who is Lexington Law Best For?

Lexington Law is best for:

  • People who want to improve their credit
  • People who suffer poor credit due to unexpected life events

Lexington Law has no strict qualifications or eligibility requirements. If you want to dispute negative, inaccurate, or outdated items in your report, you can give them a shot.

Lexington Law's Focus Tracks can also provide solutions to your specific circumstance, whether you receive bad credit due to divorce, military service, or medical bills. Lexington Law prioritizes these negative items to deal with creditors urgently.

It's best to discuss your current credit situation and your goals before you sign up for a package. That way, representatives can offer the best credit repair service based on your needs.

Although the benefits may be clear, there are drawbacks to Lexington Law. Here are the pros and cons to weigh.

Pros and Cons

No credit repair company is perfect. Lexington Law is not an exception to this rule.


  • Get advice from a team of experienced lawyers and paralegals
  • Tailored credit solutions with Focus Tracks
  • Has been in the industry since 2004
  • Offers free credit assessment
  • 50% off first work fee to veterans,[2] families, and households[3]
  • iOS and Android apps available
  • ID Theft Insurance for identity protection
  • Comprehensive credit education blog


  • No Better Business Bureau accreditation
  • No money-back guarantee
  • Other charges (e.g., pulling your credit report, late fees)

What is your primary goal for considering a credit repair service?

How Lexington Law Works

Lexington Law follows a straightforward process for improving your credit reports. This is how it goes once you sign up:

  1. Credit report analysis
    Lexington Law pulls and reviews your credit reports. Experienced professionals will strategize and create a plan on how to dispute negative items affecting your credit.

  2. Credit disputing
    Lexington Law disputes inaccurate items and corresponds with Equifax, Experian, and TransUnion on your behalf.

  3. Dispute escalating
    Lexington Law corresponds further with credit bureaus in case they need additional support for your disputes.

  4. Credit monitoring
    Keep track of your dispute progress through your account. You can access it via the online portal or the mobile apps.

Lexington Law's skilled team of lawyers and paralegals will be disputing for you. These professionals have expertise and experience in looking at all relevant laws for credit.

As a result, they will dispute any unfair, inaccurate, or unsubstantiated items continuously affecting your credit. Lexington Law will continue to monitor your account, dispute progress and any new item that may harm your credit.

Does Lexington Law remove collections?
Yes, Lexington Law can dispute inaccurate collection accounts for removal. If you have a collection account that isn't yours or past the 7-year mark, Lexington Law will dispute it. If you have an accurate collection account, Lexington Law can send creditor letters to the collections agency to negotiate for its removal.

Pricing and Fees

Lexington Law offers only one premium package that costs $119.95/month.

Besides getting lawyers and paralegals for credit repair, you get the following features:

  • Bureau Challenges
  • Creditor Interventions
  • Inquiry Assist
  • Score Analysis
  • Report Watch
  • TransUnion Alerts
  • ID Theft Insurance

Credit repair companies commonly charge a first work fee, which is similar to administrative fees charged by banks. Lexington Law bills you your first work fee 5 days after the starting date, and your monthly fees come afterwards.

Note: Maryland customers have different prices. If you live in Maryland, clarify the prices of Lexington Law's service in your state during your free consultation.

Cancellation Process
Lexington Law does not charge you cancellation fees or penalties for ending your service. You can contact client services to cancel your package at any time. However, remember that credit repair does not happen overnight.

Here's a deeper dive into the features of Lexington Law's only package.


Here's what you get for Lexington Law's package:

  • Bureau Challenges
    Lawyers analyze your credit and write dispute letters to challenge negative items on your behalf.

    How long does Lexington Law take to dispute your negative items?
    Lexington Law takes 30 to 45 days to dispute your negative items. It follows the same dispute cycle set by the Fair Credit Reporting Act.

  • Creditor Interventions
    Lawyers will negotiate and write letters to your creditors (lenders, banks, or utility companies) to remove negative items or accounts that are impacting your credit.

  • Inquiry Assist
    These are customized letters prepared by Lexington Law. You can immediately use these letters to challenge and verify inquiries on your credit that are affecting your credit score.

  • Score Analysis
    Lexington Law breaks down your credit scores and educates you on how your negative items are currently affecting your credit scores.

  • Report Watch
    These are notifications you get if there are changes to your credit report.

  • TransUnion Alerts
    Get real-time alerts for improvements in your next TransUnion credit reports. Plus, get your TransUnion FICO score every 30 days.

  • ID Theft Insurance
    You'll get an insurance policy up to $25,000 coverage. This way, you get protected from unauthorized transactions that negatively impact your credit.

Aside from these services, Lexington Law also offers Focus Tracks. If you ever need to repair your credit due to a specific life event, you can check them out.

Which credit repair service feature matters most to you?

Lexington Law Focus Tracks

Lexington Law offers Focus Tracks — tailored credit repair solutions for unforeseen events or circumstances in your life.

You may need credit repair due to:

  • Medical bills
  • Identity theft
  • Divorce
  • National emergencies, such as the Coronavirus outbreak
  • Student loans
  • Military personnel on active duty

Lexington Law can provide a credit repair solution suitable for your situation.

Let's paint a picture. You and your ex-spouse still share some joint accounts. Not only are you dealing with emotional consequences, but you also experience poor credit following an expensive divorce.

Lexington Law offers a Divorce Focus Track — a credit repair solution to help dispute to credit bureaus old accounts you aren't responsible for anymore. Lexington Law will also help you clear confusing accounts you still co-own with your ex-spouse.

Just want to know how your credit is doing? You may be better off with Lexington Law's credit monitoring services.

Lexington Law Limitations

Lexington Law (or any reputable credit repair company, for that matter) will not:

  • Guarantee an increase your credit score
    No legitimate company like Lexington Law will promise to increase your score. It's best to keep away from those that do — they are promising things that are too good to be true.

  • Delete all your negative items in the credit report
    Lexington Law can only dispute inaccurate, negative, and incomplete transactions in your credit. Credit bureaus may flag you if the company you hire keeps disputing items that are accurate, up-to-date, and true.

  • Give you a new credit identity
    Lexington Law cannot give you a new identity so you can start fresh with your credit — it's illegal. Any company that urges you to do this will be putting you in danger of fraud. Beware!

Can I pay someone to fix my credit?
Yes, you can pay companies like Lexington Law to dispute negative items so your credit reports improve. However, remember that there is nothing credit repair companies do that you can't. You can also dispute the credit bureaus and gradually improve your credit by yourself.

Is Lexington Law worth it?

Lexington Law is worth it if many negative items affect your credit score. For $119.95/month, you get the service of legal professionals with extensive experience in credit laws and a solid track record for credit repair.

On top of that, Lexington Law attorneys can help you in unfortunate situations in life through their Focus Tracks.

You can gradually improve your credit as Lexington Law focuses on specific items that impact your financial life the hardest. You can bounce back from difficult times that affect your credit.

If you think Lexington Law can help you repair your credit, here's how to sign up.

How To Open a Lexington Law Account

Lexington Law has a fairly simple sign-up process:

  1. Go to Lexington Law's sign-up page.
  2. Fill in your name, email, address, and phone number.
  3. Select your type of service.
  4. Agree to terms and conditions.

After signing up, wait for Lexington Law to set up your account and pull your credit report. Once you both have copies of your credit report, Lexington Law will analyze your profile and start strategizing for your credit repair.

Lexington Law 50% Discount
Lexington Law offers you 50% off your first work fee if you sign up with another person who needs credit repair. You'll see an option on the sign-up page to sign up with a family member or another person in your household.

Is Lexington Law trustworthy?

Yes, Lexington Law is a legitimate company offering credit repair services since 2004. It's one of the most reputable companies in the industry, with 2 decades of experience.

Lexington Law has helped thousands of clients remove about 83 million items from their credit reports. It's a law firm with expertise in dealing with credit bureaus and creditors.

However, note that Lexington Law has an ongoing lawsuit filed by the Consumer Financial Protection Bureau (CFPB).

Lexington Law allegedly violated several Telemarketing Sales Rules by requesting upfront payment for their services. The company also allegedly engaged in deceptive practices to market its services.[4]

Read on to know more about Lexington Law's lawsuit and bankruptcy filing.

Lexington Law Lawsuit and Bankruptcy

In 2019, CFPB filed a complaint against Lexington Law for violations of Telemarketing Sales Rules. These companies allegedly requested and received payments upfront from their clients, which is prohibited by the law.

In August 2023, CFPB proposed a settlement with Lexington Law. CFPB imposed Lexington Law to pay $2.7 billion in judgment and $18.4 million in civil penalties.[5] On top of that, Lexington Law is banned from telemarketing their services for 10 years.

Lexington Law filed a voluntary petition for Chapter 11 bankruptcy.[6] It has reportedly laid off around 900 employees and shut down some parts of the business.[7]

However, note that Lexington Law continues to offer credit repair services to clients. If you're not sure about Lexington Law, here's what their clients say about them, which may help you out.

Customer Reviews

Lexington Law has a long track record and reputation for offering years of credit repair services in many states.

Better Business Bureau1.19 out of 5 ★ from over 200 reviews
Trustpilot2.9 out of 5 ★ from over 500 reviews
Apple App Store4.80 out of 5 ★ from 101.8k ratings
Google Play Store4.60 out of 5 ★ from 27.1k ratings

Many clients have something good to remark about Lexington Law. For example, Kinyon remarks how Lexington Law successfully removed the negative items in his report, which makes the extra expense worth it.

"I've been using the service since March (6months) and at ~$100/month, it's been an extra expense for sure, but they've been able to remove far more from my credit report than the few hundred that I've paid. A few debts that a bank just wouldn't let up on although we all could see that they were misreported (and never rectified), and even the remaining portion of my student loans (also misreported) were removed from my credit report..." — Kinyon Case (From Trustpilot)

However, it's not all good feedback. Some customers, like Danielle, had a horrible experience with Lexington Law.

"I absolutely despise this company. They are a scam by far. They drag on the process to keep getting money from you. I was a customer for at least 6 months paying $149 a month and my credit score not one time improved but instead credit score went down by over 80 points! Run the other way! Lexington is a big scam!" — Danielle Burrell (From Trustpilot)

Lexington Law is a company that has been around for two decades, with evidential results for credit repair. However, no credit repair company is perfect.

It's natural to expect a mixed bag of reviews from different clients since your credit is unique. Any credit repair that happens to it may not apply to everybody else.

How To Contact Lexington Law

You can talk to one of Lexington Law's agents through the chat box on their website for your concerns. Unfortunately, this does mean you'll have to select your question from the pre-made ones on the site to start.

Lexington Law's service hours are from Monday to Friday, 7:00AM to 7:00PM, MST. You can browse the location directory for more information on your state.

Also, Lexington Law is available in all states except Oregon.[8] Opening hours and availability are different per office location.

Still not sold on Lexington Law's services? Consider some strong alternative credit repair companies below.

Lexington Law Alternatives

Other companies may meet your needs better than Lexington Law. Compare Lexington Law with other credit repair businesses below.

Lexington Law vs. Credit Saint
Credit Saint is one of Lexington Law's top contenders in the industry. Both are popular for leading credit repair and have almost the same price ranges for packages.

But unlike Lexington Law, Credit Saint provides that extra layer of comfort and security. You get a 90-day money-back guarantee, which means they get the negative items off your credit report, or you get your full payment back.[9]

Want to know which credit repair company is for you? Read our detailed breakdown between Credit Saint and Lexington Law.

What if you need to repair and build your credit? The Credit Pros can be your best bet.

Lexington Law Vs. The Credit Pros
The Credit Pros offers credit-building features with its Success Plus plan. If you want to repair and rebuild your credit simultaneously, The Credit Pros may be a more suitable option.

The Credit Pros gives the opportunity to add more positive payment history while disputing your negative items. This may repair your credit more efficiently and save you costs from monthly service fees.

Lexington Law Vs. DIY Credit Repair
If you don't have enough budget for credit repair services, you can always consider DIY method. Instead of getting the service and guidance of experienced professionals, you will be doing all the legwork in your disputes.

You'll review your credit reports. If you find an incorrect item, have items that are too old to be reported, or any entry that isn't yours, you can send a dispute to the credit bureaus. That way, you can be hands-on with your credit and save some money.

You can get free weekly copies of your credit reports from AnnualCreditReport.com.

Bottom Line

Lexington Law is one of the most reputable companies in credit repair. It may even be the best option if you need customized and focused solutions.

The Focus Tracks can be a good help, especially if you're dealing with unfortunate scenarios like medical bills or divorce.

And although you can almost never go wrong with an aggressive approach from experienced lawyers, you can also opt for alternatives. This way, you only get the services you really need.


Lexington Law

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Write to Alex Mambaje at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

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What is your primary reason for considering credit repair services like Lexington Law?
77% To improve my credit score
15% To correct errors on my credit report
8% To receive guidance on credit-related issues
Source: CreditDonkey
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