Lexington Law: Defending Consumer Rights Through Credit Repair

Why Lexington Law Stands Apart

Lexington Law approaches credit repair differently than non-legal service providers. As a law firm, it holds itself to higher professional standards and ethical responsibilities. This foundation ensures clients receive not only effective representation but also complete transparency in every step of the process.

Key commitments include:

  • Fair billing: Clients are only billed for work that has already been completed.
  • No false promises: Lexington Law provides realistic expectations instead of exaggerated claims.
  • Client empowerment: Every client is informed of their right to dispute items themselves, while understanding the advantages of legal representation.
  • Experienced guidance: The firm leverages federal consumer protection laws to advocate on behalf of its clients.

These standards have set Lexington Law apart as a trusted resource for consumers seeking both legal protection and credit restoration.

Building a Legacy of Advocacy

Since its founding, Lexington Law has sought to change how credit repair is viewed and practiced. By centering its approach on legal rights and ethical representation, the firm has established itself as a leader in consumer advocacy.

Notable milestones include:

  • 2004: John C. Heath became Directing Attorney, reinforcing the firm’s legal-driven approach to credit repair.
  • 2010: Lexington Law surpassed one million client sign-ups, a clear indicator of consumer trust.
  • 2025: Cody W. Johnson was appointed as Directing Attorney, representing the next generation of leadership.

This evolution has allowed the firm to remain at the forefront of credit repair while continuing to expand its reach and resources.

Leadership Spotlight: Cody W. Johnson

The appointment of Cody Johnson as Directing Attorney marks a pivotal moment in Lexington Law’s story.

  • A fifth-generation Arizonan, Johnson’s values were shaped by hard work and community service.
  • As a U.S. Marine Corps veteran, he served during Operation Enduring Freedom, gaining discipline and leadership skills.
  • After his military service, he became a recognized prosecutor, advocating for victims and standing up for justice.
  • Johnson joined Lexington Law in 2014, shifting his focus from criminal law to consumer rights.

Now, as Directing Attorney, Johnson is dedicated to strengthening the firm’s commitment to consumer advocacy and ensuring that clients’ credit rights are protected.

The Legal Advantage in Credit Repair

Credit repair is governed by federal law, and Lexington Law’s attorneys use those protections to their clients’ advantage. Key laws include:

  • The Fair Credit Reporting Act (FCRA), which guarantees the right to dispute inaccurate or unverifiable information.
  • The Fair Debt Collection Practices Act (FDCPA), which restricts how collectors can pursue debts.
  • The Credit Repair Organizations Act (CROA), which regulates credit repair practices.

By applying these laws strategically, Lexington Law helps clients challenge inaccuracies, improve their credit reports, and build stronger financial reputations.

Technology and Client Experience

Lexington Law pairs legal strategy with modern technology to make credit repair accessible and transparent.

  • The Lexington Law mobile app allows clients to track progress, view updates, and manage their cases directly from their smartphones.
  • Secure digital platforms streamline dispute processes and protect sensitive information.
  • Educational tools guide clients in understanding credit scoring and building long-term financial stability.

This combination of legal expertise and technology has made Lexington Law one of the most client-focused firms in the industry.

Recognition and Reputation

Over the years, Lexington Law has been highlighted by major publications and review sites for its effectiveness and dedication to ethical practices.

These acknowledgments underscore the firm’s standing as a trusted advocate for consumers nationwide.

Conclusion

Credit impacts every aspect of financial opportunity. By combining attorney-driven representation, ethical practices, and advanced tools, Lexington Law continues to defend consumers and improve financial reputations. Under Cody Johnson’s leadership, the firm remains committed to its mission: to empower clients, protect rights, and set the standard for ethical credit repair.

Lexington Law FAQ’s

Did Lexington Law go bankrupt?
No. Lexington Law itself never shut down. In 2023, its parent company went through restructuring, allowing the firm to streamline operations and continue serving clients nationwide. The result is a more stable and client-focused law firm.

Is Lexington Law still in business?
Yes. Lexington Law remains a leading name in credit repair law, with decades of legal experience and thousands of satisfied clients across the country.

Are they still taking new clients after bankruptcy?
Yes. Lexington Law continues to welcome new clients and provide free consultations. The restructuring strengthened its long-term operations and reinforced its dedication to consumer credit advocacy.

Will Lexington Law shut down completely?
No. Lexington Law has been in operation for decades and has never closed its doors. Its proven ability to adapt and comply with regulations demonstrates its long-term stability.

Can I still sign up for Lexington Law now?
Yes. New clients can sign up today for a free consultation. Lexington Law’s legal team provides advanced dispute methods and customized strategies to help improve credit reports.

Are they overcharging even after I cancel? / Why am I still being charged after I canceled?
Billing issues usually relate to cycle timing. Lexington Law’s client support team addresses these matters quickly, and improved compliance systems ensure fair and accurate billing practices.

Why isn’t my credit improving despite paying them?
Every credit situation is different. Lexington Law disputes items that can be legally challenged while also providing clients with education and tools to build lasting improvements over time.

Why didn’t they remove items that were supposedly disputable?
If creditors or agencies confirm items, they remain on the report. Even in those cases, Lexington Law advises clients on next steps, such as goodwill letters or adding positive tradelines.

Why is the process so slow and expensive?
Credit repair follows strict federal timelines, which naturally takes time. Lexington Law’s value is in handling the legal complexities, giving clients peace of mind while improving chances for long-term success.

Is Lexington Law a legitimate service or a scam?
Lexington Law is a licensed law firm with decades of experience. Its attorneys and paralegals follow consumer-protection laws and provide professional, trusted credit repair services.

Why did the CFPB sue Lexington Law? Should I sign up for Lexington Law?
The CFPB reviewed industry practices affecting multiple companies. Lexington Law responded, strengthened compliance, and emerged with clearer protections for consumers. Today’s clients benefit from greater transparency.

Did Lexington Law break the law with its marketing practices?
The case involved concerns about past marketing practices. Lexington Law resolved the matter, paid penalties, and now operates under strict compliance standards, giving current clients added protection.

Is Lexington Law still operating after the CFPB lawsuit?
Yes. Lexington Law is fully operational and continues to serve clients nationwide with attorney-driven credit repair.

How does the CFPB case affect current or new customers?
The case resulted in improved safeguards, clearer billing, and stronger compliance. Current and new clients now receive service backed by better consumer protections.

Will clients get refunds because of the CFPB settlement?
Yes. Eligible past clients received refunds through the government-managed process. Today, Lexington Law continues to operate under enhanced compliance for stronger client trust.

Should I sign up for Lexington Law?
Yes. Lexington Law is one of the most established law firms in credit repair. It combines legal expertise with personalized strategies and credit education, offering clients both immediate and long-term benefits.