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. Well, there are no significant differences. Like we said earlier, repairing your credit is a long process. Finally, our readers comes first. The service has accumulated about 47 complaints on its BBB.org page in the last three years. Are you typically available to make calls during business hours? Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. It covers the work performed in preparing the first round of disputes. They will go over specific details of your credit history and offer additional techniques for improving your scores. 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. The erasing of outdated inquiries from your credit report. 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. How To Choose Between Lexington Law and Credit Saint. Finally, Lexington Laws active pending lawsuit has slightly damaged its reputation among credit repair companies. In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. This information may be different than what you see when you visit a financial institution, service provider or specific products site. UnlikeCredit Saint, however, Lexington Law is not accredited by the BBB. 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! When going over Credit Saints services, one thing that stands out is that they dont make such promises. 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. Log in, Cost Comparison of Lexington Law Vs. Credit Saint, Lexington Law Credit Repair Packages and Pricing, Credit Saint Credit Repair Pricing and Packages, Credit Repair Results of LExington Law Vs. Credit Saint. Now, this does not mean that they will allow you to challenge all negative entries at once. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. Plus, it is BBB accredited with very few complaints under the belt. While it doesnt always work, there is still a chance of success. As mentioned earlier, there are many companies offering similar services. Dispute Avalanche designed to make things faster. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. 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. The company is also an actual Utah-based law firm that deals with other legal matters as well. Based out of New Jersey, Credit Saint has been in business for over 15 years and has a BBB rating of A. This strong rating means they are a reliable and trustworthy company. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. The client liked that Jordan recommended a plan that was suitable for his needs. Each plan varies in offerings and is priced differently. Follow us! Rather than jumping to conclusions, we will first present facts about the two credit repair services. Customers can expect a robust experience when working with Lexington Law. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. And this gives you a chance to ask questions and explore your options. 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. The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. In addition, they provide resources to help you repair and improve your credit score and maintain it in the long term. They have a polished team of professionals that understands the business well. 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. This may impact how, where, and in what order products appear. Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. You also get disputes for bankruptcies and repossessions. Where can you find the best Moving Company? Lexington Law takes a personalized approach to credit repair. Disclaimer: This post contains references to products from one or more of our advertisers. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. Citi is an advertising partner. Customers also like tracking their results and always seeing where they are in the credit repair process. provides you will all of the features included in the standard plan and the addition of Credit Report Watch Alerts. They then create customized challenge letters for these items and send them to the credit bureaus for a response. Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. Now, what features do you get? The company offers excellent customer support and the agents are very friendly. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. Lets take a closer look at their pricing packages and provided features: Creditsaint allows customers to choose from three pricing packages: Its their most advanced package, and customers will pay an initial work fee of $195. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. Overall, online reviewers have positive things to say aboutCredit Saint. 250 Pehle Ave #200, Saddle Brook, NJ 07663, United States. They are not accredited and have a C rating. view details Credit service companies cannot promise a result or credit score increase. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. Fraudulent accounts opened under your credit by someone else. While both companies are BBB accredited, Credit Pros has a current rating of B+. 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. Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. With this package, they will dispute up to 5 inaccurately reported items on your credit report. Credit Saint can improve it by removing items that appear incorrect due to issues such as administrative errors, calculation errors, etc. Like us? If youre looking for the cheapest plan, you are better off using Credit Polish offered by Credit Saint. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? This team of legal professionals is known for solving the most complex credit problems. If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. In a crowded market, it is hard for consumers to choose a credit repair company. 1-833-333-8277 Cody Johnson, Managing Attorney, John C. Heath, Attorney at Law, PC, d/b/a Lexington Law Firm, 20620 North 19th Avenue, Phoenix, Arizona 85027 So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. This means you will get your money back if the company fails to remove any inaccurate items from your report within 90 days of signing up. Private Dashboard Talk to us as much or as little as you like. So, shopping around for credit repair firms is highly advised. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. One of the best ways to compare Lexington Law and Sky Blue is to look at their pricing and packages. 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. 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. If you search the web for tips on how to repair your credit, you will come across Creditrepair.com reviews. This implies they will send out a new round of credit report disputes every 45-days. Monthly pricing is more expensive than Credit Saint. But if you have a lot more to spend, you may get more value by choosing Lexington Laws Advanced package. Note that bbb.org is not the primary channel for raising or addressing complaints. Credit Saint customers know that they can get their money back if there have been no removals in 90 days. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. Top Consumer Reviews. You will need to pay an initial setup fee of $99. On the downside, it is not a 100% guarantee. On the other hand, there are companies that don't deliver what they promise. #1 CreditRepair.com. It all comes down to reputation. If youre shopping around for credit repair services, its something to consider as you compare companies. Credit Saint BBB rating shows that the company is reliable and loved by people. Is Credit Saint a Good Credit Repair Company? Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. The positive BBB rating of Credit Saint suggests that the company has good customer service and handles complaints and inquiries satisfactorily. Opinions expressed on this site are the authors alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. This engagement demonstrates that they do care about addressing concerns and remedying issues. By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. Actually, their cheapest and most expensive plans differ by about $10. Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. It has one of the best guarantees in the industry, which can be a great reason to give it a try. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. Their four-step process entails: Step 1: Helping clients obtain copies of their credit reports and analyzing them for inaccurate entries to dispute. On the other hand, Lexington Law is quite vague regars to the speed of their service. However, the biggest takeaway with this package is unlimited disputes. Credit Saint vs. Lexington Law: Whos Better? There are no incurring fees, which means you will not have to worry about signing up for a long period of time. The plan only allows customers to challenge up to 5 negative entries for each billing cycle. This is said to be one of Credit Saints most popular plans and it comes with the following features: People who spend a lot can consider this plan as it is the companys most expensive plan starting at $119.99 a month. Unlimited custom disputes are available on each plan. On the positive side, you will get 100% of your money refunded if the company fails to remove any item within 90 days of signing up given that youve made full payment and you meet every other requirement given on the official website. The site is designed to help consumers repair credit reports and improve their financial standing. 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. Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. Both brands have built up a loyal following and have good reviews on TrustPilot. According to an FTC report, about 20 percent of people in the country have at least one inaccuracy on their report. Credit Saint operates on a 45-day dispute cycle. These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. Credit Saint offers consumers three straightforward packages that are each designed to meet a different need. 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. You can also cancel the service at any time without incurring any penalties or fees. These are things to consider as you begin to repair your credit. Many common customer complaints include failing to get results, overpromising results, and overcharging for services. Both Credit Saint and Lexington Law offer unique credit repair packages. Other than that, you still get all the extra features available on the Clean Slate package. 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. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. 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. All Rights Reserved. It is one of the few companies that have an A+ Better Business Bureau rating. However, it doesnt come with a guarantee. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Lexington Law will: As we said, this is a basic package. They further stated that their 90-day refund policy applies to customers who have not seen any removals. Lexington Law provides better tools, and we particularly like their focus tracks. The first step with any credit repair service will likely involve a thorough review of your credit report. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. It was the same year that John C. Heath became the directing attorney. If we feel this product or service is not to our standards we will not recommend solely due to money. Seeing tangible results can motivate you to stay on track with maintaining good credit. With the facts presented before you, we hope our research provides clarity to your situation. Unfortunately, not everyone understands what goes into a positive credit history. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). Lexington Law leverages this process to fix their clients' credit. A 550 credit score is, Building or improving credit can be overwhelming. These things suggest the companys customer service pleases its customers. 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. Not many people are fully aware of what credit repair firms do or why they need to hire one. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. Consistently ranked as the top service on finance sites, Offers unlimited challenges per dispute cycle, Free non-obligatory credit repair consultation, Tailors services and disputes to each situation, 90-day refund policy means a worry-free service, Offers education on other ways to optimize scores, Intuitive dashboard for tracking challenges, Responds to complaints with care and attention. SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. Credit Saint is a solid choice for credit repair. Top Reviews. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. **The trust value is based on our independent research. According to the CFPB, this behavior was unlawful, as federal statutes prohibit credit repair companies from taking any money from customers until the company has done work on the customers behalf. Lexington Law is not accredited by the Better Business Bureau. Credit Polish is Credit Saints most basic credit repair package. Which blood pressure supplement is the best? If you choose this one, you will also have to pay the first-work fee of $195. The law firm will provide your TransUnion credit report summary and Transunion FICO score. Lexington Law vs. Credit Saint: Customer Service. The wrong loan and credit card balances listed. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. It includes all of the services of the other plans but also adds the value of unlimited challenges to the three credit bureaus. It has a company mobile app (Apple and Android) where you can monitor account progress from the convenience of your phone. Unfortunately, Credit Saint does not have a robust blog on its website; however, that is changing according to our research. The setup fee is only $129.95, meaning that you may spend $66 less during your first month with Lexington Law. An achievement that should not go unnoticed. 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. Customers must receive a free credit consultation with Lexington Law to receive complete pricing. Some customers might like the benefit of having these types of legal experts on their side. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee Credit Takeoff strives to keep our information accurate and up to date. 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 is one of the most reputable credit repair industry players, helping thousands of clients in the US to repair their credit scores and clean their credit reports. Both Credit Saint and Lexington Law will require your full commitment. Both firms also offer free consultations. Although both companies have remained in business for a long time, are well-known, and have served many clients, deciding which one to use is a matter of personal preference. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. It can remove judgments and help improve your credit score. Couples discounts & regular work-free promotions. 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. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. I love, helping people become smarter about their credit and finances. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. This means being in it for the long haul. But for now, Lexington Law offers more educational resources. Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? 8.2 million removals and 26+ million challenges and disputes since 2012. 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. It also includes a credit analysis component. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. You can also compare Credit Saint vs Lexington Law by exploring all of the top credit repair services. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. Most credit repair services offer a free consultation, to determine if you're eligible for their help and which approach to take in your specific case. There are a lot of credit repair companies to choose from, and it can be hard to know which one is the best fit for your needs. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. 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. Both Credit Saint and Lexington Law charge customers a fee each month for their services. 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. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. 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. From removing negative items to filing disputes with all three credit bureaus, and everything in between, they possess the talent and knowledge to do it all. 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. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. The goal of the founders was to revolutionize the repair industry. 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. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. You can find some recent articles in their blog section. Credit repair services typically charge a one-time setup fee and monthly service fees. 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 company charges a high initial work fee up to 195 cases based on the plan you have selected. 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. 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. How to Dispute Medical Bills on Your Credit Report? However, articles or reviews may contain affiliate links and we may earn a commission. These options range from basic to aggressive credit repair services. Here is what is included: This package does not include tailored cease and desist letters, personal finance tools, or the helpful FICO Score Tracker. Free online consultation. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. Customers are always encouraged to reach out to the company directly. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. In addition to this, there are several other issues that the company can take care of on your behalf. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. Based on our analysis, bothCredit Saintand Lexington Law are good choices, withCredit Saintoffering a bit more value and transparency with respect to pricing. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. It is quick and easy, but dont expect tailored insight or advanced credit repair options. Call us today to take advantage of our no-obligation offer. How Long Does It Take to Repair Your Credit? 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. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. 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. Of pending litigation involving the company directly is a basic package credit saint vs lexington law States 07663, United States and! Fee and monthly service fees be cheaper in your credit, you will also have to pay an initial fee! Of pending litigation involving the company directly reviews you might find interesting and! 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