Based on our analysis of both companies customer ratings, pricing, educational resources, and speed of service, we thinkCredit Saintcomes out on top. The goal of the founders was to revolutionize the repair industry. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. Rejected bankruptcies and defunct collection accounts. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. Fret not, Credit Saint is known for fighting tooth and nail with your debt collectors and all three credit bureaus. Where can you find the best, most affordable online doctors? Money.com ranked it as the top credit repair company. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. On the positive side, you will get 100% of your money refunded if the company fails to remove any item within 90 days of signing up given that youve made full payment and you meet every other requirement given on the official website. Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? 89% of Lexington Law customers that have experienced improvement with the service have increased their credit score by at least 40 points. This is one of the biggest misconceptions with the credit repair industry. You can also have a better feel of their customer service quality by obtaining their free consultation. Where can you find the best online couples therapy? is the very high aggressive plan offered by Credit Saint. 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. Credit saint vs. Lexington law, who is the undisputed winner? Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. There is a one-time $195 sign-up fee, and then youll pay $119.99 every month youre enrolled. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. Credit Saint is the oldest credit repair company in the industry. Credit repair involves identifying issues with your credit report, Our Ovation Credit review 2022 reaffirms the companys commitment to personalized credit repair. You can choose from a variety of repair plans according to your requirements and budget. Founder of Credit Repair Partner. Credit Saint vs. Lexington Law: Whos Better? Credit Saint works in 45-day cycles. There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. During the session with a rep, ask all pressing questions about repairing bad credit and errors. Overall, Credit Saint is the cheaper option. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. How Long Does It Take to Repair Your Credit? Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. Overall, online reviewers have positive things to say aboutCredit Saint. On average, customers subscribe for six months of service. 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. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. These errors can impact your score and lead to issues in the future. 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. Top Consumer Reviews may earn money when you click on a link. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. All plans are flexible with the option to cancel anytime. Every day, credit reports are pulled by companies and assessed as ways of determining eligibility for mortgages, credit cards, car loans, and many other financial situations. Choose which one will help you the most. Its currently under the helm of the original founder, Ross LaPietra. This means there are more than 40 million reports to take care of. Credit saint vs. Lexington law Which one is the best? Thats because you will need to work with someone to identify potential dispute candidates. This plan costs $119.95/month. The customer seemed to be fresh from signing up and expressed that they had a good conversation with Jordan, a company rep. On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. Lexington Law also offers its own smartphone app, which is available for both Apple and Android devices. These two companies have many similarities but also some differences that may be important when deciding between the two services. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. It also enjoys anA ratingfrom the Better Business Bureau (BBB) and its one of a handful of credit repair companies accredited by the BBB. Now, if Credit Saint fees are out of your reach, keep in mind that its possible to replicate the same results. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. The only difference is that you will not get unlimited disputes, and Credit Saint will not send custom cease and desist letters. 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 Saint vs. Lexington Law Credit Repair. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. Customers expect to see immediate results. In the Google Play store alone, Lexington Law has an average 4.5-star rating out of more than 18,000 reviews. The step below PremierPlus is Concord Premier. $600 child tax credit is central to Healeys new tax relief package. If youre considering a credit repair service, its important to take positive and negative reviews as a whole before you make a decision. 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. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. One of the best ways to compare Lexington Law and Sky Blue is to look at their pricing and packages. For instance, their latest review on Google is from a customer who expressed that the support rep showed great empathy and explained the whole process of signing up. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. Both firms also offer free consultations. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. How To Choose Between Lexington Law and Credit Saint. Credit Saint also begins its repair process within 48 hours. Learn more about our process. 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. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. The firm offers 3 credit repair plans to suit different needs, along with a 90-day money back guarantee. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee Monthly pricing is more expensive than Credit Saint. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. There is something scary about looking at your credit report and finding items that you do not find justified or valid. However, The Credit Pros has a top plan that is more expensive than Credits Saints most aggressive package. Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months. BothCredit Saintand Lexington Law offer three pricing levels with comparable costs at each level of service. 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. Lexington Law is one of Credit Saints major competitors. The wrong loan and credit card balances listed. Creditrepair.com maintains an advantage when it comes to tools and technology. Elsewhere, both companies get generally favorable reviews from former and current clients. Bottom Line: Credit Saint vs. Lexington Law. Thats when the paralegal will reach out after you purchase a package. There is something scary about looking at your credit report and finding items that you do not find justified or valid. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. 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. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. Credit Saint bills this package as the most aggressive. Compared side by side, bothCredit Saintand Lexington Law have comparable pricing, service levels, and speeds of service. Lets compare Credit Saint and some of its competitors to see which ones better. 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. Andrew is a credit expert with over 20 years of experience in the industry. The company is unique because it compromises solicitors with experience in the niche. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. The results are processed in order to detect spammy and fake feedback. Lets review the details of each package. Lexington Law takes a personalized approach to credit repair. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint. They must make a reasonable faith effort to resolve grievances raised by customers. There are many credit repair firms out there and if you search for the best credit repair companies, you will definitely come across Credit Saint credit repair. Generally, the service doesnt have as many complaints on their BBB.org page as competing services like Lexington Law. From here, you can get status updates, progress reports, and other information about your account and your credit. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. Fortunately, there are ways to remove incorrect items. Both companies are careful to note that its hard to know how long it will take to see results with their services, and Lexington Law correctly states that its illegal for any credit repair company to guarantee results. 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 company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. It has one of the best guarantees in the industry, which can be a great reason to give it a try. . When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. It was the same year that John C. Heath became the directing attorney. Lexington Law vs Credit Saint: Whos Better? Credit Saint is a repair company that was established in 2004 with the sole purpose of helping Americans fix their shaky credit histories.. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. So, compared to Credit Saint, its a cheaper option. Additionally, looking at customer reviews shows that Lexington Law has significantly more negative reviews than Credit Saint. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. On the other hand, the company appears to address each negative review, which is a positive sign. Credit Saint has a better basic package as it includes the score tracker and score analysis. They have a polished team of professionals that understands the business well. Each text is published after its detailed proofreading. Which foreclosure listing website is the best? Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. Regular membership goes for $119.99. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. While both companies are BBB accredited, Credit Pros has a current rating of B+. The company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. On their website, they claim most customers stay with them for 6 months. Not all Credit Saint reviews are positive. Depending on which company you choose, the service might also include cease and desist letters, goodwill letters to help you qualify for credit in the future, credit monitoring to keep you on track, and one-on-one coaching. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. Customers can expect a robust experience when working with Lexington Law. This may impact how, where, and in what order products appear. Stay up to date with the latest reviews. The company offers excellent customer support and the agents are very friendly. 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. Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. 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. Choose a credit repair package that you can afford and aligns with your financial goals. All financial products, shopping products and services are presented without warranty. These things suggest the companys customer service pleases its customers. 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. Well, there are no significant differences. Both companies are established and highly visible players in the business. The law firm will provide your TransUnion credit report summary and Transunion FICO score. The companys LinkedIn profile shows that they have about 43 employees. 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. SimpleMoneyLyfe Credit Saint vs. Lexington Law: Who is Better? However, Lexington Law appears to respond to each poor review and customer complaint on the BBB site, so this shows the company is aware of complaints and takes them seriously. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. Credit Saint has made strides in addressing its content gap this year. Our reviewers evaluate products and services based on unbiased research. If youre looking for the cheapest plan, you are better off using Credit Polish offered by Credit Saint. With Credit Saint, the initial free review includes a professional analysis of your credit reports. Since that time, they've opened offices in 17 states and become licensed in most of the rest. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. 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. By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. All plans come with a reliable 90-day money-back guarantee. Both plans provide score analysis, credit report updates, and inquiry targeting. 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. 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. Disclaimer: We offer completely free content to our users. If we feel this product or service is not to our standards we will not recommend solely due to money. 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. How Long Does the Process Take? 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