Lexington Law Review
The biggest name in credit repair, operating in reduced form after a landmark 2023 CFPB action and parent bankruptcy.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked August 31, 2026.
Our verdict
Lexington Law's corporate family took a 2023 CFPB action over illegal advance fees and deceptive ads: a $2.7B redress judgment, $64M+ in penalties and a 10-year telemarketing ban. It now charges $139.95 a month, the category's highest, with no initial fee and no money-back guarantee. Choose it only if attorney-led disputes matter enough to accept that record.
Skip it if monthly cost matters, or if you want a money-back guarantee and a clean regulatory record.
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). Our editorial rating is 2.6 out of 5.
Best 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 fees last checked on August 31, 2026.
How we reviewed it
This is a desk review: we have not opened an account with John C. Heath, Attorney at Law PLLC (d/b/a Lexington Law). It is built from John C. Heath, Attorney at Law PLLC (d/b/a Lexington Law)'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Credit Repair shortlist. The rubric is the same for every brand.
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Read our full editorial methodology for how we review products.