Yes, Lexington Law is a real, operating credit repair firm: attorney-handled, $139.95 a month, with a public CFPB enforcement record you can read yourself. Whether it is worth it is a separate question, because every dispute it files is one you can also file under the Fair Credit Reporting Act.
If you have a wrong late mark or a collection that isn’t yours, and a $139.95 monthly bill is the price on the table, “legit” is the wrong test. The better one is whether you need to pay anyone to dispute what the law lets you dispute yourself.
Lexington Law is a real firm with a public CFPB record
Yes. Lexington Law is an attorney-handled firm, and its CFPB enforcement record is public and covers telemarketing fees and advertising, so you can check the record before paying.
Signing up starts with a free assessment and then attorney case setup. There is no self-serve dispute tool, so the firm runs the process and you don’t draft the letters.
What did the CFPB case against Lexington Law find?
The CFPB sued PGX Holdings, Progrexion Marketing, their affiliated companies and John C. Heath, Attorney at Law, PLLC (Lexington Law) on May 2, 2019. It alleged they requested and received prohibited upfront (advance) fees for telemarketed credit repair services, in violation of the Telemarketing Sales Rule, plus deceptive bait-and-switch marketing (Consumer Financial Protection Bureau, 2019).
In August 2023, after a district court ruled that the companies had violated the Telemarketing Sales Rule’s advance fee prohibition, a stipulated final judgment imposed a $2.7 billion judgment against them (Consumer Financial Protection Bureau, 2023). On December 5, 2024, the CFPB announced it was returning $1.8 billion from its victims relief fund to 4.3 million consumers charged those advance fees (Consumer Financial Protection Bureau, 2024).
What do Lexington Law’s Trustpilot reviews say?
Lexington Law holds a 3.2 TrustScore across 624 Trustpilot reviews, and 26% of them are one-star. Of the 131 one- and two-star reviews among its latest 200, posted between February 2022 and October 2026, 77 say the reviewer paid for months and nothing changed.
Billing is the next most common complaint. Of those same 131 reviews, 30 describe billing that continued or a refund that was refused, and 18 describe fees the reviewer did not expect. Jennifer C. gave Lexington Law one star on Trustpilot on March 20, 2024, and described one of them: “Their policy read they would initially charge $14.95 but $99 was withdrawn from my account.”
If you have already paid and got little back, that frustration is documented in plain words on a public page. It is also the reason to price the alternative before you sign anything.
How much does Lexington Law cost each month?
Lexington Law costs $139.95 a month, invoiced at the end of each service period, with 50% off the first payment for veterans and active military. Disputing inaccurate items yourself costs nothing but postage, so the real choice is paying for the firm’s handling of a process you can run.
Can you dispute credit report errors yourself without paying Lexington Law?
Yes. A credit bureau that receives your dispute must conduct a reasonable reinvestigation and generally finish it within 30 days of receiving it (Fair Credit Reporting Act, Section 611(a)(1)(A)).
- Write a letter that names each error, explains why it is wrong and asks for a correction.
- Send it online or by mail to each bureau that reports the error, by certified mail with a return receipt if you want proof it arrived, and keep copies of everything you send.
- The bureau forwards your dispute to the business that reported the item within 5 business days (Fair Credit Reporting Act, Section 611(a)(2)). Once it finishes, it has the same 5 business days to send you the results (Section 611(a)(6)(A)).
- The deadline is 45 days rather than 30 if you filed after getting your free annual report (Fair Credit Reporting Act, Section 612(a)(3)), or up to 15 more days if you send relevant information mid-investigation (Section 611(a)(1)(B)).
- You can also dispute directly with the business that furnished the item, such as your bank or card issuer (Fair Credit Reporting Act, Section 623(a)(8)).
What should you check before paying any credit repair company?
Check whether it asks for money before it has done the work. Federal law bars credit repair companies from charging before their services are performed (Credit Repair Organizations Act).
Ask how you will hear about your case, too. Brenda V.’s one-star Trustpilot review of The Credit People from May 3, 2023 reads: “Slow service no communication”. Get the answer in writing before you pay.
Legit means real, and real is not the same as required
Lexington Law passes the test of being a real firm with a public record. It does not pass the test of being the only way to get an error looked at, because the law handed you that right before you ever called anyone. What is left is the drafting and the tracking, and that is the part software can do.
What it costs to dispute credit errors with a firm, an app or on your own
CreditRefresh costs $49.99 a month through Refresh Monitoring, against the $139.95 Lexington Law publishes, and it reaches all three bureaus. Dovly reaches TransUnion only, and The Credit People charges $99 to $119 a month.
| Tool | What you pay | What that buys | Bureaus | Trustpilot |
|---|---|---|---|---|
| CreditRefresh | $49.99 a month via Refresh Monitoring; no setup fee; letters self-mailed free or RushMail per-letter fee | Software you control; AI drafts letters, you review and sign; bundled with Refresh Monitoring subscription | All three | 4.6 (22 reviews) |
| Dovly | Free $0 (no credit card); Premium $99.99/year (about $8.33/mo) or $39.99/month; no setup fee published; Dovly sends the disputes itself | Dovly AI writes and sends TransUnion dispute letters for you (one a month on Free; unlimited on Premium, the AI picking which items); weekly TransUnion report, alerts, $2K tradeline, credit lock, $1M ID theft insurance on Premium | TransUnion only | 4.6 (715 reviews) |
| Dispute Beast | Free tool; Beast Credit Monitoring from $49.99/m; Sprint Mail extra per letter, or free self-mail | Software the user controls (DIY AI app), bundled with paid monitoring required | All three | 4.2 (2091 reviews) |
| The Credit People | $99/month Standard; $119/month Premium; $599 for 6 months Premium Flat Rate; mailing fee not published | Firm drafts and sends disputes for you; you do not draft, sign or mail letters; includes unlimited challenges and monthly report refreshes | All three | 1.7 (18 reviews) |
| Lexington Law | $139.95/month, invoiced at end of each service period; 50% off first payment for veterans and active military | Attorney-handled disputes by the firm, not software you control; attorney case setup after a free assessment | All three | 3.2 (624 reviews) |
Every price is that company’s own published rate, as its own site states it. Trustpilot scores and review counts as published.
How CreditRefresh drafts your dispute letters for $49.99 a month, with you signing each one
If your problem is real errors on your reports, the drafting is the part you were about to pay $139.95 a month for. We read your reports from all three bureaus and flag items that look inaccurate, incomplete, unverifiable or too old. For each one we draft a ready-to-send FCRA letter. It takes three steps, from report scan to letter to mailing, with nothing to learn.
Skip the paperwork. Start your dispute.
CreditRefresh drafts your FCRA dispute letter and tracks the 30-day investigation window. You review, approve, and send. You stay in control.
Get StartedYou review and sign every letter, then mail it yourself or pay a small per-letter fee to have RushMail do it. There is no setup fee, no per-dispute charge and no contract, and you can cancel anytime. Credit Refresh LLC is not a law firm, and our letters are not legal advice. Members rate us 4.6 on Trustpilot across 22 reviews. Jean L. gave CreditRefresh five stars on Trustpilot on August 24, 2026: “The response time to my questions were very rapid and filled with complete/specific detailed instructions (not coined nor ‘auto-reply’).”
Members who work the full program and never see a bureau score rise above where it started can claim back every Refresh Monitoring payment under our 100% money-back guarantee. That is a refund promise, and its conditions are on that page.
Frequently Asked Questions
Does disputing a credit report error guarantee a higher credit score?
No. We work on your reports, not your scores. Each bureau decides how a dispute turns out, and what else is in your file shapes your score.
Does CreditRefresh draft dispute letters for all three credit bureaus?
Yes. We pull your reports from Equifax, Experian and TransUnion, scan for errors and FCRA violations, and cite the specific issue and statutory basis in each letter. You mail the letters yourself or send them through RushMail.
What should a credit dispute letter include?
Include your full name and address, each error with the account number and creditor name, a clear statement of why it is wrong and what it should say, and copies of your supporting documents, never originals. Sign and date it, and keep copies of everything.
CreditRefresh drafts a letter for each error you can dispute yourself, and nothing goes out until you review and sign it. Backed by a 100% money-back guarantee.
