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Is Credit Saint or Lexington Law Cheaper? Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. Customers expect to see immediate results. Additionally, Lexington Law's most advanced service level is more than Credit Saint's most advanced package option. Which foreclosure listing website is the best? For consumers, Credit Saint is the cheaper option. UnlikeCredit Saint, however, Lexington Law is not accredited by the BBB. They are trailblazers, innovators, and above all, credit experts. And let me be crystal clear, this package is loaded with features not included in the other two offerings. That said, Lexington Laws website states that 70 percent of their clients saw their credit scores increase an average of 40 points within six months of using the service. However, in our opinion, the best bang for your buck is Credit Saint. Top Reviews. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. How did we arrive at this conclusion? Where can you find the best Moving Company? One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. You will find many Credit Saint reviews on the Internet. The Credit Pros doesnt boast of the same high regard, even though they claim to work with a team of FICO-certified experts. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. Both companies have been in business for several years and offer quite a bit in terms of credit repair services and additional services. Regular membership goes for $119.99. You know your budget. Purchase protection is a common credit card benefit that allows consumers to file a claim with their issuer to receive replacement, repair or reimbursement for any Lexington Law Review (2023): Legit Credit Repair Firm or Not? On the other hand, Lexington Law is quite vague about the speed of their service. The goal of the founders was to revolutionize the repair industry. They claim that this helps them fastrack the preparation of the initial first round of disputes. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. You can choose from three plans. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. The team members are mainly based in New Jersey and the New York Metro Area. Using the incorrect name, address, or Social Security number. The plan only allows customers to challenge up to 5 negative entries for each billing cycle. Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. One of the key benefits of bad credit loans is their flexibility. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. Lexington Law also offers its own smartphone app, which is available for both Apple and Android devices. Each plan varies in offerings and is priced differently. Lexington Law may be better prepared to assist customers through negative life events. These things suggest the companys customer service pleases its customers. Again, these are things you need to consider. 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. Here are the details: The cheapest plan starts as low as $79.99. Credit Saint is a credit repair company that helps consumers repair their credit. Credit Saints cost is justified by its amazing features, including the reliable money-back guarantee. These include: Credit Saint works by preparing custom arguments for each item and can help increase your credit score to help you get more loans at an affordable rate and enjoy a better financial life. Pena vs. Lexington Law Firm was . 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 Though we'd like to see some data that reflects Credit Saint's successes in improving people's credit reports, we still trust that this provider gets the job done. For instance, while Credit Saint offers a 90-day money-back guarantee, its still subject to many conditions. The company appears to be doing well in this department. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). Credit Saint offers the following three different credit repair plans to meet the needs of various clients. They also have mobile apps for easier progress tracking. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. Free consultation and 90-day money-back guarantee. 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. He has helped people repair their credit by giving them easy to follow steps, advice and tips on how to improve their financial situation. Its currently under the helm of the original founder, Ross LaPietra. Late payments, applying for multiple credit cards in a short period of time, or even problems with mistaken identity can all lead to a less-than-excellent credit profile. They only facilitate the process but they dont control what gets removed. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. It's no secret that businesses want to know what consumers think. When comparing Credit Saint and Lexington Law, consumers should take note of what educational resources both credit repair companies provide their customers. 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. Monthly pricing is more expensive than Credit Saint. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. 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. They will go over specific details of your credit history and offer additional techniques for improving your scores. Both services also go out of their way to help customers recover from bad credit by offering additional advice. If you are looking for a good option for a guarantee, Credit Saint offers a 90-day money-back guarantee if it can't remove any items from your credit report within the first 90 days. Credit bureaus have innovated online disputes. Better Business Bureau accredited businesses, like Credit Saint, must adhere to high standards for ethical business practices. When you sign up for aCredit Saintaccount, you also get access to a customer dashboard. It includes all of the services of the other plans but also adds the value of unlimited challenges to the three credit bureaus. Lexington Law vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. 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 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. On their website, they claim most customers stay with them for 6 months. How to Dispute Medical Bills on Your Credit Report? It has a company mobile app (Apple and Android) where you can monitor account progress from the convenience of your phone. Andrew is a credit expert with over 20 years of experience in the industry. Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. Well find out in this Credit Saint review and answer all questions you may have about the company. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. Keep in mind that laws prevent any company that repairs credit from guaranteeing customers that they will see specific results as every credit repair situation is different, and various factors determine results. It was the same year that John C. Heath became the directing attorney. Creditrepair.com maintains an advantage when it comes to tools and technology. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. Gerald is the founder and editor-in-chief of CreditFixed.com. Credit Saint BBB rating shows that the company is reliable and loved by people. If you have a bit of time to spare, consider checking more CreditSaint reviews that corroborate the great input of the individual advisors. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. 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. Some customers might like the benefit of having these types of legal experts on their side. This can offer a great deal of peace of mind when youre worried about getting yourcredit score back on track. With the facts presented before you, we hope our research provides clarity to your situation. This engagement demonstrates that they do care about addressing concerns and remedying issues. In a crowded market, it is hard for consumers to choose a credit repair company. This plan costs customers $139.95/month. Furthermore, repairing your credit is not an overnight fix. Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. But are its programs worth a try? These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. It can remove judgments and help improve your credit score. Top Consumer Reviews may earn money when you click on a link. In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. Both Credit Saint and Lexington Law will require your full commitment. Additionally, Concord Premier will not help you with identity theft. 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. It has one of the best guarantees in the industry, which can be a great reason to give it a try. Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. 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. This means there are more than 40 million reports to take care of. The company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. Where can you find the best online couples therapy? Hiring a credit repair provider can save you a significant amount of time and hassle. They further stated that their 90-day refund policy applies to customers who have not seen any removals. Credit Saint vs. Lexington Law. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. Credit Saint - The Winner When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. Having said this, Lexington Law still takes time to respond to complaints. Which paid survey companies are the best? Credit Saint vs. Lexington Law: 2022 side-by-side comparison. 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. People lost more than $16 billion due to these cases and the problem is only increasing. Credit Saint is a solid choice for credit repair. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. For instance, you can download a 609 letter and pay-for-delete letter template. On the other hand, there are companies that don't deliver what they promise. Lexington Law has a YouTube page where they regularly publish client testimonials and short videos on various credit repair topics. in-depth review of Lexington Law, click here. Over 850,000 clients in the last 10 years. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. Lexington Law is one of Credit Saints major competitors. Go to the official site, sign up for an account, pay the fee, and the company will get to work right away. 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. In a past comment, they mention that they go after half of the available items to dispute. Its the time taken by credit bureaus to carry out reinvestigations. The website is not very transparent about the number of challenges included in each plan, and customers need to dig or consult to receive that information. The platform lags behind in terms of tech and tools. Here is what is included: This package does not include tailored cease and desist letters, personal finance tools, or the helpful FICO Score Tracker. 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. Their cornerstones include determination, revolutionary, integrity, vision, and excellence. Call us today to take advantage of our no-obligation offer. Both Credit Saint and Lexington Law are two of the best credit repair companies in the United States. If youre undecided about credit repair,Credit Saintoffers a complimentary consultation, so you can ask questions and get more information about their services. Credit Saint comes with both pros and cons. Credit Saint bills this package as the most aggressive. Lexington Law currently has a pending federal lawsuit that alleges deceptive and unlawful marketing and billing practices (the company is currently disputing the suit and has filed a motion to dismiss it). The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. 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. 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. They have a polished team of professionals that understands the business well. Based on our analysis of both companies customer ratings, pricing, educational resources, and speed of service, we thinkCredit Saintcomes out on top. The erasing of outdated inquiries from your credit report. The company is unique because it compromises solicitors with experience in the niche. Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. Other providers actually specify a minimum credit score improvement. Overall, Credit Saint is the cheaper option. Credit Saint works in 45-day cycles. Top Products. Customers must receive a free credit consultation with Lexington Law to receive complete pricing. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. IHG Rewards Club Premier Credit Card Review. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. 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! 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. The company has maintained an A+ rating for 13 years making it one of the most reliable credit repair firms. They have two affordable packages, going for $79 and $109 per month. 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. It takes time to file disputes with all three credit bureaus, review your credit report, and identify what items can be removed. In contrast, Lexington Law's BBB rating is only a C. Review winner: Credit Saint Credit Repair Results of LExington Law Vs. Credit Saint Lexington Law offers more value by including cease-and-desist letters and identity protection in their advanced package. Founder of Credit Repair Partner. With that said, Lexington Law is still a noteworthy credit repair firm, but it is best to shop around and see what other options are available. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. Are you looking to move somewhere new? Thats because you will need to work with someone to identify potential dispute candidates. 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. 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. All three credit repair packages come with a 90-day money-back guarantee, and you can cancel any time without penalty. Whos faster Lexington Law or Credit Saint? However, note that it comes with certain conditions. Because its a real law firm, Lexington Law is different than most other credit repair companies. **The trust value is based on our independent research. Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. Yes, Credit Saint is a legal company offering services in most parts of the country. The monthly cost for this plan is $119.99 per month. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. The mid-level plan starts as low as $99.99. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. Let's [] In 2004, the law firm began focusing on offering credit repair services. Credit Saint can improve it by removing items that appear incorrect due to issues such as administrative errors, calculation errors, etc. The PremierPlus package is Lexington Laws most advanced credit repair plan. Both companies are established and highly visible players in the business. Like we said earlier, repairing your credit is a long process. Credit Saint is a repair company that was established in 2004 with the sole purpose of helping Americans fix their shaky credit histories.. Not only is Credit Saint a BBB accredited business, but all programs come with Credit Saint's 90-day Money Back Guarantee. The Clean Slate package is Credit Saints most aggressive credit repair plan. Customers also lose access to Experian monitoring features. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. Credit saint vs. Lexington law Which one is the best? What Happens if You Miss a Credit Card Payment? As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. Lexington Law, on the other hand, charges $129.95 with a work fee of $129. 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. They bring years of experience to the table and a team of credit repair analysts who are industry veterans. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. Lexington Law begins the process as soon as 48 hours. The company utilizes automated systems to boost its workflow efficiency and strives to offer the best value. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. The two businesses provide similar services. If there have been deletions within 90 days, Credit Saint may not issue the refund. Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. On their BBB.org page, the company responds to complaints within five business days at most. Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. Is Credit Saint or Lexington Law Cheaper? The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. 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). Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. 89% of Lexington Law customers that have experienced improvement with the service have increased their credit score by at least 40 points. provides you will all of the features included in the standard plan and the addition of Credit Report Watch Alerts. SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. Your representative will discuss your credit history in detail, help you identify actionable items, and give you a recommendation for which services are best suited to your needs. In our recommendation, Credit Saint outperforms Lexington Law overall. 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. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. And this gives you a chance to ask questions and explore your options. On the other hand, the company appears to address each negative review, which is a positive sign. During the session with a rep, ask all pressing questions about repairing bad credit and errors. You can choose from a variety of repair plans according to your requirements and budget. Credit Saint vs. Lexington Law: Whos Better? Not all Credit Saint reviews are positive. So, compared to Credit Saint, its a cheaper option. Learn more about how we make money. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. Credit Saint operates on a 45-day dispute cycle. Lexington Laws basic service package provides access to bureau challenges and creditor interventions. But large or small any company or person that charges anone upfront is breaking the law. Which one is the best for you? Choose which one will help you the most. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Lets review the details of each package. 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. But for now, Lexington Law offers more educational resources. The company charges a high initial work fee up to 195 cases based on the plan you have selected. 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. Lexington Law is the biggest advertiser thus they have the biggest problem now. These two questions will help you uncover the truth. Customers receive regular updates on progress to ensure theyre fully aware of whats happening. There is something scary about looking at your credit report and finding items that you do not find justified or valid. 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. (Ad) If youre thinking about signing up with Lexington Law to help repair your credit, youve come to the right place. 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. We may receive compensation (at no cost to you) when you click on links to those products. 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. 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. 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 offers consumers three straightforward packages that are each designed to meet a different need. But, how much time do you have? The company is an excellent option if youre serious about fixing your credit. Credit Saint has a $99 setup fee for their lower packages and a $195 setup fee for their Clean Slate package, but their monthly costs are less than Lexington Laws.
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