Lexington Law Review

Company Overview

Lexington Law is one of the best-known names in credit repair, and also one with a genuinely complicated recent history worth understanding before you sign up. It markets itself as a law firm, not just a credit repair company, and its dispute work is handled through an attorney-led model rather than a standard case-manager setup.

Here's the part that matters most: the Lexington Law brand operating today is not run by the same company that operated it before 2023. We explain exactly what changed below, because it's the single most important thing to know before deciding whether to trust this name.

Lexington Law currently serves 49 states, excluding Oregon.

What Happened in 2023 (And Who Runs Lexington Law Now)

In 2019, the Consumer Financial Protection Bureau sued a group of related companies, including the firm then operating under the Lexington Law name (John C. Heath, Attorney at Law PLLC) and its business-services provider, Progrexion/PGX Holdings. The CFPB's claim: the companies collected fees before doing the work, in violation of a federal rule that requires credit repair companies to wait until after results are documented before billing customers.

In March 2023, a federal court agreed with the CFPB. In August 2023, the court entered a final judgment: $2,660,926,481 in consumer redress and a $45,817,452 civil penalty against Progrexion, plus a 10-year ban on telemarketing credit repair services. PGX Holdings filed for Chapter 11 bankruptcy that year and significantly scaled back operations.

We want to be precise here, because this matters: this was a judgment about how the previous operator billed customers and marketed its services, based on a federal court's finding after the CFPB's case. It's a matter of public record, not an allegation we're relaying secondhand. You can read the CFPB's own case materials directly at consumerfinance.gov.

What's different today: the Lexington Law brand is now operated by a different legal entity, Oquirrh Mountain Law Group, P.C., which purchased the tradename after the bankruptcy. The firm now works with Credit.com Holdings, LLC for business and administrative services, rather than Progrexion. Pricing and billing today reflect a single, straightforward monthly plan with no setup fee, a structural change from the billing practice the CFPB's case was about.

We're not going to tell you how to weigh that history. Some people will feel comfortable with a fresh operating entity and a changed billing model. Others will want to steer clear of the name entirely, whatever's changed underneath it. That's a genuinely personal call, and we think you deserve the full story to make it, not a sanitized one.

How It Works

You start with a free credit review. If you enroll, Lexington Law's team, which includes paralegals working under attorney supervision, reviews your three-bureau credit reports and identifies items to dispute. Disputes go out to the credit bureaus, and the firm says it can escalate certain issues with formal legal letters that a non-attorney-led company wouldn't typically send. You get access to a client portal and mobile app to track progress.

Services and Plans

As of our most recent check, Lexington Law offers one plan at a flat monthly rate, a change from the multi-tier pricing structure it used in the past. That plan includes:

• Disputes with all three credit bureaus
• Creditor interventions
• Identity theft insurance (up to $1 million, per the company)
• Credit monitoring and score tracking through the client portal
• Access to the mobile app

There's no separate "starter" or "premium" tier the way some competitors structure things. You get one comprehensive plan.

Pricing and True Cost

A few things worth knowing about the billing itself, not just the number:

• Your first payment is due 5 to 15 days after you sign up, depending on the billing date you pick, not immediately.
• Lexington Law offers a 50% discount on your first payment for military members and veterans, and a household discount if more than one family member enrolls.
• A late fee of up to $19.95 can apply if a payment doesn't go through.
• There's no money-back guarantee. You can cancel any time, but you won't get past payments back if you're unhappy with your results.

At $139.95 a month with no guarantee, this is one of the more expensive options in this category. That's worth weighing directly against what the attorney-led model is actually giving you versus a lower-cost alternative.

Credit Reports and Monitoring

Lexington Law pulls and monitors reports from all three bureaus as part of its single plan, with regular updates delivered through the client portal and mobile app.

Dispute Process

Disputes go out to all three bureaus, and Lexington Law says its paralegal teams can escalate unresolved issues with attorney-backed letters, something that sets an attorney-led model apart from a standard credit repair company on paper. We haven't independently verified how often that escalation actually happens versus a standard dispute letter, and we'd encourage you to ask directly during your free consultation how often, and under what circumstances, your case would actually get that treatment.

Compliance and Transparency

This is where Lexington Law's history genuinely sets it apart from most companies in this category, and we've covered the details above rather than burying them. To restate the essentials plainly: the entity that operated Lexington Law before 2023 was found by a federal court to have violated the Telemarketing Sales Rule's advance-fee provision, and paid a multi-billion-dollar judgment as a result. The entity operating the brand today is different, and the current billing structure (a single monthly fee, no advance charges before service) doesn't carry the same structure the case was about.

We're not aware of any enforcement action against the current operator, Oquirrh Mountain Law Group, P.C. If that changes, we'll update this page.

Reputation

Trustpilot shows Lexington Law at 3.2 out of 5 across 622 reviews as of our research, a middling but not alarming score, and notably better than some other companies tied to the same pre-2023 corporate history. You'll also find a wide range of older reviews and commentary online referencing the CFPB case itself, which can make current sentiment harder to separate from history when you're reading around.

Common Complaints

Beyond the regulatory history covered above, recurring themes in customer feedback include the cost relative to results, and the pace of dispute resolution feeling slow for some customers. Neither is unique to Lexington Law. Credit repair timelines depend heavily on what's actually on your report and how bureaus respond, not just who you hire.

Cancellation and Refunds

You can cancel at any time with no penalty. There's no money-back guarantee attached to this plan, so go in expecting that a canceled month isn't refunded.

Strengths and Trade-Offs

Where it holds up: An attorney-led model, which some people specifically want for complex disputes. A single, straightforward plan instead of confusing tiers. No advance billing before your first payment window opens. Discounts available for military members, veterans, and households.

Where to go in with eyes open: The highest monthly price in this category, with no money-back guarantee to offset that. The brand's regulatory history, even though it sits with a prior operator, is something every prospective customer should understand clearly before signing up. And it's worth confirming directly what "attorney-led" actually means for your specific case, rather than assuming every dispute gets that level of attention.

Who Might Consider This

Lexington Law could make sense if you specifically want an attorney-involved process, your situation includes complex disputes where legal escalation letters could matter, and you're comfortable with the cost and the company's history.

Who Probably Doesn't Need This

You may not need Lexington Law, or any credit repair company, if:

• Your main goal is removing accurate but unflattering information. That's not legal for any company to do, regardless of price or attorney involvement.
• You're working with a smaller number of clear-cut errors that don't need legal escalation. A lower-cost service, or disputing the errors yourself, may get you the same result for less.
• Budget is tight. At nearly $1,680 a year with no refund guarantee, this is a real financial commitment worth comparing against your other options first.

Alternatives

• A lower-cost full-service credit repair company with a money-back guarantee attached, if the attorney-led model isn't the deciding factor for you.
• DIY disputes for straightforward errors. See our guide on what credit repair actually involves to figure out which situation you're in.
• Nonprofit credit counseling, if debt load rather than report errors is the real issue.

Our Research Methodology

ReliefGuardian's credit repair coverage is a research effort, not a ranking. We don't score companies against each other on a single scale, and we don't publish a "best of" list in this category. Instead, we research each company against the same published checklist, pricing, true cost, compliance history, dispute methodology, reputation across multiple platforms, cancellation and refund terms, and tell you plainly what we found, including where the history is complicated.

Every company is evaluated using the same methodology, whether or not ReliefGuardian has an affiliate relationship with them. That relationship, where one exists, is disclosed at the top of this page and never factors into our findings.

Information on this page reflects our research as of the "Last Verified" date above. Pricing, availability, and company policies change. Whenever possible, we link directly to the original source, including the CFPB's own case record and the company's current site, so you can confirm details yourself.