Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. And a credit repair company may come to the rescue. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. Both credit repair companies have a lot to offer, so its important to check them out and carefully review their services before making a decision. The firm offers 3 credit repair plans to suit different needs, along with a 90-day money back guarantee. 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. Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. As mentioned earlier, there are many companies offering similar services. The first step with any credit repair service will likely involve a thorough review of your credit report. Credit Saint responded by saying that a manager had reached out to the client after confirming that there were removals for his account. In our recommendation, Credit Saint outperforms Lexington Law overall. But are its programs worth a try? Their latest feedback as of July 8, 2021, is a 4-star rating. 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. 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. 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. The step below PremierPlus is Concord Premier. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee However, articles or reviews may contain affiliate links and we may earn a commission. That's a great question, because "payday loans" and "trustworthy" don't tend to be said in the same Where can you find the best personal loans? When going over Credit Saints services, one thing that stands out is that they dont make such promises. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. Credit saint vs. Lexington law Which one is the best? 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. What Happens if You Miss a Credit Card Payment? Generally, the service doesnt have as many complaints on their BBB.org page as competing services like Lexington Law. Customers also like tracking their results and always seeing where they are in the credit repair process. 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. Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. 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? The Clean Slate package is Credit Saints most aggressive credit repair plan. Many educational resources on the Lexington Law website help customers understand credit scores and how to improve them. Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. Each credit repair firm offers a dedicated customer service line for clients that can help answer any questions you may have. It has one of the best guarantees in the industry, which can be a great reason to give it a try. Lexington Laws basic service package provides access to bureau challenges and creditor interventions. 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. So, shopping around for credit repair firms is highly advised. Its not necessarily a reflection of the quality of their services. #1 CreditRepair.com. Credit Saint vs. Lexington Law Credit Repair. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. Unlike Credit Saint, where most clients accept the response given by the firm, there are several instances where customers have rejected Lexingtons Laws responses. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. 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. This may impact how, where, and in what order products appear. You can also cancel the service at any time without incurring any penalties or fees. Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law. If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. There is something scary about looking at your credit report and finding items that you do not find justified or valid. 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! There are no incurring fees, which means you will not have to worry about signing up for a long period of time. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. Making it possible to keep tabs on your FICO rating as well as your scores from other reporting bureaus using credit monitoring services. Your credit score could, Wondering if a 550 credit score is good or bad? Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. Monthly fees from $69.95 to $119.95, plus first-work fee equal to one month's payment. On the other hand, Credit Saint has not been specific about its use of electronic disputes. Compared side by side, bothCredit Saintand Lexington Law have comparable pricing, service levels, and speeds of service. Lexington Law may be able to help you repair your credit, but keep in mind that federal law prohibits any credit repair company from guaranteeing specific results. The company is available in a limited number of states and residents of South Carolina, Kansas, and Georgia cannot access it. Additionally, you will get a personalized dashboard to track progress, creditor interventions, score analysis, and score tracker. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. Credit Sainthas three tiers of services, with pricing that ranges from $79.99 per month to $119.99 per month. The company appears to be doing well in this department. It can remove judgments and help improve your credit score. You will find many Credit Saint reviews on the Internet. With the Credit Remodel package, Credit Saint will dispute up to 10 inaccurately reported items on your credit report. Free consultation and 90-day money-back guarantee. Credit Saint also begins its repair process within 48 hours. However, with so many companies on the market, it can be hard to decide which direction to take. In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. IHG Rewards Club Premier Credit Card Review. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. Credit Saintand Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. They will pay an initial setup fee of $99 and only part with $99 for the monthly membership. This process takes time, and you certainly do not want to take a shortcut. Credit Saint and Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. 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. Your credit score even directly impacts the cost of your New Jersey auto insurance. 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. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. 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 offers their cheapest package for $79 per month. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. Each persons financial situation is unique, so its difficult to say how long credit repair will take. In addition, the company offers a full 90-day money-back guarantee. That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. You will find excellent online resources on the platform to help you know more about how credit scores work and what you can do to have an impressive score. Top Products. The company is unique because it compromises solicitors with experience in the niche. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. Citi is an advertising partner. Of course, as with anything, different aspects of each company will appeal to different clients, so you should always individually weigh the pros and cons of both Credit Saint and Lexington Law before deciding which one would work best for you and your credit repair needs. A careful review of hundreds of past user reviews reveals the dedication and selfless services offered by Credit Saints representatives. These two companies have many similarities but also some differences that may be important when deciding between the two services. They do this by taking the fight to the individual creditors. However, note that it comes with certain conditions. 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. 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. Credit Saint bills this package as the most aggressive. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. You know your credit situation better than anyone else, so take this decision seriously. Both companies are established and highly visible players in the business. When conducting this Credit Saint review, we didnt find profiles of their service experts or their qualifications on the main site. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. Thats because you will need to work with someone to identify potential dispute candidates. 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. They also have mobile apps for easier progress tracking. They claim that this helps them fastrack the preparation of the initial first round of disputes. Rather than jumping to conclusions, we will first present facts about the two credit repair services. It covers the work performed in preparing the first round of disputes. Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. The company utilizes automated systems to boost its workflow efficiency and strives to offer the best value. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. 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. view details Credit service companies cannot promise a result or credit score increase. If we feel this product or service is not to our standards we will not recommend solely due to money. Both Credit Saint and Lexington Law offer unique credit repair packages. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. 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. If youre looking for the cheapest plan, you are better off using Credit Polish offered by Credit Saint. Sky blue charges up front. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. We were curious how these negative CreditSaint.com reviews were handled. Lets review the details of each package. 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. Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. The platform lags behind in terms of tech and tools. Takeaways for Choosing Between Lexington Law and Credit Saint. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. 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. Pena vs. Lexington Law Firm was . It's no secret that businesses want to know what consumers think. Lexington Law will: As we said, this is a basic package. All three credit repair packages come with a 90-day money-back guarantee, and you can cancel any time without penalty. You know your budget. Credit Saint has a 45-day repair cycle. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. No clear statistics about how many challenges and deletions theyve successfully entered through the years to improve or repair peoples credit. They will help you dispute errors on your credit report,remove late payments, and more. Top Rated Services. 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 has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. With the facts presented before you, we hope our research provides clarity to your situation. 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. The biggest determinant of how fast items will be removed from your credit report is not the company you select. 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. They bring years of experience to the table and a team of credit repair analysts who are industry veterans. When comparing Lexington Law vs. Credit Saint, its also vital to compare the educational resources. There are several credit repair companies on the internet and while they all claim to be the best, theyre not made equal. Rejected bankruptcies and defunct collection accounts. Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. On the downside, it is not a 100% guarantee. Credit Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. Hiring a credit repair provider can save you a significant amount of time and hassle. Keep in mind that laws prevent any company that repairs credit from guaranteeing customers that they will see specific results as every credit repair situation is different, and various factors determine results. 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. Using the incorrect name, address, or Social Security number. Customers must receive a free credit consultation with Lexington Law to receive complete pricing. In 2004, the law firm began focusing on offering credit repair services. However, we must mention that Credit Saint does not make any such promises and there is no guarantee that the removal of any item will cause your credit score to improve. The majority of customers are happy with the service. Overall, Credit Saint is the cheaper option. All of us feel a little overwhelmed sometimes, and it's nice to have support when times are rough. Protection against identity theft services. Here is a few list of features included in this plan: As you can see, this package is loaded with helpful features. 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. Gerald is the founder and editor-in-chief of CreditFixed.com. 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 is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. They must make a reasonable faith effort to resolve grievances raised by customers. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. Customers receive regular updates on progress to ensure theyre fully aware of whats happening. They then create customized challenge letters for these items and send them to the credit bureaus for a response. They have two affordable packages, going for $79 and $109 per month. 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. It includes all of the services of the other plans but also adds the value of unlimited challenges to the three credit bureaus. However, The Credit Pros has a top plan that is more expensive than Credits Saints most aggressive package. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. (2023), Lexington Law vs. Credit Saint: Credit Repair Packages and Price, Credit Saint vs. Lexington Law: Educational Resources. 250 Pehle Ave #200, Saddle Brook, NJ 07663, United States. On the other hand, there are companies that don't deliver what they promise. Both Credit Saint and Lexington Law charge customers a fee each month for their services. Let's [] This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. Disclaimer: We offer completely free content to our users. Each plan varies in offerings and is priced differently. While it doesnt always work, there is still a chance of success. Their website contains more information, and you dont have to guess about what services they provide. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. 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 Saint offers consumers three straightforward packages that are each designed to meet a different need. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. Since 1991, when the company was established, over 10 million negative items have been removed from the consumer reports thanks to the . Customers can expect a robust experience when working with Lexington Law. And a credit repair company may come to the rescue. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. There is something scary about looking at your credit report and finding items that you do not find justified or valid. For instance, the company lacks a service guarantee. If you search the web for tips on how to repair your credit, you will come across Creditrepair.com reviews. 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