It takes time to file disputes with all three credit bureaus, review your credit report, and identify what items can be removed. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. 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. Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. For instance, while Credit Saint offers a 90-day money-back guarantee, its still subject to many conditions. These tools will help you pay off your debt and budget your money. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. Lexington Law begins the process as soon as 48 hours. In contrast, Lexington Law's BBB rating is only a C. Review winner: Credit Saint Credit Repair Results of LExington Law Vs. Credit Saint Both brands have built up a loyal following and have good reviews on TrustPilot. You will find many Credit Saint reviews on the Internet. In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. For this reason, many people enlist the help of a credit repair company to assist with the task. Each plan varies in offerings and is priced differently. 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 Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. Sky blue charges up front. So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. If we feel this product or service is not to our standards we will not recommend solely due to money. The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. 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. It also includes a credit analysis component. For instance, TransUnion says that they conclude most disputes within two weeks. Other than that, you still get all the extra features available on the Clean Slate package. For consumers, Credit Saint is the cheaper option. Which foreclosure listing website is the best? Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. 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. 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. Contact us today to learn more and find out about our additional services. You know your budget. In addition to this, there are several other issues that the company can take care of on your behalf. All financial products, shopping products and services are presented without warranty. Andrew is a credit expert with over 20 years of experience in the industry. 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. 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. In this The Credit Pros review, well have a look at one such company and gauge if its worth a try or not. Credit Saint operates on a 45-day dispute cycle. On the other hand, if youre thinking about hiring acredit repair company, you should review all your options so you can be confident youre making the best choice for your unique situation. Creditrepair.com maintains an advantage when it comes to tools and technology. Sky Blue is one of the oldest repair companies. Credit Saint works in 45-day cycles. Where can you find the best Moving Company? Lexington Law currently has a pending federal lawsuit that alleges deceptive and unlawful marketing and billing practices (the company is currently disputing the suit and has filed a motion to dismiss it). Credit Takeoff is reader-supported. Credit Saint is a solid choice for credit repair. With the facts presented before you, we hope our research provides clarity to your situation. The positive BBB rating of Credit Saint suggests that the company has good customer service and handles complaints and inquiries satisfactorily. When analyzing the professionalism of their customer support reps, we also reviewed how they respond to complaints. When comparing Credit Saint and Lexington Law, consumers should take note of what educational resources both credit repair companies provide their customers. 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. You shouldn't expect miraculous, rapid increases in your credit score - most credit repair processes result in a modest increase of about 40 points, though some may bring you up by 100 points or more - but it could be what makes the difference for your financial goals and credit needs. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. gives customers the benefits of the lower-level services and TransUnion FICO score, lost wallet protection, a Personal Finance Manager, and Junk Mail Reducer service. It was the same year that John C. Heath became the directing attorney. When going over Credit Saints services, one thing that stands out is that they dont make such promises. The PremierPlus package is Lexington Laws most advanced credit repair plan. The only claim to dispute nonfactual information in the credit report. 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. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. in-depth review of Lexington Law, click here. Bottom Line: Credit Saint vs. Lexington Law. Credit Saint also begins its repair process within 48 hours. You can also have a better feel of their customer service quality by obtaining their free consultation. Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. While both companies are BBB accredited, Credit Pros has a current rating of B+. For some complaints, they were willing to offer refunds. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. (2023). But, we can earn commissions when you click on affiliate links to one or more of our advertisers. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. Then you'll be billed $80 per month (or more), with la carte pressing options available for extra features or services. Credit Saint offers consumers three straightforward packages that are each designed to meet a different need. 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. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. The company offers excellent customer support and the agents are very friendly. This process takes time, and you certainly do not want to take a shortcut. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. Their website contains more information, and you dont have to guess about what services they provide. There are so many different ways to go. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. From here, you can get status updates, progress reports, and other information about your account and your credit. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. Credit bureaus have innovated online disputes. The online account page also allows clients to submit any feedback forwarded by the bureaus. For instance, the company lacks a service guarantee. The last thing you want to do is incur more debt. The goal of the founders was to revolutionize the repair industry. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. Its the time taken by credit bureaus to carry out reinvestigations. Over 850,000 clients in the last 10 years. You can follow them on their social media pages for updates when they publish new guides. 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). Purchases made through links may earn a commission. Credit Saint offers their cheapest package for $79 per month. Are you looking to move somewhere new? Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. Is Credit Saint or Lexington Law Cheaper? We were curious how these negative CreditSaint.com reviews were handled. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months. Credit repair is just like it sounds: a process by which your credit history and score are improved. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. They do this by taking the fight to the individual creditors. This service which analyzes the positives, includes coaching you on ways to pay your bills and open/close credit cards to maximize your credit score. 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. The two businesses provide similar services. Credit Saint vs. Lexington Law. On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. Credit repair involves identifying issues with your credit report, Our Ovation Credit review 2022 reaffirms the companys commitment to personalized credit repair. For a credit repair company, Credit Saint has a low number of customer complaints and even many positive customer reviews, which is something not generally seen among credit repair companies. Do you want to know how to get a 700 credit score in 90 days? That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. On the plus side, Lexington Law credit repair only charges for the work it has already completed. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. This implies they will send out a new round of credit report disputes every 45-days. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. 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. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. Credit Saint customers know that they can get their money back if there have been no removals in 90 days. Again, these are things you need to consider. 8.2 million removals and 26+ million challenges and disputes since 2012. The main office is in Mahwah, New Jersey. If you are looking for a good option for a guarantee, Credit Saint offers a 90-day money-back guarantee if it can't remove any items from your credit report within the first 90 days. 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. Lexington Law may be better prepared to assist customers through negative life events. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. Copyright 2021 creditfixed.com All Rights Reserved. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. On the other hand, there are companies that don't deliver what they promise. However, those who are willing to wait are usually the ones who see remarkable results. The company appears to be doing well in this department. The goal of the founders was to revolutionize the repair industry. Both Credit Saint and Lexington Law will require your full commitment. 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. Overall, the process takes as long as needed to remove as many negative items from your report as possible. Lexington Laws basic service package provides access to bureau challenges and creditor interventions. Most of the actions taken on your behalf by a credit repair service can be done on your own. And this gives you a chance to ask questions and explore your options. They will help you dispute errors on your credit report,remove late payments, and more. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. Free consultation and 90-day money-back guarantee. The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. They bring years of experience to the table and a team of credit repair analysts who are industry veterans. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. On the other hand, Lexington Law is quite vague regars to the speed of their service. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. However, the biggest takeaway with this package is unlimited disputes. Now, what features do you get? Both companies are established and highly visible players in the business. All of us feel a little overwhelmed sometimes, and it's nice to have support when times are rough. 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. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. 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. Credit Saintalso offers a no-strings 90-day money-back guarantee. How does this package stack up to Credit Saints Credit Remodel package? Here are some of the main advantages of choosing this repair firm: With some pros come some cons; here they are: Lets start with positive Credit Saint reviews, and theyre literally everywhere you look. Who can you trust when looking for the best payday loans? Lexington Law and The Credit People are both top-ranked companies that are well known for providing quality credit repair services. 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