Lexington Law: Championing Consumer Advocacy in Credit Repair

The Lexington Law Difference

At Lexington Law, credit repair is more than just correcting errors, it is about protecting consumer rights. Unlike generic credit service providers, Lexington Law is a law firm first. This means every case is grounded in legal expertise and a commitment to the highest ethical standards.

Clients can expect:

• Transparent services – Only charging for work that has been completed.
• Honest guidance – No false promises about results or timelines.
• Empowerment – Informing clients of their right to dispute inaccuracies on their own.
• Experienced advocacy – Applying proven legal strategies under consumer protection laws.

By combining education with action, Lexington Law empowers clients to take control of their financial future.

A Legacy of Consumer Advocacy

Since its founding, Lexington Law has transformed the credit repair industry. The firm’s mission has always been clear: to revolutionize credit repair through ethical, effective legal representation.

• 2004: Attorney John C. Heath joined as Directing Attorney, cementing the firm’s reputation as a pioneer in credit advocacy.
• 2010: Lexington Law surpassed one million client sign-ups, a milestone that highlighted the growing demand for its services.
• 2025: Cody W. Johnson was appointed Directing Attorney, ushering in a new era of leadership and consumer protection.

Today, Lexington Law continues to represent clients nationwide, focusing on fair reporting and the removal of inaccuracies that harm financial reputations.

Leadership Spotlight: Cody W. Johnson

At the helm of Lexington Law is Directing Attorney Cody W. Johnson, a Marine Corps veteran and experienced legal advocate.

Johnson’s career reflects a lifetime of service:

• A veteran of Operation Enduring Freedom, where he served as a sergeant in a light armored reconnaissance unit.
• A respected criminal prosecutor, known for supporting victims and upholding justice.
• A consumer rights advocate, who joined Lexington Law in 2014 and has since dedicated his practice to protecting clients from unfair credit reporting.

Johnson’s leadership embodies Lexington Law’s values, integrity, perseverance, and advocacy. His mission is simple: ensure every client has a fair and accurate credit profile.

Leveraging the Law to Protect Consumers

What sets Lexington Law apart is its deep understanding of federal consumer protection laws, including:

• The Fair Credit Reporting Act (FCRA)
• The Fair Debt Collection Practices Act (FDCPA)
• The Credit Repair Organizations Act (CROA)

These laws provide the foundation for Lexington Law’s strategies. By holding creditors and reporting agencies accountable, the firm ensures clients’ rights are not just recognized, but defended.

Technology Meets Legal Advocacy

Modern credit repair requires more than legal knowledge. Lexington Law combines its lawyer-driven process with cutting-edge technology, giving clients real-time access to their credit progress.

• The Lexington Law mobile app allows clients to track disputes, upload documents, and monitor progress.
• Secure digital tools streamline the dispute process while keeping clients informed.
• Educational resources empower consumers to understand credit scoring and build healthier financial habits.

This hybrid approach blends advocacy with innovation, making Lexington Law a trusted partner in financial recovery.

Reputation for Ethical Standards

Lexington Law has earned recognition across major outlets for its dedication to consumer protection.

• Credit.com Review of Lexington Law praised the firm’s experienced legal team.
• Yahoo Finance named Lexington Law among the best in the industry.
• Business Insider highlighted its proven reputation for credit repair.

This consistent recognition underscores Lexington Law’s position as a trusted name in consumer advocacy.

Commitment to Client Empowerment

Lexington Law’s mission extends beyond repairing credit reports. The firm is committed to educating clients so they can maintain financial wellness long after the repair process ends.

Through resources, check-ins, and ongoing guidance, Lexington Law ensures that every client walks away not just with improved credit, but with the tools to build lasting financial health.

Conclusion

Credit is more than a number, it is a reflection of financial opportunity. With Cody Johnson’s leadership and a team of dedicated attorneys and paralegals, Lexington Law continues to set the standard for ethical, effective credit repair. By championing consumer rights and advocating for fair reporting, Lexington Law empowers clients to take control of their financial reputations and achieve their goals.

Lexington Law Faq’s

Did Lexington Law go bankrupt?

No—Lexington Law itself never shut down. Its parent company restructured in 2023 to become stronger, and Lexington Law used that process to streamline operations and continue serving clients nationwide. The outcome has been a more stable and focused firm, better equipped to help people improve their credit.

Is Lexington Law still in business?

Yes. Lexington Law remains one of the nation’s best-known credit repair law firms, with decades of experience and thousands of satisfied clients. They continue to provide attorney-driven credit repair services every day.

Are they still taking new clients after bankruptcy?

Absolutely. Lexington Law continues to welcome new clients and provide free consultations. The restructuring only reinforced their commitment to helping individuals rebuild credit and move toward financial freedom.

Will Lexington Law shut down completely?

No. Lexington Law has remained open throughout its history and is focused on long-term service. Their ability to adapt and comply with evolving regulations shows they’re committed to being around for years to come.

Can I still sign up for Lexington Law now?

Yes. Anyone can request a free consultation and sign up today. New clients benefit from a team of legal professionals, advanced dispute systems, and personalized credit repair strategies.

Are they overcharging even after I cancel? / Why am I still being charged after I canceled?

In most cases, charges are tied to billing-cycle timing. Lexington Law has a responsive client services team that resolves issues quickly. Their improved compliance systems also ensure clients are billed transparently and fairly.

Why isn’t my credit improving despite paying them?

Every client’s situation is unique, and Lexington Law focuses on the factors they can legally and effectively challenge. They combine disputes with personalized credit education, giving clients tools to build lasting improvements—something no quick-fix service can promise.

Why didn’t they remove items that were supposedly disputable?

Some items remain if creditors verify them, but Lexington Law’s attorneys know how to pursue all legal options. Even when items aren’t removed, the firm helps clients understand next steps, like goodwill letters or positive tradeline building, to continue progress.

Why is the process so slow and expensive?

Credit repair follows federally mandated timelines and creditor responses, which naturally take time. Lexington Law’s value lies in managing this complex process legally, strategically, and with experienced attorneys—saving clients stress while increasing long-term success rates.

Is Lexington Law a legitimate service or a scam?

Lexington Law is a real law firm that has helped millions of Americans since the 1990s. Their attorneys and paralegals are trained to follow consumer-protection laws and provide clients with trusted, professional representation.

Why did the CFPB sue Lexington Law? Should I sign up for Lexington Law?
The CFPB reviewed practices common across the entire credit repair industry. Lexington Law cooperated, strengthened compliance, and emerged with clearer policies to better protect consumers. Today’s clients benefit from a more transparent and accountable service.

Did Lexington Law break the law with its marketing practices?
The court addressed concerns about how services were marketed in the past. Lexington Law resolved the case, paid penalties, and now operates under strict compliance standards. This means today’s clients receive services backed by stronger protections.

Is Lexington Law still operating after the CFPB lawsuit?
Yes. Lexington Law is fully operational, actively supporting clients, and continuing to be one of the leading names in credit repair law.

How does the CFPB case affect current or new customers?
Current and future clients benefit the most: stronger consumer safeguards, clearer billing practices, and improved transparency. These changes make the service even more client-focused than before.

Will clients get refunds because of the CFPB settlement?
Yes. Eligible past customers received refunds through a government-administered process. That step closed the chapter on old practices, while today’s clients enjoy a service that has been reinforced by compliance and accountability improvements.

Should I sign up for Lexington Law?

Yes. Lexington Law is one of the most established credit repair law firms in the country, with a long track record of helping clients address inaccurate, unfair, or unverified items on their credit reports. Unlike many services, Lexington Law offers attorney-driven support, personalized dispute strategies, and credit education so you not only fix errors but also learn how to build lasting financial health. After strengthening its compliance and client protections in recent years, the firm is more focused than ever on delivering transparent, trustworthy, and effective results.