lexingtonlaw.com
LexingtonLaw.com is an active U.S. credit repair website that offers attorney-supported help with disputing questionable credit-report items, but its price and major regulatory history make it important to understand the service before paying.
What does LexingtonLaw.com actually do?
LexingtonLaw.com says its attorneys and paralegals help consumers challenge credit-report information that may be inaccurate, unfair, or unsupported.
The process starts with reviewing a client's credit information and choosing negative items that may need investigation.
Lexington Law can then communicate with credit bureaus, debt collectors, lenders, and other companies on the client's behalf.
Customers can follow individual disputes and credit changes through an online dashboard and mobile app.
The company says it has represented nearly 11 million people and recorded more than 84 million credit-report item removals since 2004, although those figures are company-reported results rather than independent performance measurements.
How much does Lexington Law cost in 2026?
Lexington Law's current FAQ lists its main service at $139.95 per month.
The company says account setup starts at no cost, with the first payment due after five days and later invoices charged for completed work.
At the stated monthly rate, six months would total about $839.70 before any other applicable charges.
Lexington Law says customers do not need a long-term contract and can cancel their case, although a final invoice may still cover work completed since the previous billing date.
Can Lexington Law really remove bad credit?
Lexington Law may challenge inaccurate, unverifiable, duplicated, or otherwise questionable information, but no credit repair company can legally erase accurate and current negative information simply because it hurts a credit score.
The Federal Trade Commission says most accurate negative information can remain on a credit report for seven years, while some bankruptcy information can remain for ten years.
Lexington Law itself states that credit repair results are not guaranteed because every person's credit history and disputes are different.
Its website says clients with moderately damaged credit who remained active for six months had 50 percent of their negative items removed, but Lexington Law clearly notes that individual results vary.
What happened between Lexington Law and the CFPB?
Lexington Law has a significant regulatory history that should be part of any balanced review.
In 2023, a federal court order followed a Consumer Financial Protection Bureau enforcement case involving Lexington Law, CreditRepair.com, Progrexion companies, and related entities.
The CFPB said the defendants illegally collected advance fees for telemarketed credit repair services and alleged deceptive marketing practices.
The final order imposed about $2.66 billion in consumer redress, an $18.4 million civil penalty against Lexington Law, and a $45.8 million penalty against Progrexion.
It also imposed a ten-year ban on telemarketing credit repair services covered by the order.
The CFPB later announced that about $1.8 billion would be distributed to more than four million affected consumers, with distributions beginning in December 2024.
The CFPB's Lexington Law compensation page still describes victim compensation as an ongoing matter.
Can you repair your credit without Lexington Law?
Yes, because federal law already gives consumers the right to dispute inaccurate credit information without paying a credit repair company.
The CFPB recommends disputing an error with both the credit reporting company and the business that supplied the disputed information.
Companies generally must investigate legitimate disputes, and information that is found to be wrong or cannot be verified may need to be corrected or removed.
Consumers can also obtain free weekly reports from Equifax, Experian, and TransUnion through AnnualCreditReport.com.
The FTC says anything a credit repair company can legally do for a consumer can generally be done personally for little or no cost.
When could LexingtonLaw.com still be useful?
The main value is convenience for someone who has several complicated credit-report problems and prefers to pay professionals to organize disputes, correspondence, tracking, and follow-up work.
A person with only one or two obvious reporting errors may find the free dispute process more economical because the legal right to challenge those errors is already available without a monthly subscription.
LexingtonLaw.com therefore sells professional assistance rather than a special legal method for deleting accurate debts, so comparing its $139.95 monthly cost with the amount of work you actually need is the most useful first step.