In our recommendation, Credit Saint outperforms Lexington Law overall. Credit Saint - The Winner But for now, Lexington Law offers more educational resources. This can offer a great deal of peace of mind when youre worried about getting yourcredit score back on track. Well, there are no significant differences. Bottom Line: Credit Saint vs. Lexington Law. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. Most of the actions taken on your behalf by a credit repair service can be done on your own. 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. For consumers, Credit Saint is the cheaper option. So, compared to Credit Saint, its a cheaper option. Overall, online reviewers have positive things to say aboutCredit Saint. They choose to issue refunds in some situations and use friendly language when responding to customers. 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. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. It helps them achieve faster outcomes. Top Products. They further stated that their 90-day refund policy applies to customers who have not seen any removals. The online account page also allows clients to submit any feedback forwarded by the bureaus. Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. The results are processed in order to detect spammy and fake feedback. 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. Learn more about our process. Lexington Law vs. Credit Saint: Which One is Faster? If you are serious about repairing your credit, it makes a good option that is relatively risk-free for the first three months. 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. 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. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. They then create customized challenge letters for these items and send them to the credit bureaus for a response. The Lexington Law firm provides three pricing options: Compared to Credit Saints Clean Slate plan, the Advanced plan certainly has more features, and its only going to cost you $129.95, about $10 more. They'll help you remove negative items while teaching you how to optimize your financial choices to boost your credit score. Lexington Law is one of Credit Saints major competitors. Are you typically available to make calls during business hours? 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. 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! Unfortunately, not everyone understands what goes into a positive credit history. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. Credit Saint and Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. If you choose this one, you will also have to pay the first-work fee of $195. Credit Takeoff strives to keep our information accurate and up to date. This means being in it for the long haul. 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. Lexington Law boasts of its effectiveness on its website by providing data that backs up the fact that they receive real results for their customers. We were curious how these negative CreditSaint.com reviews were handled. In business since 2004,Credit Sainthas been helping people repair their credit for nearly two decades, making it one of the oldest credit repair companies in the industry. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. The website is not very transparent about the number of challenges included in each plan, and customers need to dig or consult to receive that information. You can follow them on their social media pages for updates when they publish new guides. Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. The package also includes score tracking, inquiry targeting, and Experian monitoring. So which one offers the best credit repair services? And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. Customers expect to see immediate results. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. Lexington Law is the biggest advertiser thus they have the biggest problem now. 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. Top 4 Lenders for Bad Credit Loans: Compare Rates and Terms. While it doesnt always work, there is still a chance of success. The goal of the founders was to revolutionize the repair industry. 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. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. All plans are flexible with the option to cancel anytime. If you search the web for tips on how to repair your credit, you will come across Creditrepair.com reviews. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. The company charges a high initial work fee up to 195 cases based on the plan you have selected. Thats when the paralegal will reach out after you purchase a package. Both Credit Saint and Lexington Law offer unique credit repair packages. Credit Saint operates on a 45-day dispute cycle. It's no secret that businesses want to know what consumers think. Its the time taken by credit bureaus to carry out reinvestigations. They have a polished team of professionals that understands the business well. The service has accumulated about 47 complaints on its BBB.org page in the last three years. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. 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. Better Business Bureau accredited businesses, like Credit Saint, must adhere to high standards for ethical business practices. The customer seemed to be fresh from signing up and expressed that they had a good conversation with Jordan, a company rep. The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. Money.com ranked it as the top credit repair company. So, shopping around for credit repair firms is highly advised. 89% of Lexington Law customers that have experienced improvement with the service have increased their credit score by at least 40 points. It can remove judgments and help improve your credit score. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. Lexington Law. Lexington Law, on the other hand, charges $129.95 with a work fee of $129. BothCredit Saintand Lexington Law offer three pricing levels with comparable costs at each level of service. Credit Takeoff is reader-supported. This makes it easy to monitor your account and the credit repair process on the go. Moreover, this firm is applauded by previous customers who highlight Credit Saints transparent operation and commitment to results. Credit Saint edges Lexington Law when it comes to offering downright friendly services. The company is available in a limited number of states and residents of South Carolina, Kansas, and Georgia cannot access it. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. Having said this, Lexington Law still takes time to respond to complaints. Credit Polish is Credit Saints most basic credit repair package. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. These two companies have many similarities but also some differences that may be important when deciding between the two services. Lexington Law takes a personalized approach to credit repair. Sky Blue is one of the oldest repair companies. 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. For instance, while Credit Saint offers a 90-day money-back guarantee, its still subject to many conditions. Hiring a credit repair provider can save you a significant amount of time and hassle. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. This plan costs $119.95/month. But if you have a lot more to spend, you may get more value by choosing Lexington Laws Advanced package. Their latest feedback as of July 8, 2021, is a 4-star rating. People lost more than $16 billion due to these cases and the problem is only increasing. Unlimited custom disputes are available on each plan. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. Takeaways for Choosing Between Lexington Law and Credit Saint. In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. 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? Select any 2 Credit Repair Companies to compare them head to head, Atlantic City, NJ Mayor Leading Free Resident Credit Repair Effort. 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. While both companies are BBB accredited, Credit Pros has a current rating of B+. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee And a credit repair company may come to the rescue. 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. Their cornerstones include determination, revolutionary, integrity, vision, and excellence. Like we said earlier, repairing your credit is a long process. 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. That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. I worked in the credit repair industry for about 10 years. Fortunately, there are ways to remove incorrect items. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. Lets review the details of each package. There is a one-time $195 sign-up fee, and then youll pay $119.99 every month youre enrolled. This means there are more than 40 million reports to take care of. Where can you find the best, most affordable online doctors? The company is an excellent option if youre serious about fixing your credit. However, note that it comes with certain conditions. 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. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. Your credit score could, Wondering if a 550 credit score is good or bad? SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. It was the same year that John C. Heath became the directing attorney. Now that said, Credit Saint is accredited and has an A- rating. You will find many Credit Saint reviews on the Internet. 250 Pehle Ave #200, Saddle Brook, NJ 07663, United States. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. You've heard of couples therapy, but what is it and whom is it for? The company has maintained an A+ rating for 13 years making it one of the most reliable credit repair firms. Andrew is a credit expert with over 20 years of experience in the industry. Is Credit Saint or Lexington Law Cheaper? Elsewhere, both companies get generally favorable reviews from former and current clients. With Credit Saint, the initial free review includes a professional analysis of your credit reports. 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. If you do choose to use a credit repair company, Lexington Law and Credit Saint will be among your top options. Clean Slate They provide various templates you can use when challenging the bureaus and information furnishers. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. Credit Saint bills this package as the most aggressive. 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? By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. You can choose from three plans. 8.2 million removals and 26+ million challenges and disputes since 2012. It is one of the few companies that have an A+ Better Business Bureau rating. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? The two businesses provide similar services. **The trust value is based on our independent research. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. Typically, most investigations are concluded within 30 days, but credit bureaus can add 15 days if necessary. Lexington Law vs Credit Saint: Whos Better? The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. Credit Saintreceives high praise on average from its former and current customers. 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 If you're behind on your tax payments or have past years where you didn't even file a return, you probably feel the pressure mounting. Some differences that may be important when deciding between the two services to the credit package. Years of experience in the last credit saint vs lexington law years firm will not help in disputing hard inquiries its coveted A+,. 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