Source-backed comparison · Researched July 15, 2026
DearBureau vs Lexington Law
Lexington Law is an attorney-supported credit-repair service that communicates with bureaus and furnishers on a client's behalf. DearBureau helps you inspect your own report, organize the facts, approve every letter, and track what happens next—starting with a free findings preview.
$39/month when you continue · Nothing is mailed without your approval
DearBureau wrote this comparison and has a commercial interest in your choice. It is not affiliated with Lexington Law, receives no payment for linking to it, and uses provider-owned and government sources listed below. Names and trademarks belong to their respective owners.
The short answer
Choose control or delegation.
DearBureau is the stronger fit when you want a lower base price and direct control of every fact and letter. Lexington Law is the stronger fit when attorney-supported, done-for-you work matters more than seeing and directing the process yourself.
Choose DearBureau
See and direct the work.
You want to see findings before paying, work from your own evidence, approve every letter, and keep the paper trail for $39 per month when you continue.
Choose Lexington Law
Delegate the work.
You want attorneys and paralegals supporting bureau and furnisher communications, plus score updates and account monitoring, and accept the higher service price.
Neither choice can make accurate, current negative information disappear legally. Neither can promise a score increase or a particular result.
Side by side
What changes when you choose the software.
Provider terms can change. Each numbered link opens the source behind the changing fact.
| Decision point | DearBureau | Lexington Law |
|---|---|---|
| Service model | Self-directed consumer-rights software. You remain the sender. | Attorney-supported credit-repair service acting for an enrolled client. [1][3] |
| Comparable advertised price | $39/month after the free findings preview. | $139.95 per month for the publicly advertised standard service. [1][2] |
| Initial or first-work fee | No initial fee. No card is required for the findings preview. | Setup is $0; the first invoice follows completed work, generally 5–15 days after enrollment. [2] |
| Free starting point | Import a supported report and preview findings before deciding whether to pay. | A free credit consultation or assessment before enrollment. [3] |
| Who handles correspondence | You inspect the facts, edit every letter, and approve, mail, or skip it. | The firm sends challenges and other communications for the client. [3] |
| Reports, scores, and extras | Bring an IdentityIQ or CreditHeroScore report, or a credit-report PDF. DearBureau is not a score-monitoring or identity-insurance product. | Monthly TransUnion FICO updates, score analysis, portal/app tracking, education, monitoring, and identity protection are advertised. [1][2] |
| Guarantee | No deletion, correction, score-increase, or timeline guarantee. | No service-result guarantee. [1] |
| Cancellation | Cancel before the next renewal; paid access continues through the current paid period. | Cancel anytime with no long-term contract; a final invoice commonly covers work completed since the prior bill. [1] |
See the findings first. Decide about the guided workspace second.
See my report findingsCost and control
The price difference reflects a different job.
A managed credit-repair fee pays another party to review and challenge report items on your behalf, often with monitoring or identity-protection extras. DearBureau does not sell that service. Its job is to make your own review workable.
DearBureau asks more of you than a done-for-you service. In return, you see the underlying work and decide when the facts support action—and when they do not. Optional printing and certified mailing costs $12.99 per item you approve.
Inside DearBureau
Four visible steps, with you at the desk.
The product organizes and drafts. You supply the facts and make every decision.
- 01
Bring in the report.
Connect IdentityIQ or CreditHeroScore, or upload a credit-report PDF you already have.
- 02
Inspect the findings.
See accounts, collections, inquiries, and personal details worth a closer look before a subscription is offered.
- 03
Build the record.
Answer guided questions, attach useful evidence, and edit every draft letter.
- 04
Approve and track.
Mail it yourself, choose optional certified mailing, or skip it. Keep delivery, replies, and deadlines with the item.
Before enrolling
Read the terms behind the headline price.
These are the details most likely to change the decision—not a feature-count score.
Billing follows completed work.
Lexington Law says setup costs $0 and that it invoices after work. Its detailed cost page places the first payment 5–15 days after enrollment, and cancellation can still produce a final invoice for later completed work.
There is no outcome guarantee.
The FAQ says credit repair is not guaranteed. Lexington also says valid debt can remain owed and that it disputes only listings a client identifies as inaccurate, untimely, misleading, incomplete, biased, or unverifiable.
Read the enforcement history precisely.
The CFPB says a federal court found the Lexington Law brand's named then-operators violated the Telemarketing Sales Rule's advance-fee prohibition. A 2023 order imposed judgments and a 10-year telemarketing ban on the named defendants; the current site identifies a different operating law firm.
Rights you already have
The right is yours. The result is not guaranteed.
The FTC says you can dispute mistakes in your credit reports yourself for free. Accurate, current negative information cannot legally be removed just because it hurts. A reporting company may also decline to investigate a dispute it considers frivolous, including repeated or formulaic requests.
Questions and limits
Before you choose.
How much does Lexington Law cost compared with DearBureau?
Lexington Law's current public FAQ advertises $139.95 per month. DearBureau's guided workspace is $39 per month after a free findings preview; the products do different jobs because Lexington performs a service and DearBureau keeps you in control. [1]
Does Lexington Law guarantee removals or a score increase?
No. Lexington Law's FAQ explicitly says credit repair cannot be guaranteed. DearBureau also makes no removal, correction, score, or timing promise. [1]
Is DearBureau a credit-repair company?
No. DearBureau is software for consumers reviewing their own reports and correspondence. It does not act on your behalf, provide legal advice, or promise removals, score gains, settlements, or a particular result.
What can I see before paying DearBureau?
You can create an account, import a supported report, and preview the findings without a card. A subscription unlocks guided questions, evidence, letter editing and approval, downloads, and deadline tracking.
Does DearBureau send disputes automatically?
No. You review every fact and every letter. You can edit, approve, download, mail, choose optional certified mailing, or stop. Nothing is mailed without your approval.
Research receipts
Sources checked July 15, 2026.
Prices, packages, and terms change. Confirm the current offer before you enroll.
- 01 Lexington LawFrequently asked questions
- 02 Lexington LawAdditional questions about costs
- 03 Lexington LawCredit-repair services and limitations
- 04 Consumer Financial Protection BureauPGX Holdings, Lexington Law, and CreditRepair.com enforcement action
- 05 Federal Trade CommissionSpot the scams when fixing your credit
- 06 Consumer Financial Protection BureauCredit counseling, debt settlement, consolidation, and credit repair
Start with the record
Start with the report, not a promise.
Import the report and see the findings free. Continue only if there is something worth checking.
Start free review No credit card for the findings preview · Reviewing your own report does not create a hard inquiry