Both firms also offer free consultations. Credit Saint is accredited and highly rated with an A by the BBB, whereas Lexington Law has a C rating with the BBB and is not accredited. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. The package allows customers to go after ten negative items per billing cycle. Well find out in this Credit Saint review and answer all questions you may have about the company. 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. When analyzing the professionalism of their customer support reps, we also reviewed how they respond to complaints. Credit Saint has a 45-day repair cycle. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. Making it possible to keep tabs on your FICO rating as well as your scores from other reporting bureaus using credit monitoring services. Credit Saint offers consumers three straightforward packages that are each designed to meet a different need. Credit Saint edges Lexington Law when it comes to offering downright friendly services. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. For most people,disputing negative itemsis the main goal of credit repair, and this is what you get with the Concord Standard level of service. Their cornerstones include determination, revolutionary, integrity, vision, and excellence. Is Credit Saint or Lexington Law Cheaper? Unfortunately, Credit Saint does not have a robust blog on its website; however, that is changing according to our research. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. You can trust that when you read any article on Credit Weld, the interest of the reader comes first and the information provided leads to one goal: Improving your credit for life. Credit Saint customers know that they can get their money back if there have been no removals in 90 days. Credit Saintis more transparent about its enrollment fees, whereas Lexington Law makes it difficult to know exactly how much youll pay for a first work fee when you sign up for services. Also, note that no company can remove legitimate items from a credit report. Bottom Line: Credit Saint vs. Lexington Law. Additionally, looking at customer reviews shows that Lexington Law has significantly more negative reviews than Credit Saint. This is comparable to other credit repair services, and we like that Lexington Law offers a range of service levels designed to accommodate all budgets. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. Credit Saints cost is justified by its amazing features, including the reliable money-back guarantee. 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. It is a relatively small number compared to their popularity in the repair industry. How to Dispute Medical Bills on Your Credit Report? Each credit repair firm offers a dedicated customer service line for clients that can help answer any questions you may have. There are several credit repair companies on the internet and while they all claim to be the best, theyre not made equal. Fraudulent accounts opened under your credit by someone else. The law firm will provide your TransUnion credit report summary and Transunion FICO score. At this level,Credit Saintoffers unlimited disputes each dispute cycle, plus all the features included in the Credit Polish and Credit Remodel packages. Monthly fees from $69.95 to $119.95, plus first-work fee equal to one month's payment. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. A careful review of hundreds of past user reviews reveals the dedication and selfless services offered by Credit Saints representatives. Credit bureaus have innovated online disputes. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. We break down the benefits and possible drawbacks of both services, so you can choose whichcredit repairservice is right for you. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. Private Dashboard Talk to us as much or as little as you like. That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. 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. 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. While Credit Saint's most basic package option starts at $79.99 per month, Lexington Law's lowest service level starts at $89.85 per month. With Credit Saint, the initial free review includes a professional analysis of your credit reports. All Rights Reserved. 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. Lexington Law begins the process as soon as 48 hours. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. Their latest feedback as of July 8, 2021, is a 4-star rating. They will go over specific details of your credit history and offer additional techniques for improving your scores. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. Top Rated Services. While both companies are BBB accredited, Credit Pros has a current rating of B+. Credit Saint vs. Lexington Law: Who is Better? Credit Saint has a better basic package as it includes the score tracker and score analysis. The majority of customers are happy with the service. There is something scary about looking at your credit report and finding items that you do not find justified or valid. Sky blue charges up front. And a credit repair company may come to the rescue. view details Credit service companies cannot promise a result or credit score increase. #1 CreditRepair.com. Credit Polish is Credit Saints most basic credit repair package. Is Credit Saint or Lexington Law Cheaper? Unfortunately, not everyone understands what goes into a positive credit history. You've heard of couples therapy, but what is it and whom is it for? 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. Your credit score even directly impacts the cost of your New Jersey auto insurance. 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. 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. How Long Does It Take to Repair Your Credit? The setup fee is only $129.95, meaning that you may spend $66 less during your first month with Lexington Law. It also includes a credit analysis component. For instance, you can check reviews on Credit Saint on Google Reviews. It's no secret that businesses want to know what consumers think. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. Credit saint vs. Lexington law, who is the undisputed winner? Top Reviews. Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. Blood pressure issues are very common in the United States. Now, what features do you get? Both Credit Saint and Lexington Law will require your full commitment. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. These things suggest the companys customer service pleases its customers. Customers are always encouraged to reach out to the company directly. You will pay about $109.85 per month. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. Credit Saintalso offers a no-strings 90-day money-back guarantee. Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. There is something scary about looking at your credit report and finding items that you do not find justified or valid. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. Creditrepair.com maintains an advantage when it comes to tools and technology. It leverages digital partnerships to facilitate electronic disputes and provides personal finance tools in its mobile app. The goal of the founders was to revolutionize the repair industry. This means there are more than 40 million reports to take care of. Lets review the details of each package. These tools will help you pay off your debt and budget your money. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. The company is unique because it compromises solicitors with experience in the niche. People lost more than $16 billion due to these cases and the problem is only increasing. The Clean Slate package is Credit Saints most aggressive credit repair plan. For instance, they are now offering help to people whose scores may have been affected by the COVID-19 pandemic by helping them leverage reliefs provided by lenders under the CARES act. Moreover, this firm is applauded by previous customers who highlight Credit Saints transparent operation and commitment to results. How does this package stack up to Credit Saints Credit Remodel package? Credit saint vs. Lexington law Which one is the best? When comparing Lexington Law vs. Credit Saint, its also vital to compare the educational resources. For instance, the company lacks a service guarantee. The plan only allows customers to challenge up to 5 negative entries for each billing cycle. Here are a few things to keep in mind as you decide: To help you get your finances back on track, TopConsumerReviews.com has evaluated and ranked the most popular credit repair services available today. From there, credit repair providers work diligently to address the issues and resolve them, for as long as you maintain your subscription to their services. But make sure that you are reviewing companies that provide an equivalent level of service. 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? It was the same year that John C. Heath became the directing attorney. They claim that this helps them fastrack the preparation of the initial first round of disputes. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. That's a great question, because "payday loans" and "trustworthy" don't tend to be said in the same Where can you find the best personal loans? Consistently ranked as the top service on finance sites, Offers unlimited challenges per dispute cycle, Free non-obligatory credit repair consultation, Tailors services and disputes to each situation, 90-day refund policy means a worry-free service, Offers education on other ways to optimize scores, Intuitive dashboard for tracking challenges, Responds to complaints with care and attention. The company is also an actual Utah-based law firm that deals with other legal matters as well. This may impact how, where, and in what order products appear. They also expect customers to have made timely payments in the past. You know your budget. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. These two companies have many similarities but also some differences that may be important when deciding between the two services. There are so many different ways to go. **The trust value is based on our independent research. Late payments, applying for multiple credit cards in a short period of time, or even problems with mistaken identity can all lead to a less-than-excellent credit profile. If you're behind on your tax payments or have past years where you didn't even file a return, you probably feel the pressure mounting. They have two affordable packages, going for $79 and $109 per month. Go to the official site, sign up for an account, pay the fee, and the company will get to work right away. Top Products. As previously stated, they are known to help consumers with severe credit problems. Better Business Bureau accredited businesses, like Credit Saint, must adhere to high standards for ethical business practices. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. Whos faster Lexington Law or Credit Saint? Credit Saint offers their cheapest package for $79 per month. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. Each text is published after its detailed proofreading. Free consultation and 90-day money-back guarantee. When choosing a credit repair company to work with, there are a few things you need to consider. Keep in mind that laws prevent any company that repairs credit from guaranteeing customers that they will see specific results as every credit repair situation is different, and various factors determine results. 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. The monthly cost for this high aggressive plan is $99.99. For instance, Lexington charges a basic set up fee of $100. As with any credit repair service, the length of time required to see movement in your score depends on your unique situation. Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. This makes it easy to monitor your account and the credit repair process on the go. Over 13 years of experience in credit repair companies and finance. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. In addition to legal representation, they also offer a credit monitoring and repair service that comes in three different tiers. Are you typically available to make calls during business hours? In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. Andrew is a credit expert with over 20 years of experience in the industry. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. Credit Saintmay have similar results, but it doesnt state them anywhere on its website, so its hard to know if their service yields similar results. The company is an excellent option if youre serious about fixing your credit. Like us? Opinions expressed on this site are the authors alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. As you start to explore the possibility of credit repair, you'll soon see that there are many providers hoping to gain your business as a client. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. In addition, they provide resources to help you repair and improve your credit score and maintain it in the long term. They are trailblazers, innovators, and above all, credit experts. The customer seemed to be fresh from signing up and expressed that they had a good conversation with Jordan, a company rep. Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. If you are working to repair your credit, youve likely spent extensive time trying to. BothCredit Saintand Lexington Law offer three pricing levels with comparable costs at each level of service. In this highlighted review, the client complained about not seeing any removal but getting charged for the service. 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. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. . They'll help you remove negative items while teaching you how to optimize your financial choices to boost your credit score. 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. Most Credit Saint credit repair reviews agree that the company can help you solve this issue as it offers identity theft protection with repair services. The erasing of outdated inquiries from your credit report. Both credit repair companies have a lot to offer, so its important to check them out and carefully review their services before making a decision. Customers can expect a robust experience when working with Lexington Law. For consumers, Credit Saint is the cheaper option. The main office is in Mahwah, New Jersey. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Lexington Law is not accredited by the Better Business Bureau. Credit Saint also begins its repair process within 48 hours. Lexington Law may be able to help you repair your credit, but keep in mind that federal law prohibits any credit repair company from guaranteeing specific results. Credit Saint has developed packages at different prices to cater to a broad range of customers regardless of their budget. Free online consultation. Despite being the cheapest plan, it comes with comes impressive features including: You will have the option to cancel anytime or apply for a full refund if the company fails to remove any item within 90 days of account opening. Thats because you will need to work with someone to identify potential dispute candidates. Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. Who provides the best debt relief? Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. When comparing Credit Saint and Lexington Law, consumers should take note of what educational resources both credit repair companies provide their customers. For example, if your report shows your credit utilization to be too high, they might suggest you diversify or go for a new line of credit. Additionally, take advantage of the free credit consultations. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. They then create customized challenge letters for these items and send them to the credit bureaus for a response. If we feel this product or service is not to our standards we will not recommend solely due to money. This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. Where can you find the best, most affordable online doctors? This process takes time, and you certainly do not want to take a shortcut. The website is not very transparent about the number of challenges included in each plan, and customers need to dig or consult to receive that information. 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. You will need to pay an initial setup fee of $99. Credit Saint is a repair company that was established in 2004 with the sole purpose of 'helping Americans fix their shaky credit histories.' Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. Lexington Law is the biggest advertiser thus they have the biggest problem now. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. On the other hand, Credit Saint has not been specific about its use of electronic disputes. They will pay an initial setup fee of $99 and only part with $99 for the monthly membership. Which blood pressure supplement is the best? Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. They are not accredited and have a C rating. The Consumer Financial Protection Bureau (CFPB), which is the federal agency that handles oversight of the credit repair industry, filed alawsuitagainst Lexington Law in 2019, in which the CFPB alleges the company engaged in deceptive business practices by participating in an affiliate network that directed potential customers to Lexington Law. The company offers excellent customer support and the agents are very friendly. This engagement demonstrates that they do care about addressing concerns and remedying issues. Lexington Laws basic service package provides access to bureau challenges and creditor interventions. Although many individuals attempt to do this task themselves, using a reputable credit repair service can relieve some of the stress associated with the process. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. And this gives you a chance to ask questions and explore your options. But large or small any company or person that charges anone upfront is breaking the law. Lexington Law may be better prepared to assist customers through negative life events. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. Both companies have been in business for several years and offer quite a bit in terms of credit repair services and additional services. Founder of Credit Repair Partner. Based out of New Jersey, Credit Saint has been in business for over 15 years and has a BBB rating of A. This strong rating means they are a reliable and trustworthy company. Credit Saint and Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. Takeaways for Choosing Between Lexington Law and Credit Saint. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. However, those who are willing to wait are usually the ones who see remarkable results. Unlimited custom disputes are available on each plan. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. Learn more about our process. We're confident that this information will give you everything you need to choose the right partner in your journey towards a fantastic credit report! In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. If youre considering a credit repair service, its important to take positive and negative reviews as a whole before you make a decision. It has a company mobile app (Apple and Android) where you can monitor account progress from the convenience of your phone. Your credit score could, Wondering if a 550 credit score is good or bad? Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. All plans come with a reliable 90-day money-back guarantee. Other providers actually specify a minimum credit score improvement. While neither Credit Saint nor Lexington Law provides cookie-cutter answers to this question, our research indicates that Credit Saint is more aggressive at filing disputes and intervening with creditors. This is not found in the other two packages, and depending on the severity of your situation, you may need more than 5 10 disputes to truly move the needle. Americans have finally started to understand the importance of a good credit score: from 2011 to 2021, the nationwide average increased from 689 to 714! Citi is an advertising partner. With this package, they will dispute up to 5 inaccurately reported items on your credit report. Andrew founded Credit Weld with the vision of providing guidance and solutions for those who are experiencing hardship due to poor credit. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. The team even sent his day one and final-day credit report showing the positive changes after their repair process. If youre looking for straightforward credit repair without a lot of frills and extras, you can probably accomplish your goals with the Concord Standard plan. You can follow them on their social media pages for updates when they publish new guides. The company goes beyond the scope of a traditional credit repair services provider by offering excellent resources and free consultation, which can be a great way to get started. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. Both Lexington Law and Credit Saint offer robust credit repair packages. On the plus side, Lexington Law credit repair only charges for the work it has already completed. For free, sometimes we are compensated by various companies that we feature companies and finance C.... Package stack up to 5 inaccurately reported items on your credit report and finding items that do! That may be important when deciding between the two services who will work,... Thousands of success stories over 8.7 million clients no removals in 90.! 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