Lexington Law Review for 2026

What To Expect From Lexington Law

Lexington Law now centers its service around one premium package.

The first credit report review is free and paves the way for further action. The company can handle a number of issues, including:

Late Payments

Every late payment you make leaves a mark on your credit score. The severity of the penalty depends on how late you are. A single late payment can hurt your score anywhere between 15 and 40 points, and these points can quickly add up.

Lexington Law evaluates your credit repair options and gives you customized solutions to help you avoid any further damage to your score. For example, the company’s attorneys might advise you to set up automatic payments or consider a goodwill adjustment request. 

They will mediate the arrangement or file a dispute with the three major bureaus: TransUnion, Experian, and Equifax.

Charge-Offs

If your payments are more than six months late, your creditor might choose to write off your unpaid debt through a charge-off. Needless to say, this leaves a huge dent in your credit score that’s difficult to polish. Your debt can be sold to a collection agency or settled through other channels.

Lexington Law will immediately dispute the negative entry. But no matter how good of a credit repair firm you hire, it won’t simply be able to delete the charge-off unless you pay the creditor. 

Collections

If your debt is sold to a collection agency, you should deal with it as soon as possible to avoid any inconvenience. The collectors will swamp you with calls and messages, or even contact people you know. So, what exactly does Lexington Law do in this situation?

The attorneys will inform you of your rights under the Fair Debt Collection Practices Act, which protects customers from being bullied by collection agencies. In addition, Lexington Law can dispute lost points on account of medical bill collections when the reporting is inaccurate or unfair.

Foreclosures

All elements of foreclosure can affect your credit score. Regardless of whether you try to deal with this situation through a short sale, voluntary repossession, or credit refinancing, the consequences are still there.

It’s important to remember that even if you settle your debt, it will still appear on your credit report. If your score was higher to begin with, you will suffer a more significant drop.

Judgments and Liens

Because of changes made by the credit bureaus, judgments and liens have been among the most disputed in the past few years. According to the new rules, all credit reports need to include the name, address, Social Security number, and date of birth. 

Lexington Law examines your score and can challenge all incomplete reports. In addition, the bureaus verify the validity of all the information provided every three months. If there is a mismatch, the judgments or liens are automatically dismissed.

Bankruptcies

It goes without saying that bankruptcies wreak absolute havoc on your credit score. But Lexington Law’s team of experts can help by creating a customized recovery plan while taking your bankruptcy into consideration.

Additional Features

When you purchase a plan with Lexington Law, you'll get access to a full suite of the company's premium features, including:

1. Monthly TransUnion FICO® score updates: The company provides ongoing score updates as part of the premium service.
2. Identity theft insurance: Lexington Law includes $1 million in identity theft insurance coverage.
3. Mobile app: The company offers a mobile app for real-time tracking of your progress.
4. Personalized score improvement strategies: In addition to bureau challenges, Lexington Law gives you tailored guidance on improving your overall credit profile.
5. Phone support for clients: Current clients can access support by phone, while non-clients are directed to free consultation and signup channels.

Price and Guarantees

Lexington Law currently offers one premium service priced at $139.95 per month.

The billing structure is also different from what many credit repair services use. You pay $0 when you sign up, your first payment is due after day five, and you are billed monthly after work has been completed.

The company is upfront that credit repair is never guaranteed. Lexington Law says it cannot promise specific removals or score increases, but it will work to help you pursue a fair, accurate, and substantiated credit report.

You can cancel your subscription at any point if you’re not satisfied with the service. However, there is a lack of transparency in the cancellation process, and some customers claim that the refund policy is open to interpretation, which can be problematic for someone trying to reclaim their money.

The company also notes that if you cancel in the middle of a billing cycle, you may still be charged for work completed since your last payment.

Customer Support & User Satisfaction

Lexington Law offers phone support for existing clients and directs new visitors to begin with a free credit assessment online.

The company also provides a mobile app, client login, online resources, and a dedicated FAQ section, which makes it easier to track progress and get answers without having to rely entirely on live support.

Lexington Law’s own site leans heavily on client testimonials and large historical removal figures, and it presents the service as a long-running, results-driven legal credit repair option.

At the same time, its BBB business profile is under review and does not currently show a standard letter grade, so the strongest user-satisfaction signals are coming from the company’s own reported outcomes and testimonials rather than from a clean third-party BBB rating.

Our Verdict

The most important takeaway here is that Lexington Law actually works. It remains one of the best-known legal-focused credit repair brands.

That said, the company still seems to be having issues with billing and refunding. And while the accreditation from the BBB isn’t essential, it’s helpful in establishing a loyal community of users.

Overall, we would recommend Lexington Law for the quality of its services, especially if you are comfortable paying more for attorney-backed support, identity theft protection, and a bundled premium service. If flexibility and lower pricing matter more, some competitors may be easier to fit into your budget.