Credit Saint vs Lexington Law

Guarantees compared

Lexington Law does not publish a money-back guarantee. Its promise is billing for completed work and the ability to cancel anytime.

Credit Saint publishes a 90-day money-back guarantee: if you sign up for any program and don't see any questionable items deleted from your credit in 90 days, you're entitled to a full refund. The terms matter, so here they are in plain words:

1. You must stay active and current on payments for the first 90 days.
2. You must send proof of identity (such as a driver's license and Social Security card) within 5 days of signing.
3. You must not add new negative accounts to your report during the program.
4. You request a refund audit between day 91 and day 120 after your first payment, and Credit Saint has 30 days to review your reports.
5. Staying in the program past day 120 waives the refund.

The guarantee is a refund policy, not a promise that any item will come off or that your score will change. Still, it is a cash refund, which Lexington Law does not offer.

The 2023 CFPB case and what it means today

This is public record, and it explains how Lexington Law operates now.

• The lawsuit. The CFPB sued Lexington Law, CreditRepair.com and their parent companies (PGX Holdings and the Progrexion entities) in May 2019 in the U.S. District Court for the District of Utah, case 2:19-cv-00298 (CFPB case page).
• The ruling. On March 10, 2023, the court found the companies violated the Telemarketing Sales Rule by charging upfront fees for credit repair sold by phone. The rule allows a fee only after the promised results are achieved and documented with a consumer report issued more than six months later (16 CFR 310.4).
• The bankruptcy. PGX Holdings and affiliates, including the law firm then operating Lexington Law, filed for Chapter 11 in Delaware in June 2023 and sold substantially all of their assets on September 28, 2023.
• The judgment. On August 30, 2023, the court entered a judgment of $2,660,926,481 in consumer redress, civil penalties of $45,817,452 (Progrexion) and $18,408,726 (Lexington Law), and a 10-year ban on telemarketing credit repair.
• The refunds. From December 5, 2024 to January 6, 2025, the CFPB distributed $1,849,480,214 to 4,313,921 consumers who paid Lexington Law or CreditRepair.com (CFPB refund details).

Today the Lexington Law site names Oquirrh Mountain Law Group, P.C., doing business as Lexington Law Firm, as the operator. It signs clients up online only and bills after work is done, which fits the rules at the center of the case. You can search any company's record, including ours, in the CFPB enforcement database and the CFPB complaint database.

How the process differs

Both companies do the same core work under the same law: pull your reports, find items that may be inaccurate, incomplete or unverifiable, dispute them with Equifax, Experian and TransUnion, and write to creditors. Under the FCRA, the bureaus generally have 30 days to investigate a dispute (15 U.S.C. 1681i). Neither company can remove accurate, timely information.

Lexington Law starts with a free credit assessment, then a "case setup." It says licensed attorneys and paralegals guide the work. Its feature list includes bureau challenges, creditor letters asking for validation, Inquiry Assist letters, report change alerts, a DebtHandler payoff tool, a monthly TransUnion FICO score and $1 million in identity theft insurance. Clients track progress in an app.

Credit Saint reviews your reports, then sends challenges to all three bureaus and creditor intervention letters at the volume your tier allows. Credit Remodel adds inquiry targeting, a one-bureau report and score, and real-time account sync. Clean Slate adds unlimited challenges, three-bureau reports and scores, and a loan readiness program. Support runs through online chat, 9am to 7pm ET on weekdays, and phone at 1-877-637-2673. For a step by step view, see how long credit repair takes.

Questions to ask before you sign

Get these answers in writing from either company:

• On what day is each charge made, and what work is done before it?
• How many challenges go out each cycle, and to which bureaus?
• If I cancel, is a final payment due, and how is it calculated?
• Is there a refund, and what exactly triggers it?
• Who works my file day to day, and how do I reach them?

Who should choose Lexington Law

• You want a law firm, with attorneys and paralegals named on the service.
• You want $0 at sign-up and no first work fee.
• You want a mobile app, a monthly FICO score and identity theft insurance in one bill.
• You are fine without a money-back guarantee because you can cancel anytime.

Who should choose Credit Saint

• You want a cash refund option if nothing questionable comes off in 90 days.
• You have a few items and want to pay less, starting at $79.99 a month.
• You want to choose your dispute volume, up to unlimited.
• You put weight on review volume: 4.8 on Google from 16,000+ reviews.
• You live outside Kansas, Maine, Mississippi, Oregon, South Carolina and Washington, D.C.

See all three tiers on Credit Saint packages and read client feedback on our reviews page.

How to decide

The Credit Repair Organizations Act gives you the same rights with either company. Use them as a checklist.

1. No fee before the work is done. CROA bars charging for services before they are fully performed (15 U.S.C. 1679b). Ask when each charge hits your card.
2. A written disclosure first. You should get the "Consumer Credit File Rights Under State and Federal Law" statement before you sign (1679c).
3. A written contract. It must list the total of all payments, the services, and how long they should take (1679d).
4. Three business days to cancel. You can cancel without penalty before midnight of the third business day after signing (1679e).
5. No promises of deletions or point gains. No company can promise a result. Walk away if one does.
6. Compare the six-month total, not the monthly price.

If you only have one or two clear errors, you may not need either company. Our guide to disputing negative items yourself walks through it for free. To compare more companies side by side, see /compare/.