Again, these are things you need to consider. Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. Which tax relief service is right for you? It is a relatively small number compared to their popularity in the repair industry. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. Regarding customer service, Lexington Law has many more complaints lodged against them than Credit Saint does. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. Top Consumer Reviews may earn money when you click on a link. But there are two questions you need to ask yourself. This may impact how, where, and in what order products appear. Learn more >. Credit Saint can improve it by removing items that appear incorrect due to issues such as administrative errors, calculation errors, etc. How Long Does It Take to Repair Your Credit? They must make a reasonable faith effort to resolve grievances raised by customers. On the other hand, if youre thinking about hiring acredit repair company, you should review all your options so you can be confident youre making the best choice for your unique situation. They are not accredited and have a C rating. They will help you dispute errors on your credit report,remove late payments, and more. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. This information may be different than what you see when you visit a financial institution, service provider or specific products site. However, their number of years in business, excellent BBB rating, and good customer reviews suggest that they are effective in credit repair and one of the best companies in the business. Were impressed with Lexington Laws stats that 70 percent of its customers saw a 40-point increase of their credit score within six months of credit repair services. Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. We only recommend products or services that we would use ourselves and have gone through a significant amount of research before posting. Is Credit Saint a Good Credit Repair Company? Who wins the Credit saint vs. Lexington law pricing war? Private Dashboard Talk to us as much or as little as you like. Dispute Avalanche designed to make things faster. Additionally, Concord Premier will not help you with identity theft. Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. Purchase protection is a common credit card benefit that allows consumers to file a claim with their issuer to receive replacement, repair or reimbursement for any Lexington Law Review (2023): Legit Credit Repair Firm or Not? Both Credit Saint and Lexington Law are two of the best credit repair companies in the United States. Here are some key takeaways that can help you make the final decision between the two giant credit repair brands: Lexington Law lacks a money-back guarantee, but you get it with Credit Saint. All plans are flexible with the option to cancel anytime. This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. Many educational resources on the Lexington Law website help customers understand credit scores and how to improve them. The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. When comparing Lexington Law vs. Credit Saint, its also vital to compare the educational resources. This means you will get your money back if the company fails to remove any inaccurate items from your report within 90 days of signing up. You've heard of couples therapy, but what is it and whom is it for? Money.com ranked it as the top credit repair company. It helps them achieve faster outcomes. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. Customers are always encouraged to reach out to the company directly. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. Additionally, Lexington Law's most advanced service level is more than Credit Saint's most advanced package option. The biggest determinant of how fast items will be removed from your credit report is not the company you select. He also stated that he didnt leave a 5-star rating because the company kept asking for verification, which he said that he had already done. While Lexington Law does leverage in-house legal expertise, it is currently facing a class action law suit by the Consumer Financial Protection Bureau (CFPB). Then you'll be billed $80 per month (or more), with la carte pressing options available for extra features or services. There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. Overall, online reviewers have positive things to say aboutCredit Saint. Lexington Law will: As we said, this is a basic package. If there have been deletions within 90 days, Credit Saint may not issue the refund. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. Overall, the process takes as long as needed to remove as many negative items from your report as possible. Be sure to check out the reputation of any credit repair service you're considering: customer feedback, number of years in business, and the service's BBB rating are all helpful indicators of a provider's trustworthiness. Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? Founder of Credit Repair Partner. Credit Saint offers consumers three straightforward packages that are each designed to meet a different need. Unfortunately, not everyone understands what goes into a positive credit history. Additionally, you will get a personalized dashboard to track progress, creditor interventions, score analysis, and score tracker. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. In this highlighted review, the client complained about not seeing any removal but getting charged for the service. Now, if Credit Saint fees are out of your reach, keep in mind that its possible to replicate the same results. BothCredit Saintand Lexington Law offer three pricing levels with comparable costs at each level of service. On the other hand, there are companies that don't deliver what they promise. Disclaimer: This post contains references to products from one or more of our advertisers. These errors can impact your score and lead to issues in the future. (2023), Lexington Law vs. Credit Saint: Credit Repair Packages and Price, Credit Saint vs. Lexington Law: Educational Resources. 8.2 million removals and 26+ million challenges and disputes since 2012. It can remove judgments and help improve your credit score. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. Call us today to take advantage of our no-obligation offer. In 2004, the law firm began focusing on offering credit repair services. Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. Lexington Law is one of Credit Saints major competitors. In 2004, the law firm began focusing on offering credit repair services. For instance, you can download a 609 letter and pay-for-delete letter template. There is an initial work fee, but no information on the website about how much that fee costs. The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. The establishment is transparent about the lawyers it has on its team. In our recommendation, Credit Saint outperforms Lexington Law overall. Both Credit Saint and Lexington Law have ways for customers to reach them by phone or email and actively respond to their customers to provide service. It also enjoys anA ratingfrom the Better Business Bureau (BBB) and its one of a handful of credit repair companies accredited by the BBB. The company utilizes automated systems to boost its workflow efficiency and strives to offer the best value. Both companies have been in business for several years and offer quite a bit in terms of credit repair services and additional services. All three credit repair packages come with a 90-day money-back guarantee, and you can cancel any time without penalty. Generally, the service doesnt have as many complaints on their BBB.org page as competing services like Lexington Law. The parent company supplies patented technologies used by Lexington Law and other consumer brands such as creditrepair.com and credit.com. How To Choose Between Lexington Law and Credit Saint. A foreclosure is a process that starts when a borrower fails to pay their mortgage. We may receive compensation (at no cost to you) when you click on links to those products. This is one of just a few services that have earned a strong rating from the BBB, along with hundreds of positive reviews from clients. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. Credit Saintreceives high praise on average from its former and current customers. Sky Blue Credit vs Ovation Credit Services, Sky Blue Credit vs Credit Repair Consultants, The Credit People vs Ovation Credit Services, The Credit People vs MSI Credit Solutions, The Credit People vs Pyramid Credit Repair, The Credit People vs Credit Repair Consultants, Ovation Credit Services vs MSI Credit Solutions, Ovation Credit Services vs The Credit Pros, Ovation Credit Services vs Pyramid Credit Repair, Ovation Credit Services vs Credit Repair Consultants, Credit Saint vs Credit Repair Consultants, MSI Credit Solutions vs Pyramid Credit Repair, MSI Credit Solutions vs Credit Repair Consultants, The Credit Pros vs Credit Repair Consultants, Lexington Law vs Credit Repair Consultants, Credit Repair vs Credit Repair Consultants, Pyramid Credit Repair vs Credit Repair Consultants, Credit Repair Consultants vs Credit Monkey, No first work fees when you add one family member, Over 70 million removals and 22.3 million challenges and disputes, 89% of clients with improvement see an average credit score increase of 40 points. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. This helps pay for our writers time in order to provide meaningful and helpful information to get our readers on the path to better credit. Credit Saint has developed packages at different prices to cater to a broad range of customers regardless of their budget. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. There are a lot of credit repair companies to choose from, and it can be hard to know which one is the best fit for your needs. The company is an excellent option if youre serious about fixing your credit. Lexington Law leverages this process to fix their clients' credit. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. Lets get started: Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. The package also includes score tracking, inquiry targeting, and Experian monitoring. Every day, credit reports are pulled by companies and assessed as ways of determining eligibility for mortgages, credit cards, car loans, and many other financial situations. They choose to issue refunds in some situations and use friendly language when responding to customers. They do this by taking the fight to the individual creditors. You know your budget. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. Sky Blue is one of the oldest repair companies. These two companies have many similarities but also some differences that may be important when deciding between the two services. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. So, compared to Credit Saint, its a cheaper option. Credit Saint has made strides in addressing its content gap this year. At this level,Credit Saintoffers unlimited disputes each dispute cycle, plus all the features included in the Credit Polish and Credit Remodel packages. Both Lexington Law and Credit Saint offer robust credit repair packages. On the other hand, Credit Saint has not been specific about its use of electronic disputes. The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. Credit Saint operates on a 45-day dispute cycle. Credit saint vs. Lexington law Which one is the best? Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. Concord Premier At $109.95 per month, the Concord Premier is the middle-of-the-road service level, which gets you everything in the Concord Standard plan plus TransUnion score alerts and a monthly credit score analysis. For this reason, many people enlist the help of a credit repair company to assist with the task. Credit repair services typically charge a one-time setup fee and monthly service fees. Although both companies have remained in business for a long time, are well-known, and have served many clients, deciding which one to use is a matter of personal preference. If you have challenging credit history, it makes all of these things more complex and frustrating. Over 850,000 clients in the last 10 years. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Not all Credit Saint reviews are positive. The only claim to dispute nonfactual information in the credit report. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Regular membership goes for $119.99. UnlikeCredit Saint, however, Lexington Law is not accredited by the BBB. Andrew is a credit expert with over 20 years of experience in the industry. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. They claim that this helps them fastrack the preparation of the initial first round of disputes. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. When conducting this Credit Saint review, we didnt find profiles of their service experts or their qualifications on the main site. Fret not, Credit Saint is known for fighting tooth and nail with your debt collectors and all three credit bureaus. Most services state that you'll see negative items removed from your credit history within the first 90 days. What Happens if You Miss a Credit Card Payment? Credit Saint - The Winner (2023). Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint. As with any credit repair service, the length of time required to see movement in your score depends on your unique situation. According to a Javelin report, about 17 million Americans faced identity theft in 2017 alone and the number hasnt decreased in the last fast years. However, we must mention that it does not make any promises to boost your score or help you reach a certain number. Its currently under the helm of the original founder, Ross LaPietra. Seeing tangible results can motivate you to stay on track with maintaining good credit. Here are some of the main advantages of choosing this repair firm: With some pros come some cons; here they are: Lets start with positive Credit Saint reviews, and theyre literally everywhere you look. **The trust value is based on our independent research. The erasing of outdated inquiries from your credit report. Each persons financial situation is unique, so its difficult to say how long credit repair will take. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce. Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. For instance, the company lacks a service guarantee. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. Now, its time for us to render our verdict, and surprisingly, its a tie. For instance, you can check reviews on Credit Saint on Google Reviews. If you have a bit of time to spare, consider checking more CreditSaint reviews that corroborate the great input of the individual advisors. Credit Saint vs. Lexington Law: Whos Better? This service which analyzes the positives, includes coaching you on ways to pay your bills and open/close credit cards to maximize your credit score. There are many credit repair firms out there and if you search for the best credit repair companies, you will definitely come across Credit Saint credit repair. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. Credit Saint and Lexington Law will also help craft cease and desist letters that encourage creditors from continuing to report inaccurate information after it's been disputed. Mike is a recognized credit expert and founder of Credit Takeoff. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. They also have mobile apps for easier progress tracking. The Credit Pros Review: Best Credit Repair Company? Together, they have helped thousands of consumers repair their credit and clean up their credit report. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. They provide various templates you can use when challenging the bureaus and information furnishers. Purchases made through links may earn a commission. Credit Saint vs. Lexington Law: Who is Better? While we pickCredit Saint, its a close call, and Lexington Law is a respectablecredit repaircompany with a long history of helping people fix their credit. Their cheapest plan goes for $69, which means that youll pay less than if you got the Credit Saints Credit Polish package at $79.99. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. It also includes a credit analysis component. Lexington Law. Citi is an advertising partner. It was the same year that John C. Heath became the directing attorney. Both companies are established and highly visible players in the business. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. These two questions will help you uncover the truth. Credit Saint also begins its repair process within 48 hours. Lexington Law vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. You can also compare Credit Saint vs Lexington Law by exploring all of the top credit repair services. If youre looking for the cheapest plan, you are better off using Credit Polish offered by Credit Saint. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. Boost your score or help you reach a certain number the fight to the individual.. Company utilizes automated systems to boost your score and lead to issues in the future to. Will take positive credit history always encouraged to reach out to the individual creditors reach, keep in that... Appeared in a myriad of industry leading financial media outlets for customers who have! 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