Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. It was the same year that John C. Heath became the directing attorney. Their latest feedback as of July 8, 2021, is a 4-star rating. Regardless if a company is compensating us or not, we only accept these opportunities when the post, will be helpful or valuable to our readers and is something that fits within the context of this blog. Both companies charge a first work fee (~$99.00), but Credit Saints monthly services start as low as $79.00/Month, whereas Lexington Law starts at $99.95/Month. All of us feel a little overwhelmed sometimes, and it's nice to have support when times are rough. The only claim to dispute nonfactual information in the credit report. All Rights Reserved. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. On the other hand, Credit Saint has not been specific about its use of electronic disputes. The Clean Slate package is Credit Saints most aggressive credit repair plan. If youre considering a credit repair service, its important to take positive and negative reviews as a whole before you make a decision. This can offer a great deal of peace of mind when youre worried about getting yourcredit score back on track. (2023). In 2004, the law firm began focusing on offering credit repair services. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. Which one is the best for you? Credit Saint offers their cheapest package for $79 per month. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. Which blood pressure supplement is the best? Top Reviews. Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. Overall, the process takes as long as needed to remove as many negative items from your report as possible. 89% of Lexington Law customers that have experienced improvement with the service have increased their credit score by at least 40 points. How Long Does It Take to Repair Your Credit? The firm offers 3 credit repair plans to suit different needs, along with a 90-day money back guarantee. 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. They only facilitate the process but they dont control what gets removed. Online doctors, whose services are often referred to as telemedicine or telehealth, are a convenient and accessible way for patients to receive Where can you find the best Stress Relief? Go to the official site, sign up for an account, pay the fee, and the company will get to work right away. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. Both firms also offer free consultations. It has a company mobile app (Apple and Android) where you can monitor account progress from the convenience of your phone. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. Lexington Law also offers its own smartphone app, which is available for both Apple and Android devices. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. is the very high aggressive plan offered by Credit Saint. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Which tax relief service is right for you? Together, they have helped thousands of consumers repair their credit and clean up their credit report. They further stated that their 90-day refund policy applies to customers who have not seen any removals. Credit Saint - The Winner Fret not, Credit Saint is known for fighting tooth and nail with your debt collectors and all three credit bureaus. The Credit Pros Review: Best Credit Repair Company? Overall, online reviewers have positive things to say aboutCredit Saint. Disclaimer: We offer completely free content to our users. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. Disclaimer: This post contains references to products from one or more of our advertisers. Both companies are established and highly visible players in the business. Think about a loan that you never took but it appears on your report due to an administrative error. However, note that it comes with certain conditions. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. Andrew is a credit expert with over 20 years of experience in the industry. Top Rated Services. Customers can expect a personalized dashboard to track progress, three credit repair packages to choose from, and a complimentary credit consultation from a credit professional. They then create customized challenge letters for these items and send them to the credit bureaus for a response. For a credit repair company, Credit Saint has a low number of customer complaints and even many positive customer reviews, which is something not generally seen among credit repair companies. Private Dashboard Talk to us as much or as little as you like. Thats because you will need to work with someone to identify potential dispute candidates. What Happens if You Miss a Credit Card Payment? Contact us today to learn more and find out about our additional services. However, Lexington Law says that 70 percent of its customers saw a 40-point improvement in their credit score after six months of using the service. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. This is one of the biggest misconceptions with the credit repair industry. Actually, their cheapest and most expensive plans differ by about $10. Credit Saintand Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. Log in, Cost Comparison of Lexington Law Vs. Credit Saint, Lexington Law Credit Repair Packages and Pricing, Credit Saint Credit Repair Pricing and Packages, Credit Repair Results of LExington Law Vs. Credit Saint. In the Google Play store alone, Lexington Law has an average 4.5-star rating out of more than 18,000 reviews. Both Credit Saint and Lexington Law will require your full commitment. But if you have a lot more to spend, you may get more value by choosing Lexington Laws Advanced package. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. For instance, their latest review on Google is from a customer who expressed that the support rep showed great empathy and explained the whole process of signing up. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. If there have been deletions within 90 days, Credit Saint may not issue the refund. In addition to credit repair services, the company also provides credit monitoring, educational resources, and a credit app so you can monitor your account progress from your phone. But make sure that you are reviewing companies that provide an equivalent level of service. On the other hand, there are companies that don't deliver what they promise. Credit Saint vs. Lexington Law: Which One is Better? In 2004, the law firm began focusing on offering credit repair services. The company has a 4.4-star average rating across more than 1,100 Google reviews, with the majority of reviewers praising the companys responsiveness, professionalism, and results. In this second featured feedback, the client said that she received help from a phenomenal agent who was kind, patient, and understanding. She said she was planning to choose another provider but selected Credit Saint credit restoration services because of how the agent handled her questions and concerns. includes everything in the Credit Polish plan but adds the additional value of inquiry targeting and up to 10 challenges to the three credit bureaus every dispute cycle. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. Customers also lose access to Experian monitoring features. These errors can impact your score and lead to issues in the future. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. Each credit repair firm offers a dedicated customer service line for clients that can help answer any questions you may have. Most credit repair services offer a free consultation, to determine if you're eligible for their help and which approach to take in your specific case. How does this package stack up to Credit Saints Credit Remodel package? A foreclosure is a process that starts when a borrower fails to pay their mortgage. Of course, as with anything, different aspects of each company will appeal to different clients, so you should always individually weigh the pros and cons of both Credit Saint and Lexington Law before deciding which one would work best for you and your credit repair needs. Credit Saint BBB rating is pretty impressive. The monthly cost for this plan is $119.99 per month. These tools will help you pay off your debt and budget your money. Both services also go out of their way to help customers recover from bad credit by offering additional advice. Credit Saint does not have transparent statistics published to demonstrate how many customers they have helped over the years and the number of disputes and challenges they have resolved. Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. Both brands have built up a loyal following and have good reviews on TrustPilot. You can also have a better feel of their customer service quality by obtaining their free consultation. After examining the pricing packages of both providers, you will not necessarily save a lot of money by choosing between the top packages offered by the two services. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Lexington Law may be better prepared to assist customers through negative life events. Unfortunately, live chat is not available right now but you can get in touch with the team via email or the ticketing system or phone that is available 5 days a week. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. The company is an excellent option if youre serious about fixing your credit. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. Each text is published after its detailed proofreading. Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce. Credit Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. And let me be crystal clear, this package is loaded with features not included in the other two offerings. Credit Saint has a better basic package as it includes the score tracker and score analysis. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. While it doesnt always work, there is still a chance of success. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. 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. Where can you find the best, most affordable online doctors? For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. Since that time, they've opened offices in 17 states and become licensed in most of the rest. The main office is in Mahwah, New Jersey. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. On the plus side, Lexington Law credit repair only charges for the work it has already completed. And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. provides you will all of the features included in the standard plan and the addition of Credit Report Watch Alerts. Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. The platform lags behind in terms of tech and tools. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. Top Consumer Reviews. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. These two companies have many similarities but also some differences that may be important when deciding between the two services. Most of the actions taken on your behalf by a credit repair service can be done on your own. In this highlighted review, the client complained about not seeing any removal but getting charged for the service. Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. Most clients see a 40-point increase in their credit score in six months. 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. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. Their four-step process entails: Step 1: Helping clients obtain copies of their credit reports and analyzing them for inaccurate entries to dispute. The online dashboard allows customers to track the progress of their credit repair. If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. Customers typically mention the names of paralegals who intervened in their cases. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Its the time taken by credit bureaus to carry out reinvestigations. If youre looking for the cheapest plan, you are better off using Credit Polish offered by Credit Saint. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. Their website contains more information, and you dont have to guess about what services they provide. These two companies have many similarities but also some differences that may be important when deciding between the two services. Both Lexington Law and Credit Saint offer robust credit repair packages. Additionally, looking at customer reviews shows that Lexington Law has significantly more negative reviews than Credit Saint. Credit Saint is the oldest credit repair company in the industry. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. If you search the web for tips on how to repair your credit, you will come across Creditrepair.com reviews. There is a one-time $195 sign-up fee, and then youll pay $119.99 every month youre enrolled. Though we'd like to see some data that reflects Credit Saint's successes in improving people's credit reports, we still trust that this provider gets the job done. Sky blue charges up front. Credit Saintalso offers a no-strings 90-day money-back guarantee. The goal of the founders was to revolutionize the repair industry. Credit Saint vs. Lexington Law. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. 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. Since 1991, when the company was established, over 10 million negative items have been removed from the consumer reports thanks to the . Their FAQ section also contains a list of commonly asked questions about the service. The companies also have good reviews on average, but Lexington Laws regulatory troubles and less than stellar BBB profile stop it from taking top marks in our review. This engagement demonstrates that they do care about addressing concerns and remedying issues. Select any 2 Credit Repair Companies to compare them head to head, Atlantic City, NJ Mayor Leading Free Resident Credit Repair Effort. Additionally, you will get a personalized dashboard to track progress, creditor interventions, score analysis, and score tracker. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. A live agent will also contact you to talk about the details of your credit history. Who can you trust when looking for the best payday loans? According to the CFPB, this behavior was unlawful, as federal statutes prohibit credit repair companies from taking any money from customers until the company has done work on the customers behalf. Fortunately, there are ways to remove incorrect items. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. Sometimes. This plan costs customers $139.95/month. He has helped people repair their credit by giving them easy to follow steps, advice and tips on how to improve their financial situation. Some customers might like the benefit of having these types of legal experts on their side. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. Lexington Lawscredit helpsection of its website offers a robust number of educational resources to help you understand how credit scores work and what steps you can take to improve and maintain your score. So which one offers the best credit repair services? 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. 250 Pehle Ave #200, Saddle Brook, NJ 07663, United States. gives customers the benefits of the lower-level services and TransUnion FICO score, lost wallet protection, a Personal Finance Manager, and Junk Mail Reducer service. Who provides the best debt relief? 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. Get started today with a FREE credit consultation. This information may be different than what you see when you visit a financial institution, service provider or specific products site. When comparing Credit Saint and Lexington Law, consumers should take note of what educational resources both credit repair companies provide their customers. 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