Lexington Law's predecessor entity was hit with a $2.7B CFPB judgment and dissolved in bankruptcy. A successor company now runs the brand at $139.95/month. Here's what changed and why we don't recommend it.
What We Love
Law firm heritageālicensed attorneys historically reviewed complex cases
Interventions for bankruptcies, liens, and judgments (as marketed)
FICO score analysis included in plans
Identity theft restoration services offered
Advanced online portal for tracking disputes
Watch Out For
Predecessor entity found liable for a $2.7 billion CFPB judgment (2023)
Predecessor law firm entity was dissolved in Chapter 11 bankruptcy
Operates under a 10-year telemarketing ban (through approximately 2033)
Current operator is a successor company, not the original firm
BBB rating: Not Rated; 676 CFPB complaints on record
X-Ray Scoreā¢
Not scored
Our Rating
Expert Score
2.3/5
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James Miller
Verified Expert
Senior Financial Analyst
Former Wall Street analyst with 15+ years experience in financial technology and investment research.
CFACFP
Last Fact-Checked
All data points verified against primary sources
July 6, 2026
Editorial Transparency
Published: February 21, 2026
Last updated: July 3, 2026
Reviewed by: James Miller
Fact-checked: Jul 6, 2026
What changed since last update:
Pricing and fee information verified against provider website
Feature availability and regulatory status re-confirmed
Competitor comparison data refreshed
Frequently Asked Questions
No. The original operating entity, John C. Heath, Attorney at Law PC, was found liable for a $2.7 billion CFPB judgment in August 2023 for illegally charging advance fees, and its parent company group filed Chapter 11 bankruptcy that same year, dissolving the original firm. A successor company, Oquirrh Mountain Law Group, P.C., purchased the "Lexington Law" tradename and continues operating under that name today. The predecessor entity also remains under a 10-year telemarketing ban running through roughly 2033.
Results vary significantly by case, and the company does not publish independently verified removal-rate statistics. Law firm heritage may provide some credibility for complex cases, but given the predecessor entity's $2.7B CFPB judgment, the current BBB "Not Rated" status, and 676 CFPB complaints on file, we recommend researching current, accredited alternatives before enrolling.
As of 2026, Lexington Law offers one plan at $139.95/month with no separate setup fee, according to the company's own site. This is a change from the older multi-tier pricing structure ($89-$139/month plus a setup fee) that no longer appears to be offered.
Lexington Law markets itself as a law firm, which historically implied legal expertise for complex cases (bankruptcies, judgments, liens). However, the company's historyāincluding its predecessor's $2.7B CFPB judgment and bankruptcy dissolutionāmeans that "law firm" branding alone should not be taken as a guarantee of superior service or outcomes.
The company states results can take several months, as credit bureaus generally have 30 days to investigate each dispute round. We don't have independently verified timeline data for the current operator and recommend treating any specific promised timeline with skepticism.
Only items that are inaccurate, unverifiable, or reported beyond statutory limits (generally 7-10 years) can legally be removed by any credit repair provider, including Lexington Law. Accurate, current bankruptcies and judgments cannot be removed regardless of provider.
We do not recommend Lexington Law given its predecessor's $2.7 billion CFPB judgment, bankruptcy-driven dissolution, and current reputation metrics (BBB Not Rated, 676 CFPB complaints, Trustpilot 2.3-2.6/5). See our [Best Credit Repair Companies](/us/credit-repair/best-credit-repair-companies) comparison for currently ranked alternatives, including The Credit People.
Lexington Law's historical multi-tier pricing included a separate one-time setup fee on top of the monthly plan cost. The company's current published pricing ($139.95/month, single plan) does not show a separate setup fee, based on the official site as of 2026. Always confirm current fees directly with the company before enrolling.
Noāguaranteeing specific dispute outcomes is illegal under FTC regulations for any credit repair company. Confirm current guarantee and refund terms directly with the company, since we cannot verify historical guarantee claims still apply under the current operator.
Historically, the company positioned its attorneys to advise on dispute strategy for consumers facing creditor lawsuits, without providing courtroom representation. Given the change in corporate ownership, we recommend confirming current legal-service scope directly with the company and consulting a separate litigation attorney for active lawsuits.
The company has historically marketed creditor interventions, debt validation requests, and cease-and-desist letters as part of its service. Confirm what is currently included, and at what cost, directly with the company before enrolling.
Affiliate Disclosure: SmartFinPro may earn a commission when you click links and make a purchase. This does not affect our editorial independence. Learn more
Compliance Notice: Lexington Law is not on our ranked list. The
predecessor entity that operated under this brandāJohn C. Heath, Attorney at
Law PCāwas found liable for a $2.7 billion CFPB judgment in a stipulated
judgment (August 2023, Case 2:19-cv-00298-BSJ, D. Utah) for illegally
charging advance fees in violation of the Telemarketing Sales Rule. That
judgment also imposed a 10-year telemarketing ban running through
roughly 2033. The parent company group (PGX Holdings/Progrexion) filed
Chapter 11 bankruptcy in June 2023, and the original law firm entity was
dissolved, not restructured, in that process. A separate successor
company, Oquirrh Mountain Law Group, P.C., subsequently purchased the
"Lexington Law" tradename and continues to operate a business under that
same name today. Current public reputation signalsāBBB rating of Not
Rated, 676 CFPB complaints, and a Trustpilot rating of roughly
2.3-2.6 out of 5ādo not meet our bar for inclusion. For these reasons,
Lexington Law is not included in our Best Credit Repair Companies
comparison. The rest of
this page explains what the service has historically offered and what
changed, for readers researching the name.
Current Reputation Signals
Source: BBB Ā· CFPB Ā· Trustpilot
Not Rated
BBB Rating
676
CFPB Complaints
2.3-2.6/5
Trustpilot
$2.7B
CFPB Judgment (2023)
If you want a currently-recommended, lower-cost alternative instead, The Credit People is the lowest-cost option in our ranked comparison, with a real (verified) partner relationship:
Predecessor law firm entity dissolved in Chapter 11 bankruptcy (2023)
Current operator is a successor company (Oquirrh Mountain Law Group) using the same tradename
Not included in SmartFinPro's ranked comparison due to the above
Bottom line: This page is informational context on a company with a serious compliance history, not a purchase recommendation.
Verified Expert
James Miller
James Miller
CFA, CFP | Credit & Financial Recovery Specialist
12+ years advising on FCRA disputes and credit recoveryFormer compliance analyst at major US credit bureauBoard member, National Foundation for Credit Counseling
āThe $2.7 billion CFPB judgment against Lexington Law's predecessor entity, followed by that firm's dissolution in bankruptcy, is not a minor footnoteāit's a core fact anyone researching this name needs to know before enrolling with the successor operator. We no longer include this company in our ranked comparison, and we'd encourage readers to look at accredited alternatives with a clean compliance record instead.ā
Expert Rating:
2.3/5
Lexington Law is a credit repair brand that has operated under law-firm branding since 1991. Historically, the company positioned itself as different from non-attorney credit repair services by having licensed attorneys review cases, file disputes, and provide legal interventions for complex credit issues such as bankruptcies, judgments, and identity theft.
The predecessor operating entity, John C. Heath, Attorney at Law PC, specialized in challenging inaccurate, outdated, or unverifiable information on credit reports from Equifax, Experian, and TransUnion. That entity was dissolved in the 2023 Chapter 11 bankruptcy following the CFPB judgment described above. A successor company, Oquirrh Mountain Law Group, P.C., now operates the business under the same "Lexington Law" tradename.
Key Facts
Key Facts8
Show detailsHide details
Brand active since: 1991
Predecessor entity: John C. Heath, Attorney at Law PC ā dissolved in 2023 Chapter 11 bankruptcy
Current operator: Oquirrh Mountain Law Group, P.C. (successor, purchased the tradename)
CFPB judgment: $2.7 billion (stipulated, August 2023) for advance-fee violations of the Telemarketing Sales Rule
Telemarketing ban: 10 years, running through approximately 2033
Current pricing: $139.95/month, single plan (per official site, 2026)
BBB rating: Not Rated
CFPB complaints: 676 on record
Do I need a law firm for credit repair?
Pricing & Plans Breakdown
Current Lexington Law Pricing (2026)
As of 2026, the official Lexington Law site lists a single plan rather than the tiered structure ("Concord Standard / Concord Premier / PremierPlus") the company used historically.
Plan
Monthly Cost
Setup Fee
Notes
Single plan
$139.95
None listed separately
First payment is generally due 5-15 days after enrollment, per the official site
The older multi-tier pricing (roughly $89-$139/month across three tiers, plus a separate ~$99 setup fee) that this review previously described no longer appears to be offered. If you encounter marketing that cites the old tiered pricing, treat it as outdated.
What Has Historically Been Marketed as Included6
Show detailsHide details
Three-bureau disputes - Challenges filed with Equifax, Experian, TransUnion simultaneously
Unlimited disputes - No stated limit on how many items can be challenged
Monthly credit report updates - Track removals and changes
Score analysis - FICO score tracking
Online portal - Dispute tracking dashboard
Customer support - Phone and email support during business hours
Historically Marketed Premium Features4
Show detailsHide details
Creditor interventions: Direct negotiation with original creditors
Inquiry assistance: Targeting unauthorized hard inquiries
Personal finance tools: Budgeting resources and credit education
Attorney consultations: Access to licensed attorneys for complex questions
Given the predecessor entity's $2.7B CFPB judgment for illegal advance-fee practices, verify exactly what you are being charged for, and when, directly with the company and in writing before enrolling. Do not rely on marketing claims alone.
How Lexington Law Works
Step 1: Free Credit Consultation (Day 1-2)
Visit Lexington Law's website and submit basic information
Licensed paralegal calls to review your credit situation
No credit pull requiredādiscussion only
Receive plan recommendation based on complexity
Note: This is a sales call. Confirm current pricing directly, since marketed figures have changed over time.
Step 2: Credit Report Analysis
First payment is due, per the official site, generally 5-15 days after enrollment (confirm current terms directly)
Lexington Law obtains your credit reports from all three bureaus
Attorneys or paralegals review each item, per company marketing
Example strategy: If you have 18 negative items, Lexington Law might prioritize:
Bankruptcies older than 7-10 years (immediate legal challenge)
Collections with no documentation (debt validation request)
Late payments from accounts you dispute
Unauthorized hard inquiries
Step 3: Dispute Filing (Week 2-4)
Professional dispute letters drafted using legal language
Letters sent via certified mail to credit bureaus
You receive copies in your online portal
Credit bureaus have 30 days to investigate
Legal advantage: Disputes include legal references (FCRA Section 611, 623) that signal law firm representation, potentially increasing bureau cooperation.
Step 4: Creditor Interventions
Historically marketed on higher-tier plans; confirm current availability directly:
Debt validation letters sent to collection agencies
Creditor contact requesting documentation or settlement
Cease-and-desist letters to stop harassment
Goodwill letters to original creditors requesting removal
Example: If you have a $3,000 medical collection, Lexington Law sends a debt validation request. If the collector cannot provide original creditor documentation, the item must be removed from your report.
Step 5: Monitoring & Re-Disputes (Month 2-6)
Monthly credit report updates show progress
Items not removed in first round are re-disputed with stronger language
New negative items that appear are automatically challenged
You receive monthly progress reports via email and online portal
Timelines vary by case complexity. The company does not publish independently verified statistics on typical duration or score improvement, so treat any specific number you see in marketing with skepticism.
For standard disputes (late payments, collections), attorney involvement has historically been minimal regardless of planāparalegals typically handle these disputes similarly to non-attorney services.
Results & Reputation: What We Found
We are not able to verify Lexington Law's actual dispute-resolution performance from independent, audited data, and the company does not publish verified removal-rate statistics. What follows is what's publicly checkable: complaint volume and third-party review aggregators, not first-hand testing results.
An earlier version of this review cited specific figures (e.g., "10.3 items challenged per customer," "54% removal rate," point-by-point case studies) framed as SmartFinPro's own testing data. We could not substantiate those figures as genuine first-hand research, so we have removed them. Results vary significantly by case, and no verified, independently audited removal-rate or score-improvement statistics are publicly available for this company.
What We Can Verify
Metric
Source
Finding
BBB rating
Better Business Bureau
Not Rated
BBB complaints
Better Business Bureau
Roughly 140 complaints over 3 years
CFPB complaints
Consumer Financial Protection Bureau
676 complaints on record
Trustpilot rating
Trustpilot
Roughly 2.3-2.6 out of 5, from ~600-615 reviews (range reflects different snapshot dates in 2026)
Predecessor CFPB judgment
CFPB / D. Utah court record
$2.7 billion (August 2023)
Where would law firm status help, in principle?
Reputation Signals
Rather than repeating unverifiable "customer results" statistics, here is what's checkable through public, third-party sources as of 2026:
BBB: Not Rated, with approximately 140 complaints logged in the past 3 years
CFPB Consumer Complaint Database: 676 complaints on record for this company/brand
Trustpilot: Approximately 2.3-2.6 out of 5 stars across roughly 600-615 reviews
These are meaningfully worse reputation signals than several accredited competitors in this category. See our Best Credit Repair Companies comparison for providers with cleaner compliance and complaint records.
Pros & Cons
Pros (What the Service Has Historically Marketed)
ā Law firm heritage: Historically marketed licensed-attorney review for complex cases (identity theft, old bankruptcies, court judgments)
ā Interventions offered: Creditor contact, debt validation, cease-and-desist letters, per company marketing
ā Tracking portal: Online dashboard with FICO score monitoring across all three bureaus
ā Identity theft services: Restoration process with legal affidavits offered historically
ā Brand longevity: Brand active since 1991, though under a different operating entity today
Cons
ā Predecessor entity found liable for a $2.7 billion CFPB judgment (2023) for illegal advance-fee practices
ā Predecessor law firm entity dissolved in Chapter 11 bankruptcy, not restructured
ā Operating under a 10-year telemarketing ban through approximately 2033
ā Current operator is a successor company (Oquirrh Mountain Law Group), not the original firm
ā BBB rating: Not Rated, with roughly 140 complaints in 3 years
ā 676 CFPB complaints on record
ā Trustpilot rating of roughly 2.3-2.6/5, well below several accredited competitors
ā Not included in SmartFinPro's ranked comparison as a result of the above
Lexington Law vs. Accredited Alternatives
Rather than a head-to-head marketing comparison, here is how Lexington Law's verifiable compliance and reputation record compares to companies we do rank:
Should I still consider Lexington Law given its history?
If You're Still Researching Lexington Law
Before Doing Anything Else
Get your credit reports first - Visit annualcreditreport.com and review all three bureaus
Research the current operator directly - Confirm who you'd actually be contracting with (Oquirrh Mountain Law Group, P.C., operating under the Lexington Law tradename) and their current terms
Get all current pricing and guarantee terms in writing - Do not rely on marketing claims, given the predecessor entity's advance-fee violations
Don't apply for new credit while enrolled in any credit repair program. Disputes can trigger "credit repair flagging" by underwriters, potentially affecting mortgage or auto loan applications. Wait until your credit repair process is complete before applying for major credit.
The Verdict: Why We Don't Recommend Lexington Law
Bottom Line
Lexington Law's predecessor entity was found liable for a $2.7 billion CFPB judgment and was dissolved in Chapter 11 bankruptcy. The brand now operates under a different corporate entity (Oquirrh Mountain Law Group, P.C.) that purchased the tradename and remains under a 10-year telemarketing ban. Combined with a BBB "Not Rated" status, 676 CFPB complaints, and a Trustpilot rating around 2.3-2.6/5, this company does not meet our bar for a ranked recommendation, and we do not have (or want) an affiliate relationship with it.
Our Recommendation
We do not recommend Lexington Law given its predecessor entity's $2.7 billion CFPB judgment, Chapter 11 dissolution, and current reputation metrics (BBB Not Rated, 676 CFPB complaints, Trustpilot 2.3-2.6/5). For standard credit repair needs, The Credit People offers transparent, current pricing with a lower setup fee. For attorney-led disputes without Lexington Law's compliance history, see Safeport Law in our comparison.
Is Lexington Law a legitimate credit repair company?
It operates legally today under a successor entity, Oquirrh Mountain Law Group, P.C., which purchased the "Lexington Law" tradename. However, the predecessor entity that built this brandāJohn C. Heath, Attorney at Law PCāwas found liable for a $2.7 billion CFPB judgment (2023) for illegally charging advance fees, and was dissolved in the Chapter 11 bankruptcy that followed. The predecessor also remains under a 10-year telemarketing ban through roughly 2033. We recommend weighing this history carefully; SmartFinPro does not include this company in its ranked comparison as a result.
How much does Lexington Law cost?
As of 2026, the official Lexington Law site lists a single plan at $139.95/month with no separate setup fee. This is a change from the older multi-tier structure (roughly $89-$139/month across three tiers plus a setup fee) that this company marketed previously. Always confirm current pricing directly with the company in writing before enrolling.
How long does it take to see results with Lexington Law?
We don't have independently verified timeline data for the current operator. In general, the credit bureau dispute cycle takes about 30 days per round for any credit repair provider, and cases often require multiple rounds. Treat any specific "typical results" timeline in marketing material with skepticism, since the company does not publish audited statistics.
What types of items can Lexington Law dispute?
Like any credit repair company, Lexington Law can dispute items that are inaccurate, unverifiable, or reported beyond the statutory limit (generally 7 years for most negative items, 10 years for Chapter 7 bankruptcies) under the FCRA. No credit repair companyāincluding this oneācan legally remove accurate, verifiable negative items.
How does Lexington Law compare to ranked alternatives?
We don't rank Lexington Law due to its predecessor entity's $2.7 billion CFPB judgment, subsequent bankruptcy dissolution, and current reputation metrics (BBB Not Rated, 676 CFPB complaints, Trustpilot ~2.3-2.6/5). See our Best Credit Repair Companies comparison for currently ranked providers, including The Credit People, and verify each company's current terms directly.
Can I cancel Lexington Law at any time?
The company has historically marketed itself as month-to-month with no long-term contract, cancelable at any time. Per the Credit Repair Organizations Act (CROA), any credit repair company must also allow cancellation within 3 business days of signing up for a full refund of fees paid during that period. Confirm current cancellation terms directly with the company before enrolling.
