Lexington Law Review
The biggest name in credit repair, operating in reduced form after a landmark 2023 CFPB action and parent bankruptcy.
About Lexington Law
The biggest name in credit repair, operating in reduced form after a landmark 2023 CFPB action and parent bankruptcy. Lexington Law is offered by John C. Heath, Attorney at Law PLLC (d/b/a Lexington Law) and currently holds an average rating of 2.9 out of 5 across 617 user reviews. It falls into the Credit Repair category and tends to be the strongest fit for only for users who specifically want attorney-led disputes and accept the record.
Editorial grade: C (composite score 52/100).
Highlights
- Attorney-directed challenges, creditor interventions, and the broadest service menu in the category
- Single plan at $139.95/mo with no initial fee under current pricing
- Decades of history and 10M+ claimed removals
What we like
- Attorney-based model with the widest range of dispute tactics
- No upfront fee; cancel anytime without penalty
- Name recognition means extensive documentation of how the service works
Where it falls short
- 2023 CFPB action: $2.7B redress judgment, $64M+ in penalties, and a 10-year telemarketing ban against its corporate family for illegal advance fees and deceptive ads
- Parent PGX Holdings went through Chapter 11 in 2023; operations are sharply reduced
- Most expensive monthly fee in the category, with no money-back guarantee and poor current ratings
Fees, minimums, and rates
Monthly fee: $139.95/mo, no initial fee. Minimum to open: $0. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.
How we reviewed it
Our money-app reviews weight cost (25%), accuracy and reliability (25%), data security (20%), usefulness (20%), and customer support (10%). We install the app on a personal device, link real bank accounts, and track whether it measurably improves behavior over a 30-day window. For this review of Lexington Law, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Credit Repair shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.
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Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.