This site vs. Lexington Law
Lexington Law is a law firm service that disputes on your behalf for $139.95 a month, the price checked in November 2026. Paying for done-for-you help is legal, and some people prefer it. What the fee cannot buy is a different law: the firm disputes under the same FCRA, faces the same rule that accurate negative information stays, and can offer no removal guarantee an honest service would stand behind.
| This site | The alternative | |
|---|---|---|
| Cost | Free | $139.95 a month, for as many months as the service runs |
| Who files the disputes | You do | The firm files for you |
| The law applied | FCRA Sections 605, 611, and 605B, explained on this site | The same FCRA |
| Accurate negative information | Stays, whoever disputes it; this site says so plainly | Stays; no service can lawfully remove accurate information early |
| How long monthly billing runs | There is no billing | Until you cancel, which can mean many months of fees |
When the alternative fits better
Choose Lexington Law if you have the budget, you do not want to touch paperwork at all, and you accept the monthly meter. Choose this site if you can spend a few evenings with your reports: it is the same disputes, the same letters, and the same clocks, at no cost.
Prices and plan details were checked in November 2026 against each provider’s public materials and change over time. Confirm current terms on the provider’s own site before you buy anything.
Common questions
- Can a law firm remove things I cannot?
- No. A bureau must correct or delete information that is inaccurate, incomplete, or unverifiable, whoever sends the dispute. Accurate, verified information remains for the reporting period either way.
- How much does a typical cleanup cost there?
- At $139.95 a month, six months is $839.70. Timelines vary by case, and the monthly charge runs regardless of how any single dispute comes out.
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