If you are working to repair your credit, youve likely spent extensive time trying to. Credit Saint also begins its repair process within 48 hours. Bottom Line: Credit Saint vs. Lexington Law. Credit Sainthas three tiers of services, with pricing that ranges from $79.99 per month to $119.99 per month. You know your budget. It helps them achieve faster outcomes. Lexington Law firm is another large and well-known credit repair agency that offers similar services to Credit Saint. They will pay an initial setup fee of $99 and only part with $99 for the monthly membership. Credit Saint operates on a 45-day dispute cycle. Monthly fees from $69.95 to $119.95, plus first-work fee equal to one month's payment. Credit Saint is the oldest credit repair company in the industry. We'd love to have you join our community! So, compared to Credit Saint, its a cheaper option. You can choose from three plans. 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. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. On the other hand, there are companies that don't deliver what they promise. Mike is a recognized credit expert and founder of Credit Takeoff. And a credit repair company may come to the rescue. So far, over 1,000 people have left comments and they maintain a 4.4/5 rating. Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. BothCredit Saintand Lexington Law offer three pricing levels with comparable costs at each level of service. Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. Copyright 2021 creditfixed.com All Rights Reserved. Most services state that you'll see negative items removed from your credit history within the first 90 days. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. People lost more than $16 billion due to these cases and the problem is only increasing. On average, customers subscribe for six months of service. Credit Saint comes with both pros and cons. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. Unfortunately, not everyone understands what goes into a positive credit history. This shouldnt be considered a drawback since no company in this niche can make such promises. Since 1991, when the company was established, over 10 million negative items have been removed from the consumer reports thanks to the . This plan costs $119.95/month. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. Customers typically mention the names of paralegals who intervened in their cases. If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. Many common customer complaints include failing to get results, overpromising results, and overcharging for services. The PremierPlus package is Lexington Laws most advanced credit repair plan. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. It covers the work performed in preparing the first round of disputes. Credit Saint BBB rating shows that the company is reliable and loved by people. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. For instance, Lexington charges a basic set up fee of $100. They must make a reasonable faith effort to resolve grievances raised by customers. Customers expect to see immediate results. This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. Most of the actions taken on your behalf by a credit repair service can be done on your own. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. Call us today to take advantage of our no-obligation offer. Each plan varies in offerings and is priced differently. 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. 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. If you add a family member from the same household to the service, Credit Saint will waive the $99.00 initial work fee for this member (or members). The platform lags behind in terms of tech and tools. No clear statistics about how many challenges and deletions theyve successfully entered through the years to improve or repair peoples credit. When you sign up for aCredit Saintaccount, you also get access to a customer dashboard. Many educational resources on the Lexington Law website help customers understand credit scores and how to improve them. 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. Credit Polish is Credit Saints most basic credit repair package. 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. Credit Saint and Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. On the other hand, Credit Saint has not been specific about its use of electronic disputes. 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. If you only need one or two negative items from your credit report, then this plan is a great place to start. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. Thats because you will need to work with someone to identify potential dispute candidates. Additionally, Lexington Law's most advanced service level is more than Credit Saint's most advanced package option. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. Customers also lose access to Experian monitoring features. Other providers actually specify a minimum credit score improvement. Here is a few list of features included in this plan: As you can see, this package is loaded with helpful features. That's where credit repair services enter the picture. 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. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. Credit Saint has made strides in addressing its content gap this year. Both Credit Saint and Lexington Law offer unique credit repair packages. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee Where can you find the best, most affordable online doctors? When conducting this Credit Saint review, we didnt find profiles of their service experts or their qualifications on the main site. It is one of the few companies that have an A+ Better Business Bureau rating. 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. Your credit score could, Wondering if a 550 credit score is good or bad? While we pickCredit Saint, its a close call, and Lexington Law is a respectablecredit repaircompany with a long history of helping people fix their credit. They only facilitate the process but they dont control what gets removed. When going over Credit Saints services, one thing that stands out is that they dont make such promises. Overall, the process takes as long as needed to remove as many negative items from your report as possible. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. In addition, they provide resources to help you repair and improve your credit score and maintain it in the long term. provides you will all of the features included in the standard plan and the addition of Credit Report Watch Alerts. So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. Lexington Law provides better tools, and we particularly like their focus tracks. The company is also an actual Utah-based law firm that deals with other legal matters as well. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. Based on our analysis of both companies customer ratings, pricing, educational resources, and speed of service, we thinkCredit Saintcomes out on top. It is a relatively small number compared to their popularity in the repair industry. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. Again, these are things you need to consider. Both services are trusted leaders in the credit repair industry and are known for delivering reliable services. Gerald is the founder and editor-in-chief of CreditFixed.com. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. This makes it easy to monitor your account and the credit repair process on the go. We only recommend products or services that we would use ourselves and have gone through a significant amount of research before posting. Lexington Law may be better prepared to assist customers through negative life events. 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. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. How did we arrive at this conclusion? 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. 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. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. Pena vs. Lexington Law Firm was . Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. During the session with a rep, ask all pressing questions about repairing bad credit and errors. Over 850,000 clients in the last 10 years. Lexington Law will: As we said, this is a basic package. Lexington Law vs. Credit Saint: Which One is Faster? Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. 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. While both companies are BBB accredited, Credit Pros has a current rating of B+. Sky blue charges up front. The service has accumulated about 47 complaints on its BBB.org page in the last three years. Lexington Law vs Credit Saint: Whos Better? Now, this does not mean that they will allow you to challenge all negative entries at once. These errors can impact your score and lead to issues in the future. If youre shopping around for credit repair services, its something to consider as you compare companies. Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. There are several credit repair companies on the internet and while they all claim to be the best, theyre not made equal. There are a lot of credit repair companies to choose from, and it can be hard to know which one is the best fit for your needs. Its currently under the helm of the original founder, Ross LaPietra. Lexington Law boasts of its effectiveness on its website by providing data that backs up the fact that they receive real results for their customers. 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. 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. You also get disputes for bankruptcies and repossessions. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. The firm offers 3 credit repair plans to suit different needs, along with a 90-day money back guarantee. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. Like us? 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. Credit Saint can improve it by removing items that appear incorrect due to issues such as administrative errors, calculation errors, etc. 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. Takeaways for Choosing Between Lexington Law and Credit Saint. Credit Saint operates on a 45-day dispute cycle. We were curious how these negative CreditSaint.com reviews were handled. These are things to consider as you begin to repair your credit. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. 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. In this highlighted review, the client complained about not seeing any removal but getting charged for the service. It takes time to file disputes with all three credit bureaus, review your credit report, and identify what items can be removed. They do this by taking the fight to the individual creditors. Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. 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. Choose which one will help you the most. Over 13 years of experience in credit repair companies and finance. Offering the first-ever 90-day money-back guarantee in the credit repair industry, Credit Saint is relentlessly consumer-centric. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. On the other hand, Lexington Law is quite vague regars to the speed of their service. 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. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. The team members are mainly based in New Jersey and the New York Metro Area. Lexington law comes off as the better service when it comes to free credit guides. 2019 - 2023 SimpleMoneyLyfe LLC. While it is pretty reliable and popular, it doesnt have a very good BBB rating, unlike Credit Saint. The wrong loan and credit card balances listed. Learn more >. Unlike Credit Saint, where most clients accept the response given by the firm, there are several instances where customers have rejected Lexingtons Laws responses. Protection against identity theft services. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. 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