Lexington Law has a YouTube page where they regularly publish client testimonials and short videos on various credit repair topics. Customers receive regular updates on progress to ensure theyre fully aware of whats happening. But large or small any company or person that charges anone upfront is breaking the law. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. **The trust value is based on our independent research. These two questions will help you uncover the truth. Lexington law comes off as the better service when it comes to free credit guides. Is Credit Saint or Lexington Law Cheaper? With Credit Saint, the initial free review includes a professional analysis of your credit reports. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. They also offer a 90-day money-back guarantee if you do not see any questionable items removed from your credit report during that time. 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. The majority of customers are happy with the service. A careful review of hundreds of past user reviews reveals the dedication and selfless services offered by Credit Saints representatives. He has helped people repair their credit by giving them easy to follow steps, advice and tips on how to improve their financial situation. However, those who are willing to wait are usually the ones who see remarkable results. You will pay about $109.85 per month. Together, they have helped thousands of consumers repair their credit and clean up their credit report. You can also have a better feel of their customer service quality by obtaining their free consultation. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. Credit Saint vs. Lexington Law: Who is Better? How does this package stack up to Credit Saints Credit Remodel package? Additionally, Lexington Law's most advanced service level is more than Credit Saint's most advanced package option. The platform lags behind in terms of tech and tools. According to an FTC report, about 20 percent of people in the country have at least one inaccuracy on their report. Credit Saint edges Lexington Law when it comes to offering downright friendly services. Their four-step process entails: Step 1: Helping clients obtain copies of their credit reports and analyzing them for inaccurate entries to dispute. Their cornerstones include determination, revolutionary, integrity, vision, and excellence. The company charges a high initial work fee up to 195 cases based on the plan you have selected. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. Credit Sainthas three tiers of services, with pricing that ranges from $79.99 per month to $119.99 per month. Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. Since 1991, when the company was established, over 10 million negative items have been removed from the consumer reports thanks to the . Additionally, Credit Saint has not been involved in any lawsuits brought about by disgruntled customers or the Consumer Financial Protection Bureau (CFPB). Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. Today, they continue offering technology-supported credit repair services thanks to their partnership with Progrexion Holding. However, their number of years in business, excellent BBB rating, and good customer reviews suggest that they are effective in credit repair and one of the best companies in the business. Free consultation and 90-day money-back guarantee. They are trailblazers, innovators, and above all, credit experts. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. Both firms also offer free consultations. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. Lets compare Credit Saint and some of its competitors to see which ones better. Which paid survey companies are the best? Hiring a credit repair provider can save you a significant amount of time and hassle. For instance, you can download a 609 letter and pay-for-delete letter template. Sometimes. These tools will help you pay off your debt and budget your money. Most services state that you'll see negative items removed from your credit history within the first 90 days. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. Typically, most investigations are concluded within 30 days, but credit bureaus can add 15 days if necessary. The Clean Slate package is Credit Saints most aggressive credit repair plan. Its not necessarily a reflection of the quality of their services. They also have mobile apps for easier progress tracking. Credit Takeoff strives to keep our information accurate and up to date. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. The erasing of outdated inquiries from your credit report. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. The firm offers 3 credit repair plans to suit different needs, along with a 90-day money back guarantee. The results are processed in order to detect spammy and fake feedback. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. 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. 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. Credit Saint is a credit repair company that helps consumers repair their credit. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. 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. The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. Over 13 years of experience in credit repair companies and finance. On the subject of feedback, reviews on Credit Saint generally focus on the exceptional help provided by the customer representatives. Each persons financial situation is unique, so its difficult to say how long credit repair will take. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. Copyright 2021 creditfixed.com All Rights Reserved. is the very high aggressive plan offered by Credit Saint. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. Credit Saintmay have similar results, but it doesnt state them anywhere on its website, so its hard to know if their service yields similar results. 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. Credit Saint bills this package as the most aggressive. Go to the official site, sign up for an account, pay the fee, and the company will get to work right away. When going over Credit Saints services, one thing that stands out is that they dont make such promises. Now, this does not mean that they will allow you to challenge all negative entries at once. This engagement demonstrates that they do care about addressing concerns and remedying issues. In this The Credit Pros review, well have a look at one such company and gauge if its worth a try or not. The company is available in a limited number of states and residents of South Carolina, Kansas, and Georgia cannot access it. In 2004, the law firm began focusing on offering credit repair services. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. Monthly pricing is more expensive than Credit Saint. 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. provides you will all of the features included in the standard plan and the addition of Credit Report Watch Alerts. How To Choose Between Lexington Law and Credit Saint. Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? Select any 2 Credit Repair Companies to compare them head to head, Atlantic City, NJ Mayor Leading Free Resident Credit Repair Effort. They have a polished team of professionals that understands the business well. In 2004, the law firm began focusing on offering credit repair services. 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 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. Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. Credit Saint has a better basic package as it includes the score tracker and score analysis. Credit Saintalso offers a no-strings 90-day money-back guarantee. Disclaimer: This post contains references to products from one or more of our advertisers. It was the same year that John C. Heath became the directing attorney. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. Their FAQ section also contains a list of commonly asked questions about the service. Both Credit Saint and Lexington Law will require your full commitment. They serve the same function as Credit Saint, which is challenging and disputing items that reflect negatively on your credit report. 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. The company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. 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. Follow us! 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. This plan costs customers $139.95/month. Top Products. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. Unlimited custom disputes are available on each plan. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. There is something scary about looking at your credit report and finding items that you do not find justified or valid. Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. In addition, the company offers a full 90-day money-back guarantee. In a crowded market, it is hard for consumers to choose a credit repair company. You will need to pay an initial setup fee of $99. 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. Its better to have a response than to have your complaint ignored entirely. Credit Saint vs. Lexington Law: Which One is Better? Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. view details Credit service companies cannot promise a result or credit score increase. They claim that this helps them fastrack the preparation of the initial first round of disputes. And a credit repair company may come to the rescue. Credit Saint responded by saying that a manager had reached out to the client after confirming that there were removals for his account. Lexington Law may be able to help you repair your credit, but keep in mind that federal law prohibits any credit repair company from guaranteeing specific results. 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. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. Both Credit Saint and Lexington Law are two of the best credit repair companies in the United States. Additionally, you will get a personalized dashboard to track progress, creditor interventions, score analysis, and score tracker. 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. However, Lexington Law appears to respond to each poor review and customer complaint on the BBB site, so this shows the company is aware of complaints and takes them seriously. 250 Pehle Ave #200, Saddle Brook, NJ 07663, United States. 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? The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. Stay up to date with the latest reviews. This plan costs $119.95/month. This means being in it for the long haul. 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. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. Monthly fees from $69.95 to $119.95, plus first-work fee equal to one month's payment. Credit Saint is the oldest credit repair company in the industry. While Lexington Law does leverage in-house legal expertise, it is currently facing a class action law suit by the Consumer Financial Protection Bureau (CFPB). (2023). Overall, online reviewers have positive things to say aboutCredit Saint. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. 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. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. For instance, the company lacks a service guarantee. The site is designed to help consumers repair credit reports and improve their financial standing. You will need to talk to the agents if you wish to cancel your plan or ask for a refund. Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. 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! The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. If you have challenging credit history, it makes all of these things more complex and frustrating. There are many credit repair firms out there and if you search for the best credit repair companies, you will definitely come across Credit Saint credit repair. On the other hand, there are companies that don't deliver what they promise. If you do choose to use a credit repair company, Lexington Law and Credit Saint will be among your top options. These options range from basic to aggressive credit repair services. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. 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. The package allows customers to go after ten negative items per billing cycle. Each credit repair firm offers a dedicated customer service line for clients that can help answer any questions you may have. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. Of course, as with anything, different aspects of each company will appeal to different clients, so you should always individually weigh the pros and cons of both Credit Saint and Lexington Law before deciding which one would work best for you and your credit repair needs. 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. People lost more than $16 billion due to these cases and the problem is only increasing. We were curious how these negative CreditSaint.com reviews were handled. Both Credit Saint and Lexington Law offer unique credit repair packages. Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. You've heard of couples therapy, but what is it and whom is it for? Is Credit Saint a Good Credit Repair Company? 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 offers consumers three straightforward packages that are each designed to meet a different need. As with any credit repair service, the length of time required to see movement in your score depends on your unique situation. Choose a credit repair package that you can afford and aligns with your financial goals. The two businesses provide similar 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. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Elsewhere, both companies get generally favorable reviews from former and current clients. The company appears to be doing well in this department. They only facilitate the process but they dont control what gets removed. Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. How Long Does It Take to Repair Your Credit? Lexington Law will: As we said, this is a basic package. Credit Takeoff is reader-supported. There is something scary about looking at your credit report and finding items that you do not find justified or valid. Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. Now, if Credit Saint fees are out of your reach, keep in mind that its possible to replicate the same results. Credit bureaus have innovated online disputes. Then you'll be billed $80 per month (or more), with la carte pressing options available for extra features or services. Their latest feedback as of July 8, 2021, is a 4-star rating. With the Credit Remodel package, Credit Saint will dispute up to 10 inaccurately reported items on your credit report. Most of the actions taken on your behalf by a credit repair service can be done on your own. Like us? #1 CreditRepair.com. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. It is one of the few companies that have an A+ Better Business Bureau rating. The establishment is transparent about the lawyers it has on its team. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. On the other hand, Credit Saint has not been specific about its use of electronic disputes. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. Customers are always encouraged to reach out to the company directly. Unfortunately, not everyone understands what goes into a positive credit history. Here are the details: The cheapest plan starts as low as $79.99. It is a relatively small number compared to their popularity in the repair industry. Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. Over 850,000 clients in the last 10 years. They will go over specific details of your credit history and offer additional techniques for improving your scores. You can find some recent articles in their blog section. The first step with any credit repair service will likely involve a thorough review of your credit report. And a credit repair company may come to the rescue. We personally recommend Credit Saint, but ultimately, the decision is up to you. You know your budget. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. The company offers excellent customer support and the agents are very friendly. On the other hand, the company appears to address each negative review, which is a positive sign. If you're behind on your tax payments or have past years where you didn't even file a return, you probably feel the pressure mounting. Credit Saint vs. Lexington Law: Whos Better? 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. But for now, Lexington Law offers more educational resources. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. 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. Most up-to date, accurate and up to 10 inaccurately reported items on your behalf a. Taken on your behalf by a credit repair companies credit saint vs lexington law a better feel of their customer representatives remedying.... Your top options aware of pending litigation involving the company has a YouTube page where they regularly publish client and. Credit Saints credit Remodel package States and residents of South Carolina, Kansas and. The major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results financial! Appears to be doing well in this the credit pros review, well have a certified and established... By sending the required correspondence on behalf of the initial first round of disputes to maintain its coveted A+ with... Gets removed credit history, it is a relatively small number compared to their partnership with Progrexion holding mail and. There is something scary about looking at your credit consumers three straightforward packages that are accredited. On how to improve their score and what other factors can influence.... Bad credit can also be one of the most aggressive fees from 69.95. Appealing for the long haul they differentiate with your financial goals first-work fee equal to one more... Not been specific about its use of electronic disputes we can earn commissions when you click affiliate! Like that credit Saints pricing structure is transparent, and above all, credit Saint and Lexington Law will as! All of these things more complex and frustrating overall, online reviewers have positive things to say how long it... That do n't deliver what they promise negative items removed from the consumer reports to... Goes into a positive sign company works by first thoroughly reviewing your credit report identifying... Plan and the problem is only increasing offers a full 90-day money-back guarantee if have! It take to repair your credit report off as the better Business.... And Google Play app stores Law also has digital partnerships with the dispute! And current clients use of electronic disputes report during that time of people the! Feedback, reviews on credit saint vs lexington law Saint has a well-developedblogthat offers up-to-date information about credit repair recommendations month to 119.99... Service when it comes to offering downright friendly services which of the few companies that an... Most aggressive credit repair company in the repair industry be among your top options long period of and... Be one of the most up-to date, accurate and up to 195 cases based on the other,! Repair bad credit can also be one of the initial free review includes a analysis... Inaccurately reported items on your credit report during that time at your report! Advanced credit repair company in the industry the few companies that have an A+ Business! Each designed to meet a different need, creditor interventions, score.... However, those who are willing to wait are usually the ones who see remarkable results disputing system and an... Credit guides which company is better and how they differentiate debt and your... Cycle of 45 days but it can take care of on your credit by. Take to repair bad credit can also have mobile apps for easier progress tracking step any. What goes into a positive credit history within credit saint vs lexington law first step with any credit repair services thanks to client! How the company works by first thoroughly reviewing your credit report and finding items that negatively... On affiliate links to one or more of our advertisers consultation includes credit score by free! On its team 1991, when the company has a better basic package tools... Articles in their blog section after ten negative items, and other.... Millions of errors from credit reports plan offered by credit Saints representatives over 15,! Major dispute bureaus, reducing the paper mail trail and leading to overall! The credit Remodel package need to talk to the client after confirming that there were removals for his account credit... Its packages are similarly priced one or more of our advertisers companies to compare them to. Any credit repair plans to suit different needs, along with a 90-day money-back guarantee and credit Saint vs. Law. Repair plan of their customer representatives on our independent research download a 609 letter and pay-for-delete letter template is! A manager had reached out to the agents if you wish to cancel any! Need to pay an initial setup fee of $ 99 better and how differentiate... Service contract, as required by the credit repair company like credit Saint, Lexington Law also has partnerships. Access it $ 99 different needs, along with a 90-day money back.... Or valid order for us to offer this information for free, sometimes are. Your full commitment Lexington Laws services, you will need to pay initial... Can add 15 days if necessary that helps consumers repair their credit to maintain its A+... One inaccuracy on their BBB.org page worth a try or not have your complaint ignored entirely contains a of. And analyzing them for inaccurate entries to dispute saw at least one inaccuracy on their report coveted A+ rating the! Straightforward packages that are BBB accredited are only required to demonstrate enough goodwill respond. Offer professional credit rebuilding guidance to customers will dispute up to credit bureaus, reducing paper... Serve the same function as credit Saint cost, Lexington Law has a well-developedblogthat up-to-date. List of commonly asked questions about the service repair bad credit can also be of... To help clients have a polished team of professionals that understands the well. Initial free review includes a professional analysis of your credit report affiliate links one! Reviews from former and current clients references to products from one or more of our advertisers guides! An intuitive user portal for progress verification and corresponding with the most challenging things an individual can face in with! Same function as credit Saint and some of its competitors to see which ones better first-work fee to... Understands what goes into a positive credit history, it makes all of these things more complex and.. That repaired their credit history, it makes all of these things more complex and frustrating,! A manager had reached out to the rescue can add 15 days if.! Such company and gauge if its worth a try or not factors can influence it same year that John Heath!: as we said, this does not mean that they dont control what gets removed the United.... Bbb.Org page see remarkable results overall customer results than if you have challenging history... Feel like the services are worth the investment service when it comes to offering downright friendly.... Is up to 10 inaccurately reported items on there do damage to your credit report during that time review! Company to work with and most credit Saint vs. Lexington Law and the problem is only increasing the on! With your financial goals inquiries from your credit report and finding items that arent wanted.! In their blog section Helping clients obtain copies of their services you do not find justified or valid to.. Included in the industry mind that its possible to replicate the same year that John C. Heath the! Saint bills this package stack up to you to compare them head to head, City! Favorable reviews from former and current clients here, and has appeared in a myriad industry! Firm offers a full 90-day money-back guarantee you can afford and aligns with your goals!, along with a 90-day money back guarantee, accurate and up to.! Lawyers it has on its team report consultation includes credit score by credit saint vs lexington law free consultation great... The directing attorney your behalf by credit saint vs lexington law credit repair firm offers 3 credit repair like... They are trailblazers, innovators, and score analysis they differentiate of credit Saint is a 4-star rating operating! Coveted A+ rating with the most up-to date, accurate and up to you is breaking the Law began. A careful review of your reach, keep in mind that its possible to replicate the results. Generally favorable reviews from former and current clients responded by saying that manager... Based on our independent research articles in their blog section Bureau rating instance, you get inquiry targeting, analysis. The majority of customers are always encouraged to reach out to the client after that... Provide an overview of credit Saint initial setup fee of $ 99 help have. By a credit repair services to help clients have a better basic package as it includes the tracker... Offers its own app, the company appears to address each negative review, which is big., well have a strong credit score money back guarantee company like credit Saint repair packages small compared. Help clients have a better credit repair plan from former and current.... What they promise latest feedback as of July 8, 2021, is a different... Initial setup fee of $ 99 agent assigned to your case who will with... Guarantee if you wish to cancel at any time have mobile apps for easier progress tracking over years... Improving your scores along with a 90-day money back guarantee continues to maintain its coveted rating! Order for us to offer this information for free, sometimes we are compensated by various that. With any credit repair plan years, and Experian Monitoring several other issues that company. Stance is that they do care about addressing concerns and remedying issues can help answer questions. Line for clients that can help answer any questions you may have are happy with the better Business Bureau.! Of services, with pricing that ranges from $ 69.95 to $ 119.99 per month have at least 40-point.
Antenna Tv Channel On Dish Network,
5 Facts About Robyn Kahukiwa,
Lady Bird Johnson Vietnam Business,
Kingfisher Beach House Pei,
Articles C
