What Lexington Law is and what it actually does
Lexington Law is a credit repair company that contacts credit bureaus and creditors on your behalf to dispute inaccurate information on your credit report. The company does not remove accurate negative information, pay off your debts, or negotiate with creditors to lower what you owe. It sends dispute letters to Equifax, Experian, and TransUnion claiming that items on your report are wrong, and follows up when the bureaus respond.
Lexington Law charges a monthly fee for this service, typically between $99 and $199 depending on which plan you choose. You can dispute items yourself for free by contacting the credit bureaus directly, which is why understanding what Lexington Law actually does — and what it does not — matters before you pay for it.
The company has been operating since 1991 and is based in Utah. It is not affiliated with any government agency, and using Lexington Law does not change your legal rights or the timeline for how credit bureaus must respond to disputes.
Key Takeaways
- Lexington Law sends dispute letters to credit bureaus on your behalf, but you can send these letters yourself for free.
- The company charges a monthly fee and typically requires a contract; you can cancel, but read the cancellation terms before signing up.
- Lexington Law cannot remove accurate information from your credit report, even if you pay for their service.
- Credit bureaus have the same legal obligation to investigate disputes whether they come from you or from Lexington Law.
- Results vary widely; some people see items removed and others see no change, because outcomes depend on whether the disputed information is actually inaccurate.
How Lexington Law's dispute process works
When you sign up, Lexington Law reviews your credit report and identifies items it believes may be inaccurate or unverifiable. The company then sends dispute letters to the credit bureaus and, in some cases, to the creditors or collection agencies that reported the information.
The credit bureaus have 30 days to investigate each dispute and respond. If they cannot verify that the information is accurate, they must remove it. Lexington Law follows up on disputes that do not receive a response and may resend letters if the bureau does not act within the legal timeframe.
This process is the same whether you dispute items yourself or hire Lexington Law to do it. The credit bureaus do not treat disputes differently based on who sends them. The main difference is that Lexington Law handles the paperwork and tracking, while you would do that work yourself if you disputed for free.
Lexington Law's pricing and contract terms
Lexington Law offers three main service tiers. The basic plan typically costs around $99 per month, a mid-tier plan around $149 per month, and a premium plan around $199 per month. Each tier includes a different number of disputes per month and different levels of follow-up activity. The company may also charge an initial setup fee, which varies.
Most Lexington Law customers sign a contract, usually for a minimum of several months. Before you commit, read the cancellation policy carefully. Some plans allow month-to-month cancellation after an initial period, while others lock you in longer. If you cancel, confirm whether you owe a final payment or early termination fee.
Lexington Law also offers a "pay-per-dispute" option for customers who do not want a monthly subscription, though this is typically more expensive per dispute than the monthly plans.
What Lexington Law cannot do
Lexington Law cannot remove accurate information from your credit report. If a late payment, collection account, or bankruptcy is correctly reported, Lexington Law's disputes will not succeed, and the item will remain on your report. The company also cannot negotiate with creditors to lower your balance, settle a debt, or stop collection calls — those are debt settlement or debt management services, which Lexington Law does not provide.
Lexington Law cannot speed up the credit bureau investigation process. By law, bureaus have 30 days to respond to disputes, and Lexington Law cannot make them respond faster. The company also cannot may provide results. Some customers see items removed; others see no change. Outcomes depend entirely on whether the disputed information is actually inaccurate or unverifiable.
Lexington Law is not a credit counseling service and does not teach you how to build credit, manage debt, or improve your financial habits. If you need that kind of guidance, you would need to seek it elsewhere.
Comparing Lexington Law to disputing on your own
You have the legal right to dispute inaccurate information on your credit report for free. To do this yourself, you request your credit report from each bureau (free at annualcreditreport.com), identify items you believe are wrong, and send a dispute letter to the bureau that reported it. The bureau must investigate within 30 days and respond to you in writing.
The main advantage of using Lexington Law is convenience: the company handles the paperwork, tracks responses, and sends follow-up letters if needed. If you have many disputed items or prefer not to manage the process yourself, this can be worth the monthly fee to some people.
The main disadvantage is cost. If you dispute a few items yourself, you pay nothing. If you use Lexington Law for a year at $99 per month, you pay $1,188. If the disputes succeed, you may see your credit score improve, but that improvement depends on the items being inaccurate — not on who sent the dispute.
What to know about credit repair companies and regulations
Credit repair companies are regulated under the Credit Repair Organizations Act (CROA), a federal law that sets rules for how they can operate. Under CROA, credit repair companies must give you a written contract, cannot charge upfront fees before they perform services, and cannot make false claims about what they can do.
Lexington Law complies with CROA. However, CROA does not prevent credit repair companies from charging monthly fees or from making disputes that may not succeed. It also does not may provide that using a credit repair company will improve your credit score.
Many states have additional laws regulating credit repair companies. Some states require licensing or bonding. Before signing up with Lexington Law or any credit repair company, check whether your state has specific rules and whether the company is registered or licensed in your state.
Alternatives to Lexington Law
If you want to dispute items on your credit report without paying a monthly fee, you can do it yourself by contacting the credit bureaus directly. Send a written dispute letter to Equifax, Experian, and TransUnion (addresses are on their websites) describing the item you believe is inaccurate and why. Keep copies of everything you send and receive.
Other credit repair companies exist and operate similarly to Lexington Law, including Sky Blue Credit Repair, The Credit People, and others. They charge different fees and may offer different service levels, but the underlying process — disputing with the bureaus — is the same.
If your credit report contains accurate negative information, disputing will not remove it. In that case, your options are to wait for the item to age off your report (typically seven to ten years depending on the type of item) or to work on building positive credit history by paying bills on time and keeping credit card balances low.
Frequently Asked Questions
Will Lexington Law improve my credit score?
Lexington Law may improve your credit score if it successfully removes inaccurate items from your report, because those items will no longer drag down your score. However, if the disputed items are accurate, they will remain on your report and your score will not change. Results vary widely depending on what is actually on your report.
Can I cancel Lexington Law anytime?
Cancellation terms depend on your specific plan and contract. Some plans allow month-to-month cancellation after an initial period, while others have longer lock-in periods. Read your contract carefully before signing up, and contact Lexington Law directly to understand your cancellation options and any fees that may explore.
Is Lexington Law a scam?
Lexington Law is a legitimate, licensed credit repair company that has been operating for over 30 years. However, "legitimate" does not mean it will work for you. If you have accurate negative information on your report, Lexington Law cannot remove it, and you will pay monthly fees with no results. Evaluate whether the service is worth the cost based on your specific situation.
How long does it take to see results from Lexington Law?
Credit bureaus have 30 days to investigate each dispute. Lexington Law may send multiple rounds of disputes over several months, so the full process can take three to six months or longer. If items are removed, you may see your credit score improve within 30 to 45 days of removal, but this depends on your overall credit profile.
What is the difference between Lexington Law and a credit counselor?
Lexington Law disputes inaccurate items on your credit report. A credit counselor teaches you how to manage debt, create a budget, and build credit over time. They are different services. Lexington Law does not provide counseling, and a counselor does not dispute items on your behalf.