Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? The main office is in Mahwah, New Jersey. Because its a real law firm, Lexington Law is different than most other credit repair companies. Credit Saint has made strides in addressing its content gap this year. Clean Slate Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. Credit Saint comes with both pros and cons. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. 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. Together, they have helped thousands of consumers repair their credit and clean up their credit report. If youre serious about repairing your credit and obtaining a good credit score and looking for a credit repair company to help you with the task, Credit Saint is one of the best credit repair companies to consider. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. Late payments, applying for multiple credit cards in a short period of time, or even problems with mistaken identity can all lead to a less-than-excellent credit profile. Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law. It is a well-known credit repair company in the industry that offers some great features. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. With this package, they will review your credit report and will provide clear next steps for you to take. The first step with any credit repair service will likely involve a thorough review of your credit report. This shouldnt be considered a drawback since no company in this niche can make such promises. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. For instance, you can download a 609 letter and pay-for-delete letter template. Lexington Law is one of Credit Saints major competitors. It is one of the few companies that have an A+ Better Business Bureau rating. The monthly cost for this plan is $119.99 per month. Their latest feedback as of July 8, 2021, is a 4-star rating. The customer seemed to be fresh from signing up and expressed that they had a good conversation with Jordan, a company rep. Credit repair involves identifying issues with your credit report, Our Ovation Credit review 2022 reaffirms the companys commitment to personalized credit repair. Credit Takeoff strives to keep our information accurate and up to date. includes everything in the Credit Polish plan but adds the additional value of inquiry targeting and up to 10 challenges to the three credit bureaus every dispute cycle. Read our Disclaimer Policy for more information. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. Bottom Line: Credit Saint vs. Lexington Law. Additionally, looking at customer reviews shows that Lexington Law has significantly more negative reviews than Credit Saint. They then create customized challenge letters for these items and send them to the credit bureaus for a response. In that time, you will have roughly paid the same fees if you selected either service. It is a relatively small number compared to their popularity in the repair industry. Heres a comparison chart to help you understand all the differences between the two companies: Launched a few years after Credit Saint, The Credit Pros has featured on the list of the 5,000 fastest-growing companies in the U.S. for five years in a row. 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. Contact us today to learn more and find out about our additional services. You also get disputes for bankruptcies and repossessions. Is Credit Saint or Lexington Law Cheaper? 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 have the two services performed when it comes to the level of customer care? On their website, they claim most customers stay with them for 6 months. These errors can impact your score and lead to issues in the future. Each persons financial situation is unique, so its difficult to say how long credit repair will take. The company appears to be doing well in this department. They claim that this helps them fastrack the preparation of the initial first round of disputes. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce. 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? Who can you trust when looking for the best payday loans? The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. They have two affordable packages, going for $79 and $109 per month. gives customers the benefits of the lower-level services and TransUnion FICO score, lost wallet protection, a Personal Finance Manager, and Junk Mail Reducer service. Both Lexington Law and Credit Saint offer robust credit repair packages. Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer. Most clients see a 40-point increase in their credit score in six months. All plans are flexible with the option to cancel anytime. 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. All of us feel a little overwhelmed sometimes, and it's nice to have support when times are rough. And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. Learn more about our process. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. It's no secret that businesses want to know what consumers think. And let me be crystal clear, this package is loaded with features not included in the other two offerings. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. It has one of the best guarantees in the industry, which can be a great reason to give it a try. The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. 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. 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. Additionally, Lexington Law's most advanced service level is more than Credit Saint's most advanced package option. Copyright 2021 creditfixed.com All Rights Reserved. Our reviewers evaluate products and services based on unbiased research. Each text is published after its detailed proofreading. They will help you dispute errors on your credit report,remove late payments, and more. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. On the other hand, Credit Saint has not been specific about its use of electronic disputes. Top Reviews. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. UnlikeCredit Saint, however, Lexington Law is not accredited by the BBB. Now that said, Credit Saint is accredited and has an A- rating. Credit Saint has developed packages at different prices to cater to a broad range of customers regardless of their budget. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. Typically, most investigations are concluded within 30 days, but credit bureaus can add 15 days if necessary. 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. The company website has an educational blog that provides customers with valuable information about credit repair. Credit Saint and Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. Its currently under the helm of the original founder, Ross LaPietra. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. Other providers actually specify a minimum credit score improvement. The online dashboard allows customers to track the progress of their credit repair. For instance, they are now offering help to people whose scores may have been affected by the COVID-19 pandemic by helping them leverage reliefs provided by lenders under the CARES act. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. Credit Repair. Where can you find the best online couples therapy? All plans come with a reliable 90-day money-back guarantee. The package also includes score tracking, inquiry targeting, and Experian monitoring. In a past comment, they mention that they go after half of the available items to dispute. Elsewhere, both companies get generally favorable reviews from former and current clients. Which tax relief service is right for you? Regular membership goes for $119.99. Choose which one will help you the most. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. Their four-step process entails: Step 1: Helping clients obtain copies of their credit reports and analyzing them for inaccurate entries to dispute. You know your credit situation better than anyone else, so take this decision seriously. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. They further stated that their 90-day refund policy applies to customers who have not seen any removals. Overall, the process takes as long as needed to remove as many negative items from your report as possible. It all comes down to reputation. It is quick and easy, but dont expect tailored insight or advanced credit repair options. We only recommend products or services that we would use ourselves and have gone through a significant amount of research before posting. Each credit repair firm offers a dedicated customer service line for clients that can help answer any questions you may have. Top Products. Customers can expect a robust experience when working with Lexington Law. Which paid survey companies are the best? From here, you can get status updates, progress reports, and other information about your account and your credit. 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. Credit Saint has a better basic package as it includes the score tracker and score analysis. Sky Blue Credit vs Ovation Credit Services, Sky Blue Credit vs Credit Repair Consultants, The Credit People vs Ovation Credit Services, The Credit People vs MSI Credit Solutions, The Credit People vs Pyramid Credit Repair, The Credit People vs Credit Repair Consultants, Ovation Credit Services vs MSI Credit Solutions, Ovation Credit Services vs The Credit Pros, Ovation Credit Services vs Pyramid Credit Repair, Ovation Credit Services vs Credit Repair Consultants, Credit Saint vs Credit Repair Consultants, MSI Credit Solutions vs Pyramid Credit Repair, MSI Credit Solutions vs Credit Repair Consultants, The Credit Pros vs Credit Repair Consultants, Lexington Law vs Credit Repair Consultants, Credit Repair vs Credit Repair Consultants, Pyramid Credit Repair vs Credit Repair Consultants, Credit Repair Consultants vs Credit Monkey, No first work fees when you add one family member, Over 70 million removals and 22.3 million challenges and disputes, 89% of clients with improvement see an average credit score increase of 40 points. Compared side by side, bothCredit Saintand Lexington Law have comparable pricing, service levels, and speeds of service. They are trailblazers, innovators, and above all, credit experts. In this The Credit Pros review, well have a look at one such company and gauge if its worth a try or not. Its a great place to see their office photos too. But are its programs worth a try? Credit Saint operates on a 45-day dispute cycle. Mike is a recognized credit expert and founder of Credit Takeoff. They are not accredited and have a C rating. Is Credit Saint a Good Credit Repair Company? However, those who are willing to wait are usually the ones who see remarkable results. An achievement that should not go unnoticed. I worked in the credit repair industry for about 10 years. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. Citi is an advertising partner. All Rights Reserved. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. 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. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. Couples discounts & regular work-free promotions. Call us today to take advantage of our no-obligation offer. But make sure that you are reviewing companies that provide an equivalent level of service. 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. 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. Go to the official site, sign up for an account, pay the fee, and the company will get to work right away. . The establishment is transparent about the lawyers it has on its team. They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. 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. Credit repair is just like it sounds: a process by which your credit history and score are improved. **The trust value is based on our independent research. Lexington Law leverages this process to fix their clients' credit. 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. For some complaints, they were willing to offer refunds. Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months. But for now, Lexington Law offers more educational resources. Credit Saint is the oldest credit repair company in the industry. How does this package stack up to Credit Saints Credit Remodel package? Lets get started: Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. After examining the pricing packages of both providers, you will not necessarily save a lot of money by choosing between the top packages offered by the two services. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. The company has a 4.4-star average rating across more than 1,100 Google reviews, with the majority of reviewers praising the companys responsiveness, professionalism, and results. Pena vs. Lexington Law Firm was . One of the key benefits of bad credit loans is their flexibility. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. It also includes a credit analysis component. Additionally, take advantage of the free credit consultations. Monthly pricing is more expensive than Credit Saint. These two companies have many similarities but also some differences that may be important when deciding between the two services. While both companies are BBB accredited, Credit Pros has a current rating of B+. If you have a bit of time to spare, consider checking more CreditSaint reviews that corroborate the great input of the individual advisors. While both credit repair companies have good reputations and similar pricing,Credit Saintedges out Lexington Law in our review. Credit Saint is a solid choice for credit repair. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. Their website contains more information, and you dont have to guess about what services they provide. Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint. When analyzing the professionalism of their customer support reps, we also reviewed how they respond to complaints. And a credit repair company may come to the rescue. If youre shopping around for credit repair services, its something to consider as you compare companies. A 550 credit score is, Building or improving credit can be overwhelming. Lexington Law and The Credit People are both top-ranked companies that are well known for providing quality credit repair services. On the other hand, Lexington Law is quite vague regars to the speed of their service. The last thing you want to do is incur more debt. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. They serve the same function as Credit Saint, which is challenging and disputing items that reflect negatively on your credit report. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. Which foreclosure listing website is the best? Lexington Law vs Credit Saint: Whos Better? Some customers might like the benefit of having these types of legal experts on their side. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? Most Credit Saint credit repair reviews agree that the company can help you solve this issue as it offers identity theft protection with repair services. The company is unique because it compromises solicitors with experience in the niche. Lets review the details of each package. Now, this does not mean that they will allow you to challenge all negative entries at once. However, The Credit Pros has a top plan that is more expensive than Credits Saints most aggressive package. 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. Additionally, Concord Premier will not help you with identity theft. With the Credit Remodel package, Credit Saint will dispute up to 10 inaccurately reported items on your credit report. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. Credit Saint works in 45-day cycles. 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. Credit Saint offers a 90-day money-back guarantee, while The Credit Pros doesnt make any refund promises. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. When you sign up for aCredit Saintaccount, you also get access to a customer dashboard. 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 The companies also have good reviews on average, but Lexington Laws regulatory troubles and less than stellar BBB profile stop it from taking top marks in our review. For instance, you can check reviews on Credit Saint on Google Reviews. Credit Saint - The Winner Blood pressure issues are very common in the United States. Is Credit Saint or Lexington Law Cheaper? For about 10 years report as possible score are improved reviewed how they respond to complaints! Disputing hard inquiries at this level of customer care educational blog that customers! 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