And a credit repair company may come to the rescue. 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. Lexington Law vs. Credit Saint: Customer Service. It also includes a credit analysis component. Rather than jumping to conclusions, we will first present facts about the two credit repair services. While it is pretty reliable and popular, it doesnt have a very good BBB rating, unlike Credit Saint. Credit repair services typically charge a one-time setup fee and monthly service fees. Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Credit saint vs. Lexington law Which one is the best? 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. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. The company goes beyond the scope of a traditional credit repair services provider by offering excellent resources and free consultation, which can be a great way to get started. Credit Saint vs. Lexington Law Credit Repair. You can choose from a variety of repair plans according to your requirements and budget. You know your budget. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. 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. Top 4 Lenders for Bad Credit Loans: Compare Rates and Terms. For some complaints, they were willing to offer refunds. 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. 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. There are several credit repair companies on the internet and while they all claim to be the best, theyre not made equal. On the other hand, Credit Saint has not been specific about its use of electronic disputes. For instance, the company lacks a service guarantee. 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. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. Credit Saint customers know that they can get their money back if there have been no removals in 90 days. 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. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. Additionally, looking at customer reviews shows that Lexington Law has significantly more negative reviews than Credit Saint. Credit Saints cost is justified by its amazing features, including the reliable money-back guarantee. Their cheapest plan goes for $69, which means that youll pay less than if you got the Credit Saints Credit Polish package at $79.99. UnlikeCredit Saint, however, Lexington Law is not accredited by the BBB. Andrew is a credit expert with over 20 years of experience in the industry. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Citi is an advertising partner. 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. How Long Does the Process Take? Offering the first-ever 90-day money-back guarantee in the credit repair industry, Credit Saint is relentlessly consumer-centric. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? Its one of the biggest highlights of the service and a recurring theme in their customer reviews. Credit Saint responded by saying that a manager had reached out to the client after confirming that there were removals for his account. The site is designed to help consumers repair credit reports and improve their financial standing. There is something scary about looking at your credit report and finding items that you do not find justified or valid. Credit Saint is a solid choice for credit repair. Who wins the Credit saint vs. Lexington law pricing war? They have two affordable packages, going for $79 and $109 per month. Note that bbb.org is not the primary channel for raising or addressing complaints. . Additionally, Credit Saint has not been involved in any lawsuits brought about by disgruntled customers or the Consumer Financial Protection Bureau (CFPB). Like we said earlier, repairing your credit is a long process. You've heard of couples therapy, but what is it and whom is it for? You know your credit situation better than anyone else, so take this decision seriously. Over 850,000 clients in the last 10 years. They then create customized challenge letters for these items and send them to the credit bureaus for a response. They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. SimpleMoneyLyfe Credit Saint vs. Lexington Law: Who is Better? Using the incorrect name, address, or Social Security number. 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. Couples discounts & regular work-free promotions. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. Now, this is not a high-stakes choice. Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. A 550 credit score is, Building or improving credit can be overwhelming. This implies they will send out a new round of credit report disputes every 45-days. If youre undecided about credit repair,Credit Saintoffers a complimentary consultation, so you can ask questions and get more information about their services. Overall, Credit Saint is the cheaper option. Disclaimer: We offer completely free content to our users. Lexington Law is one of Credit Saints major competitors. 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. Lexington law comes off as the better service when it comes to free credit guides. 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. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. 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. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. Go to the official site, sign up for an account, pay the fee, and the company will get to work right away. Lexington Law provides better tools, and we particularly like their focus tracks. They are trailblazers, innovators, and above all, credit experts. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. Not only is Credit Saint a BBB accredited business, but all programs come with Credit Saint's 90-day Money Back Guarantee. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. 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. However, it doesnt come with a guarantee. Credit Saint edges Lexington Law when it comes to offering downright friendly services. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. 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. Each text is published after its detailed proofreading. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. How Long Does It Take to Repair Your Credit? At the same time that they review the negative items on your report, they also look at and analyze the positive things they see and provide guidance on how you can continue with these things to improve your score. Customers also like tracking their results and always seeing where they are in the credit repair process. Fret not, Credit Saint is known for fighting tooth and nail with your debt collectors and all three credit bureaus. If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. Credit Saint has a 45-day repair cycle. Now, its time for us to render our verdict, and surprisingly, its a tie. They bring years of experience to the table and a team of credit repair analysts who are industry veterans. One of the key benefits of bad credit loans is their flexibility. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. Think about a loan that you never took but it appears on your report due to an administrative error. Before making a decision about a credit repair service, its a good idea to read through the positive and negative reviews so you can get a feel for the pros and cons of each service. For this reason, many people enlist the help of a credit repair company to assist with the task. It is a well-known credit repair company in the industry that offers some great features. 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. This package is more hands-on and gives the customer more control over the entire credit repair process. 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 bills this package as the most aggressive. In 2004, the law firm began focusing on offering credit repair services. Credit Saintand Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. As with any credit repair service, the length of time required to see movement in your score depends on your unique situation. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. The client liked that Jordan recommended a plan that was suitable for his needs. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. Each credit repair firm offers a dedicated customer service line for clients that can help answer any questions you may have. is the very high aggressive plan offered by Credit Saint. Credit Saint is a credit repair company that helps consumers repair their credit. 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. 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. They claim that this helps them fastrack the preparation of the initial first round of disputes. A live agent will also contact you to talk about the details of your credit history. Both firms also offer free consultations. At this level,Credit Saintoffers unlimited disputes each dispute cycle, plus all the features included in the Credit Polish and Credit Remodel packages. For consumers, Credit Saint is the cheaper option. Lexington Law vs Credit Saint: Whos Better? Plus, it is BBB accredited with very few complaints under the belt. This process takes time, and you certainly do not want to take a shortcut. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. Copyright 2021 creditfixed.com All Rights Reserved. Both Credit Saint and Lexington Law will require your full commitment. Consistently ranked as the top service on finance sites, Offers unlimited challenges per dispute cycle, Free non-obligatory credit repair consultation, Tailors services and disputes to each situation, 90-day refund policy means a worry-free service, Offers education on other ways to optimize scores, Intuitive dashboard for tracking challenges, Responds to complaints with care and attention. But for now, Lexington Law offers more educational resources. Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Here are the details: The cheapest plan starts as low as $79.99. The platform lags behind in terms of tech and tools. They provide various templates you can use when challenging the bureaus and information furnishers. Protection against identity theft services. Which paid survey companies are the best? Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. This means being in it for the long haul. So which one offers the best credit repair services? The first step with any credit repair service will likely involve a thorough review of your credit report. The plan only allows customers to challenge up to 5 negative entries for each billing cycle. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. Credit Saintalso offers a no-strings 90-day money-back guarantee. The two companies have provided credit repair services for several years and have made large impacts on the credit repair industry. They also have mobile apps for easier progress tracking. 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. These two questions will help you uncover the truth. Customers receive regular updates on progress to ensure theyre fully aware of whats happening. In a crowded market, it is hard for consumers to choose a credit repair company. Free online consultation. Now, this does not mean that they will allow you to challenge all negative entries at once. With this package, they will dispute up to 5 inaccurately reported items on your credit report. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. The company utilizes automated systems to boost its workflow efficiency and strives to offer the best value. However, articles or reviews may contain affiliate links and we may earn a commission. You can follow them on their social media pages for updates when they publish new guides. Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. Additionally, Concord Premier will not help you with identity theft. Bottom Line: Credit Saint vs. Lexington Law. As previously stated, they are known to help consumers with severe credit problems. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. Credit Takeoff strives to keep our information accurate and up to date. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. They'll help you remove negative items while teaching you how to optimize your financial choices to boost your credit score. Lexington Law offers three different levels of credit repair services ranging from $89.95 per month to $129.95 per month. An achievement that should not go unnoticed. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. Credit Saint is the oldest credit repair company in the industry. All financial products, shopping products and services are presented without warranty. Their website contains more information, and you dont have to guess about what services they provide. Top Reviews. in-depth review of Lexington Law, click here. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. The goal of the founders was to revolutionize the repair industry. This team of legal professionals is known for solving the most complex credit problems. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. 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. Sky blue charges up front. It all comes down to reputation. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. The goal of the founders was to revolutionize the repair industry. 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. The step below PremierPlus is Concord Premier. You can choose from three plans. Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce. 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. Their FAQ section also contains a list of commonly asked questions about the service. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. Finally, Lexington Laws active pending lawsuit has slightly damaged its reputation among credit repair companies. It can remove judgments and help improve your credit score. When you sign up for aCredit Saintaccount, you also get access to a customer dashboard. They further stated that their 90-day refund policy applies to customers who have not seen any removals. Other than that, you still get all the extra features available on the Clean Slate package. In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. The customer seemed to be fresh from signing up and expressed that they had a good conversation with Jordan, a company rep. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. Credit Saint can improve it by removing items that appear incorrect due to issues such as administrative errors, calculation errors, etc. You will need to pay an initial setup fee of $99. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. It allows for unlimited disputes during each billing cycle. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. On the other hand, Lexington Law is quite vague about the speed of their service. Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. 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. Is Credit Saint or Lexington Law Cheaper? Lets compare Credit Saint and some of its competitors to see which ones better. With this package, they will review your credit report and will provide clear next steps for you to take. Although both companies have remained in business for a long time, are well-known, and have served many clients, deciding which one to use is a matter of personal preference. The company website has an educational blog that provides customers with valuable information about credit repair. They are not accredited and have a C rating. Lets get started: Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. As you start to explore the possibility of credit repair, you'll soon see that there are many providers hoping to gain your business as a client. That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. For instance, Lexington charges a basic set up fee of $100. 8.2 million removals and 26+ million challenges and disputes since 2012. You can also cancel the service at any time without incurring any penalties or fees. Sometimes. Regarding customer service, Lexington Law has many more complaints lodged against them than Credit Saint does. Credit Saint has made strides in addressing its content gap this year. 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. 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. This is one of the biggest misconceptions with the credit repair industry. This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. Credit Saint BBB rating shows that the company is reliable and loved by people. The team members are mainly based in New Jersey and the New York Metro Area. Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. Your credit score even directly impacts the cost of your New Jersey auto insurance. It has a C rating with the BBB and is not an accredited BBB company. These two companies have many similarities but also some differences that may be important when deciding between the two services. Credit Saintgets to work right away on your account, so its possible to see positive results within a month or so depending on your situation and the number of negative items on your credit report. The online dashboard allows customers to track the progress of their credit repair. The biggest determinant of how fast items will be removed from your credit report is not the company you select. 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? The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. Credit Saint complaints and positive reviews. While neither Credit Saint nor Lexington Law provides cookie-cutter answers to this question, our research indicates that Credit Saint is more aggressive at filing disputes and intervening with creditors. We may receive compensation (at no cost to you) when you click on links to those products. Learn more about our process. Andrew founded Credit Weld with the vision of providing guidance and solutions for those who are experiencing hardship due to poor credit. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. 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. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. Credit Saint does a simple job it reviews your credit report and addresses factors that can impact it. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Here is what is included: This package does not include tailored cease and desist letters, personal finance tools, or the helpful FICO Score Tracker. You will pay about $109.85 per month. How Long Does It Take to Repair Your Credit? 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. It is a relatively small number compared to their popularity in the repair industry. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. Which blood pressure supplement is the best? They have a polished team of professionals that understands the business well. However, note that it comes with certain conditions. We're confident that this information will give you everything you need to choose the right partner in your journey towards a fantastic credit report! Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. For instance, TransUnion says that they conclude most disputes within two weeks. Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months. As mentioned earlier, there are many companies offering similar services. Because its a real law firm, Lexington Law is different than most other credit repair companies. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. Credit Saint - The Winner How have the two services performed when it comes to the level of customer care? Where can you find the best Moving Company? 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