lexingtonlaw.com
lexingtonlaw.com is the official website of Lexington Law Firm, a U.S.-based credit repair service that helps consumers identify and dispute questionable information on their credit reports through professional assistance.
What Is LexingtonLaw.com, and What Does It Do?
LexingtonLaw.com provides access to credit repair services designed for people who believe their credit reports contain inaccurate, incomplete, or unverifiable information.
Lexington Law Firm says it has worked in credit repair since 2004, using attorneys, paralegals, and consumer protection laws to challenge questionable credit reporting.
Its services focus primarily on information maintained by the three major U.S. credit bureaus: Equifax, Experian, and TransUnion.
The website offers credit assessments, account registration, information about credit laws, and access to client services. It is not a bank, lender, or government credit reporting agency.
As of October 2026, LexingtonLaw.com continues to advertise credit repair services and provide online enrollment information. However, the company's history includes significant regulatory enforcement that prospective customers should understand.
How Does Lexington Law Credit Repair Work?
Lexington Law works by reviewing potentially problematic credit report entries and communicating with credit bureaus or the businesses that supplied the information.
The process generally involves four stages.
1. Credit report review
The company evaluates available credit information to identify entries that may deserve further investigation, such as incorrectly reported late payments, collection accounts, or unfamiliar debts.
2. Dispute preparation
Its team prepares communications challenging information that may be inaccurate, unfairly reported, or insufficiently supported.
3. Investigation and follow-up
Credit bureaus and information providers review disputes under applicable consumer reporting laws. Lexington Law may pursue additional correspondence when legitimate questions remain unresolved.
4. Progress monitoring
Clients can review case activity and reported changes through online account tools.
The process does not guarantee that disputed entries will be deleted. Credit bureaus can retain negative information when it is accurate, timely, and verifiable.
How Much Does LexingtonLaw.com Cost in 2026?
Lexington Law's publicly indexed pricing FAQ lists a monthly credit repair rate of $139.95.
At that rate, three months would cost $419.85, while six months would total $839.70, excluding any additional applicable charges.
The company describes its billing as payment for completed services rather than an advance payment for future work. Its FAQ also says customers can begin account setup without an initial charge.
However, some indexed enrollment and agreement pages display different service levels or historical pricing. That makes it important to distinguish the advertised standard rate from the actual terms presented during enrollment.
Before agreeing to pay, check the current contract for the selected service, billing schedule, cancellation conditions, and any separate fees.
A longer subscription does not necessarily mean better results. The value depends on whether there are legitimate reporting errors to investigate and whether professional assistance is worth the expense.
Is Lexington Law Legitimate and Safe to Use?
Lexington Law is an established credit repair business, but its regulatory record raises important questions about its past business practices.
In August 2023, the Consumer Financial Protection Bureau announced a major settlement involving Lexington Law, CreditRepair.com, and related companies.
The enforcement action followed a federal court ruling concerning unlawful advance fees for credit repair services sold through telemarketing. The CFPB also described deceptive marketing practices associated with the businesses.
The final order, entered on August 30, 2023, included approximately $2.66 billion in consumer redress judgments, additional civil penalties, and a ten-year restriction on telemarketing credit repair services.
These are documented legal findings, not merely negative customer reviews.
At the same time, the enforcement history does not establish that every service currently offered through LexingtonLaw.com is fraudulent or that every customer experiences the same outcome.
Prospective customers should evaluate the current agreement independently and avoid interpreting the website's continued operation as proof that all previous concerns have been resolved.
What Happened to Lexington Law After the CFPB Settlement?
Lexington Law remained an identifiable credit repair brand following the 2023 enforcement action.
Its more recent website materials identify Cody Johnson as directing attorney and Oquirrh Mountain Law Group, P.C., doing business as Lexington Law Firm.
This differs from older materials identifying John C. Heath and his legal practice. Consequently, historical information about the brand should not automatically be treated as a description of its present legal organization.
Consumer compensation from the earlier enforcement action has also continued.
According to the CFPB settlement administrator, an additional distribution of approximately $117.06 million was scheduled for eligible consumers during late September and October 2026.
Eligibility for the second distribution generally depends on having cashed an earlier settlement check by June 30, 2026, and meeting the administrator's payment criteria.
Consumers who believe they qualify can contact the official settlement administrator. They should not pay intermediaries or provide sensitive banking information to individuals promising faster compensation.
Can Lexington Law Remove Negative Items From Your Credit Report?
Lexington Law can help challenge negative entries when there are legitimate grounds for disputing their accuracy or reporting.
Examples include incorrectly attributed accounts, inaccurate balances, duplicate collections, or payments mistakenly classified as late.
However, a credit repair company cannot lawfully guarantee the removal of accurate, current negative information.
The Federal Trade Commission emphasized this distinction in January 2026. It explained that consumers can challenge mistakes themselves for free and that credit repair companies cannot legally eliminate truthful information simply because it damages someone's creditworthiness.
Even when a disputed item is removed, a particular credit score improvement is not guaranteed. Scores depend on multiple factors, including payment history, outstanding balances, account age, and the scoring model used.
How Do You Log In or Cancel Lexington Law Services?
Existing customers can access account management through Lexington Law's official website and its associated client portal.
The company's FAQ states that customers can cancel their service at any time without committing to a long-term contract.
To cancel, customers should open their account management section, locate the service cancellation option, and retain the confirmation.
Lexington Law explains that a final invoice may still be issued for work completed since the previous billing date.
Its more recent engagement agreements also describe a five-day cancellation period without penalty or obligation, although the precise protections applicable to an individual customer depend on the contract and relevant law.
Keep copies of the agreement, payment records, and cancellation correspondence. If charges continue unexpectedly, contact the company and consider disputing unauthorized payments with the payment provider.
Can You Repair Your Credit Without Lexington Law?
Yes. Consumers can dispute inaccurate credit report information directly, without subscribing to a credit repair company.
The Federal Trade Commission recommends obtaining reports through AnnualCreditReport.com, the federally authorized source for free credit reports.
Equifax, Experian, and TransUnion offer free weekly online reports through that service.
After reviewing your reports, identify errors and collect supporting evidence, such as payment confirmations, account statements, or identity theft documentation.
Submit disputes to the relevant credit bureau and, when appropriate, the company that furnished the information.
Credit bureaus generally must investigate disputes within 30 days, although certain circumstances allow additional time.
For people who primarily need budgeting, repayment planning, or debt management assistance rather than corrections to credit report errors, nonprofit credit counseling may be more suitable.
Is LexingtonLaw.com Worth Paying For?
Lexington Law may appeal to consumers who have multiple complicated reporting disputes, limited time, or difficulty handling repeated correspondence themselves.
Its potential advantage is professional assistance with documentation and follow-up, not any exclusive power to erase negative credit history.
The main drawback is cost. At the advertised $139.95 monthly rate, fees accumulate even when investigations do not produce favorable changes.
Consumers should weigh that expense against the free dispute process and determine whether the assistance addresses a genuine need.
The company's enforcement history also makes careful contract review especially important.
Ultimately, LexingtonLaw.com offers an identifiable credit repair service rather than a guaranteed solution to poor credit. Its suitability depends on the accuracy of the consumer's reports, the complexity of legitimate disputes, the current service terms, and the customer's ability to manage the process independently.