The Lexington Law firm provides three pricing options: Compared to Credit Saints Clean Slate plan, the Advanced plan certainly has more features, and its only going to cost you $129.95, about $10 more. They have a polished team of professionals that understands the business well. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. 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 well-known credit repair companies that may be able to help you get your credit back on track. When analyzing the professionalism of their customer support reps, we also reviewed how they respond to complaints. During the session with a rep, ask all pressing questions about repairing bad credit and errors. Unfortunately, not everyone understands what goes into a positive credit history. 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. From removing negative items to filing disputes with all three credit bureaus, and everything in between, they possess the talent and knowledge to do it all. When you sign up for aCredit Saintaccount, you also get access to a customer dashboard. They have two affordable packages, going for $79 and $109 per month. Top Consumer Reviews may earn money when you click on a link. Lexington Laws basic service package provides access to bureau challenges and creditor interventions. On the other hand, there are companies that don't deliver what they promise. Overall, the process takes as long as needed to remove as many negative items from your report as possible. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. Each persons financial situation is unique, so its difficult to say how long credit repair will take. The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. In 2004, the law firm began focusing on offering credit repair services. They only facilitate the process but they dont control what gets removed. If youre shopping around for credit repair services, its something to consider as you compare companies. A good credit repair company will not only help you remove negative items from your credit report from late payments to identity theft, but they will also help you understand your credit score and guide you on how to boost your score and keep it on track long-term. The company website has an educational blog that provides customers with valuable information about credit repair. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. Actually, their cheapest and most expensive plans differ by about $10. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. If you have challenging credit history, it makes all of these things more complex and frustrating. Not all Credit Saint reviews are positive. Overall, online reviewers have positive things to say aboutCredit Saint. It was the same year that John C. Heath became the directing attorney. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. On the downsides, Lexington Law also charges a first work fee. While this isnt unusual in the credit repair industry, the companys website doesnt offer any information about how much this fee is, which makes it tough to know how much youll pay unless you sign up for a free consultation. Hiring a credit repair provider can save you a significant amount of time and hassle. No clear statistics about how many challenges and deletions theyve successfully entered through the years to improve or repair peoples credit. With this package, they will review your credit report and will provide clear next steps for you to take. These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. 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. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. Credit bureaus have innovated online disputes. The PremierPlus package is Lexington Laws most advanced credit repair plan. In a past comment, they mention that they go after half of the available items to dispute. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. Customers also like tracking their results and always seeing where they are in the credit repair process. 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 has a company mobile app (Apple and Android) where you can monitor account progress from the convenience of your phone. And if you need to upgrade to another package, you can. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. These things suggest the companys customer service pleases its customers. If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. Credit Saints cost is justified by its amazing features, including the reliable money-back guarantee. These two companies have many similarities but also some differences that may be important when deciding between the two services. For instance, Lexington charges a basic set up fee of $100. So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. 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. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. They choose to issue refunds in some situations and use friendly language when responding to customers. They also have mobile apps for easier progress tracking. Lexington Law provides better tools, and we particularly like their focus tracks. If you only need one or two negative items from your credit report, then this plan is a great place to start. We only recommend products or services that we would use ourselves and have gone through a significant amount of research before posting. However, there are a few things consumers should know. Most of the actions taken on your behalf by a credit repair service can be done on your own. Their website contains more information, and you dont have to guess about what services they provide. Credit Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. This makes it easy to monitor your account and the credit repair process on the go. Copyright 2021 creditfixed.com All Rights Reserved. Rosales vs. Lexington Law Firm was filed in Nebraska in 2017 and claimed violations of the Telephone Consumer Protection Act (TCPA) and Fair Credit Reporting Act. In contrast, Lexington Law's BBB rating is only a C. Review winner: Credit Saint Credit Repair Results of LExington Law Vs. Credit Saint Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. Let's [] And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. Both companies are established and highly visible players in the business. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. Additionally, take advantage of the free credit consultations. Additionally, looking at customer reviews shows that Lexington Law has significantly more negative reviews than Credit Saint. Customers must receive a free credit consultation with Lexington Law to receive complete pricing. The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. 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. Thats because you will need to work with someone to identify potential dispute candidates. On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. 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. How have the two services performed when it comes to the level of customer care? Both services are trusted leaders in the credit repair industry and are known for delivering reliable services. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. Credit Repair. Offering the first-ever 90-day money-back guarantee in the credit repair industry, Credit Saint is relentlessly consumer-centric. I love, helping people become smarter about their credit and finances. 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. The last thing you want to do is incur more debt. In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. If there have been deletions within 90 days, Credit Saint may not issue the refund. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. It takes time to file disputes with all three credit bureaus, review your credit report, and identify what items can be removed. Citi is an advertising partner. Credit Saint comes with both pros and cons. It also enjoys anA ratingfrom the Better Business Bureau (BBB) and its one of a handful of credit repair companies accredited by the BBB. Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. 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. Stay up to date with the latest reviews. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. Top Reviews. The positive BBB rating of Credit Saint suggests that the company has good customer service and handles complaints and inquiries satisfactorily. This package is more hands-on and gives the customer more control over the entire credit repair process. Credit Saint can improve it by removing items that appear incorrect due to issues such as administrative errors, calculation errors, etc. As previously stated, they are known to help consumers with severe credit problems. In that time, you will have roughly paid the same fees if you selected either service. They will pay an initial setup fee of $99 and only part with $99 for the monthly membership. Where can you find the best, most affordable online doctors? While both companies are BBB accredited, Credit Pros has a current rating of B+. Takeaways for Choosing Between Lexington Law and Credit Saint. Customers are always encouraged to reach out to the company directly. Unlike Credit Saint, where most clients accept the response given by the firm, there are several instances where customers have rejected Lexingtons Laws responses. Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. It also includes a credit analysis component. Today, they continue offering technology-supported credit repair services thanks to their partnership with Progrexion Holding. In our recommendation, Credit Saint outperforms Lexington Law overall. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. 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. Do you want to know how to get a 700 credit score in 90 days? The service has accumulated about 47 complaints on its BBB.org page in the last three years. Lexington Law leverages this process to fix their clients' credit. Credit Takeoff is reader-supported. Anything over 700 is considered to be "good" and can be the key to opening doors financially - everything from renting an apartment to securing an auto loan or mortgage may rest on your credit report. Most services state that you'll see negative items removed from your credit history within the first 90 days. The wrong loan and credit card balances listed. 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. I worked in the credit repair industry for about 10 years. 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. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. 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. In business since 2004,Credit Sainthas been helping people repair their credit for nearly two decades, making it one of the oldest credit repair companies in the industry. Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. Credit Saint is better if you are looking to partner with a credit repair company. With Clean Slate, you get unlimited challenges to all three credit bureaus, inquiry targeting, score analysis, creditor interventions, score tracker, Experian monitoring, and cease & desist letters. It allows for unlimited disputes during each billing cycle. Its the time taken by credit bureaus to carry out reinvestigations. REVIEWED BY Brad Blanchard | September 12, 2022 November 4, 2022. Lexington Law, on the other hand, charges $129.95 with a work fee of $129. This is one of the biggest misconceptions with the credit repair industry. A foreclosure is a process that starts when a borrower fails to pay their mortgage. A lot of companies in 2022 promise to Disclaimer: We provide free content for our users. (2023). Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. Most clients see a 40-point increase in their credit score in six months. Our reviewers evaluate products and services based on unbiased research. Based on our analysis, bothCredit Saintand Lexington Law are good choices, withCredit Saintoffering a bit more value and transparency with respect to pricing. Stay clear of any firms that may be making wild claims, such as the ability to boost your scores by 100 points in two weeks. However, we must mention that Credit Saint does not make any such promises and there is no guarantee that the removal of any item will cause your credit score to improve. Rejected bankruptcies and defunct collection accounts. Credit Saint - The Winner It was the same year that John C. Heath became the directing attorney. On the other hand, Lexington Law is quite vague about the speed of their service. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. We break down the benefits and possible drawbacks of both services, so you can choose whichcredit repairservice is right for you. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. 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. 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. You will need to talk to the agents if you wish to cancel your plan or ask for a refund. Many educational resources on the Lexington Law website help customers understand credit scores and how to improve them. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. This plan costs $119.95/month. provides you will all of the features included in the standard plan and the addition of Credit Report Watch Alerts. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. 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. Its a great place to see their office photos too. Top Consumer Reviews. The step below PremierPlus is Concord Premier. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. Lexington Law offers more value by including cease-and-desist letters and identity protection in their advanced package. Additionally, Concord Premier will not help you with identity theft. 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. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. Note that bbb.org is not the primary channel for raising or addressing complaints. But if you are serious about repairing your credit, then you need to approach this situation with a long-term mindset. Where can you find the best online couples therapy? (2023), Lexington Law vs. Credit Saint: Credit Repair Packages and Price, Credit Saint vs. Lexington Law: Educational Resources. All financial products, shopping products and services are presented without warranty. However, in our opinion, the best bang for your buck is Credit Saint. 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. An achievement that should not go unnoticed. The company is an excellent option if youre serious about fixing your credit. Credit Saint is a repair company that was established in 2004 with the sole purpose of helping Americans fix their shaky credit histories.. How Long Does the Process Take? How Long Does It Take to Repair Your Credit? But there are two questions you need to ask yourself. Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. You can choose from a variety of repair plans according to your requirements and budget. The company charges a high initial work fee up to 195 cases based on the plan you have selected. Lexington Law will: As we said, this is a basic package. They also expect customers to have made timely payments in the past. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. This plan costs customers $139.95/month. The companys LinkedIn profile shows that they have about 43 employees. This is said to be one of Credit Saints most popular plans and it comes with the following features: People who spend a lot can consider this plan as it is the companys most expensive plan starting at $119.99 a month. Lexington Law vs. Credit Saint: Which One is Faster? Other providers actually specify a minimum credit score improvement. However, articles or reviews may contain affiliate links and we may earn a commission. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law. Transparent, and identify what items can be done on your behalf a! About $ 10 depend on your own on affiliate links and we may earn commission. Affordable packages, going for $ 79 and $ 109 per month with a corresponding setup fee of 100! Law will: as we said, this is one of the free credit consultations will depend your. 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