How to cancel Lexington Law and stop credit repair charges in the philippines

What Lexington Law is and why you might want to cancel

Lexington Law is a credit repair subscription service that helps you challenge inaccurate negative items on your credit report through ongoing monthly plans. The company operates on a month-to-month billing model, not a locked contract, which means you can cancel at any time, but the process requires deliberate action and careful documentation to avoid surprise charges. At Yafee, we have helped thousands of consumers navigate subscription cancellations across finance and insurance services, and Lexington Law frequently requires specific written procedures to ensure charges truly stop.

How Lexington Law works

Lexington Law sells five main monthly plans ranging from ₱3,387 to ₱7,342 per month. Each plan includes dispute assistance, credit monitoring, and ongoing support for your credit file challenges. The company bills you monthly for work they complete during the service period, not in advance. This means a final invoice may arrive after you cancel, reflecting any disputes filed or work completed since your last payment date. For you in the Philippines paying from a Philippine credit card, debit card, GCash-linked account, or Maya card, this billing structure often creates confusion about whether charges have truly stopped.

Why cancelling from the philippines is harder

Lexington Law's headquarters sit in Provo, Utah, and the company operates support during Mountain Standard Time (MST) business hours only, Monday to Friday, 7am to 4pm MST, with weekends and holidays closed. For you in Manila or anywhere in the Philippines, this creates a significant time zone gap. When you need help verifying your cancellation or disputing a continued charge, live support may not be available during your working hours.

Additionally, the company does not clearly advertise Philippine peso pricing or support for local payment methods, which means you always see US dollar amounts and must estimate the conversion cost. Local dispute resolution through your card issuer or bank is possible under Bangko Sentral ng Pilipinas (BSP) rules, but it requires documented proof that you cancelled and that charges continued after your request.

Your consumer rights when cancelling Lexington Law

The Consumer Act of the Philippines (Republic Act No. 7394) protects your right to cancel subscriptions and demand refunds for services not rendered. Lexington Law must honour your cancellation request without hidden penalties, and you have the right to dispute continued charges under Philippine consumer law.

What the consumer act of the philippines says

Under the Consumer Act of the Philippines, you have the right to cancel any ongoing service subscription without undue delay or hidden fees. If Lexington Law continues to bill you after you cancel, that billing is considered a violation of your consumer rights under Republic Act No. 7394, and you can dispute it through your card issuer or bank.

Most Philippine credit cards and banks allow you to dispute a charge within 60 days from the statement date. Document your cancellation request, save the confirmation email or screenshot, and report the continued charge immediately if it appears. The burden of proof then shifts to Lexington Law to justify the charge.

Your legal position

Under Philippine consumer law, you are entitled to cancel your Lexington Law subscription at any time without penalty. The company must provide a clear, documented cancellation method and must stop all charges within one billing cycle of your written request. If Lexington Law continues to charge you after you have cancelled and documented your cancellation, you can dispute those charges through your bank or credit card company's chargeback process. You can also escalate the matter to the National Bureau of Consumer Protection under the Department of Trade and Industry (DTI) if the company refuses to refund unauthorised charges.

When to escalate to consumer authorities

If Lexington Law refuses to stop billing you after you cancel, you can file a complaint with the National Bureau of Consumer Protection under the Department of Trade and Industry (DTI). You can also escalate through your bank's dispute department or credit card company's chargeback process. Keep all cancellation confirmations, final invoices, and screenshots of your account status in a single folder before you contact authorities, as this speeds up the complaint process significantly.

Pricing breakdown and plan comparison

Understanding what you pay each month and what each plan includes helps you decide whether to cancel or downgrade to a lower-cost tier.

If you are paying more than ₱3,387 per month and your credit situation has improved, cancellation may be the right choice. Alternatively, you can contact Lexington Law to request a downgrade to a lower-cost plan without cancelling entirely, although downgrading also requires written documentation at Yafee, we recommend this approach for users unsure about full cancellation.

How to cancel Lexington Law step by step

Cancelling Lexington Law requires you to follow a specific written process to ensure the company stops billing you and provides final documentation of your termination date.

Gather your account information before you start

Before you contact Lexington Law, collect the following details:

• Your full name and date of birth as registered with Lexington Law
• Your account number (visible on your invoice or account dashboard)
• Your current billing address and email address
• Your last payment date and amount
• Screenshots of your account status and any recent billing

Having this information ready ensures Lexington Law can locate your account quickly and process your cancellation without delays.

Submit a written cancellation request via mail

The primary verified method to cancel Lexington Law is to submit a written Termination Form or written notice to the company's cancellation address. Follow these steps:

1. Draft your cancellation letter in plain English, including your name, account number, and a clear statement: "I hereby request cancellation of my Lexington Law account effective immediately. Please stop all charges and provide written confirmation of my termination date and final invoice."
2. Print and sign the letter with your full signature, or sign electronically if Lexington Law accepts digital signatures via email.
3. Mail your request to Lexington Law's cancellation address (see below for contact details). Use registered mail or courier with signature confirmation so you have proof of delivery.
4. Keep your proof of delivery (receipt, tracking number, or email read confirmation if sent digitally) for your records and any future disputes.

Lexington Law typically requires 5 to 10 business days to process a cancellation request after receiving it. Once processed, the company will send you a termination confirmation email and final invoice if any charges remain for work completed before your cancellation date.

Request cancellation by phone if you are an existing client

Lexington Law may allow phone cancellation for current clients, although this method is less verifiable than written cancellation. If you choose to cancel by phone, follow these steps:

1. Call Lexington Law customer service during Mountain Standard Time (MST) business hours: Monday to Friday, 7am to 4pm MST. This converts to 10pm to 7am Philippines Standard Time (PST), which is outside most working hours in the Philippines.
2. Have your account details ready when you call, including your account number and date of birth for verification.
3. Request a cancellation confirmation email after you have spoken to the representative and confirmed your termination date. Ask the representative to email you a written acknowledgement of your cancellation request immediately.
4. Save the confirmation email with the representative's name, date, time, and termination date clearly stated.

Phone cancellation is faster but relies on your ability to reach Lexington Law during a time zone that is inconvenient for Philippines-based callers. At Yafee, we recommend combining phone cancellation with a follow-up written cancellation letter to create a paper trail.

Confirm your cancellation in writing after phone contact

If you cancel by phone, you must send a written confirmation letter to Lexington Law within 24 hours of your phone cancellation. This letter should reference the phone call date, the representative's name, and your agreed cancellation date. Send it via registered mail or email to reinforce your cancellation request and protect yourself if the company claims it never received your phone cancellation.

What happens after you cancel

Cancelling Lexington Law does not mean all charges stop immediately; you need to understand the final billing cycle and how to verify that charges have truly ended.

Expect a final invoice after cancellation

Lexington Law bills monthly in arrears, which means you may receive a final invoice 5 to 15 days after your cancellation date. This invoice reflects disputes filed or work completed before your cancellation effective date. Review this invoice carefully and compare it to your previous statements. If the charges are for work completed before your cancellation date, you may owe them under the terms of service. However, if the invoice includes charges dated after your cancellation confirmation, dispute it immediately with your bank or card issuer.

Monitor your bank or card statements for 60 days

Watch your next two to three bank or credit card statements for any recurring charges from Lexington Law or related entities. Some payment processors use hidden merchant codes or subsidiary names that may not be immediately recognisable. If you see a charge you do not recognise, contact your bank's dispute department within 60 days of the charge appearing on your statement. The bank will require you to provide your cancellation confirmation email or letter as proof that you requested termination.

Keep all documentation for at least one year

Retain copies of your cancellation request, confirmation email, final invoice, and bank statements for at least 12 months. If Lexington Law or a debt collector later claims you still owe a balance, you will have the documentation to prove you cancelled and paid any final legitimate charges. At Yafee, we have seen cases where users were contacted months after cancellation for phantom charges; documentation prevents these disputes from becoming serious credit issues.

Refund eligibility and how to claim one

You may be entitled to a refund if Lexington Law did not deliver the services you paid for or if you cancelled within a specific window after signing up.

When you qualify for a refund

Under the Consumer Act of the Philippines, you can request a refund if:

• You cancelled within 30 days of your first charge and received minimal service;
• Lexington Law failed to dispute inaccurate items on your credit report despite billing you for that service;
• The company continued to charge you after you cancelled in writing;
• You were charged for services that were not delivered or were substantially different from what was advertised.

How to request a refund

Follow these steps to request a refund from Lexington Law:

1. Contact Lexington Law's customer service by phone or email and explain why you believe you are entitled to a refund. Reference specific dates, charges, and promised services that were not delivered.
2. Submit a written refund request via registered mail to Lexington Law's mailing address, including copies of your invoice, cancellation confirmation, and any evidence that the company failed to deliver services (for example, screenshots showing no disputes were filed on your behalf).
3. If Lexington Law denies your refund request, file a chargeback with your bank or credit card company. Provide the bank with your written cancellation confirmation and evidence that you requested a refund and were refused.
4. Escalate to the DTI if your bank's chargeback dispute is unsuccessful. File a formal complaint with the National Bureau of Consumer Protection, providing all documentation of your cancellation and refund request.

Refund timelines vary; if Lexington Law approves your refund, expect payment within 10 to 30 business days via your original payment method.

Common mistakes to avoid when cancelling

Most cancellation problems arise from incomplete documentation or misunderstanding the company's billing timeline; by following a few key precautions, you can avoid these pitfalls entirely.

Do not rely on phone calls alone

Cancelling by phone feels immediate and convenient, but Lexington Law has no obligation to honour a phone cancellation if you have no written confirmation. The company can claim the representative made an error or that your call was not recorded. Always follow a phone cancellation with a written letter via registered mail within 24 hours.

Do not assume silence means cancellation is complete

If you do not receive a cancellation confirmation email or letter within 10 business days of submitting your written request, contact Lexington Law again and ask for proof that your cancellation was processed. Do not assume the company received your mail; follow up actively.

Do not ignore the final invoice

Many users cancel and then ignore the final invoice that arrives days later, believing it is a mistake or unwanted charge. Review every final invoice line by line. If charges are for work completed before your cancellation date, they are typically legitimate and must be paid. However, if any charge is dated after your cancellation confirmation date, dispute it with your bank immediately.

Do not wait to dispute continued charges

Your bank or credit card company allows you to dispute a charge up to 60 days after it appears on your statement. Do not wait longer than this window, as your dispute may be rejected as out of time. Report continued charges to your bank within 48 hours of noticing them on your statement.

Lexington Law cancellation checklist

Use this checklist to ensure you have completed every step required to cancel Lexington Law and protect yourself from future charges.

Should you cancel, downgrade, or pause your Lexington Law subscription

Before you cancel outright, consider whether downgrading or pausing your subscription might better suit your situation.

Cancel if

• You have addressed the negative items on your credit report and no longer need dispute assistance;
• You cannot afford the monthly fee and cannot downgrade to a lower plan;
• Lexington Law has not filed disputes or monitored your credit as promised;
• You believe you can manage your credit repair independently or with a different service.

Downgrade if

• You need ongoing credit monitoring but not priority dispute filing;
• You want to maintain some service at a lower monthly cost;
• You are unsure whether cancellation is permanent and want a trial period at lower cost.

Pause if

• Lexington Law offers a temporary pause or suspension option (not all companies do);
• You need a break due to temporary financial hardship but plan to resume later.

Contact Lexington Law's customer service to ask about downgrade or pause options before you submit a full cancellation request. At Yafee, we have seen users downgrade successfully and save money without losing all credit monitoring services.

Contacting Lexington Law and escalation contacts

Use these addresses and methods to cancel Lexington Law or escalate your complaint if the company refuses to stop charges.

Lexington Law mailing address for cancellation

Send your written cancellation request to:

Lexington Law
Cancellation Department
130 E 200 S
Provo, UT 84601
United States

Use registered mail or an international courier service (such as DHL, FedEx, or UPS) with signature confirmation so you have proof that Lexington Law received your request. Standard airmail from the Philippines typically takes 10 to 21 days; factor this into your timeline.

Lexington Law customer service phone number

Phone: Available Monday to Friday, 7am to 4pm MST (10pm to 7am PST). Note that this time zone makes live phone support difficult for Philippines-based users; email or written mail are more practical options.

Escalation contacts if Lexington Law refuses to stop charging

National Bureau of Consumer Protection (NBCP)
Department of Trade and Industry (DTI)
Telephone: +63 2 8334-6061
Website: consumercare.dti.gov.ph

File a complaint if Lexington Law refuses to process your cancellation or continues to charge you after you have cancelled in writing. Provide the DTI with copies of your cancellation request, confirmation email, proof of mailing, and evidence of any continued charges.

Your bank's dispute resolution department or credit card company chargeback process

Contact your issuing bank or card company within 60 days of any unauthorised charge and provide proof of your written cancellation request. The bank will reverse the charge and pursue Lexington Law for reimbursement.

Summary and next steps

Cancelling Lexington Law requires documented written notice, active follow-up, and vigilant monitoring of your bank statements. The company operates on monthly billing in arrears, which means you must expect a final invoice after your cancellation date. You have consumer protections under the Consumer Act of the Philippines that require Lexington Law to honour your cancellation request and stop charges within one billing cycle of your written request. If the company refuses, you can dispute charges through your bank's chargeback process or escalate to the National Bureau of Consumer Protection.

At Yafee, we have helped thousands of consumers cancel subscription services across finance and insurance categories, and we understand the frustration of complex billing and time zone barriers. Document every step of your cancellation journey, keep all confirmations and invoices, and do not hesitate to dispute any charge that appears after your cancellation confirmation date. Your legal right to cancel is clear under Philippine consumer law; the key is ensuring you follow the process correctly and retain proof of your actions.