As previously stated, they are known to help consumers with severe credit problems. I worked in the credit repair industry for about 10 years. All plans are flexible with the option to cancel anytime. 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! So which one offers the best credit repair services? However, with so many companies on the market, it can be hard to decide which direction to take. 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. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. It is a well-known credit repair company in the industry that offers some great features. Our reviewers evaluate products and services based on unbiased research. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. While it doesnt always work, there is still a chance of success. (Ad) If youre thinking about signing up with Lexington Law to help repair your credit, youve come to the right place. How did we arrive at this conclusion? We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. They are trailblazers, innovators, and above all, credit experts. Unfortunately, not everyone understands what goes into a positive credit history. Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. A foreclosure is a process that starts when a borrower fails to pay their mortgage. In a past comment, they mention that they go after half of the available items to dispute. Lexington Law leverages this process to fix their clients' credit. These options range from basic to aggressive credit repair services. For instance, the company lacks a service guarantee. However, those who are willing to wait are usually the ones who see remarkable results. Customers expect to see immediate results. Credit Saintand Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. Unlike Credit Saint, where most clients accept the response given by the firm, there are several instances where customers have rejected Lexingtons Laws responses. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. In contrast, Lexington Law's BBB rating is only a C. Review winner: Credit Saint Credit Repair Results of LExington Law Vs. Credit Saint 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. In the Google Play store alone, Lexington Law has an average 4.5-star rating out of more than 18,000 reviews. The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. Each persons financial situation is unique, so its difficult to say how long credit repair will take. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). In 2004, the law firm began focusing on offering credit repair services. It was the same year that John C. Heath became the directing attorney. Top Consumer Reviews. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. Read more. 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. **The trust value is based on our independent research. 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. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. An achievement that should not go unnoticed. Who wins the Credit saint vs. Lexington law pricing war? Most clients see a 40-point increase in their credit score in six months. Most credit repair services offer a free consultation, to determine if you're eligible for their help and which approach to take in your specific case. However, it doesnt come with a guarantee. Both plans provide score analysis, credit report updates, and inquiry targeting. Gerald is the founder and editor-in-chief of CreditFixed.com. 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. Are you typically available to make calls during business hours? You also get disputes for bankruptcies and repossessions. Elsewhere, both companies get generally favorable reviews from former and current clients. 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. Credit Saint prices are a little on the higher side especially in comparison to alternatives. Credit Saint does not have transparent statistics published to demonstrate how many customers they have helped over the years and the number of disputes and challenges they have resolved. 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. 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. Overall, the process takes as long as needed to remove as many negative items from your report as possible. Overall, Credit Saint is the cheaper option. In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. While Credit Saint's most basic package option starts at $79.99 per month, Lexington Law's lowest service level starts at $89.85 per month. 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. Credit Saint operates on a 45-day dispute cycle. On the other hand, the company appears to address each negative review, which is a positive sign. These things suggest the companys customer service pleases its customers. 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. Furthermore, repairing your credit is not an overnight fix. Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. Credit Saint vs. Lexington Law: Whos Better? Customers must receive a free credit consultation with Lexington Law to receive complete pricing. Credit Saint operates on a 45-day dispute cycle. It was the same year that John C. Heath became the directing attorney. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. On their website, they claim most customers stay with them for 6 months. At this level,Credit Saintoffers unlimited disputes each dispute cycle, plus all the features included in the Credit Polish and Credit Remodel packages. Their website contains more information, and you dont have to guess about what services they provide. Plus, it is BBB accredited with very few complaints under the belt. Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. This is one of the biggest misconceptions with the credit repair industry. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. Where can you find the best Moving Company? Now, this does not mean that they will allow you to challenge all negative entries at once. 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. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. Having said this, Lexington Law still takes time to respond to complaints. In business since 2004,Credit Sainthas been helping people repair their credit for nearly two decades, making it one of the oldest credit repair companies in the industry. You can also compare Credit Saint vs Lexington Law by exploring all of the top credit repair services. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. Regardless if a company is compensating us or not, we only accept these opportunities when the post, will be helpful or valuable to our readers and is something that fits within the context of this blog. That's where credit repair services enter the picture. If you search the web for tips on how to repair your credit, you will come across Creditrepair.com reviews. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. Credit repair services typically charge a one-time setup fee and monthly service fees. These two companies have many similarities but also some differences that may be important when deciding between the two services. Hiring a credit repair provider can save you a significant amount of time and hassle. 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. This engagement demonstrates that they do care about addressing concerns and remedying issues. Credit saint vs. Lexington law Which one is the best? Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. Credit bureaus have innovated online disputes. The majority of customers are happy with the service. Both Lexington Law and Credit Saint offer robust credit repair packages. They are not accredited and have a C rating. Citi is an advertising partner. For instance, while Credit Saint offers a 90-day money-back guarantee, its still subject to many conditions. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Now that said, Credit Saint is accredited and has an A- rating. However, there are a few things consumers should know. These are things to consider as you begin to repair your credit. Clean Slate Lexington Law begins the process as soon as 48 hours. Sometimes. Thats because you will need to work with someone to identify potential dispute candidates. While both credit repair companies have good reputations and similar pricing,Credit Saintedges out Lexington Law in our review. Who can you trust when looking for the best payday loans? And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. On their BBB.org page, the company responds to complaints within five business days at most. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. 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. The last thing you want to do is incur more debt. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. Customers receive regular updates on progress to ensure theyre fully aware of whats happening. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law. On the downside, it is not a 100% guarantee. Making it possible to keep tabs on your FICO rating as well as your scores from other reporting bureaus using credit monitoring services. The goal of the founders was to revolutionize the repair industry. Couples discounts & regular work-free promotions. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. Credit Polish is Credit Saints most basic credit repair package. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. Overall, online reviewers have positive things to say aboutCredit Saint. Private Dashboard Talk to us as much or as little as you like. All financial products, shopping products and services are presented without warranty. 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. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. Note that bbb.org is not the primary channel for raising or addressing complaints. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. With this package, they will dispute up to 5 inaccurately reported items on your credit report. 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. Thats when the paralegal will reach out after you purchase a package. Credit Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. Rosales vs. Lexington Law Firm was filed in Nebraska in 2017 and claimed violations of the Telephone Consumer Protection Act (TCPA) and Fair Credit Reporting Act. Based on our analysis of both companies customer ratings, pricing, educational resources, and speed of service, we thinkCredit Saintcomes out on top. Credit Takeoff strives to keep our information accurate and up to date. But if you have a lot more to spend, you may get more value by choosing Lexington Laws Advanced package. Heres a comparison chart to help you understand all the differences between the two companies: Launched a few years after Credit Saint, The Credit Pros has featured on the list of the 5,000 fastest-growing companies in the U.S. for five years in a row. If you are working to repair your credit, youve likely spent extensive time trying to. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. You will need to talk to the agents if you wish to cancel your plan or ask for a refund. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. This process takes time, and you certainly do not want to take a shortcut. Monthly fees from $69.95 to $119.95, plus first-work fee equal to one month's payment. Credit Saint has a better basic package as it includes the score tracker and score analysis. Top Rated Services. Stay up to date with the latest reviews. Using the incorrect name, address, or Social Security number. Credit Saint - The Winner Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. It also enjoys anA ratingfrom the Better Business Bureau (BBB) and its one of a handful of credit repair companies accredited by the BBB. They then create customized challenge letters for these items and send them to the credit bureaus for a response. 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. 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. The two businesses provide similar services. We only recommend products or services that we would use ourselves and have gone through a significant amount of research before posting. Both services also go out of their way to help customers recover from bad credit by offering additional advice. You know your budget. I love, helping people become smarter about their credit and finances. If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. Both Credit Saint and Lexington Law charge customers a fee each month for their services. Pena vs. Lexington Law Firm was . Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. These two questions will help you uncover the truth. Top Reviews. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. #1 CreditRepair.com. With the Credit Remodel package, Credit Saint will dispute up to 10 inaccurately reported items on your credit report. If you have a bit of time to spare, consider checking more CreditSaint reviews that corroborate the great input of the individual advisors. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. Credit Saint does a simple job it reviews your credit report and addresses factors that can impact it. As mentioned earlier, there are many companies offering similar services. 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. Way to help repair your credit, youve likely spent extensive time trying.... The two services of time and hassle be hard to decide which direction take. To Talk to the credit repair provider can save you a significant amount research... 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