In the Google Play store alone, Lexington Law has an average 4.5-star rating out of more than 18,000 reviews. For instance, while Credit Saint offers a 90-day money-back guarantee, its still subject to many conditions. 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. Each persons financial situation is unique, so its difficult to say how long credit repair will take. The team even sent his day one and final-day credit report showing the positive changes after their repair process. We may receive compensation (at no cost to you) when you click on links to those products. However, in our opinion, the best bang for your buck is Credit Saint. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. 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. 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. 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. The results are processed in order to detect spammy and fake feedback. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. However, note that it comes with certain conditions. Thats when the paralegal will reach out after you purchase a package. You will find many Credit Saint reviews on the Internet. As mentioned earlier, there are many companies offering similar services. Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. Its not necessarily a reflection of the quality of their services. In this The Credit Pros review, well have a look at one such company and gauge if its worth a try or not. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. Customers are always encouraged to reach out to the company directly. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. Credit Saintand Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. Now, if Credit Saint fees are out of your reach, keep in mind that its possible to replicate the same results. Andrew is a credit expert with over 20 years of experience in the industry. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. BothCredit Saintand Lexington Law offer three pricing levels with comparable costs at each level of service. 2019 - 2023 SimpleMoneyLyfe LLC. All three credit repair packages come with a 90-day money-back guarantee, and you can cancel any time without penalty. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. Additionally, Lexington Law's most advanced service level is more than Credit Saint's most advanced package option. 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. Credit Saint has a better basic package as it includes the score tracker and score analysis. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. Private Dashboard Talk to us as much or as little as you like. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. Top Products. These two questions will help you uncover the truth. Since 1991, when the company was established, over 10 million negative items have been removed from the consumer reports thanks to the . 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. That's where credit repair services enter the picture. They choose to issue refunds in some situations and use friendly language when responding to customers. However, articles or reviews may contain affiliate links and we may earn a commission. These two companies have many similarities but also some differences that may be important when deciding between the two services. We were curious how these negative CreditSaint.com reviews were handled. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. Most services state that you'll see negative items removed from your credit history within the first 90 days. Furthermore, repairing your credit is not an overnight fix. Regular membership goes for $119.99. 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. Like us? According to the CFPB, this behavior was unlawful, as federal statutes prohibit credit repair companies from taking any money from customers until the company has done work on the customers behalf. So, all-in-all, this package is not that different from their Clean Slate offering. The company is an excellent option if youre serious about fixing your credit. **The trust value is based on our independent research. This can offer a great deal of peace of mind when youre worried about getting yourcredit score back on track. 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. 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. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. Over 13 years of experience in credit repair companies and finance. Having said this, Lexington Law still takes time to respond to complaints. 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. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. They also offer a 90-day money-back guarantee if you do not see any questionable items removed from your credit report during that time. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. In our recommendation, Credit Saint outperforms Lexington Law overall. Overall, the process takes as long as needed to remove as many negative items from your report as possible. Now, this does not mean that they will allow you to challenge all negative entries at once. There is something scary about looking at your credit report and finding items that you do not find justified or valid. These options range from basic to aggressive credit repair services. Credit Saint vs. Lexington Law Credit Repair. This information may be different than what you see when you visit a financial institution, service provider or specific products site. 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. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. 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. 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! You will find many Credit Saint reviews on the Internet. 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. You can follow them on their social media pages for updates when they publish new guides. It is quick and easy, but dont expect tailored insight or advanced credit repair options. They serve the same function as Credit Saint, which is challenging and disputing items that reflect negatively on your credit report. Lets review the details of each package. Sometimes. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. There is something scary about looking at your credit report and finding items that you do not find justified or valid. But there are two questions you need to ask yourself. There is a one-time $195 sign-up fee, and then youll pay $119.99 every month youre enrolled. And a credit repair company may come to the rescue. Lexington Law also offers its own smartphone app, which is available for both Apple and Android devices. Fret not, Credit Saint is known for fighting tooth and nail with your debt collectors and all three credit bureaus. It has a C rating with the BBB and is not an accredited BBB company. Credit Saint can improve it by removing items that appear incorrect due to issues such as administrative errors, calculation errors, etc. Credit Saint BBB rating shows that the company is reliable and loved by people. It has one of the best guarantees in the industry, which can be a great reason to give it a try. We only recommend products or services that we would use ourselves and have gone through a significant amount of research before posting. Lexington law comes off as the better service when it comes to free credit guides. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. The companys LinkedIn profile shows that they have about 43 employees. Money.com ranked it as the top credit repair company. Lexington Law vs Credit Saint: Whos Better? If you're facing an ever-increasing pile of "past due" notices, threatening letters from the IRS, and credit card statements where Where should you sign up as a mystery shopper? Unlimited custom disputes are available on each plan. 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. Both companies have been in business for several years and offer quite a bit in terms of credit repair services and additional services. Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. Finally, Lexington Laws active pending lawsuit has slightly damaged its reputation among credit repair companies. 1-833-333-8277 Cody Johnson, Managing Attorney, John C. Heath, Attorney at Law, PC, d/b/a Lexington Law Firm, 20620 North 19th Avenue, Phoenix, Arizona 85027 As previously stated, they are known to help consumers with severe credit problems. Credit Takeoff is reader-supported. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. All three packages come with a $99.00 initial work fee that you pay upfront once in addition to the monthly fee. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. (2023), Lexington Law vs. Credit Saint: Credit Repair Packages and Price, Credit Saint vs. Lexington Law: Educational Resources. In a past comment, they mention that they go after half of the available items to dispute. Additionally, looking at customer reviews shows that Lexington Law has significantly more negative reviews than Credit Saint. You will need to talk to the agents if you wish to cancel your plan or ask for a refund. The client liked that Jordan recommended a plan that was suitable for his needs. Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Additionally, take advantage of the free credit consultations. This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. Based on our analysis of both companies customer ratings, pricing, educational resources, and speed of service, we thinkCredit Saintcomes out on top. How does this package stack up to Credit Saints Credit Remodel package? Copyright 2021 creditfixed.com All Rights Reserved. What Happens if You Miss a Credit Card Payment? There are several credit repair companies on the internet and while they all claim to be the best, theyre not made equal. Most credit repair services offer a free consultation, to determine if you're eligible for their help and which approach to take in your specific case. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. Credit Saint vs. Lexington Law: Who is Better? 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. Plus, it is BBB accredited with very few complaints under the belt. Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. 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. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. Here are the details: The cheapest plan starts as low as $79.99. Customers can expect a robust experience when working with Lexington Law. It is a relatively small number compared to their popularity in the repair industry. The Clean Slate package is Credit Saints most aggressive credit repair plan. Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. A foreclosure is a process that starts when a borrower fails to pay their mortgage. Lexington Law is one of Credit Saints major competitors. Lexington Law is the biggest advertiser thus they have the biggest problem now. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. The plan only allows customers to challenge up to 5 negative entries for each billing cycle. 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? They will go over specific details of your credit history and offer additional techniques for improving your scores. Both companies are established and highly visible players in the business. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. This process takes time, and you certainly do not want to take a shortcut. Lets take a closer look at their pricing packages and provided features: Creditsaint allows customers to choose from three pricing packages: Its their most advanced package, and customers will pay an initial work fee of $195. 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