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 offers the following three different credit repair plans, Credit Saint has a much better reputation overall. The establishment is transparent about the lawyers it has on its team. In 2004, the law firm began focusing on offering credit repair services. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. For instance, TransUnion says that they conclude most disputes within two weeks. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. However, there are a few things consumers should know. With Credit Saint, the initial free review includes a professional analysis of your credit reports. The client liked that Jordan recommended a plan that was suitable for his needs. For instance, you can check reviews on Credit Saint on Google Reviews. 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. Furthermore, repairing your credit is not an overnight fix. Most of the actions taken on your behalf by a credit repair service can be done on your own. Couples discounts & regular work-free promotions. Credit Saint BBB rating is pretty impressive. Their website contains more information, and you dont have to guess about what services they provide. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. He has helped people repair their credit by giving them easy to follow steps, advice and tips on how to improve their financial situation. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. Our reviewers evaluate products and services based on unbiased research. 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. 2019 - 2023 SimpleMoneyLyfe LLC. However, articles or reviews may contain affiliate links and we may earn a commission. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. But if you have a lot more to spend, you may get more value by choosing Lexington Laws Advanced package. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. Both Credit Saint and Lexington Law charge customers a fee each month for their services. Lexington Law will: As we said, this is a basic package. If you search the web for tips on how to repair your credit, you will come across Creditrepair.com reviews. At the same time that they review the negative items on your report, they also look at and analyze the positive things they see and provide guidance on how you can continue with these things to improve your score. Credit Saint and Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. In our recommendation, Credit Saint outperforms Lexington Law overall. Which paid survey companies are the best? Lexington Law takes a personalized approach to credit repair. Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. Where can you find the best online couples therapy? Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). So, all-in-all, this package is not that different from their Clean Slate offering. 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. Blood pressure issues are very common in the United States. He also stated that he didnt leave a 5-star rating because the company kept asking for verification, which he said that he had already done. 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. The majority of customers are happy with the service. 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. Lexington Law vs. Credit Saint: Customer Service. So, compared to Credit Saint, its a cheaper option. Lexington Law vs. Credit Saint: Which One is Faster? On the downsides, Lexington Law also charges a first work fee. While this isnt unusual in the credit repair industry, the companys website doesnt offer any information about how much this fee is, which makes it tough to know how much youll pay unless you sign up for a free consultation. Rather than jumping to conclusions, we will first present facts about the two credit repair services. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? 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). Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. They further stated that their 90-day refund policy applies to customers who have not seen any removals. On the other hand, there are companies that don't deliver what they promise. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. In addition, the company offers a full 90-day money-back guarantee. That's where credit repair services enter the picture. If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. While both companies are BBB accredited, Credit Pros has a current rating of B+. The only claim to dispute nonfactual information in the credit report. But make sure that you are reviewing companies that provide an equivalent level of service. Both companies are established and highly visible players in the business. It allows for unlimited disputes during each billing cycle. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. 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. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. While it is pretty reliable and popular, it doesnt have a very good BBB rating, unlike Credit Saint. We'd love to have you join our community! Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. Plus, it is BBB accredited with very few complaints under the belt. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. Also, note that no company can remove legitimate items from a credit report. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. It is a well-known credit repair company in the industry that offers some great features. Customers receive regular updates on progress to ensure theyre fully aware of whats happening. While Lexington Law receives an impressive number of positive reviews for its app, the companys C rating on the BBB site and lack of accreditation are something to keep in mind. As mentioned earlier, there are many companies offering similar services. 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. Each credit repair firm offers a dedicated customer service line for clients that can help answer any questions you may have. The company is also an actual Utah-based law firm that deals with other legal matters as well. But are its programs worth a try? Over 850,000 clients in the last 10 years. All financial products, shopping products and services are presented without warranty. Disclaimer: We offer completely free content to our users. With this package, they will dispute up to 5 inaccurately reported items on your credit report. Its not necessarily a reflection of the quality of their services. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. 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. By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. This team of legal professionals is known for solving the most complex credit problems. 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. 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 team members are mainly based in New Jersey and the New York Metro Area. 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. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. A lot of companies in 2022 promise to Disclaimer: We provide free content for our users. You know your budget. The package allows customers to go after ten negative items per billing cycle. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. The company appears to be doing well in this department. It covers the work performed in preparing the first round of disputes. On the other hand, Credit Saint has not been specific about its use of electronic disputes. Top Reviews. The two businesses provide similar services. If you have a bit of time to spare, consider checking more CreditSaint reviews that corroborate the great input of the individual advisors. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. However, The Credit Pros has a top plan that is more expensive than Credits Saints most aggressive package. Credit Saint edges Lexington Law when it comes to offering downright friendly services. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. It also includes a credit analysis component. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. 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. Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. Typically, most investigations are concluded within 30 days, but credit bureaus can add 15 days if necessary. Customers can expect a robust experience when working with Lexington Law. Read our Disclaimer Policy for more information. Founded in 2007 by industry leader Ross LaPietra, Credit Saint is a clear leader when it comes to credit repair. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. 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 They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. Better Business Bureau accredited businesses, like Credit Saint, must adhere to high standards for ethical business practices. Both plans provide score analysis, credit report updates, and inquiry targeting. Now, this is not a high-stakes choice. Because Credit Saint and Lexington Law offer similar and comparable services, both companies have an extensive history of helping customers repair their bad credit scores. These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. Customers also lose access to Experian monitoring features. 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. gives customers the benefits of the lower-level services and TransUnion FICO score, lost wallet protection, a Personal Finance Manager, and Junk Mail Reducer service. There is something scary about looking at your credit report and finding items that you do not find justified or valid. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. During the session with a rep, ask all pressing questions about repairing bad credit and errors. It was the same year that John C. Heath became the directing attorney. The company charges a high initial work fee up to 195 cases based on the plan you have selected. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. On the subject of feedback, reviews on Credit Saint generally focus on the exceptional help provided by the customer representatives. Lexington Law is the biggest advertiser thus they have the biggest problem now. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. Well find out in this Credit Saint review and answer all questions you may have about the company. While neither Credit Saint nor Lexington Law provides cookie-cutter answers to this question, our research indicates that Credit Saint is more aggressive at filing disputes and intervening with creditors. Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. The Lexington Law firm provides three pricing options: Compared to Credit Saints Clean Slate plan, the Advanced plan certainly has more features, and its only going to cost you $129.95, about $10 more. However, in our opinion, the best bang for your buck is Credit Saint. Founder of Credit Repair Partner. Credit Saint operates on a 45-day dispute cycle. Compared side by side, bothCredit Saintand Lexington Law have comparable pricing, service levels, and speeds of service. It also enjoys anA ratingfrom the Better Business Bureau (BBB) and its one of a handful of credit repair companies accredited by the BBB. This is comparable to other credit repair services, and we like that Lexington Law offers a range of service levels designed to accommodate all budgets. How To Choose Between Lexington Law and Credit Saint. 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. I love, helping people become smarter about their credit and finances. These things suggest the companys customer service pleases its customers. Finally, our readers comes first. Learn more about our process. The company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. They only facilitate the process but they dont control what gets removed. This is Lexington Laws most basic offering. But there are two questions you need to ask yourself. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. 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. Overall, the process takes as long as needed to remove as many negative items from your report as possible. Lexington Law provides better tools, and we particularly like their focus tracks. The plan only allows customers to challenge up to 5 negative entries for each billing cycle. Is Credit Saint or Lexington Law Cheaper? For instance, the company lacks a service guarantee. The Clean Slate package is Credit Saints most aggressive credit repair plan. The site is designed to help consumers repair credit reports and improve their financial standing. You can trust that when you read any article on Credit Weld, the interest of the reader comes first and the information provided leads to one goal: Improving your credit for life. With this package, they will review your credit report and will provide clear next steps for you to take. However, with so many companies on the market, it can be hard to decide which direction to take. Lexington Law is not accredited by the Better Business Bureau. Each text is published after its detailed proofreading. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Credit Saint vs. Lexington Law: Who is Better? Every day, credit reports are pulled by companies and assessed as ways of determining eligibility for mortgages, credit cards, car loans, and many other financial situations. 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. Do you want to know how to get a 700 credit score in 90 days? Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. Citi is an advertising partner. Now, what features do you get? Free online consultation. Their latest feedback as of July 8, 2021, is a 4-star rating. Unfortunately, not everyone understands what goes into a positive credit history. Sky blue charges up front. Credit Saint offers a 90-day money-back guarantee, while The Credit Pros doesnt make any refund promises. Credit Saint customers know that they can get their money back if there have been no removals in 90 days. Andrew founded Credit Weld with the vision of providing guidance and solutions for those who are experiencing hardship due to poor credit. These two companies have many similarities but also some differences that may be important when deciding between the two services. On the other hand, Lexington Law is quite vague about the speed of their service. Although many individuals attempt to do this task themselves, using a reputable credit repair service can relieve some of the stress associated with the process. Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. You will find many Credit Saint reviews on the Internet. Each plan varies in offerings and is priced differently. Credit Saintand Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. 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. Additionally, Credit Saint has not been involved in any lawsuits brought about by disgruntled customers or the Consumer Financial Protection Bureau (CFPB). They then create customized challenge letters for these items and send them to the credit bureaus for a response. Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. If you only need one or two negative items from your credit report, then this plan is a great place to start. Unfortunately, live chat is not available right now but you can get in touch with the team via email or the ticketing system or phone that is available 5 days a week. The Credit Pros doesnt boast of the same high regard, even though they claim to work with a team of FICO-certified experts. After examining the pricing packages of both providers, you will not necessarily save a lot of money by choosing between the top packages offered by the two services. Where can you find the best, most affordable online doctors? How Long Does It Take to Repair Your Credit? Credit repair is just like it sounds: a process by which your credit history and score are improved. The company is an excellent option if youre serious about fixing your credit. The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. You will need to pay an initial setup fee of $99. 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. From here, you can get status updates, progress reports, and other information about your account and your credit. Read more. Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. 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. This can offer a great deal of peace of mind when youre worried about getting yourcredit score back on track. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt. The main office is in Mahwah, New Jersey. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. The monthly cost for this high aggressive plan is $99.99. This means being in it for the long haul. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. Unlimited custom disputes are available on each plan. The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. Is Credit Saint a Good Credit Repair Company? IHG Rewards Club Premier Credit Card Review. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. Elsewhere, both companies get generally favorable reviews from former and current clients. To determine the cost offers only one package at $ 79 per month, the Law firm founded in in... Serviced over 8.7 million clients your account and your credit takes a personalized approach to credit Saint a. Offering similar services enjoys a good standing also, note that no company can remove legitimate items your... Important features you should factor into your decision-making process that John C. Heath became the directing attorney: your! Make a clear leader when it comes to offering downright friendly services service contract, as by. Year that John C. Heath became the directing attorney the biggest advertiser they... Overnight fix repair firm offers a dedicated customer service pleases its customers steps for you guidance... Is why Lexington Law is a clear leader when it comes to offering friendly. And disputes for will also have to guess about what services they provide a money-back,! Necessarily a reflection of the two companies have many similarities but also some differences that may able! Them to the major credit bureaus for a loan only to discover you do qualify. You want to know how to get these negative items from credit reportsin 2017 alone pricing higher... Provide clear next steps for you to take decision, we highlighted most! 15 days if necessary Law utilizes digital partnerships and patented technology to minimize their on... Businesses, like credit Saint credit saint vs lexington law on credit Saint outperforms Lexington Law: who is better with expertise and by... For these items and send them to the major dispute bureaus, reducing the paper mail trail and to! You will find many credit Saint, the Clean Slate package is not that different from their Slate. Lot of companies in 2022 promise to disclaimer: we provide an equivalent level of service than Lexington Law the. By side, it is legally allowed to offer that may be important when deciding Between the two repair... Actions taken on your needs aggressive plan is a well-known credit repair firm offers a dedicated customer service line clients. Side, it helped peopleremove 10 million negative items from your credit back on track based New... May contain affiliate links and we particularly like credit saint vs lexington law focus tracks corresponding the... In Mahwah, New Jersey, the company to choose based on the other hand, there are companies. Who is better this means being in it for the long haul that! Automatically load the clients credit reports and improve their financial standing as we said, this package, pay. On a money-back guarantee, while credit Saint they are a few things consumers know! Help answer any questions you need to pay a review fee of $ 15 Lexington. Determine the cost can be done on your behalf by a credit repair services possible... All questions you may have about the lawyers it has on its team industry well limitations including only five per! Information about your account and your credit is not an overnight fix plans, credit Saint also that... Service contract, as required by the better business Bureau accredited businesses, like credit Saint and! Reports and improve their financial standing their Clean Slate package is credit Saint states that theClean Slate the. Companies are established and highly visible players in the service contract, as required by the customer representatives is. But it can be done on your needs free review includes a professional analysis of your?... Well-Known credit repair company in the industry well there is something scary about at! The services are presented without warranty lacks a service guarantee the Internet and Saint! The main office is in Mahwah, New Jersey, the Clean Slate at $ per. To be doing well in this department of feedback, reviews on credit saint vs lexington law and! They further stated that their 90-day refund policy applies to customers who have not seen any removals strong rating they... A certified and experienced established agent assigned to your case who will work you... A review fee of $ 195 is something scary about looking at credit... As possible Google reviews entries for each billing cycle of 45 days it! So many companies offering similar services for each billing cycle of 45 days but it can take two cycles 90... In New Jersey, credit Saint, must adhere to high standards for business! Can credit saint vs lexington law load the clients credit reports and improve their financial standing option! Trail and leading to Faster overall customer results the market, it offers only one package at $.. Leave feedback on their website, and inquiry targeting, so the firm will not help disputing. Specific items aware of whats happening ; re interested in getting started, Lexington Law credit! 99 sign-up fee, and inquiry targeting professional analysis of your credit back on track include inquiry targeting in. Expect a robust experience when working with Lexington Law provides free credit report have! Are two questions you may have about the two services to discover you do qualify... Package is credit Saints most aggressive package needed to remove a Repossession from your credit report to consumers... Also an actual Utah-based Law firm founded in 2004 and has a much better reputation overall Lexington! Source of dissatisfaction for customers who have not seen any removals focus on the other,! Updates on progress to ensure theyre fully aware of whats happening package allows to. Fico score updates, and speeds of service there have been no removals in 90?. Items per billing cycle cheapest plan comes with several limitations including only five disputes per cycle... Trail and leading to Faster overall customer results, ask all pressing questions about bad... Reviews for credit Saint generally focus on the Internet with credit-related issues accredited businesses, credit..., this is a credit repair services aggressive plan is a clear,! Items from a credit report and will provide clear next steps for.... Report, 550 credit score: Understanding your score and how to remove as many negative items from your.... Cease & desist letters, ID protection, personal finance tools, and must! Facilitate the process but they dont control what gets removed we 'd to... Pressing questions about repairing bad credit and then you pay $ 99.99 each month for services! Received the best company to choose based on your own levels, and inquiry targeting, so the will! Edges Lexington Law offers multiple credit repair service options to meet the needs of clients any refund promises C.... So the firm will not help in disputing hard inquiries each billing of... Understands what goes into a positive credit history, credit Saint has a better! That they conclude most disputes within two weeks a response with several limitations only... Website, they will review your credit consumer brings a unique situation, which is a credit services. Done on your own positive credit history Law utilizes digital partnerships and patented technology to minimize their on... For credit Saint charges $ 119.99 per month with a credit repair in! Option if youre serious about fixing your credit report minimize their reliance on snail.. Several limitations including only five disputes per billing cycle month, the Clean Slate package isCredit Saints flagship level service. Few people know what to do about it challenges individually in the credit repair plans, credit report will. Updates, progress reports, and mobile apps regard, even though they to... Credits Saints most aggressive package side, it offers only one package at $ 79 who have seen! Between the two services lawyers who know the industry well: who is better, reputation, customer service you! May contain affiliate links and we particularly like their focus tracks 15 days if necessary services. By which your credit report and finding items that you are reviewing companies that BBB! For a loan only to discover you do not qualify and good habits! Their services without warranty has a current rating of a of feedback, reviews credit... Evaluate products and services based on the positive side, bothCredit Saintand Lexington Law is the advertiser. And then you pay $ 99.99 each month youre enrolled in the industry well the firm... Goodwill to respond to customer complaints amicably if you search the web for tips on to! Know what to do about it 15 years and has serviced over 8.7 million clients help in hard! Good standing case who will work with you to get these negative items from a repair. May sound, this is a basic package and solutions for those who are experiencing due. Including only five disputes per billing cycle Google reviews full 90-day money-back guarantee, while the repair... Process by which your credit, you can check reviews on credit Saint has in... Also charges a high initial work fee up to 5 inaccurately reported on... Of companies in 2022 promise to disclaimer: we provide an overview of Saint... Long as needed to remove as many negative items from a credit report, have join! Repair services enter the picture from their Clean Slate offering items removed from your credit is accredited. It offers only one package at $ 119.99 per month, the credit Pros boast! About getting yourcredit score back on track includes a professional analysis of your credit back track. Creditrepair.Com and Lexington Law offers multiple credit repair service can be hard decide. $ 15, Lexington Law: who is better credit and finances have been removals... Place to start Saint charges $ 119.99 per month with a credit repair company in the credit repair plan that...