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⚠ Regulatory Warning: Lexington Law has faced multiple FTC and CFPB enforcement actions for alleged deceptive practices. Research thoroughly before signing up.
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Lexington Law Terms of Service

Last updated: December 2025 | Reviewed: February 2026

Credit repair law firm charging $99-149/month. History of regulatory enforcement for allegedly charging for services not rendered and making misleading claims.

32
Grade D
Bottom Line: Lexington Law's terms provide virtually no guarantees of results while charging premium monthly fees. The company has faced significant regulatory scrutiny, including a 2019 CFPB lawsuit alleging illegal fees and a $2.7 billion FTC settlement. Their terms heavily favor the company and provide limited recourse for dissatisfied customers.

Category Scores

Fee Transparency 35/100
Result Guarantees 15/100
Cancellation Policy 38/100
Dispute Resolution 32/100
Regulatory Compliance 22/100

Key Findings

⚠ No Guarantee of Results
Despite charging $99-149/month, Lexington Law provides zero guarantees that your credit score will improve or that any items will be removed from your credit report.
"We do not guarantee any particular result. Credit repair outcomes vary based on individual circumstances. Past performance does not guarantee future results."
⚠ Upfront "First Work" Fee
Beyond monthly fees, Lexington Law charges a "First Work" fee of $89.95-$129.95 before any credit repair work begins. This violates the Credit Repair Organizations Act in some states.
⚠ Aggressive Arbitration Clause
Mandatory binding arbitration with class action waiver. No opt-out period provided. Arbitration must occur in Utah regardless of where you live.
"Any dispute shall be resolved exclusively through binding arbitration in Salt Lake County, Utah. You waive any right to participate in class actions."
⚠ Difficult Cancellation Process
Cancellation requires a phone call during business hours. Written cancellation requests may not be honored. Users report difficulty reaching cancellation department.

Regulatory History

Related Resources