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Published: Nov 02, 2022 11 min read
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Lexington Law Firm offers professional credit repair services led by attorneys, paralegals and credit advisors. The credit repair firm’s team sends disputes to the three credit bureaus — Experian, TransUnion and Equifax — and employs creditor interventions to ensure your credit report is accurate.

While anyone can repair their credit by themselves, working with a professional credit repair company can be helpful for anyone struggling to get erroneous information removed from their credit report. Making sure your credit score is based on accurate information is an important first step in working toward better credit.

Read on to learn more about how Lexington Law Firm’s credit repair plans might help you on your journey toward better credit.

Table of contents

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90-day Money-Back Guarantee

  • Accredited by the Better Business Bureau, with an A rating
  • Transparent pricing policies
  • 90-day money-back guarantee
  • Three tiers give you options on claims disputed and cost
  • Credit tracker alerts you of any change to your credit report

Two decades of experience and availability in 49 states

  • 17 years of credit repair expertise
  • Bringing consumer protection laws to bear on your behalf
  • Free credit report consultation
  • Three levels of service starting at $99.95 per month
  • Identity theft protection included in the Premier Plus Plan
  • Highly-rated mobile app lets you track your progress anytime, anywhere

Offers a single, low-cost credit repair package

  • Services starting at $79 per month*
  • Pause and resume your credit repair membership at any time
  • 90-day unconditional money-back guarantee
  • Reduced rates for couples looking to better their credit
  • A+ rating on Better Business Bureau
  • Educational content offers debt management tips

Plans start at $79 per month (cancel anytime)

  • $99 per month (cancel anytime) 
  • Accelerated dispute process, verifications, and challenges 
  • High credit report and score improvement rate 
  • All three scores updated continuously 
  • Money-back satisfaction guarantee 

Helps remove inaccurate remarks from report

  • Service starts at $99 per month
  • Real Attorneys Local to Your State
  • Paralegals assigned to your case
  • 90-day money-back guarantee
  • Free consultation

Lexington Law Credit Repair overview

Pros
  • Offers one streamlined credit package at a competitive price of $119.95
  • Free consultation and credit analysis to help guide your package choice
  • Long-standing company operated by attorneys and paralegals
Cons
  • No guarantee your score will improve
  • Pending complaint filed by the Consumer Financial Protection Bureau

Lexington Law Firm has specialized in credit repair services since 2004. The company has two offices, one in West Valley City, Utah and another in Phoenix, Arizona.

At the time of this review, Lexington Law's staff includes around a dozen in-house lawyers and a network of Of-Counsel lawyers.

However, the Consumer Financial Protection Bureau filed a complaint in 2019 against Lexington Law’s parent company, PGX Holdings, Inc., subsidiaries Progrexion Teleservices Inc., eFolks LLC, and CreditRepair.com Inc. In the lawsuit, the CFPB alleges that Progrexion violated the Telemarketing Sales Rule as well as the Consumer Financial Protection Act. (For more on this, please refer to our section on Regulatory or Legal Action.)

Lexington Law’s services

Lexington Law offers a single credit repair package for $119.95. The company's services include disputing unfairly reported items or inaccurate information with the credit bureaus, creditor intervention letters and up to $1M identity theft insurance. You also get personalized strategies on how to improve your credit score.

Lexington Law also scans your credit report for accounts that don’t belong to you, duplicate accounts, fraudulent activity and missing accounts that could impact your score positively.

What Lexington Law offers

  • Identification of negative items and possible disputes - Lexington Law looks for inaccuracies and unverifiable information on your credit report.
  • Creditor interventions - The credit repair firm’s team disputes inaccurate or unverifiable information from your credit report with the three credit bureaus and your creditors.
  • ID Theft Insurance - This identity theft protection service is included in all tiers and provides coverage of up to $1M.
  • Educational resources - Lexington Law helps customers understand credit reporting and how to maintain healthy credit through a blog posts and educational material.

What Lexington Law doesn’t offer

  • Guarantee of credit score improvement - Lexington Law cannot legally guarantee that your credit score will improve, even if negative items are found and removed from your report.
  • A maximum time frame for results - The company also doesn’t promise any change within a specific number of months. How long the credit repair process takes depends on the number of negative items on your credit report as well as the nature of the responses from the credit bureaus.
  • Removal of accurate information - Some credit histories are bogged down by negative items that are legitimate, like credit card debt or late payments to lenders that are still fresh. These marks cannot legally be removed through the credit repair process.
  • Guarantee that negative items won’t reappear - Creditors could report inaccurate information again, although the Fair Credit Reporting Act requires that you be notified before this happens.
  • Refunds - Lexington Law offers no money-back guarantee.
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Lexington Law’s credentials

Lexington Law is a law firm focused primarily on professional credit repair services, but also practices in other areas, like family law, criminal law and general consumer litigation.

More information about Lexington Law’s company makeup can be found below.

Licenses and registration

Lexington Law’s website lists multiple attorneys and paralegals working directly for the firm in addition to other attorneys who are described as being of counsel to the law firm.

Many of the attorneys working with Lexington Law are licensed to practice law in multiple states. Several also work in other areas of the law, like corporate compliance, insurance matters, criminal litigation and bankruptcy representation. Some members of the Lexington Law team have previously been employed by major commercial credit rating agencies and consumer credit reporting agencies.

Awards and certifications

We found no awards or certifications for Lexington Law. Additionally, there is no listing for Lexington Law on the website for the National Association of Credit Services Organizations, a company founded in 2007 that issues Standards of Excellence seals to qualifying members.

Third-party ratings

Currently, the credit repair industry is not rated by any official organizations or third parties.

Regulatory or legal actions

In May, 2019 the Consumer Financial Protection Bureau filed a complaint against PGX Holdings, Inc. and its subsidiaries, Progrexion Marketing, Inc., Progrexion Teleservices, Inc., CreditRepair.com, Inc., and eFolks, LLC (collectively, Progrexion) and against John C. Heath, Attorney at Law PC (Lexington Law), which does business as Lexington Law.

The CFPB alleges that the listed defendants requested and received payment of upfront fees for credit repair services. This would be a violation of the Telemarketing Sales Rule, under which companies cannot charge consumers until they have “provided documentation reflecting that the promised results have been achieved.” The lawsuit also includes an allegation that the company employed deceptive marketing techniques, which is considered a violation of the Consumer Financial Protection Act.

The complaint was filed in the U.S. District Court for the District of Utah. In mid-2023, the CPFB reached a $2.7M settlement, banning the companies from telemarketing for 10 years.

Lexington Law’s accessibility

There are multiple ways to contact Lexington Law if you want to sign up for one of the firm’s credit repair packages or speak to a representative about the firm’s services.

Availability

Lexington Law renders services in all states except Oregon. The law firm has two physical offices: one in West Valley City, Utah, and the other in Phoenix, Arizona.

Lexington Law’s offices are open during the following days and times:

  • Monday - Friday: 7 am to 4 pm MST
  • Saturday and Sunday: Closed

Contact information

User experience

Signing up for Lexington Law’s credit repair service is simple. You can enter your information on the online signup form available at LexingtonLaw.com or download the company’s app and proceed similarly from there.

Remember that Lexington Law offers a free consultation and credit analysis. If you take advantage of that service, use this form on the Lexington Law website.

However, keep in mind that by submitting any personal information to Lexington Law, you are legally consenting to further contact from Lexington Law regarding credit repair or credit repair marketing, whether by text or email. If you want to later opt out of these communications, tell this to any Lexington Law representative who contacts you, or use this form to unsubscribe from the firm’s email list.

Limitations

The firm’s website and app are available 24/7. However, this does not necessarily mean representatives are available at all times.

Lexington Law lists its sales operating hours as:

  • Monday - Sunday: 7 am to 7 pm MST
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Lexington Law’s customer satisfaction

On Trustpilot and the Better Business Bureau (BBB) sites, customer reviews for Lexington Law Firm’s credit repair service range from extremely positive to very negative.

Customer complaints

Some Lexington Law clients have complained in reviews on BBB and Trustpilot about a lack of results and overall dissatisfaction with the service and have even called the service a scam. However, it is worth noting that Lexington Law does not guarantee any improvement to a person’s credit score through its credit repair service.

There are others who have cited unsolicited calls from the firm as a problem, stating that they’d never signed up for any communication from Lexington Law.

Third-party ratings

Multiple consumer review sites have listings for Lexington Law. Below are the three examples.

  • Trustpilot: 3.8 out of 5 stars
  • BBB: D- with 1.27 out of 5 stars
  • Google: 4.3 out of 5 stars

Lexington Law FAQ

Does Lexington Law credit repair actually work?

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Lexington Law Firm works to find unfairly reported or inaccurate information in your credit history and then executes bureau challenges and creditor interventions to correct or remove them from your credit report. However, there is no guarantee that this firm or any other credit repair service will improve your credit score.

Does Lexington Law really remove charge-offs?

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Depending on the legitimacy of the charge-off, Lexington Law may be able to get a charge-off — as well as other derogatory marks — removed from your credit report.

What are the benefits of Lexington Law?

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Working with a professional credit repair service like Lexington Law can be helpful as the process of disputing negative marks on your credit score can be complicated. The attorneys and paralegals of Lexington Law are well-versed in how to most effectively work to get these items removed.

What is the difference between Lexington Law and other credit repair companies?

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Lexington Law is a law firm, so its team includes attorneys and paralegals who specialize in credit repair. Not all credit repair companies have legal professionals on staff.

How we evaluated Lexington Law

We scoured the Lexington Law website to gather as much information as possible for this review. We also considered customer feedback on Better Business Bureau, Trustpilot and Lexington Law’s social media as part of our research. Additionally, information provided by the Consumer Financial Protection Bureau was important to our evaluation process.

Although we always try to include accurate and up-to-date information on regulatory and legal actions, we don’t claim this information is complete or fully up to date. As always, we recommend you do your own research as well.

Summary of Money’s Lexington Law review

Lexington Law is a law firm that has specialized in credit repair since 2004. Many of the attorneys and paralegals who work with Lexington Law have years or decades of experience in the credit repair industry.

Reviews of Lexington Law are numerous, and they range from very positive to the extremely negative. Many customers have complained about a lack of results. However, there are plenty of positive reviews from consumers who are very satisfied with Lexington Law’s services.

For more information about credit repair and other credit repair firms, see our guide to the Best Credit Repair Companies.

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