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Cancellation service #1 in Canada
Lexington Law is a U.S.-based credit repair firm that offers subscription services to review, monitor, and dispute items on consumers’ credit reports. The firm advertises attorney-backed credit repair, monitoring, and identity-theft protection services on a monthly billing model and operates primarily from the United States.
Services typically include reviewing credit reports, submitting disputes to credit bureaus and creditors, and providing ongoing monitoring and identity-theft insurance depending on the plan.
When you cancel, Lexington Law states the account will be terminated and you should receive written confirmation. Access to services and any account portals may be restricted or closed according to their procedures. Billing should stop for future cycles, but Lexington Law may bill for work already completed between your last invoice and the cancellation date.
Data that Lexington Law holds about your account - such as dispute histories and communications - may be retained according to their record-retention policies; request a copy of your file if you want your own records before cancellation.
Lexington Law’s standard policy is that refunds are generally not offered after any initial short grace period. If you cancel within roughly five days of enrollment you may be eligible for a full refund, but after that window refunds are typically not granted. Instead, you may be charged for work already performed up to the cancellation date, and a final invoice may be processed on the regular billing date unless you request an immediate charge.
Separately, a small number of former clients have received refunds through legal settlements or class-action distributions for separate matters; those outcomes are exceptional and not part of Lexington Law’s routine refund policy.
| Plan | Price | Period | Features |
|---|---|---|---|
| Premium (single flat plan) | US$139.95/mo | Monthly | Credit repair services including disputes, creditor interventions, identity theft insurance, FICO updates, monitoring |
| Lex onTrack | US$24.95/mo (plus tax) | Monthly | Credit monitoring, credit report alerts, dispute of new negative items, identity theft insurance |
| Concord Standard | US$99.95/mo | Monthly | Basic bureau dispute and creditor interventions |
| Concord Premier | US$119.95/mo | Monthly | Everything in Standard plus InquiryAssist, ReportWatch alerts, TransUnion alerts |
| Premier Plus | US$139.95/mo | Monthly | Everything in Premier, plus cease and desist letters, FICO score tracking, identity theft protection |
Canadian consumers benefit from federal and provincial protections for online and subscription purchases. There is commonly a statutory “cooling-off” or cancellation right for digital subscription services that can extend up to 14 days depending on how the service was sold; however, if services are performed within that period (for example, credit-repair work begun immediately), the right to a full refund may be limited or prorated to reflect services already delivered.
If unwanted charges continue after cancellation, you can dispute them with your payment provider (credit card chargeback or bank dispute) and contact provincial consumer-protection authorities. You may also seek recourse through federal channels such as the Competition Bureau or other applicable regulators. Keep written records of cancellation requests and confirmations to support disputes.
Customer reviews are mixed. Some clients report that Lexington Law provides licensed-attorney oversight, useful monitoring, and structured dispute workflows that helped remove or clarify negative items. Positive reviews are in the minority but exist across review sites.
Many complaints center on billing problems - continued charges after cancellation, difficulty obtaining clear refunds, and unclear billing timing - and some customers report slow or limited credit improvements relative to expectations. A small number of former clients have obtained refunds via legal settlements unrelated to standard cancellations. These mixed experiences suggest documenting each step of cancellation and monitoring statements closely.
Common mistakes include relying only on verbal confirmation (not getting written confirmation), failing to revoke separate bank-draft authorizations, and assuming cancellation stops billing immediately rather than at the next cycle. For example, customers who cancel by email but do not save a confirmation sometimes see a subsequent charge and have difficulty proving they canceled. Another frequent error is not checking the fine print about a short initial refund window - if work was started within that period a full refund is unlikely.
| Method | Refund | Difficulty |
|---|---|---|
| Online account cancellation | Possible prorated final charge; full refund only within short initial window | Low to medium |
| Live chat / Phone | Same refund rules; request written confirmation to document request | Medium |
| Same refund rules; risk of slower response - get a read receipt or follow-up | Medium to high | |
| Registered mail (raccomandata A/R) | Same refund rules; strong proof-of-delivery if dispute arises | Low (strongest evidence for disputes) |
After you cancel, monitor your bank and card statements for at least two billing cycles to confirm no unauthorized charges recur. Keep all cancellation confirmations and delivery receipts; if you see charges after cancellation, contact Lexington Law first with your documentation, then your payment provider to dispute the charge if necessary.
Helpful resources: Lexington Law’s FAQ and support pages for specific account steps, and Canadian consumer protection resources for pursuing disputes or complaints. Useful links: Lexington Law FAQ, Competition Bureau (Canada), Government of Canada - Consumer protection, Financial Consumer Agency of Canada (FCAC), Better Business Bureau - Canada.
Send registered termination notices (recommended) to:
Lexington Law Firm, Attn: Cancellations, 360 N 700 E Ste A, Provo, UT 84606
Recommendation: send a printed termination form with your signature via registered mail (raccomandata A/R) and retain the delivery tracking/receipt as proof of your cancellation request.
Already sent a letter? Enter its tracking number to see its proof of dispatch and certified timestamp.
Written by Owen King
Digital-law graduate · 4 years experience
Graduate in digital law and passionate about secure written communication, I have been writing guides on certified mail and electronic registered delivery for 4 years.