What Lexington Law Actually Does
Lexington Law is a law firm (based in Utah) that provides credit repair services. Their process involves pulling your credit reports, identifying negative items, sending dispute letters to credit bureaus on your behalf, following up on disputes, and providing ongoing monitoring.
The key word is "on your behalf." Every single action they take — disputing errors, writing letters, monitoring progress — is something you can do yourself for free using the exact same legal rights under the FCRA. Lexington Law charges for the convenience of having professionals handle it for you.
Lexington Law Plans and Pricing
Concord Standard
Bureau disputes, creditor interventions, basic monitoring
~$99/month
Concord Premier
Everything in Standard plus FICO score tracker, InquiryAssist, ReportWatch
~$119/month
PremierPlus
Full service including cease and desist letters, identity protection, TransUnion alerts
~$139/month
At $99–$139 per month, most clients use the service for 6–12 months — totaling $600–$1,600 or more. This is significant money for a service you can replicate at zero cost.
⚠️ Important Note on Pricing
Lexington Law's pricing has changed over time and may vary. Always verify current pricing directly if you're considering their service. Note that the Credit Repair Organizations Act (CROA) prohibits them from charging any fees before services are performed.
Honest Pros and Cons
✅ What Lexington Law Does Well
- Legitimate, licensed law firm
- Experienced dispute process
- Handles the paperwork for you
- Attorney oversight of disputes
- Tracks results across all 3 bureaus
- Has handled millions of cases
- Compliant with CROA federal law
❌ The Honest Downsides
- Very expensive for what's provided
- Cannot do anything you can't do free
- No guaranteed results
- Faced FTC lawsuit and settlement
- Monthly fees add up quickly
- Some customers report slow progress
- Results vary widely by individual
How We Rate Lexington Law
What Kind of Results Do People Actually See?
Results with Lexington Law — like all credit repair — depend entirely on what's on your report. Here's the honest picture:
- Errors and unverifiable items: These can be removed relatively quickly with any dispute process — Lexington Law or DIY. If your report has genuine errors, results can come in 30–90 days.
- Accurate negative items: No company can remove these early, including Lexington Law. If all your negatives are accurate, you'll pay monthly fees with limited to no meaningful deletions.
- Mixed reports: Most people see some removals (errors, unverifiable items) and some items remain (accurate negatives). Score improvements of 40–100 points over 6 months are commonly reported — but this is also achievable DIY for free.
The Bottom Line — Is Lexington Law Worth It?
Lexington Law is a legitimate company — not a scam. They follow the law, have real attorneys, and do deliver dispute services. The problem isn't their legitimacy; it's their value proposition.
For most people: No, it's not worth it. You can achieve the same results using the same legal tools at zero cost. The guides on this site give you everything you need to dispute errors, write goodwill letters, send debt validation letters, and negotiate pay-for-delete agreements — without paying anyone.
The exception: If you genuinely have no time, feel overwhelmed by the process, and can afford the monthly fee without financial strain, Lexington Law is at least a legitimate option — unlike many credit repair companies that are outright scams.
✅ Our Recommendation
Before hiring any credit repair company, spend one weekend doing DIY credit repair. Pull your reports, identify errors, file disputes. It costs nothing. If you do that and feel you need professional help after seeing the complexity of your situation, then evaluate paid services with realistic expectations.
📚 Your Free Credit Repair Toolkit
Frequently Asked Questions
Is Lexington Law a scam?
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No — Lexington Law is a legitimate licensed law firm that provides real credit repair services. They are not a scam in the sense that they deliver actual services and follow the Credit Repair Organizations Act. The concern is value — they charge significant monthly fees for services consumers can legally access for free. Being legitimate doesn't mean they're good value for money.
How long does Lexington Law take to see results?
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Dispute results come in 30–45 days per round, which is the same timeline as DIY disputes — this is determined by federal law, not by who files the dispute. Most Lexington Law clients report meaningful progress in 3–6 months if their reports contain genuine errors or unverifiable information. If all negatives are accurate, results may be minimal regardless of time spent.
Can Lexington Law remove accurate negative items?
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No — no company can legally remove accurate, verified negative information before its FCRA reporting deadline. Lexington Law can dispute items hoping bureaus fail to verify them, send goodwill letters, and negotiate with creditors — the same tools available to you for free. They have no special legal authority to force removal of accurate information.
What happened with Lexington Law's FTC case?
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Lexington Law's parent company (PGX) faced FTC action resulting in a significant settlement related to alleged telemarketing violations and charging fees before services were rendered. This led to their filing for bankruptcy restructuring. The company continued operating under new ownership. This history is worth knowing when evaluating any credit repair company — even larger ones face regulatory scrutiny.
CB
Charles Bravo
Senior Personal Finance Advisor · 15 Years Experience
Charles Bravo has spent 15 years helping Americans navigate credit repair decisions. He provides honest, unsponsored reviews of financial services to help consumers make informed decisions.
⚠️ Disclaimer This website is for informational purposes only. This review reflects general information about Lexington Law's services. Nothing constitutes an endorsement or financial advice. Always verify current pricing and services directly with any company before engaging.