With years of experience and a passion for helping clients achieve their financial goals, our team is committed to guiding you on your journey to credit recovery and financial success.
Reviewed By:
Ashley Davison
Ashley Davison
Editor
Ashley is currently the Chief Compliance Officer for Credit Saint, previously the Chief Operating Officer. Ashley got into the Financial world by working as a Logistics Coordinator at Ernst & Young. Coming from a previous career in education, she is eager to teach the world every...
Credit Saint and Lexington Law are two of the names that come up most often in credit repair research.
Here is a factual look at how each company is structured, what each one offers, and what the public regulatory record shows.
Both Credit Saint and Lexington Law operate in the credit repair industry, which is regulated under the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). Both companies review credit reports and pursue formal disputes for items that may be inaccurate or unverifiable. The differences between the two come down to corporate structure, service model, and public regulatory history. This guide presents the comparison factually, with sources, so you can make your own decision.
Key Takeaways
In August 2023, a federal court entered a $2.7 billion judgment against Lexington Law, CreditRepair.com, and their parent companies, and the CFPB later distributed $1.8 billion in consumer redress to roughly 4 million harmed consumers (CFPB, 2023).
Both companies operate under CROA and the FCRA, which prohibit upfront fees before services are performed and require a written contract with a three-business-day right to cancel.
The two services differ in corporate structure: Credit Saint is an independent credit repair company, while Lexington Law operated as a law firm within a network of related entities including PGX Holdings and Progrexion Marketing.
Credit Saint pursues credit report disputes by reviewing items, drafting challenges, and submitting them to the credit bureaus and data furnishers under FCRA procedures.
Credit Saint and Lexington Law have offered the same general type of service: review of credit reports from Equifax, Experian, and TransUnion, identification of items that may be inaccurate, unverifiable, or outdated, and pursuit of formal disputes with the credit bureaus and data furnishers on the consumer’s behalf.
Both companies operate within the same federal framework. The Fair Credit Reporting Act (FCRA) — the federal law governing how credit bureaus collect and report consumer data — gives consumers the right to dispute information that appears wrong, and credit bureaus are generally required to investigate disputes within 30 days. The Credit Repair Organizations Act (CROA) regulates the credit repair industry directly, prohibiting upfront fees before services are performed and requiring a three-business-day right to cancel.
The companies differ in how they reached scale. Credit Saint operates as an independent credit repair company with an in-house team. Lexington Law operated as a law firm — John C. Heath, Attorney-at-Law PC — within a network of related entities that included PGX Holdings and Progrexion Marketing, with much of its acquisition handled through telemarketing and affiliate channels.
The Public Regulatory Record
The most consequential factual difference between the two services is their public enforcement history. This section reports what the CFPB and the federal court record show.
In August 2023, the U.S. District Court for the District of Utah entered summary judgment against Lexington Law, CreditRepair.com, and their parent companies. The court found that the companies had violated the federal Telemarketing Sales Rule (TSR), which permits collection of fees for credit repair services only after consumers have been provided with documentation reflecting that the promised results were achieved. The court also found violations of the Consumer Financial Protection Act of 2010 related to deceptive marketing practices.
The final order imposed a $2.7 billion judgment for consumer redress, $64 million in civil penalties, and a 10-year ban on telemarketing credit repair services. Following the ruling, the companies filed for bankruptcy. Between December 5, 2024 and January 6, 2025, the CFPB distributed $1.8 billion in refunds to approximately 4 million eligible consumers who had paid for credit repair services from Lexington Law or CreditRepair.com between March 2016 and August 2023.
Credit Saint has no comparable enforcement action in the public record. The CFPB and FTC enforcement databases are publicly searchable, and consumers can verify the regulatory history of any credit repair company directly.
This is a factual record, not a marketing claim. Anyone evaluating credit repair services should review the primary sources directly: the CFPB’s Lexington Law case page documents the enforcement action and redress process.
Service Model Comparison
Within the legal framework that applies to both companies, the service approaches differ in structure.
Factor
Credit Saint
Lexington Law
Corporate structure
Independent credit repair company
Law firm within a network of related entities (PGX Holdings, Progrexion)
Service tiers
Tiered packages with different scopes of dispute work
Historically offered tiered packages
Primary acquisition channel
Direct enrollment
Telemarketing and affiliate networks (per CFPB findings)
90-day guarantee tied to negative items challenged
Historically did not offer comparable guarantee
Operating status
Active
Status depends on post-bankruptcy ownership; verify before enrolling
The Same Federal Laws Apply to Both
Both Credit Saint and Lexington Law have operated under the same federal consumer protection laws. The relevant frameworks are:
Fair Credit Reporting Act (FCRA). Establishes consumer rights to dispute inaccurate information and requires credit bureaus to investigate disputes, typically within 30 days. Sets the time limits for how long negative items may be reported — generally seven years for most negative items and ten years for bankruptcies.
Credit Repair Organizations Act (CROA). Regulates the credit repair industry. Prohibits charging consumers before services are performed, requires a written contract, and gives consumers three business days to cancel without penalty. Also prohibits making false promises about outcomes or advising consumers to misrepresent their identity.
Telemarketing Sales Rule (TSR). Limits how credit repair services can be marketed and sold by telephone. The TSR was at the center of the 2023 enforcement action against Lexington Law.
What differs between any two credit repair companies operating under these laws is execution and compliance history. The legal framework itself is uniform.
Verifying Any Credit Repair Company
Before signing up with any credit repair service — Credit Saint, Lexington Law, or any other — these are the questions worth answering, drawn directly from CROA’s compliance markers:
Is the company asking for upfront fees? CROA prohibits charging consumers before services are actually performed.
Is there a written contract with a three-day cancellation right? Federal law requires both.
Are the outcome promises realistic? No legitimate company can guarantee a specific score increase or promise to remove accurate, verified information.
Is the pricing and scope transparent? The contract should clearly state what each tier includes.
Does the company have any active enforcement actions? The CFPB and FTC enforcement databases are publicly searchable.
According to the CFPB’s 2024 Consumer Response Annual Report, complaints about incorrect information on credit reports increased 247% compared to the prior two-year monthly average (CFPB, 2025). The volume of credit-report errors gives consumers good reason to consider professional dispute help — and the same volume gives them good reason to verify which provider they choose.
Things No Credit Repair Company Can Do
Whichever service a consumer evaluates, the legal limits are the same. No credit repair company — regardless of marketing claims — can legally remove accurate, verified, and timely information from a credit report. Late payments that actually happened, valid collection accounts, and verified bankruptcies stay on the report for the timeframes set by federal law: typically up to seven years for most negative items, ten years for bankruptcies.
Any company that promises a specific score increase, claims it can remove accurate negative information, or sells a “new credit identity” is making claims that fall outside what CROA permits. That kind of claim was a central part of the conduct the CFPB cited in the 2023 Lexington Law action.
If you are weighing your options for credit repair, Credit Saint’s team can review your reports and walk you through what may be available for your specific situation. Get a free credit consultation with no commitment.
Frequently Asked Questions
In August 2023, a federal court found that Lexington Law and CreditRepair.com had violated the Telemarketing Sales Rule by collecting fees for credit repair services before promised results were achieved, and had engaged in deceptive marketing in violation of the Consumer Financial Protection Act. The order imposed a $2.7 billion judgment for redress, civil penalties, and a 10-year ban on telemarketing credit repair services. The companies filed for bankruptcy following the ruling.
Yes. Between December 5, 2024 and January 6, 2025, the CFPB distributed $1.8 billion to approximately 4 million eligible consumers who paid Lexington Law or CreditRepair.com for credit repair services between March 2016 and August 2023. Eligible consumers were identified through the companies’ records and did not need to take action to receive a check.
The companies filed for bankruptcy following the August 2023 court ruling. Anyone considering any service operating under the Lexington Law name today should verify current ownership, fee structure, and contract terms in writing before enrolling, and check the CFPB and FTC enforcement databases for any active proceedings.
Both have operated under the Fair Credit Reporting Act (FCRA), which governs credit bureau practices and consumer dispute rights; the Credit Repair Organizations Act (CROA), which regulates the credit repair industry directly; and the Telemarketing Sales Rule (TSR), which limits how credit repair services can be marketed by telephone.
Search the CFPB enforcement database at consumerfinance.gov and the FTC enforcement database at ftc.gov for any active or recent actions. Confirm the company does not require upfront fees, provides a written contract with a three-business-day right to cancel, and does not promise specific score outcomes — all baseline CROA requirements.
Considering credit repair? Credit Saint’s team can review your specific situation at no cost. Start with a free consultation to find out what options may be available.
Reviewed By:
Ashley Davison
Editor
Ashley is currently the Chief Compliance Officer for Credit Saint, previously the Chief Operating Officer. Ashley got into the Financial world by working as a Logistics Coordinator at Ernst & Young. Coming from a previous career in education, she is eager to teach the world everything she knows and learn everything that she doesn’t! Ashley is a FICO® certified professional, a Board Certified Credit Consultant, a Certified Credit Score Consultant with the Credit Consultants Association of America, UDAAP certified, and holds a Fair Credit Reporting Act (FCRA) Compliance Certificate.
