Lexington Law is the biggest advertiser thus they have the biggest problem now. Credit Saint can improve it by removing items that appear incorrect due to issues such as administrative errors, calculation errors, etc. Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. The only claim to dispute nonfactual information in the credit report. They have two affordable packages, going for $79 and $109 per month. 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. is the very high aggressive plan offered by Credit Saint. When choosing a credit repair company to work with, there are a few things you need to consider. Credit Sainthas three tiers of services, with pricing that ranges from $79.99 per month to $119.99 per month. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. Credit Saint operates on a 45-day dispute cycle. If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. You will find many Credit Saint reviews on the Internet. Purchases made through links may earn a commission. Credit Saint operates on a 45-day dispute cycle. 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. Now, its time for us to render our verdict, and surprisingly, its a tie. . It costs $89.85 per month, a bit on the higher side than the Credit Polish package. Andrew is a credit expert with over 20 years of experience in the industry. But, how much time do you have? Regarding customer service, Lexington Law has many more complaints lodged against them than Credit Saint does. A foreclosure is a process that starts when a borrower fails to pay their mortgage. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. If youve recently missed a credit card payment or youre about to miss an upcoming, A car repossession can cause lasting damage to your credit report. Both companies have been in business for several years and offer quite a bit in terms of credit repair services and additional services. 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. Their cornerstones include determination, revolutionary, integrity, vision, and excellence. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. Get started today with a FREE credit consultation. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. 8.2 million removals and 26+ million challenges and disputes since 2012. For consumers, Credit Saint is the cheaper option. This makes it easy to monitor your account and the credit repair process on the go. 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. But if you have a lot more to spend, you may get more value by choosing Lexington Laws Advanced package. Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. Who wins the Credit saint vs. Lexington law pricing war? They will go over specific details of your credit history and offer additional techniques for improving your scores. 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. The company is unique because it compromises solicitors with experience in the niche. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. They bring years of experience to the table and a team of credit repair analysts who are industry veterans. When you sign up for aCredit Saintaccount, you also get access to a customer dashboard. Credit Saint vs. Lexington Law: Who is Better? On the subject of feedback, reviews on Credit Saint generally focus on the exceptional help provided by the customer representatives. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. Both plans provide score analysis, credit report updates, and inquiry targeting. Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. Credit Saint bills this package as the most aggressive. 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. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. Which blood pressure supplement is the best? 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. Lexington Law will: As we said, this is a basic package. How Rapid Rescoring Can Quickly Raise Your Credit Score, Credit Remodel At $99.99 per month, the Credit Remodel package isCredit Saints mid-tier service level. Credit Saint offers their cheapest package for $79 per month. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. On the positive side, you will get 100% of your money refunded if the company fails to remove any item within 90 days of signing up given that youve made full payment and you meet every other requirement given on the official website. The company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. Because Credit Saint and Lexington Law offer similar and comparable services, both companies have an extensive history of helping customers repair their bad credit scores. And, there's something to be said for letting the experts do the work, using their knowledge and connections to ensure that your credit repair process is done effectively. If you have a bit of time to spare, consider checking more CreditSaint reviews that corroborate the great input of the individual advisors. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. The online dashboard allows customers to track the progress of their credit repair. This is one of the biggest misconceptions with the credit repair industry. Now, if Credit Saint fees are out of your reach, keep in mind that its possible to replicate the same results. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. However, Lexington Law appears to respond to each poor review and customer complaint on the BBB site, so this shows the company is aware of complaints and takes them seriously. The firm began focusing on credit repair in 2004, although the law firm was formed several years before that, making Lexington Law one of the oldest credit repair companies in the business. This process takes time, and you certainly do not want to take a shortcut. Lets compare Credit Saint and some of its competitors to see which ones better. Sky blue charges up front. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. A few credit repair services guarantee that you'll see those deletions within the first three months, and you'll get a refund of any fees paid if that doesn't happen. You know your budget. How to Dispute Medical Bills on Your Credit Report? Credit Saintand Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. 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. While it doesnt always work, there is still a chance of success. 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. Credit Saint is a credit repair company that helps consumers repair their credit. 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. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. Your credit score even directly impacts the cost of your New Jersey auto insurance. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. Credit Saint vs. Lexington Law: Which One is Better? You can find some recent articles in their blog section. 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. Top Rated Services. 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. At this level,Credit Saintoffers unlimited disputes each dispute cycle, plus all the features included in the Credit Polish and Credit Remodel packages. Both Credit Saint and Lexington Law are two of the best credit repair companies in the United States. You can also compare Credit Saint vs Lexington Law by exploring all of the top credit repair services. The erasing of outdated inquiries from your credit report. 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. And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. Credit Saint BBB rating shows that the company is reliable and loved by people. Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. There is something scary about looking at your credit report and finding items that you do not find justified or valid. Lexington Law takes a personalized approach to credit repair. Credit Saint complaints and positive reviews. Customers receive regular updates on progress to ensure theyre fully aware of whats happening. For instance, Lexington charges a basic set up fee of $100. This information may be different than what you see when you visit a financial institution, service provider or specific products site. On the positive side, the company provides full support to clients and offers tips on how they can improve their credit rating. Credit Takeoff is reader-supported. SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. Lexington Law. Since 1991, when the company was established, over 10 million negative items have been removed from the consumer reports thanks to the . Customers also like tracking their results and always seeing where they are in the credit repair process. Both firms also offer free consultations. Credit Saint is better if you are looking to partner with a credit repair company. Stay up to date with the latest reviews. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. Credit Saint comes with both pros and cons. Credit Saint responded by saying that a manager had reached out to the client after confirming that there were removals for his account. In addition, the company offers a full 90-day money-back guarantee. Credit Saint bills you for their credit repair services monthly and allows you to cancel any time, so you only commit for however long you need to repair your credit. It all comes down to reputation. Based on our analysis of both companies customer ratings, pricing, educational resources, and speed of service, we thinkCredit Saintcomes out on top. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. Customers can expect a robust experience when working with Lexington Law. 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. With that said, Lexington Law is still a noteworthy credit repair firm, but it is best to shop around and see what other options are available. Lexington Law and The Credit People are both top-ranked companies that are well known for providing quality credit repair services. 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. 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. Compared side by side, bothCredit Saintand Lexington Law have comparable pricing, service levels, and speeds of service. With Credit Saint, the initial free review includes a professional analysis of your credit reports. It helps them achieve faster outcomes. Sometimes. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. Lets get started: Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. Founded in 2007 by industry leader Ross LaPietra, Credit Saint is a clear leader when it comes to credit repair. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. They are not accredited and have a C rating. 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. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. We reviewed reputable third-party resources Google Verified Reviews, TrustPilot, Better Business Bureau, and the Consumer Financial Protection Bureau to gauge the brands industry reputation and trust. It was the same year that John C. Heath became the directing attorney. Are you looking to move somewhere new? Monthly pricing is more expensive than Credit Saint. By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. Whos faster Lexington Law or Credit Saint? Seeing tangible results can motivate you to stay on track with maintaining good credit. 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. It also includes a credit analysis component. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. If youre considering a credit repair service, its important to take positive and negative reviews as a whole before you make a decision. 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. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. In a crowded market, it is hard for consumers to choose a credit repair company. The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. Since that time, they've opened offices in 17 states and become licensed in most of the rest. Credit Saint also begins its repair process within 48 hours. For some complaints, they were willing to offer refunds. Lexington Law firm is another large and well-known credit repair agency that offers similar services to Credit Saint. Now, this is not a high-stakes choice. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. Credit Saint offers a 90-day money-back guarantee, while The Credit Pros doesnt make any refund promises. Credit Saint is the oldest credit repair company in the industry. 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? 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. Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer. How Long Does the Process Take? On the downside, it is not a 100% guarantee. This is a trustworthy company and we're not overly concerned about their business practices, but you've got other credit repair services to consider that won't charge quite so much. Both services are trusted leaders in the credit repair industry and are known for delivering reliable services. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. These things suggest the companys customer service pleases its customers. Fortunately, there are ways to remove incorrect items. And this gives you a chance to ask questions and explore your options. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. The biggest determinant of how fast items will be removed from your credit report is not the company you select. All Rights Reserved. Overall, Credit Saint is the cheaper option. 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. Credit Saint has a $99 setup fee for their lower packages and a $195 setup fee for their Clean Slate package, but their monthly costs are less than Lexington Laws. Which one is the best for you? Many common customer complaints include failing to get results, overpromising results, and overcharging for services. Well find out in this Credit Saint review and answer all questions you may have about the company. Credit Saint prices are a little on the higher side especially in comparison to alternatives. In addition to this, there are several other issues that the company can take care of on your behalf. Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. You will need to pay an initial setup fee of $99. These two companies have many similarities but also some differences that may be important when deciding between the two services. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. Its not necessarily a reflection of the quality of their services. Where can you find the best Moving Company? Customers also lose access to Experian monitoring features. The company is an excellent option if youre serious about fixing your credit. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. If you have challenging credit history, it makes all of these things more complex and frustrating. Here is a few list of features included in this plan: As you can see, this package is loaded with helpful features. The package allows customers to go after ten negative items per billing cycle. Both companies are established and highly visible players in the business. Credit Saint has a 45-day repair cycle. This plan costs $119.95/month. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. In 2004, the law firm began focusing on offering credit repair services. You can follow them on their social media pages for updates when they publish new guides. Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint. The online account page also allows clients to submit any feedback forwarded by the bureaus. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. Credit Saint vs. Lexington Law: Whos Better? 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. Go to the official site, sign up for an account, pay the fee, and the company will get to work right away. Our reviewers evaluate products and services based on unbiased research. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. Thats because you will need to work with someone to identify potential dispute candidates. 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. The company charges a high initial work fee up to 195 cases based on the plan you have selected. Credit bureaus have innovated online disputes. Lexington Law offers more value by including cease-and-desist letters and identity protection in their advanced package. Lexington Law may be better prepared to assist customers through negative life events. Not all Credit Saint reviews are positive. So, compared to Credit Saint, its a cheaper option. When going over Credit Saints services, one thing that stands out is that they dont make such promises. However, articles or reviews may contain affiliate links and we may earn a commission. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. With the Credit Remodel package, Credit Saint will dispute up to 10 inaccurately reported items on your credit report. In this The Credit Pros review, well have a look at one such company and gauge if its worth a try or not. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. The team members are mainly based in New Jersey and the New York Metro Area. And if you need to upgrade to another package, you can. Most of the actions taken on your behalf by a credit repair service can be done on your own. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. How have the two services performed when it comes to the level of customer care? If youre serious about repairing your credit and obtaining a good credit score and looking for a credit repair company to help you with the task, Credit Saint is one of the best credit repair companies to consider. In a past comment, they mention that they go after half of the available items to dispute. Credit Saint offers consumers three straightforward packages that are each designed to meet a different need. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. SimpleMoneyLyfe Credit Saint vs. Lexington Law: Who is Better? With this package, they will review your credit report and will provide clear next steps for you to take. Additionally, Lexington Law's most advanced service level is more than Credit Saint's most advanced package option. 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. 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. If we feel this product or service is not to our standards we will not recommend solely due to money. The first step with any credit repair service will likely involve a thorough review of your credit report. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. All three packages come with a $99.00 initial work fee that you pay upfront once in addition to the monthly fee. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. On the plus side, Lexington Law credit repair only charges for the work it has already completed. Credit Takeoff strives to keep our information accurate and up to date. But make sure that you are reviewing companies that provide an equivalent level of service. 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. Free online consultation. Other providers actually specify a minimum credit score improvement. Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? The law firm will provide your TransUnion credit report summary and Transunion FICO score. Lexington Law vs. Credit Saint: Customer Service. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. The plan only allows customers to challenge up to 5 negative entries for each billing cycle. These tools will help you pay off your debt and budget your money. This shouldnt be considered a drawback since no company in this niche can make such promises. This implies they will send out a new round of credit report disputes every 45-days. 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. 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. 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