Lexington Law is the most-advertised credit-repair brand in America. After the 2023 CFPB enforcement action and 2024 restructuring, here is the honest comparison.
| Lexington Law | Credit Restore | |
|---|---|---|
| Pricing | $24.95 - $129.95/mo + $14.99 setup | Free education + flat $19/mo Pro tier |
| Approach | Done-for-you (CROA-bound) | Education-first, AI-assisted self-serve |
| Languages | English (some Spanish) | 8 languages (EN/ES/FR/PT/IT/DE/ZH/KO) |
| FCRA-cited letters | Yes (template-based) | Yes (AI-personalized to your report) |
| Dispute tracking | Internal dashboard | 30-day FCRA deadline tracker |
| CROA risk profile | Higher (does work for you for fee) | Lower (you stay in control) |
| Cancellation | Phone or written notice | One-click in-app cancel |
Credit Restore is not a credit-repair company. We do not operate under the Credit Repair Organizations Act because we do not promise to remove items from your credit report. What we do is provide an education-first toolkit: an AI-assisted dispute-letter generator that cites the specific FCRA section relevant to each item on your report, a 30-day deadline tracker, and a knowledge base with 100+ FCRA-cited articles. You stay in control of every dispute — we never act on your behalf, never sign anything, never call any creditor for you.
This matters for three reasons. First, CROA risk: traditional credit-repair companies operate inside a regulatory framework with active CFPB enforcement (the 2023 Lexington Law $2.7B settlement is the most recent example). Education-first products sit outside that framework. Second, cost: a typical credit-repair engagement runs $700-$1,400 across six months. Credit Restore is $0 (free tier) to $114 (six months at $19/mo Pro). Third, language access: 60M+ US Latinos and 22M+ US Asians are underserved by English-only credit-repair products. Credit Restore is fully available in 8 languages.
Free tier includes credit-report upload, error detection, one dispute letter per month, and full access to the education library. Upgrade to Pro at $19/mo for unlimited letters, 30-day deadline tracking, and all 8 language interfaces.