People lost more than $16 billion due to these cases and the problem is only increasing. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Moreover, this firm is applauded by previous customers who highlight Credit Saints transparent operation and commitment to results. Their four-step process entails: Step 1: Helping clients obtain copies of their credit reports and analyzing them for inaccurate entries to dispute. It all comes down to reputation. 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. Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. They provide various templates you can use when challenging the bureaus and information furnishers. Elsewhere, both companies get generally favorable reviews from former and current clients. Here is a few list of features included in this plan: As you can see, this package is loaded with helpful features. When comparing Credit Saint and Lexington Law, consumers should take note of what educational resources both credit repair companies provide their customers. But there are two questions you need to ask yourself. 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. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. They are trailblazers, innovators, and above all, credit experts. In 2004, the law firm began focusing on offering credit repair services. Offering the first-ever 90-day money-back guarantee in the credit repair industry, Credit Saint is relentlessly consumer-centric. Hiring a credit repair provider can save you a significant amount of time and hassle. Are you looking to move somewhere new? Most services state that you'll see negative items removed from your credit history within the first 90 days. Now, its time for us to render our verdict, and surprisingly, its a tie. Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. During the session with a rep, ask all pressing questions about repairing bad credit and errors. 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 choose this one, you will also have to pay the first-work fee of $195. Credit Saint is a solid choice for credit repair. . Both brands have built up a loyal following and have good reviews on TrustPilot. Copyright 2021 creditfixed.com All Rights Reserved. Compared side by side, bothCredit Saintand Lexington Law have comparable pricing, service levels, and speeds of service. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. The monthly cost for this plan is $119.99 per month. 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. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. 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. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. Credit Saint - The Winner Well find out in this Credit Saint review and answer all questions you may have about the company. For instance, TransUnion says that they conclude most disputes within two weeks. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. Learn more >. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. We were curious how these negative CreditSaint.com reviews were handled. When comparing Lexington Law vs. Credit Saint, its also vital to compare the educational resources. 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. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. Your representative will discuss your credit history in detail, help you identify actionable items, and give you a recommendation for which services are best suited to your needs. Credit Saint also begins its repair process within 48 hours. You know your budget. 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. Lexington Law begins the process as soon as 48 hours. This shouldnt be considered a drawback since no company in this niche can make such promises. 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. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). Lexington Law has a YouTube page where they regularly publish client testimonials and short videos on various credit repair topics. You will need to talk to the agents if you wish to cancel your plan or ask for a refund. Both Credit Saint and Lexington Law charge customers a fee each month for their services. Credit Saint has made strides in addressing its content gap this year. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. Lexington Law and The Credit People are both top-ranked companies that are well known for providing quality credit repair services. Seeing tangible results can motivate you to stay on track with maintaining good credit. 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. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. With Credit Saint, the initial free review includes a professional analysis of your credit reports. Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. Bottom Line: Credit Saint vs. Lexington Law. This means they will send out a new round of credit report disputes every 45-days. Sometimes. Additionally, take advantage of the free credit consultations. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. And if you need to upgrade to another package, you can. All financial products, shopping products and services are presented without warranty. For consumers, Credit Saint is the cheaper option. Top 4 Lenders for Bad Credit Loans: Compare Rates and Terms. IHG Rewards Club Premier Credit Card Review. Credit Saint is better if you are looking to partner with a credit repair company. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. They serve the same function as Credit Saint, which is challenging and disputing items that reflect negatively on your credit report. However, those who are willing to wait are usually the ones who see remarkable results. Monthly fees from $69.95 to $119.95, plus first-work fee equal to one month's payment. These two companies have many similarities but also some differences that may be important when deciding between the two services. 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. If youre shopping around for credit repair services, its something to consider as you compare companies. In our recommendation, Credit Saint outperforms Lexington Law overall. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. 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. Credit Saint BBB rating is pretty impressive. REVIEWED BY Brad Blanchard | September 12, 2022 November 4, 2022. The company is unique because it compromises solicitors with experience in the niche. There is something scary about looking at your credit report and finding items that you do not find justified or valid. Heres a comparison chart to help you understand all the differences between the two companies: Launched a few years after Credit Saint, The Credit Pros has featured on the list of the 5,000 fastest-growing companies in the U.S. for five years in a row. On the other hand, the company appears to address each negative review, which is a positive sign. 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! Overall, online reviewers have positive things to say aboutCredit Saint. 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. Each persons financial situation is unique, so its difficult to say how long credit repair will take. Both companies have been in business for several years and offer quite a bit in terms of credit repair services and additional services. 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. Customers can expect a personalized dashboard to track progress, three credit repair packages to choose from, and a complimentary credit consultation from a credit professional. Each plan varies in offerings and is priced differently. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. 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. We may receive compensation (at no cost to you) when you click on links to those products. Credit Saint vs. Lexington Law. Top Reviews. Its currently under the helm of the original founder, Ross LaPietra. Its not necessarily a reflection of the quality of their services. In this second featured feedback, the client said that she received help from a phenomenal agent who was kind, patient, and understanding. She said she was planning to choose another provider but selected Credit Saint credit restoration services because of how the agent handled her questions and concerns. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. When choosing a credit repair company to work with, there are a few things you need to consider. I love, helping people become smarter about their credit and finances. They will pay an initial setup fee of $99 and only part with $99 for the monthly membership. How Long Does the Process Take? Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. Money.com ranked it as the top credit repair company. Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. 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. However, the biggest takeaway with this package is unlimited disputes. If you are serious about repairing your credit, it makes a good option that is relatively risk-free for the first three months. 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. Their cornerstones include determination, revolutionary, integrity, vision, and excellence. In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. Customers also lose access to Experian monitoring features. Credit Saintand Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. 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. Clean Slate This implies they will send out a new round of credit report disputes every 45-days. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. However, we must mention that it does not make any promises to boost your score or help you reach a certain number. The two businesses provide similar services. Couples discounts & regular work-free promotions. A foreclosure is a process that starts when a borrower fails to pay their mortgage. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. Pena vs. Lexington Law Firm was . The company is also an actual Utah-based law firm that deals with other legal matters as well. The monthly cost for this high aggressive plan is $99.99. The package allows customers to go after ten negative items per billing cycle. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. Credit Saint operates on a 45-day dispute cycle. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. So which one offers the best credit repair services? In the Google Play store alone, Lexington Law has an average 4.5-star rating out of more than 18,000 reviews. The parent company supplies patented technologies used by Lexington Law and other consumer brands such as creditrepair.com and credit.com. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. Who provides the best debt relief? Each text is published after its detailed proofreading. In that time, you will have roughly paid the same fees if you selected either service. One of the key benefits of bad credit loans is their flexibility. Lexington Law, on the other hand, charges $129.95 with a work fee of $129. 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. They bring years of experience to the table and a team of credit repair analysts who are industry veterans. Which foreclosure listing website is the best? 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. Fortunately, there are ways to remove incorrect items. Credit Saintreceives high praise on average from its former and current customers. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. In contrast, Lexington Law's BBB rating is only a C. Review winner: Credit Saint Credit Repair Results of LExington Law Vs. Credit Saint Customers are always encouraged to reach out to the company directly. Our reviewers evaluate products and services based on unbiased research. I worked in the credit repair industry for about 10 years. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. Credit Saint does a simple job it reviews your credit report and addresses factors that can impact it. The firm offers 3 credit repair plans to suit different needs, along with a 90-day money back guarantee. Again, these are things you need to consider. 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. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. Finally, our readers comes first. In business since 2004; Over 70 million removals and 22.3 million challenges and disputes; Has represented over 8.7 million clients; 89% of clients with improvement see an average credit score increase of 40 points (Ad) If youre thinking about signing up with Lexington Law to help repair your credit, youve come to the right place. However, it doesnt come with a guarantee. Actually, their cheapest and most expensive plans differ by about $10. The results are processed in order to detect spammy and fake feedback. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. The law firm will provide your TransUnion credit report summary and Transunion FICO score. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. Unlimited custom disputes are available on each plan. Which blood pressure supplement is the best? This plan costs $119.95/month. They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. Both Credit Saint and Lexington Law will require your full commitment. 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 also offers their customers a 90-day money-back guarantee, which indicates that they care about customer satisfaction, stand behind their product, and strive to obtain actual customer results. These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. That said, Lexington Laws website states that 70 percent of their clients saw their credit scores increase an average of 40 points within six months of using the service. With the facts presented before you, we hope our research provides clarity to your situation. What Happens if You Miss a Credit Card Payment? While Lexington Law receives an impressive number of positive reviews for its app, the companys C rating on the BBB site and lack of accreditation are something to keep in mind. While it doesnt always work, there is still a chance of success. Additionally, Lexington Law's most advanced service level is more than Credit Saint's most advanced package option. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. Sky Blue is one of the oldest repair companies. If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. Most clients see a 40-point increase in their credit score in six months. Your credit score even directly impacts the cost of your New Jersey auto insurance. Are you typically available to make calls during business hours? This makes it easy to monitor your account and the credit repair process on the go. Lets review the details of each package. On the other hand, there are companies that don't deliver what they promise. The last thing you want to do is incur more debt. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. Credit Saint has a 45-day repair cycle. 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. Lexington Law is one of the most reputable credit repair industry players, helping thousands of clients in the US to repair their credit scores and clean their credit reports. So, compared to Credit Saint, its a cheaper option. There are several credit repair companies on the internet and while they all claim to be the best, theyre not made equal. 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. These include: Credit Saint works by preparing custom arguments for each item and can help increase your credit score to help you get more loans at an affordable rate and enjoy a better financial life. Typically, most investigations are concluded within 30 days, but credit bureaus can add 15 days if necessary. Not all Credit Saint reviews are positive. On their BBB.org page, the company responds to complaints within five business days at most. And let me be crystal clear, this package is loaded with features not included in the other two offerings. The platform lags behind in terms of tech and tools. Andrew founded Credit Weld with the vision of providing guidance and solutions for those who are experiencing hardship due to poor credit. 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