Financial Literacy

Lexington Law Alternatives: What to Know Before Switching

By Score Pros Team • • 10 min read
Lexington Law Alternatives: What to Know Before Switching

Lexington Law — for years the largest credit repair brand in the country — wound down most of its operations in 2023 after a federal court and the Consumer Financial Protection Bureau (CFPB) found its parent company had charged consumers illegal upfront fees. If you were a client, or you were about to sign up, you are now shopping for something else. This guide compares your options the honest way: on the things you can actually verify in writing — price, contracts, complaint records, and regulatory history — not on promises about your score. Every credit situation is different and results vary, so we stick to public, sourced facts.

One note up front, in plain English: Score Pros is a done-for-you credit consulting and credit repair organization as defined by federal law. We follow the Credit Repair Organizations Act (CROA), we do not promise deletions or specific score changes, and nothing below is a guarantee of any outcome.

What actually happened to Lexington Law?

Lexington Law effectively shut down in 2023. In August 2023 the CFPB announced a settlement resolving claims that Lexington Law and its sister brand CreditRepair.com — both owned by Progrexion — collected illegal advance fees in violation of the federal Telemarketing Sales Rule. A federal court had already ruled on the advance-fee issue earlier that year. The order entered a judgment of roughly $2.7 billion for consumer redress, plus civil penalties against Progrexion and Lexington Law (CFPB, 2023). The company filed for Chapter 11 bankruptcy, laid off roughly 900 employees, closed the large majority of its operations, and the group was barred from telemarketing for ten years. It has not reopened.

Why are so many people looking for Lexington Law alternatives right now?

Because millions of former customers were left without a provider at the same moment — and many are now receiving refund checks. Beginning in December 2024, the CFPB started returning $1.8 billion to about 4.3 million people who were charged the illegal fees or exposed to bait-and-switch advertising. It is the largest distribution ever made from the CFPB’s victims relief fund (CFPB, 2024). Two groups are shopping today: former Lexington Law clients whose service stopped mid-stream, and people who were considering the brand and now want a provider with a cleaner track record. If you think you may be owed a payment, you can check your status directly at the CFPB’s official case page — you don’t need to pay anyone to claim it (CFPB case page).

What should you compare when choosing a Lexington Law alternative?

Compare the things a company will put in writing — not the results it hints at. The Lexington Law case is a reminder that a big brand name is not the same as a clean record. Five factual criteria let you rank any provider without relying on anyone’s marketing:

  • Price and billing model. Flat monthly fee versus per-item pricing, and — critically — when you’re charged. Under CROA, a company cannot legally take payment before it has performed the service you paid for.
  • Contract terms. Month-to-month versus a locked-in term, and how cancellation works. CROA requires a written contract and gives you a three-day right to cancel with no penalty.
  • Complaint and enforcement record. Check the Better Business Bureau, the public CFPB consumer complaint database, and your state attorney general. Patterns matter more than any single review.
  • CROA compliance in plain sight. A compliant company discloses your rights, gives you the required “Consumer Credit File Rights” notice, and never promises to erase accurate information.
  • What they actually do. Look for concrete language — reviewing your reports and disputing items that may be inaccurate, incomplete, or unverifiable — not vague promises to “wipe your record.”

The Federal Trade Commission’s guidance on this is blunt: be wary of any company that wants payment before it does any work, tells you not to contact the credit bureaus yourself, or promises to remove accurate negative information (FTC).

What’s the difference between a DIY credit tool and a done-for-you service?

A DIY tool hands you the software and the templates and you do the work; a done-for-you service does the review and dispute work on your behalf. Neither one can promise a specific result, and both are working with the same underlying facts on your report. The right pick depends on your time, the complexity of your file, and how comfortable you are managing the back-and-forth with bureaus and creditors.

  • DIY makes sense when your file is fairly simple — a handful of possible errors — and you have time to send and track your own disputes. It’s the lowest-cost path, and much of it is free.
  • A done-for-you service makes sense when your file is complex — collections, charge-offs, mixed files, or items after a bankruptcy — and you’d rather have someone review the reports, organize the disputes, and keep the process moving. You’re paying for the work and the guidance, not for a guaranteed number.

If you’re weighing the two, our plain-English walk-through of the tradeoffs is here: Fixing your credit yourself vs. hiring a professional.

What does a legitimate credit service actually do — and not do?

A legitimate service reviews your credit reports, flags items that may be inaccurate, incomplete, or unverifiable, and helps you dispute or challenge those items with the credit bureaus and the companies that reported them — a right you already have under the Fair Credit Reporting Act (FCRA). That’s the whole job, done well.

What no honest company will do: it will not promise to remove accurate, verifiable information, and it will not guarantee a score increase or a deletion. Accurate negative items generally stay on your report for a set time on their own — most for up to seven years, most Chapter 7 bankruptcies for up to ten (FTC). Anyone telling you they can “guarantee” those items disappear on a fixed timeline is describing something the law doesn’t allow. Results vary from person to person because every report is different. For more on which providers operate within the rules, see Are credit repair companies legit?

What can you do yourself for free before paying anyone?

A great deal — and you should, whichever route you eventually choose. Federal law gives you free access to your reports and a free dispute process, so you never have to pay to start:

  • Pull your reports for free. You’re entitled to free reports from all three bureaus through the official federal channel, AnnualCreditReport.com. Read every line and note anything you don’t recognize.
  • Dispute inaccurate items directly, at no cost. The FTC lays out the exact steps to challenge an error with the bureau and the furnisher (FTC). Our step-by-step version is here: How to dispute credit report errors.
  • Understand what actually moves a score. FICO weights payment history at about 35% and amounts owed (including how much of your limits you use) at about 30% — together roughly two-thirds of your score (myFICO). Any service, DIY or done-for-you, is working with these same factors.
  • Use free education. Freddie Mac’s CreditSmart program offers free, unbiased financial and credit lessons — a solid baseline before you spend a dollar (Freddie Mac CreditSmart).

Where does Score Pros fit as an alternative?

Score Pros is a done-for-you credit consulting company built to be judged on the same factual criteria above. We disclose that we’re a credit repair organization under CROA and we follow it: a written contract, a three-day right to cancel, and no charge for work before it’s performed. Our model is month-to-month rather than a long lock-in, and we serve clients nationwide with one exception — we do not currently serve Georgia. We don’t promise removals or a specific score; we review your reports, identify items that may be inaccurate or unverifiable, dispute or challenge them on your behalf, and keep you informed at each step. Results vary. You can see how our plans are structured on our services page, or start with the most common entry point, Essential Credit Repair.

The bottom line

Lexington Law’s collapse is a lesson, not just a vacancy. The most useful way to pick a replacement is to compare providers on price, contract terms, complaint history, and CROA compliance — all verifiable — and to be skeptical of anyone selling a guaranteed outcome, since the law and the facts of your report set the limits, not a marketing page. Do the free steps first, know your rights, and choose the option that fits your file. Whatever you decide, results vary and the goal is a provider that’s honest about that.

Sources

Educational information only, not legal or financial advice. Score Pros is a credit repair organization as defined by CROA; we do not promise specific results and outcomes vary by individual.

Frequently asked questions

Is Lexington Law still in business in 2026?

No. Lexington Law wound down most of its operations in 2023 after a federal court and the CFPB found that its parent company, Progrexion, charged consumers illegal upfront fees. The company filed for Chapter 11 bankruptcy, laid off roughly 900 employees, and has not reopened (CFPB, 2023).

Am I owed a refund from the Lexington Law settlement?

You might be. Beginning in December 2024, the CFPB started returning $1.8 billion to about 4.3 million people harmed by Lexington Law and CreditRepair.com. Eligible consumers generally do not need to take any action, and you never have to pay anyone to claim it — check the CFPB's official case page for your status.

What should I look for in a Lexington Law alternative?

Compare verifiable facts rather than promises: the price and billing model, contract terms and cancellation, complaint and enforcement history (the BBB, the CFPB complaint database, your state attorney general), and clear CROA compliance. Be skeptical of any company promising guaranteed removals or a set score increase — the law doesn't allow those promises, and results vary.

Can any credit repair company guarantee items will be removed?

No. No honest company guarantees deletions or a specific score. A legitimate service disputes or challenges items that may be inaccurate, incomplete, or unverifiable under the FCRA. Accurate negative information generally stays on your report for a set time — most items up to seven years, most Chapter 7 bankruptcies up to ten. Results vary.

Can I dispute credit report errors myself for free?

Yes. Federal law gives you free reports from all three bureaus through AnnualCreditReport.com and a free process to dispute errors with the bureaus and the companies that reported them. The FTC publishes step-by-step instructions. Many people start here before deciding whether to hire a done-for-you service.

Does Score Pros serve my state?

Score Pros serves clients nationwide with one current exception: we do not serve Georgia. We're a CROA-compliant, done-for-you service — a written contract, a three-day right to cancel, and no charge for work before it's performed. We don't promise specific outcomes, and results vary by individual.

Sources

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