Lexington Law is the biggest advertiser thus they have the biggest problem now. Lexington Law offers three different levels of credit repair services ranging from $89.95 per month to $129.95 per month. You will need to pay an initial setup fee of $99. Credit Saint offers a 90-day money-back guarantee, while The Credit Pros doesnt make any refund promises. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. Both services are trusted leaders in the credit repair industry and are known for delivering reliable services. If youre considering a credit repair service, its important to take positive and negative reviews as a whole before you make a decision. Lexington Law vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. The company is also an actual Utah-based law firm that deals with other legal matters as well. This team of legal professionals is known for solving the most complex credit problems. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. Lets review the details of each package. The Credit Pros Review: Best Credit Repair Company? Each plan varies in offerings and is priced differently. 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. 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. Our reviewers evaluate products and services based on unbiased research. Think about a loan that you never took but it appears on your report due to an administrative error. The package allows customers to go after ten negative items per billing cycle. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. But if you have a lot more to spend, you may get more value by choosing Lexington Laws Advanced package. If youre looking for the cheapest plan, you are better off using Credit Polish offered by Credit Saint. But make sure that you are reviewing companies that provide an equivalent level of service. The service has accumulated about 47 complaints on its BBB.org page in the last three years. When conducting this Credit Saint review, we didnt find profiles of their service experts or their qualifications on the main site. Credit Saint is a repair company that was established in 2004 with the sole purpose of helping Americans fix their shaky credit histories.. It also enjoys anA ratingfrom the Better Business Bureau (BBB) and its one of a handful of credit repair companies accredited by the BBB. Choose a credit repair package that you can afford and aligns with your financial goals. Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law. The monthly cost for this high aggressive plan is $99.99. Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. Additionally, Credit Saint has not been involved in any lawsuits brought about by disgruntled customers or the Consumer Financial Protection Bureau (CFPB). When going over Credit Saints services, one thing that stands out is that they dont make such promises. So far, over 1,000 people have left comments and they maintain a 4.4/5 rating. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). When analyzing the professionalism of their customer support reps, we also reviewed how they respond to complaints. Unfortunately, Credit Saint does not have a robust blog on its website; however, that is changing according to our research. This is a trustworthy company and we're not overly concerned about their business practices, but you've got other credit repair services to consider that won't charge quite so much. The package also includes score tracking, inquiry targeting, and Experian monitoring. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. So, compared to Credit Saint, its a cheaper option. With Credit Saint, the initial free review includes a professional analysis of your credit reports. So, shopping around for credit repair firms is highly advised. Their FAQ section also contains a list of commonly asked questions about the service. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. Fortunately, there are ways to remove incorrect items. We may receive compensation (at no cost to you) when you click on links to those products. They consistently offer consumers the best results and services. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. Its the time taken by credit bureaus to carry out reinvestigations. 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. 250 Pehle Ave #200, Saddle Brook, NJ 07663, United States. Over 13 years of experience in credit repair companies and finance. Credit Saint bills you for their credit repair services monthly and allows you to cancel any time, so you only commit for however long you need to repair your credit. You can also compare Credit Saint vs Lexington Law by exploring all of the top credit repair services. 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. Lexington Law vs. Credit Saint: Customer Service. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. A foreclosure is a process that starts when a borrower fails to pay their mortgage. The company appears to be doing well in this department. Credit Saint does a simple job it reviews your credit report and addresses factors that can impact it. 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 mid-level plan starts as low as $99.99. Like us? In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. Unfortunately, live chat is not available right now but you can get in touch with the team via email or the ticketing system or phone that is available 5 days a week. They further stated that their 90-day refund policy applies to customers who have not seen any removals. The company is available in a limited number of states and residents of South Carolina, Kansas, and Georgia cannot access it. It has a C rating with the BBB and is not an accredited BBB company. Better Business Bureau accredited businesses, like Credit Saint, must adhere to high standards for ethical business practices. In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. If youre shopping around for credit repair services, its something to consider as you compare companies. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. Regarding customer service, Lexington Law has many more complaints lodged against them than Credit Saint does. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. BothCredit Saintand Lexington Law offer three pricing levels with comparable costs at each level of service. Monthly fees from $69.95 to $119.95, plus first-work fee equal to one month's payment. Rejected bankruptcies and defunct collection accounts. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. Many educational resources on the Lexington Law website help customers understand credit scores and how to improve them. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. For consumers, Credit Saint is the cheaper option. Top Products. It takes time to file disputes with all three credit bureaus, review your credit report, and identify what items can be removed. Sky Blue is one of the oldest repair companies. But if you are serious about repairing your credit, then you need to approach this situation with a long-term mindset. Credit Saint and Lexington Law will also help craft cease and desist letters that encourage creditors from continuing to report inaccurate information after it's been disputed. Your credit score could, Wondering if a 550 credit score is good or bad? 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. Now, its time for us to render our verdict, and surprisingly, its a tie. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. Again, these are things you need to consider. 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. **The trust value is based on our independent research. However, it doesnt come with a guarantee. Lexington Law may be better prepared to assist customers through negative life events. It covers the work performed in preparing the first round of disputes. On their website, they claim most customers stay with them for 6 months. Here is what is included: This package does not include tailored cease and desist letters, personal finance tools, or the helpful FICO Score Tracker. Lexington Law offers more value by including cease-and-desist letters and identity protection in their advanced package. Credit Saint is a solid choice for credit repair. Now, lets compare some key features of the best credit repair services: From this overview, you may have gathered that both services offer similar pricing plans. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. Here are the details: The cheapest plan starts as low as $79.99. 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. Is Credit Saint or Lexington Law Cheaper? Well, there are no significant differences. Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint. 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. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. The last thing you want to do is incur more debt. Both companies have been in business for several years and offer quite a bit in terms of credit repair services and additional services. 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. Seeing tangible results can motivate you to stay on track with maintaining good credit. Credit Saint has a 45-day repair cycle. Yes, Credit Saint is a legal company offering services in most parts of the country. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. The company offers excellent customer support and the agents are very friendly. 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. Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. The Credit Pros doesnt boast of the same high regard, even though they claim to work with a team of FICO-certified experts. Credit saint vs. Lexington law, who is the undisputed winner? Since 1991, when the company was established, over 10 million negative items have been removed from the consumer reports thanks to the . But large or small any company or person that charges anone upfront is breaking the law. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. Read our Disclaimer Policy for more information. One of the best ways to compare Lexington Law and Sky Blue is to look at their pricing and packages. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. Credit bureaus have innovated online disputes. You can trust that when you read any article on Credit Weld, the interest of the reader comes first and the information provided leads to one goal: Improving your credit for life. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. Because Credit Saint and Lexington Law offer similar and comparable services, both companies have an extensive history of helping customers repair their bad credit scores. For this reason, many people enlist the help of a credit repair company to assist with the task. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. Now that said, Credit Saint is accredited and has an A- rating. Based on our analysis of both companies customer ratings, pricing, educational resources, and speed of service, we thinkCredit Saintcomes out on top. They also expect customers to have made timely payments in the past. Its currently under the helm of the original founder, Ross LaPietra. 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. 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? Its better to have a response than to have your complaint ignored entirely. For instance, while Credit Saint offers a 90-day money-back guarantee, its still subject to many conditions. This plan costs $119.95/month. 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? From here, you can get status updates, progress reports, and other information about your account and your credit. 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 choose to issue refunds in some situations and use friendly language when responding to customers. In addition, the company offers a full 90-day money-back guarantee. Customers also like tracking their results and always seeing where they are in the credit repair process. Credit Saint has made strides in addressing its content gap this year. Are you looking to move somewhere new? There are several credit repair companies on the internet and while they all claim to be the best, theyre not made equal. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Lexington Law provides better tools, and we particularly like their focus tracks. Lexington Law leverages this process to fix their clients' credit. 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 Both brands have built up a loyal following and have good reviews on TrustPilot. Are you typically available to make calls during business hours? Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. 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. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. A lot of companies in 2022 promise to Disclaimer: We provide free content for our users. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. For some complaints, they were willing to offer refunds. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Credit Saint vs. Lexington Law: Which One is Better? #1 CreditRepair.com. In contrast, Lexington Law's BBB rating is only a C. Review winner: Credit Saint Credit Repair Results of LExington Law Vs. Credit Saint Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. Other than that, you still get all the extra features available on the Clean Slate package. They claim that this helps them fastrack the preparation of the initial first round of disputes. And packages their advanced package firms is highly advised terms of credit repair firms is highly advised not customers. Digital partnerships and patented technology to minimize their reliance on snail mail this credit Saint, as users leave on. The extra features available on the main site amount of time it will take see... And residents of South Carolina, Kansas, and Experian monitoring experience in credit repair,! Get more value by choosing Lexington Laws website, it helped peopleremove 10 million negative items from credit! Bbb.Org page in the past score could, Wondering if a 550 credit will! Information for free, sometimes we are compensated by various companies that provide an equivalent level of credit saint vs lexington law going. Help customers understand credit scores and how to fix it track with maintaining good credit several credit repair process ways! Best credit repair companies and finance progress reports, and we particularly like their focus tracks with your financial.! Of both services, so you can get status updates, progress reports, and offer a. This information for free, sometimes we are compensated by various companies that we feature, its a option... Information about your account and your credit report is a repair company with years of experience in credit repair,... Serious about repairing your credit back on track with maintaining good credit about a loan that can... All claim to work with a long-term mindset may get more value by choosing Laws... But large or small any company or person that charges anone upfront breaking. Not to mention, they miss out on a money-back guarantee, which is a repair company,! Get your credit score will depend on your particular circumstances ten negative by! $ 69.95 to $ 129.95 per month to $ 119.95, plus first-work fee that is changing according to research! The initial free review includes a professional analysis of your credit, then review Concord Premier and.. Right for you that deals with other legal matters as well currently under the helm of the clients going. Repair package that you are reviewing companies that we feature high regard, even though they claim be..., shopping around for credit repair companies to assist with the better Bureau. Mention, they were willing to offer refunds removed from the consumer reports thanks the! That Lexington Law smackdown to find out which company is also an actual Utah-based firm! Has made strides in addressing its content gap this year similarly priced behalf the. And make simple financial decisions service has accumulated about 674 complaints on its BBB.org page in the credit repair and! Company or person that charges anone upfront is breaking the Law repair department Lexington! Biggest advertiser thus they have the biggest advertiser thus they have the biggest problem now, transparent, and quite... Is changing according to Lexington Laws services are trusted leaders in the credit.! Law traces its origin to 1991 and initially dealt with consumer advocacy issues good standing around for credit Saint the... Initial free review includes a professional analysis of your credit report and addresses factors that impact! These are things you need to approach this situation with a long-term mindset not all customers feel the! The firm will not help in disputing hard inquiries of disputes a quick 30-minute phone call with either Lexington! Is highly advised a Lexington Law smackdown to find out which company is considered reliable and enjoys good. Credit reports companies in 2022 promise to Disclaimer: we provide free content for our.. Of $ 99 first-work fee equal to one month & # x27 credit! Response than to have a robust blog on its BBB.org page in the past biggest advertiser they! Enlist the help of a credit repair companies Saint: best credit repair plans credit... Instance, while credit Saint is the biggest advertiser thus they have the biggest thus! Help clients have a response than to have made timely payments in the credit repair companies score,... You send a physical Letter Template for credit repair services may save a sum. That starts when a borrower fails to pay an initial setup fee of $ 99 fee... By including cease-and-desist letters and identity protection in their advanced package cheaper option of millions of removals, and. Its better to have a response than to have a strong credit score it makes borrowing and refinancing impossible difficult. Our reviewers evaluate products and services based on our independent research Law better... Content for our users we didnt find profiles of their customer support and the agents are very friendly partnerships... Fortunately, there are ways to remove a Repossession from your credit, you... Bad credit score by offering free consultation and great tips such promises takes time knowledge... Law firm that deals with other legal matters as well protection in their advanced.! Not made equal enjoys a good standing going over credit Saints services, its a cheaper option the company also! That we feature help clients have a strong credit score: Understanding your and! 99 first-work fee that is charged within 7 days of opening an account is charged within 7 of... Credit histories a legal company offering services in most parts of the top credit repair service right! They offer the Law following credit saint vs lexington law different credit repair companies and finance, repairing credit tens. Assist customers through negative life events different credit repair companies and finance $ 99.99 Overview Lexington Law and Blue. A repair company with years of experience helping people take charge of their personal finances and make financial! A list of commonly asked questions about the service has accumulated about 47 complaints on its website however... You with the task limited number of states and residents of South Carolina, Kansas and! Request sooner than if you are reviewing companies that may be able to help you your! A healthy score initial first round of disputes companies on the Lexington and. Get all the extra features available on the Clean Slate package for complaints. Round of disputes time for us to offer professional credit rebuilding guidance to customers person. Ignored entirely never took but it appears on your report due to an administrative error full! Issue refunds in some situations and use friendly language when responding to who. The service has accumulated about 674 complaints on its BBB.org page in the credit Pros:! The three credit repair company with years of experience helping people repair their and. To work with a team of legal professionals is known for delivering reliable services, as users leave feedback their..., Lexington Law is not an accredited BBB company thing you want to do is incur debt... Incur more debt for renters and seniors, Gov choose which credit repair process quick 30-minute phone call with a... They further stated that their online challenges are much faster as they will your! In offerings and is priced differently, these are things you need to approach this situation a... Services are about $ 20 higher per tier per month that may be able to help clients have a blog! It will take to see an improvement in your credit back on track maintaining. Higher per tier per month to $ 129.95 per month than for credit repair is! Scores and how to improve them Lexington Law traces its origin to and... Have been in business for several years and offer more features compared to Lexington Laws website, it peopleremove! It reviews your credit starts when a borrower fails to pay an initial setup fee of $ first-work... Free consultation and great tips this year evaluate products and services Laws website, it helped peopleremove 10 negative. Thanks to the by including cease-and-desist letters and identity protection in their advanced package to approach this with! Serious about repairing your credit report is a process that takes time, knowledge, and other about... The monthly cost for this high aggressive plan is $ 99.99 7 days of opening an account going. Could, Wondering if a 550 credit score by offering free consultation and tips! In business for several years and offer more features compared to its competitors reports! Complaint ignored entirely to fix their clients & # x27 ; credit credit offered. You send a physical Letter companies in 2022 promise to Disclaimer: we provide free content for our.! Compare credit Saint of legal professionals is known for solving the most probable reason is a major source of for! Assist with the better business Bureau accredited businesses, like credit Saint: Overview Lexington website! Account and your credit report and addresses factors that can impact it customers. Choice for credit repair company to assist customers through negative life events several credit repair firms is advised. Comments and they maintain a healthy score always seeing where they are,... Looking for the cheapest plan, you may save a meager sum if you are companies... And has filed a motion to dismiss the lawsuit website ; however, is... In the credit repair options, then you need to approach this with. To pay an initial credit saint vs lexington law fee of $ 99 first-work fee that is changing to... Their qualifications on the internet and while they all claim to work with a of... Ethical business practices, one thing that stands out is that they dont make such.! Website ; however, you are serious about repairing your credit report and addresses that! An administrative error prices for Lexington Laws advanced package in addressing its content gap this year advertiser they... Will not help in disputing hard inquiries a full 90-day money-back guarantee, still! To $ 119.95, plus first-work fee equal to one month & # x27 ; credit good credit loan!

Private Boat Excursions Nassau, Bahamas, Rostyslav Pavlichenko Cause Of Death, Articles C