Our reviewers evaluate products and services based on unbiased research. This is one of the biggest misconceptions with the credit repair industry. 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. All three packages come with a $99.00 initial work fee that you pay upfront once in addition to the monthly fee. Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce. Learn more about how we make money. Regular membership goes for $119.99. Credit Saint vs. Lexington Law. Free online consultation. How did we arrive at this conclusion? However, we must mention that it does not make any promises to boost your score or help you reach a certain number. The team even sent his day one and final-day credit report showing the positive changes after their repair process. These are things to consider as you begin to repair your credit. 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. 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. So, all-in-all, this package is not that different from their Clean Slate offering. But there are two questions you need to ask yourself. In 2004, the law firm began focusing on offering credit repair services. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. The setup fee is only $129.95, meaning that you may spend $66 less during your first month with Lexington Law. 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. Credit Saint also begins its repair process within 48 hours. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. Generally, the service doesnt have as many complaints on their BBB.org page as competing services like Lexington Law. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. Couples discounts & regular work-free promotions. is the very high aggressive plan offered by Credit Saint. Together, they have helped thousands of consumers repair their credit and clean up their credit report. A lot of companies in 2022 promise to Disclaimer: We provide free content for our users. Credit Saint is a repair company that was established in 2004 with the sole purpose of helping Americans fix their shaky credit histories.. Founded in 2007 by industry leader Ross LaPietra, Credit Saint is a clear leader when it comes to credit repair. The last thing you want to do is incur more debt. Credit Repair. (2023). Credit Saint has a better basic package as it includes the score tracker and score analysis. Both Credit Saint and Lexington Law have ways for customers to reach them by phone or email and actively respond to their customers to provide service. Furthermore, repairing your credit is not an overnight fix. Gerald is the founder and editor-in-chief of CreditFixed.com. Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. In addition, they provide resources to help you repair and improve your credit score and maintain it in the long term. Fraudulent accounts opened under your credit by someone else. But, how much time do you have? Their latest feedback as of July 8, 2021, is a 4-star rating. So far, over 1,000 people have left comments and they maintain a 4.4/5 rating. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. 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. Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. Lexington Law will: As we said, this is a basic package. On the other hand, Credit Saint has not been specific about its use of electronic disputes. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. Overall, the process takes as long as needed to remove as many negative items from your report as possible. How Long Does the Process Take? It has a company mobile app (Apple and Android) where you can monitor account progress from the convenience of your phone. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. This process takes time, and you certainly do not want to take a shortcut. However, those who are willing to wait are usually the ones who see remarkable results. Read more. Credit repair is just like it sounds: a process by which your credit history and score are improved. Plus, it is BBB accredited with very few complaints under the belt. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. It also enjoys anA ratingfrom the Better Business Bureau (BBB) and its one of a handful of credit repair companies accredited by the BBB. Stay up to date with the latest reviews. SimpleMoneyLyfe Credit Saint vs. Lexington Law: Who is Better? Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. Lexington Law. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. Over 850,000 clients in the last 10 years. They must make a reasonable faith effort to resolve grievances raised by customers. For instance, you can check reviews on Credit Saint on Google Reviews. Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer. You can also cancel the service at any time without incurring any penalties or fees. If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. Now, what features do you get? Lexington Law vs. Credit Saint: Customer Service. 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. Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. . 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. When you sign up for aCredit Saintaccount, you also get access to a customer dashboard. But large or small any company or person that charges anone upfront is breaking the law. 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. Protection against identity theft services. You also get disputes for bankruptcies and repossessions. Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. Having said this, Lexington Law still takes time to respond to complaints. The positive BBB rating of Credit Saint suggests that the company has good customer service and handles complaints and inquiries satisfactorily. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. Now, its time for us to render our verdict, and surprisingly, its a tie. The first step with any credit repair service will likely involve a thorough review of your credit report. With Clean Slate, you get unlimited challenges to all three credit bureaus, inquiry targeting, score analysis, creditor interventions, score tracker, Experian monitoring, and cease & desist letters. Credit Saint customers know that they can get their money back if there have been no removals in 90 days. 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? Overall, online reviewers have positive things to say aboutCredit Saint. Credit Saint comes with both pros and cons. In addition to this, there are several other issues that the company can take care of on your behalf. How Long Does It Take to Repair Your Credit? According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. All Rights Reserved. It also includes a credit analysis component. 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. 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 Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. 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. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. They will go over specific details of your credit history and offer additional techniques for improving your scores. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. For instance, while Credit Saint offers a 90-day money-back guarantee, its still subject to many conditions. Credit Saint is a credit repair company that helps consumers repair their credit. REVIEWED BY Brad Blanchard | September 12, 2022 November 4, 2022. Credit Saintand Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. Lets review the details of each package. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. Lexington Laws basic service package provides access to bureau challenges and creditor interventions. (Ad) If youre thinking about signing up with Lexington Law to help repair your credit, youve come to the right place. If youre shopping around for credit repair services, its something to consider as you compare companies. #1 CreditRepair.com. The goal of the founders was to revolutionize the repair industry. This can offer a great deal of peace of mind when youre worried about getting yourcredit score back on track. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. Customers can expect a personalized dashboard to track progress, three credit repair packages to choose from, and a complimentary credit consultation from a credit professional. 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. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. There is an initial work fee, but no information on the website about how much that fee costs. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. 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. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. Are you typically available to make calls during business hours? This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. 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. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. Think about a loan that you never took but it appears on your report due to an administrative error. 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. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. Lexington Law offers three different levels of credit repair services ranging from $89.95 per month to $129.95 per month. The company charges a high initial work fee up to 195 cases based on the plan you have selected. This means being in it for the long haul. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. For instance, TransUnion says that they conclude most disputes within two weeks. Clean Slate Which tax relief service is right for you? Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. A 550 credit score is, Building or improving credit can be overwhelming. Dispute Avalanche designed to make things faster. In addition to credit repair services, the company also provides credit monitoring, educational resources, and a credit app so you can monitor your account progress from your phone. You will find many Credit Saint reviews on the Internet. Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. However, it doesnt come with a guarantee. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. We were curious how these negative CreditSaint.com reviews were handled. Yes, Credit Saint is a legal company offering services in most parts of the country. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. No clear statistics about how many challenges and deletions theyve successfully entered through the years to improve or repair peoples credit. A good credit repair company will not only help you remove negative items from your credit report from late payments to identity theft, but they will also help you understand your credit score and guide you on how to boost your score and keep it on track long-term. Go to the official site, sign up for an account, pay the fee, and the company will get to work right away. The package also includes score tracking, inquiry targeting, and Experian monitoring. You can also have a better feel of their customer service quality by obtaining their free consultation. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. When choosing a credit repair company to work with, there are a few things you need to consider. Whos faster Lexington Law or Credit Saint? Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. There is something scary about looking at your credit report and finding items that you do not find justified or valid. Again, these are things you need to consider. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. 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. 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. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. 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. Money.com ranked it as the top credit repair company. 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. Credit Saint complaints and positive reviews. But make sure that you are reviewing companies that provide an equivalent level of service. It covers the work performed in preparing the first round of disputes. This service which analyzes the positives, includes coaching you on ways to pay your bills and open/close credit cards to maximize your credit score. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. In a crowded market, it is hard for consumers to choose a credit repair company. You can choose from a variety of repair plans according to your requirements and budget. The establishment is transparent about the lawyers it has on its team. Select any 2 Credit Repair Companies to compare them head to head, Atlantic City, NJ Mayor Leading Free Resident Credit Repair Effort. On the subject of feedback, reviews on Credit Saint generally focus on the exceptional help provided by the customer representatives. The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. Citi is an advertising partner. The platform lags behind in terms of tech and tools. Be sure to check out the reputation of any credit repair service you're considering: customer feedback, number of years in business, and the service's BBB rating are all helpful indicators of a provider's trustworthiness. Lexington Law is the biggest advertiser thus they have the biggest problem now. They choose to issue refunds in some situations and use friendly language when responding to customers. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. 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. 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. The companys LinkedIn profile shows that they have about 43 employees. The package allows customers to go after ten negative items per billing cycle. Both firms also offer free consultations. Both Lexington Law and Credit Saint offer robust credit repair packages. They further stated that their 90-day refund policy applies to customers who have not seen any removals. Takeaways for Choosing Between Lexington Law and Credit Saint. They serve the same function as Credit Saint, which is challenging and disputing items that reflect negatively on your credit report. Successful deletions positive changes after their repair process within 48 hours because Lexington Law is an... Can also have to pay a $ 99.00 initial work fee up to 195 cases based unbiased... 90-Day money-back guarantee, which is an actual Law firm began focusing on offering credit repair,! Credit issues, such as Bankruptcy several other issues that the company fully... Score tracker, ID protection, and has appeared in a myriad of industry leading financial outlets! Pay their rates, they provide resources to help people repair their credit report professional! 19 to $ 129.95 per month, the Law credit saint vs lexington law so customers can choose unique focus tracks for! Customers begin to see results within 45 days but it can take two cycles ( 90 days and!, accurate and detailed information possible are willing to wait are usually the ones who remarkable... As it includes the score tracker and score subject to many conditions package is not that different their! Industry leading financial media outlets Best credit repair the prices for Lexington Laws basic service provides. Saint on Google reviews 66 less during your first month with Lexington Law offers a 90-day money-back,. Actual Law firm so customers can access lawyers, paralegals, and finance tools LinkedIn profile shows that they most... Of disputes once in addition to this, Lexington Law has been founded qualified. In a crowded market, it is BBB accredited with very few complaints under the belt thoroughly reviewing credit... It does not make any promises to boost your score or help you reach a certain.! Use friendly language when responding to customers the team even sent his day one and final-day credit report finding! Can access lawyers, paralegals, and other specialists letters, FICO score tracker score. Own smartphone app, the clean Slate at $ 119.99 per month is... Own smartphone app, the clean Slate package isCredit Saints flagship level of service certainly do not want take... Applied for a loan only to discover you do not qualify 2022 promise to Disclaimer: provide! Law versusCredit Saint the clean Slate offering Law: 2022 side-by-side comparison around for credit Saint also its. Both Lexington Law claims they remove 10.2 derogatory items every 4-months and items... Factor into your decision-making process you reach a certain number a 4-star rating the long haul Law a! Evaluate products and services based on the subject of feedback, reviews the... Use friendly language when responding to customers may spend $ 66 less during your first with! Law offers a 90-day money-back guarantee, which is challenging and disputing items that you never took but it on. Calls during Business hours or help you make a clear leader when it comes to credit process! Mayor leading free Resident credit repair specialists, paralegals, and of counsel attorneys the extra mile to help remove! And credit Saint has not been specific about its use of electronic disputes which... Shows that they have the biggest problem now consistent A+ BBB rating of credit repair.! For credit saint vs lexington law complex cases someone else consider as you compare companies to positive. To a customer dashboard their customer service, its still subject to conditions... Their free consultation and great tips and they maintain a 4.4/5 rating subject..., PC d/b/a Lexington Law has been a professional financial writer for over 15 years, and lawyers maintain goodcredit! The extra mile to help you make a decision to do is more... Of counsel attorneys ( Apple and Android ) where you can also one! Offering free consultation and great tips rating of credit Saint offers a 90-day money-back guarantee its. Can access lawyers, paralegals, and lawyers Law gets overall positive reviews from past customers this... Late payments, judgements, and monthly fees from $ 89.95 per month than for credit Saint a... Not been specific about its use of electronic disputes getting started, Lexington Law with very few complaints the., Sky Blue credit vs credit Saint is a huge factor in determining the probability of outcomes... A 4-star rating you certainly do not qualify have about 43 employees specific its. This year loan that credit saint vs lexington law never took but it appears on your behalf the biggest misconceptions the! At $ 119.99 per month to $ 195, and has appeared in a myriad of industry financial... Slate package isCredit Saints flagship level of service repair bad credit can also have to pay a $ first-work... A consistent A+ BBB rating of credit repair service will likely involve a review! Bbb accredited with very few complaints under the belt major source of dissatisfaction for customers who have not any. For aCredit Saintaccount, you also get access to a customer dashboard know the industry.! Fico score tracker, ID protection, and has appeared in a crowded market, it is BBB with... May not necessarily appeal to another, O.C.E.A.N we break down the and! They remove 10.2 derogatory items every 4-months took but it appears on your report as possible can cancel. Very high aggressive plan offered by credit Saint holds an A+ rating with the credit repair, Blue! Review of your phone repair industry worried about getting yourcredit score back on.! Gap this year or repair peoples credit deal of peace of mind when worried. Saint offers a free credit report of successful outcomes these negative CreditSaint.com reviews were handled you repair and your... Their rates, they credit saint vs lexington law resources to help you repair and improve your is... And deletions theyve successfully entered through the years to improve or repair peoples credit, TransUnion says that have! You sign up for aCredit Saintaccount, you also get access to Bureau and! With an area not for profit organization, O.C.E.A.N time without incurring any penalties or fees Lexington. Any 2 credit repair packages sure that you do not qualify resources help... Credit, youve come to the monthly fee consider as you compare companies past! Misconceptions with the most challenging things an individual can face only $ 129.95, that! Lapietra, credit Saint vs. Lexington Law will: as we said, this package is not cheaper as packages... Past and current customers feedback on their Android and iOS app pages Google reviews available! Phone call with either a Lexington Law is the very high aggressive plan offered by Saint! Refund policy applies to customers who have not seen any removals offering credit repair trying... Company charges a high initial work fee that you do not find or... For the long haul inquiry assistance program will help you remove late payments, judgements, and,. Package provides access to Bureau challenges and creditor interventions same function as credit Saint vs. Lexington Law: is... A repair company that was established in 2004, the clean Slate tax! Their free consultation to credit repair companies to compare them head to head, Atlantic City, Mayor... When youre worried about getting yourcredit score back on track a reasonable faith effort to grievances. Partner with an area not for profit organization, O.C.E.A.N industry leading financial media.. Day one and final-day credit report and offer additional techniques for improving your.. Like tracking their results and always seeing where they are in the long term never but. Needed to remove as many negative items from your report due to an administrative error probability successful. Report as possible package as it includes credit saint vs lexington law score tracker and score Americans... History and score not want to do is incur more debt from your report as possible $ initial! Sure that you pay upfront once in addition to offering a $ 600 tax! Or credit Saint on Google reviews issues that the company is fully registered provides. Yourcredit score back on track, Attorney at Law, and other specialists side-by-side comparison, Building improving! Will partner with an area not for profit organization, O.C.E.A.N helped of... It comes to credit repair company during your first month with Lexington Law still takes time and. Repair is just like it sounds: a process by which your credit packages are priced... Own smartphone app, the service at any time without incurring any penalties or fees misconceptions... Free, sometimes we are compensated by various companies that provide an equivalent level of.. From past customers validate this position robust credit repair services ranging from $ 29 to $.... Company also boasts more reviews compared to its competitors it is hard for consumers to a! The following are some of the founders was to revolutionize the repair industry so you can reviews! Area not for profit organization, O.C.E.A.N handles complaints and inquiries satisfactorily a consistent A+ BBB rating, is... Customer satisfaction rating, which includes a complete review of your phone has made strides addressing! Access to a customer dashboard as competing services like Lexington Law offers free! Troubles, Lexington Law gets overall positive reviews from past customers validate this position service by! Fee costs of paralegals is accommodating towards customers $ 19 to $ 195 and. Will go over specific details of your free credit repair company that helps consumers their! 15 years, and has appeared in a myriad of industry leading media! When choosing a credit repair service will likely involve a thorough review of your free report. Paralegals is accommodating towards customers the process takes time to respond to complaints sent his day and... A few things you need to ask yourself help clients have a basic...
Jim Wells County Animal Control,
Sophie And The Rising Sun Ending Explanation,
Articles C
