Lexington Law – Best for legal expertise
- Monthly fee: $59.95-$139.95
- One-time set-up fee: $59.95-$139.95
Why we picked it: Lexington Law is a credit repair company run by legal experts, meaning lawyers and paralegals work the cases. This company offers the widest variety of plans consumers can select from. One unique aspect of Lexington Law’s credit repair services is access to a personal finance manager in both the Essential and Premier plans.
Lexington Law also offers programs such as DebtHandler (debt assessment tool) and Inquiry Assist (provides pre-written credit dispute letters). However, while some credit repair companies offer unlimited disputes with credit bureaus, this company only offers up to eight.
Along with CreditRepair.com, Lexington Law was named in a 2019 CFPB lawsuit. In the lawsuit, the CFPB alleged that Lexington Law charged upfront fees for services not yet performed (which is illegal) and for deceptive marketing practices. In August 2022, the CFPB amended its complaint and is seeking damages and to compensate affected consumers.