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. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. The firm offers 3 credit repair plans to suit different needs, along with a 90-day money back guarantee. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. Is Credit Saint or Lexington Law Cheaper? Choose which one will help you the most. Now that said, Credit Saint is accredited and has an A- rating. Lexington Law is not accredited by the Better Business Bureau. Because its a real law firm, Lexington Law is different than most other credit repair companies. The company charges a high initial work fee up to 195 cases based on the plan you have selected. They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. Based on our analysis of both companies customer ratings, pricing, educational resources, and speed of service, we thinkCredit Saintcomes out on top. Takeaways for Choosing Between Lexington Law and Credit Saint. So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. Which blood pressure supplement is the best? At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. Credit Saint is a repair company that was established in 2004 with the sole purpose of 'helping Americans fix their shaky credit histories.' Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. And, there's something to be said for letting the experts do the work, using their knowledge and connections to ensure that your credit repair process is done effectively. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. Thats because you will need to work with someone to identify potential dispute candidates. And if you need to upgrade to another package, you can. 2019 - 2023 SimpleMoneyLyfe LLC. Plus, it is BBB accredited with very few complaints under the belt. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. Free online consultation. Credit Saint works in 45-day cycles. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. There are so many different ways to go. For consumers, Credit Saint is the cheaper option. If youre looking for straightforward credit repair without a lot of frills and extras, you can probably accomplish your goals with the Concord Standard plan. The only claim to dispute nonfactual information in the credit report. A lot of companies in 2022 promise to Disclaimer: We provide free content for our users. With the facts presented before you, we hope our research provides clarity to your situation. While it is pretty reliable and popular, it doesnt have a very good BBB rating, unlike Credit Saint. Credit Saint has a 45-day repair cycle. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. They claim that this helps them fastrack the preparation of the initial first round of disputes. 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. Who provides the best debt relief? Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. 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. 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. Credit Saint BBB rating is pretty impressive. SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. These options range from basic to aggressive credit repair services. Sometimes. Read our Disclaimer Policy for more information. Credit Saint vs. Lexington Law: Whos Better? Lexington Law currently has a pending federal lawsuit that alleges deceptive and unlawful marketing and billing practices (the company is currently disputing the suit and has filed a motion to dismiss it). Unfortunately, not everyone understands what goes into a positive credit history. If you search the web for tips on how to repair your credit, you will come across Creditrepair.com reviews. However, Lexington Law says that 70 percent of its customers saw a 40-point improvement in their credit score after six months of using the service. This engagement demonstrates that they do care about addressing concerns and remedying issues. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. Credit Saint vs. Lexington Law: Who is Better? Both companies are careful to note that its hard to know how long it will take to see results with their services, and Lexington Law correctly states that its illegal for any credit repair company to guarantee results. The companys LinkedIn profile shows that they have about 43 employees. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. Both Lexington Law and Credit Saint offer robust credit repair packages. (2023), Lexington Law vs. Credit Saint: Credit Repair Packages and Price, Credit Saint vs. Lexington Law: Educational Resources. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. 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. Get started today with a FREE credit consultation. The majority of customers are happy with the service. 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. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. The service has accumulated about 47 complaints on its BBB.org page in the last three years. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. Finally, our readers comes first. Are you typically available to make calls during business hours? #1 CreditRepair.com. 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. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. How to Dispute Medical Bills on Your Credit Report? You know your budget. Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. How Long Does It Take to Repair Your Credit? Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. It's no secret that businesses want to know what consumers think. So, all-in-all, this package is not that different from their Clean Slate offering. Both services also go out of their way to help customers recover from bad credit by offering additional advice. Purchase protection is a common credit card benefit that allows consumers to file a claim with their issuer to receive replacement, repair or reimbursement for any Lexington Law Review (2023): Legit Credit Repair Firm or Not? Regardless if a company is compensating us or not, we only accept these opportunities when the post, will be helpful or valuable to our readers and is something that fits within the context of this blog. These two companies have many similarities but also some differences that may be important when deciding between the two services. You will pay about $109.85 per month. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. 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. The package also includes score tracking, inquiry targeting, and Experian monitoring. On their BBB.org page, the company responds to complaints within five business days at most. How have the two services performed when it comes to the level of customer care? Credit Saint does a simple job it reviews your credit report and addresses factors that can impact it. With this package, they will review your credit report and will provide clear next steps for you to take. These two companies have many similarities but also some differences that may be important when deciding between the two services. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. The company goes beyond the scope of a traditional credit repair services provider by offering excellent resources and free consultation, which can be a great way to get started. This plan costs $119.95/month. In addition to legal representation, they also offer a credit monitoring and repair service that comes in three different tiers. Copyright 2021 creditfixed.com All Rights Reserved. Are you looking to move somewhere new? This team of legal professionals is known for solving the most complex credit problems. Both Credit Saint and Lexington Law offer unique credit repair packages. Who can you trust when looking for the best payday loans? You also get disputes for bankruptcies and repossessions. If you add a family member from the same household to the service, Credit Saint will waive the $99.00 initial work fee for this member (or members). The plan only allows customers to challenge up to 5 negative entries for each billing cycle. 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. If youre considering a credit repair service, its important to take positive and negative reviews as a whole before you make a decision. This implies they will send out a new round of credit report disputes every 45-days. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. Lexington Law begins the process as soon as 48 hours. Top Rated Services. The two businesses provide similar services. We break down the benefits and possible drawbacks of both services, so you can choose whichcredit repairservice is right for you. Where can you find the best Moving Company? They will go over specific details of your credit history and offer additional techniques for improving your scores. According to an FTC report, about 20 percent of people in the country have at least one inaccuracy on their report. They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. Credit Saint prices are a little on the higher side especially in comparison to alternatives. If we feel this product or service is not to our standards we will not recommend solely due to money. 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. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. It has a company mobile app (Apple and Android) where you can monitor account progress from the convenience of your phone. Lexington Law will: As we said, this is a basic package. 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. Which tax relief service is right for you? This can offer a great deal of peace of mind when youre worried about getting yourcredit score back on track. This shouldnt be considered a drawback since no company in this niche can make such promises. 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. How does this package stack up to Credit Saints Credit Remodel package? Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. No clear statistics about how many challenges and deletions theyve successfully entered through the years to improve or repair peoples credit. 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. Free consultation and 90-day money-back guarantee. Making it possible to keep tabs on your FICO rating as well as your scores from other reporting bureaus using credit monitoring services. These are things to consider as you begin to repair your credit. When analyzing the professionalism of their customer support reps, we also reviewed how they respond to complaints. The step below PremierPlus is Concord Premier. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. They then create customized challenge letters for these items and send them to the credit bureaus for a response. Most clients see a 40-point increase in their credit score in six months. They further stated that their 90-day refund policy applies to customers who have not seen any removals. It is a well-known credit repair company in the industry that offers some great features. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce. Here are a few things to keep in mind as you decide: To help you get your finances back on track, TopConsumerReviews.com has evaluated and ranked the most popular credit repair services available today. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. Customers can expect a robust experience when working with Lexington Law. Overall, online reviewers have positive things to say aboutCredit Saint. 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? 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. Learn more >. I love, helping people become smarter about their credit and finances. Lexington Law vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. **The trust value is based on our independent research. Lets get started: Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. As mentioned earlier, there are many companies offering similar services. There is something scary about looking at your credit report and finding items that you do not find justified or valid. Lexington Law offers three different levels of credit repair services ranging from $89.95 per month to $129.95 per month. Protection against identity theft services. The package allows customers to go after ten negative items per billing cycle. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. You know your credit situation better than anyone else, so take this decision seriously. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. 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