CreditRepair.com Shut Down Too: The Full Progrexion Story

Most coverage of the 2023 Progrexion collapse focused on Lexington Law — the brand was more prominent, the attorneys gave it credibility, and the $2.7 billion CFPB judgment made it a landmark enforcement story. What received less attention was that CreditRepair.com, a separate Progrexion entity serving millions of its own clients, shut down on the same day, under the same judgment, for the same reasons.

If you were a CreditRepair.com client and you haven't restarted your dispute process, your credit file is likely in worse shape than it needs to be. This post explains exactly what CreditRepair.com was, how it differed from Lexington Law, what the CFPB found, and what former clients should do in 2026.

What Progrexion Was: One Company, Two Brands

Progrexion Marketing, Inc. was a Utah-based holding company that operated multiple consumer-facing credit repair brands. The two primary brands were Lexington Law Firm and CreditRepair.com. They were not competitors — they were sibling operations run by the same parent company, sharing infrastructure, marketing systems, and corporate leadership.

The strategic logic behind running two brands was straightforward: Lexington Law targeted consumers who wanted the implied credibility of an attorney-backed service and were willing to pay a premium for it. CreditRepair.com targeted a more price-sensitive segment — consumers who wanted help disputing their credit reports but weren't looking to pay attorney-tier monthly fees.

The core service delivery was nearly identical across both brands. Both sent dispute letters to Equifax, Experian, and TransUnion on behalf of clients. Both tracked bureau responses. Both escalated disputes when bureaus verified negative items. The difference was branding, price point, and whether an attorney's name appeared on the correspondence.

What the CFPB Alleged — and Why Both Brands Were Included

The Consumer Financial Protection Bureau's March 2023 complaint named Progrexion Marketing as the primary defendant, along with its associated entities — including both Lexington Law Firm and CreditRepair.com LLC. The core allegation was the same for both brands: they violated the Credit Repair Organizations Act (CROA) by charging fees before services were fully performed, in violation of 15 U.S.C. § 1679b(b).

The CFPB's complaint described the specific mechanics of the violation in detail. When a consumer enrolled in either service, they were charged a "first work fee" before any dispute letter was sent. They were then charged monthly fees at the start of each service month, before the bureau investigations for that period were initiated, conducted, or completed. The Bureau argued this pattern — which had continued for years across both brands — constituted a systematic violation of CROA's advance-fee prohibition.

The complaint also alleged violations of the Telemarketing Sales Rule (TSR), specifically its provision prohibiting the collection of fees from customers who had been referred by an entity that promised credit repair services before those services were delivered. Progrexion used telemarketing extensively to acquire clients for both brands, and the TSR violations compounded the CROA exposure.

Timeline: How the Collapse Unfolded

How CreditRepair.com Differed From Lexington Law in Practice

The two services were not identical despite sharing corporate ownership. Understanding the differences matters if you were a CreditRepair.com client specifically and are trying to assess what was done on your account.

No attorneys: CreditRepair.com dispute letters did not carry attorney signatures. Lexington Law letters were sent under the signature of licensed attorneys, which some creditors and bureaus treated as carrying more weight. CreditRepair.com letters were sent by paralegals and staff representatives. Whether this made a practical difference in dispute outcomes is not consistently documented, but the absence of attorney representation was a genuine product difference.

Lower price, same billing problem: CreditRepair.com positioned itself as the accessible option. The $14.99 first-work fee and monthly fees of $69–$119 were lower than Lexington Law's rates. But the billing structure was identical — same first-work fee at enrollment, same monthly billing at the start of each service period, same CROA exposure.

Heavier telemarketing acquisition: The CFPB's TSR allegations were partly directed at CreditRepair.com's telemarketing practices. The brand was more aggressively marketed through telephone sales channels, and the TSR's advance-fee prohibition for telemarketed services added a separate layer of legal exposure beyond CROA alone.

Shared infrastructure: Despite the separate branding, CreditRepair.com and Lexington Law shared back-end systems for case management, bureau correspondence tracking, and client account management. When Progrexion filed for bankruptcy, both systems went dark simultaneously. There was no independent continuity plan for CreditRepair.com clients that was different from the one for Lexington Law clients — which is to say, there was no continuity plan at all.

What Happened to Former CreditRepair.com Clients

If you were an active CreditRepair.com client in mid-2023, the following specific things happened to your account:

All dispute activity stopped. Whatever was pending — bureau investigations, follow-up letters, Method of Verification requests — did not proceed. The operational staff was gone. The systems were no longer functioning. Your disputes were in whatever state they were in on the day the bankruptcy was filed, and they stayed there.

You received no case summary. CreditRepair.com clients were not provided with a document showing which items had been successfully removed, which were pending, and which had never been sent. If you weren't tracking your own reports independently, you have no reliable record of what the service did on your behalf.

Removed items may have been reinserted. Under 15 U.S.C. § 1681i(a)(5)(B), a bureau can reinsert a previously deleted item if the data furnisher certifies the information is accurate. Without ongoing monitoring and active dispute activity on your account, any items that had been removed during your CreditRepair.com service were vulnerable to reinsertion, and you would have received the required reinsertion notice only if the bureau had a current address on file for you.

What CreditRepair.com Was Actually Doing for You

Stripped of the marketing, CreditRepair.com provided these specific services:

• Reviewed your credit reports from Equifax, Experian, and TransUnion
• Identified items that were potentially disputable under FCRA — inaccurate, unverifiable, or outdated information
• Drafted and mailed dispute letters to the three bureaus citing your rights under 15 U.S.C. § 1681i
• Tracked bureau responses within the 30-day investigation window required by § 1681i(a)(1)
• Sent follow-up correspondence for items that were verified rather than removed
• In some cases, escalated to creditor-direct disputes under § 1681s-2(b)

Every one of these actions is something you can do directly, without a company, under your existing federal rights. The FCRA dispute right is a direct consumer right. The Credit Repair Organizations Act doesn't restrict you from exercising it yourself — it restricts companies from charging you before they do it for you.

Websites Still Using the CreditRepair.com Name in 2026

Following the bankruptcy, the CreditRepair.com domain and brand have had uncertain ownership. If you encounter any website marketing services under the CreditRepair.com name in 2026, verify the ownership and operational history before providing any payment information. The original company does not exist. Any entity operating under that brand is not the company you previously had a relationship with, and it has no access to your prior account history.

Your Rights Haven't Changed

The shutdown of CreditRepair.com didn't affect your FCRA rights. They are unchanged and they belong to you directly. Specifically:

What to Do If You Were a CreditRepair.com Client

Three years have passed since CreditRepair.com ceased operations. Every month a disputable item remains on your report costs you — in higher interest rates on loans you're approved for, in loans you're denied, in apartment deposits, in employment screenings. The time to restart your dispute process was two years ago. The second-best time is now.

The minimum starting point:

1. Pull all three reports at AnnualCreditReport.com. Look at every negative item — collections, late payments, charge-offs, judgments.
2. For each negative item, identify the date of first delinquency. Items where that date is more than seven years ago should be disputed for removal under 15 U.S.C. § 1681c.
3. For items CreditRepair.com was actively disputing when they shut down, those disputes may need to be restarted. Bureaus do not preserve dispute records indefinitely.
4. For items that were deleted and may have been reinserted, check your current report against any prior records you have from before the shutdown.
5. Prioritize your dispute list by impact on your credit score — items with the most negative weight first.