Based out of New Jersey, Credit Saint has been in business for over 15 years and has a BBB rating of A. This strong rating means they are a reliable and trustworthy company. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. I love, helping people become smarter about their credit and finances. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. Yes, Credit Saint is a legal company offering services in most parts of the country. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. In that time, you will have roughly paid the same fees if you selected either service. Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. They will help you dispute errors on your credit report,remove late payments, and more. Thats because you will need to work with someone to identify potential dispute candidates. Unlimited custom disputes are available on each plan. A foreclosure is a process that starts when a borrower fails to pay their mortgage. Here is a few list of features included in this plan: As you can see, this package is loaded with helpful features. Read our Disclaimer Policy for more information. This engagement demonstrates that they do care about addressing concerns and remedying issues. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. Where can you find the best Moving Company? If you only need one or two negative items from your credit report, then this plan is a great place to start. Both Credit Saint and Lexington Law will require your full commitment. Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. Credit Saint offers consumers three straightforward packages that are each designed to meet a different need. A few credit repair services guarantee that you'll see those deletions within the first three months, and you'll get a refund of any fees paid if that doesn't happen. Customers must receive a free credit consultation with Lexington Law to receive complete pricing. Many common customer complaints include failing to get results, overpromising results, and overcharging for services. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. Both services also go out of their way to help customers recover from bad credit by offering additional advice. Sky Blue is one of the oldest repair companies. You can also cancel the service at any time without incurring any penalties or fees. If you do choose to use a credit repair company, Lexington Law and Credit Saint will be among your top options. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. One of the best ways to compare Lexington Law and Sky Blue is to look at their pricing and packages. Credit Saint and Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. A careful review of hundreds of past user reviews reveals the dedication and selfless services offered by Credit Saints representatives. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer. It has one of the best guarantees in the industry, which can be a great reason to give it a try. Free online consultation. Sometimes. There are several credit repair companies on the internet and while they all claim to be the best, theyre not made equal. You will find many Credit Saint reviews on the Internet. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. Sky blue charges up front. 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. Credit Takeoff strives to keep our information accurate and up to date. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. It all comes down to reputation. Here are some of the main advantages of choosing this repair firm: With some pros come some cons; here they are: Lets start with positive Credit Saint reviews, and theyre literally everywhere you look. Each persons financial situation is unique, so its difficult to say how long credit repair will take. Most services state that you'll see negative items removed from your credit history within the first 90 days. In addition to legal representation, they also offer a credit monitoring and repair service that comes in three different tiers. However, with so many companies on the market, it can be hard to decide which direction to take. The first step with any credit repair service will likely involve a thorough review of your credit report. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. Credit Saintis more transparent about its enrollment fees, whereas Lexington Law makes it difficult to know exactly how much youll pay for a first work fee when you sign up for services. They are trailblazers, innovators, and above all, credit experts. Your credit score even directly impacts the cost of your New Jersey auto insurance. How Long Does the Process Take? It is a well-known credit repair company in the industry that offers some great features. Lexington Law vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. Both Credit Saint and Lexington Law charge customers a fee each month for their services. Read more. 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). Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. And a credit repair company may come to the rescue. Choose which one will help you the most. You will pay about $109.85 per month. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. These things suggest the companys customer service pleases its customers. You will need to pay an initial setup fee of $99. Lexington Lawscredit helpsection of its website offers a robust number of educational resources to help you understand how credit scores work and what steps you can take to improve and maintain your score. You will need to talk to the agents if you wish to cancel your plan or ask for a refund. Lets compare Credit Saint and some of its competitors to see which ones better. Not many people are fully aware of what credit repair firms do or why they need to hire one. According to a Javelin report, about 17 million Americans faced identity theft in 2017 alone and the number hasnt decreased in the last fast years. Lexington Law, on the other hand, charges $129.95 with a work fee of $129. 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. This plan costs customers $139.95/month. Credit Saint customers know that they can get their money back if there have been no removals in 90 days. For example, if your report shows your credit utilization to be too high, they might suggest you diversify or go for a new line of credit. Credit Saint edges Lexington Law when it comes to offering downright friendly services. Lexington Law vs. Credit Saint: Which One is Faster? They serve the same function as Credit Saint, which is challenging and disputing items that reflect negatively on your credit report. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. For instance, while Credit Saint offers a 90-day money-back guarantee, its still subject to many conditions. You can follow them on their social media pages for updates when they publish new guides. Overall, the process takes as long as needed to remove as many negative items from your report as possible. As mentioned earlier, there are many companies offering similar services. Lexington Law firm is another large and well-known credit repair agency that offers similar services to Credit Saint. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. Anything over 700 is considered to be "good" and can be the key to opening doors financially - everything from renting an apartment to securing an auto loan or mortgage may rest on your credit report. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. They also have mobile apps for easier progress tracking. With the facts presented before you, we hope our research provides clarity to your situation. The mid-level plan starts as low as $99.99. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. You can choose from three plans. If youre shopping around for credit repair services, its something to consider as you compare companies. We may receive compensation (at no cost to you) when you click on links to those products. Because its a real law firm, Lexington Law is different than most other credit repair companies. This process takes time, and you certainly do not want to take a shortcut. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. The majority of customers are happy with the service. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. On average, customers subscribe for six months of service. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. Which blood pressure supplement is the best? Both brands have built up a loyal following and have good reviews on TrustPilot. When going over Credit Saints services, one thing that stands out is that they dont make such promises. Who provides the best debt relief? As with any credit repair service, the length of time required to see movement in your score depends on your unique situation. Rather than jumping to conclusions, we will first present facts about the two credit repair services. But for now, Lexington Law offers more educational resources. An achievement that should not go unnoticed. Since that time, they've opened offices in 17 states and become licensed in most of the rest. Also, note that no company can remove legitimate items from a credit report. Depending on which company you choose, the service might also include cease and desist letters, goodwill letters to help you qualify for credit in the future, credit monitoring to keep you on track, and one-on-one coaching. Credit Saint has a 45-day repair cycle. Credit Saintreceives high praise on average from its former and current customers. The setup fee is only $129.95, meaning that you may spend $66 less during your first month with Lexington Law. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. Lexington Law may be better prepared to assist customers through negative life events. Follow us! Then you'll be billed $80 per month (or more), with la carte pressing options available for extra features or services. Actually, their cheapest and most expensive plans differ by about $10. You can choose from a variety of repair plans according to your requirements and budget. 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. This shouldnt be considered a drawback since no company in this niche can make such promises. A 550 credit score is, Building or improving credit can be overwhelming. 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. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. It can remove judgments and help improve your credit score. One of the key benefits of bad credit loans is their flexibility. Each plan varies in offerings and is priced differently. However, we must mention that it does not make any promises to boost your score or help you reach a certain number. Regular membership goes for $119.99. 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. Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce. Customers can expect a robust experience when working with Lexington Law. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. Top Consumer Reviews may earn money when you click on a link. The client liked that Jordan recommended a plan that was suitable for his needs. On the other hand, Lexington Law is quite vague regars to the speed of their service. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. Its currently under the helm of the original founder, Ross LaPietra. 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 Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee is the very high aggressive plan offered by Credit Saint. On the positive side, the company provides full support to clients and offers tips on how they can improve their credit rating. The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. For instance, Lexington charges a basic set up fee of $100. Now, lets compare some key features of the best credit repair services: From this overview, you may have gathered that both services offer similar pricing plans. Lexington Law begins the process as soon as 48 hours. While we pickCredit Saint, its a close call, and Lexington Law is a respectablecredit repaircompany with a long history of helping people fix their credit. I worked in the credit repair industry for about 10 years. All Rights Reserved. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. 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. For this reason, many people enlist the help of a credit repair company to assist with the task. Again, these are things you need to consider. This means they will send out a new round of credit report disputes every 45-days. But make sure that you are reviewing companies that provide an equivalent level of service. Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. Disclaimer: We offer completely free content to our users. How Long Does It Take to Repair Your Credit? Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. This is one of the biggest misconceptions with the credit repair industry. Lexington Law is not accredited by the Better Business Bureau. During the session with a rep, ask all pressing questions about repairing bad credit and errors. So far, over 1,000 people have left comments and they maintain a 4.4/5 rating. So, compared to Credit Saint, its a cheaper option. Lexington Law also offers its own smartphone app, which is available for both Apple and Android devices. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. Both services are trusted leaders in the credit repair industry and are known for delivering reliable services. Clean Slate In a crowded market, it is hard for consumers to choose a credit repair company. For instance, TransUnion says that they conclude most disputes within two weeks. 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. 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. The company offers excellent customer support and the agents are very friendly. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. With this package, they will dispute up to 5 inaccurately reported items on your credit report. Additionally, Credit Saint has not been involved in any lawsuits brought about by disgruntled customers or the Consumer Financial Protection Bureau (CFPB). Where can you find the best online couples therapy? Top Consumer Reviews. Lexington Law. Like we said earlier, repairing your credit is a long process. How Long Does It Take to Repair Your Credit? One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. Customers expect to see immediate results. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. 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). They will go over specific details of your credit history and offer additional techniques for improving your scores. 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. These two companies have many similarities but also some differences that may be important when deciding between the two services. Lexington Law offers three different levels of credit repair services ranging from $89.95 per month to $129.95 per month. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. (2023), Lexington Law vs. Credit Saint: Credit Repair Packages and Price, Credit Saint vs. Lexington Law: Educational Resources. Mike is a recognized credit expert and founder of Credit Takeoff. You know your credit situation better than anyone else, so take this decision seriously. While it doesnt always work, there is still a chance of success. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. The biggest determinant of how fast items will be removed from your credit report is not the company you select. By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. These errors can impact your score and lead to issues in the future. The wrong loan and credit card balances listed. People lost more than $16 billion due to these cases and the problem is only increasing. On the other hand, Lexington Law is quite vague about the speed of their service. Citi is an advertising partner. 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. The company is an excellent option if youre serious about fixing your credit. Now that said, Credit Saint is accredited and has an A- rating. If you are working to repair your credit, youve likely spent extensive time trying to. 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. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. SimpleMoneyLyfe Credit Saint vs. Lexington Law: Who is Better? Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. 8.2 million removals and 26+ million challenges and disputes since 2012. Now, this does not mean that they will allow you to challenge all negative entries at once. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. Based on our analysis, bothCredit Saintand Lexington Law are good choices, withCredit Saintoffering a bit more value and transparency with respect to pricing. This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. And if you need to upgrade to another package, you can. IHG Rewards Club Premier Credit Card Review. Are you looking to move somewhere new? 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