Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. 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. Not all Credit Saint reviews are positive. Is Credit Saint or Lexington Law Cheaper? Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. Both Credit Saint and Lexington Law offer unique credit repair packages. 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. Whos faster Lexington Law or Credit Saint? In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. Disclaimer: We offer completely free content to our users. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt. For most people,disputing negative itemsis the main goal of credit repair, and this is what you get with the Concord Standard level of service. Credit Polish is Credit Saints most basic credit repair package. Unfortunately, not everyone understands what goes into a positive credit history. Andrew is a credit expert with over 20 years of experience in the industry. However, it doesnt come with a guarantee. (Ad) If youre thinking about signing up with Lexington Law to help repair your credit, youve come to the right place. Credit Saint operates on a 45-day dispute cycle. Credit Saint is a solid choice for credit repair. 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. The only claim to dispute nonfactual information in the credit report. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. For some complaints, they were willing to offer refunds. Thats when the paralegal will reach out after you purchase a package. Credit Saint - The Winner Credit Saint BBB rating is pretty impressive. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. How Long Does It Take to Repair Your Credit? Credit Saint and Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. Both companies are established and highly visible players in the business. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. They must make a reasonable faith effort to resolve grievances raised by customers. Which tax relief service is right for you? Is Credit Saint or Lexington Law Cheaper? Credit Saint does a simple job it reviews your credit report and addresses factors that can impact it. The goal of the founders was to revolutionize the repair industry. But if you have a lot more to spend, you may get more value by choosing Lexington Laws Advanced package. 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. They are not accredited and have a C rating. You can also cancel the service at any time without incurring any penalties or fees. 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. Now, this is not a high-stakes choice. The online account page also allows clients to submit any feedback forwarded by the bureaus. 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. This is a trustworthy company and we're not overly concerned about their business practices, but you've got other credit repair services to consider that won't charge quite so much. You've heard of couples therapy, but what is it and whom is it for? On the other hand, Lexington Law is quite vague regars to the speed of their service. No clear statistics about how many challenges and deletions theyve successfully entered through the years to improve or repair peoples credit. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. 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. Protection against identity theft services. Lets take a closer look at their pricing packages and provided features: Creditsaint allows customers to choose from three pricing packages: Its their most advanced package, and customers will pay an initial work fee of $195. Credit Saint complaints and positive reviews. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. The service has accumulated about 47 complaints on its BBB.org page in the last three years. 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. It also includes a credit analysis component. Read more. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. Each persons financial situation is unique, so its difficult to say how long credit repair will take. Top Consumer Reviews may earn money when you click on a link. 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. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. 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. Its the time taken by credit bureaus to carry out reinvestigations. However, those who are willing to wait are usually the ones who see remarkable results. Their four-step process entails: Step 1: Helping clients obtain copies of their credit reports and analyzing them for inaccurate entries to dispute. Now, what features do you get? Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Their FAQ section also contains a list of commonly asked questions about the service. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. Of course, as with anything, different aspects of each company will appeal to different clients, so you should always individually weigh the pros and cons of both Credit Saint and Lexington Law before deciding which one would work best for you and your credit repair needs. Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. On their website, they claim most customers stay with them for 6 months. Credit saint vs. Lexington law, who is the undisputed winner? Lexington Law may be able to help you repair your credit, but keep in mind that federal law prohibits any credit repair company from guaranteeing specific results. All Rights Reserved. Now, this does not mean that they will allow you to challenge all negative entries at once. There is something scary about looking at your credit report and finding items that you do not find justified or valid. Lexington Law is the biggest advertiser thus they have the biggest problem now. 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. Many common customer complaints include failing to get results, overpromising results, and overcharging for services. 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. Sky blue charges up front. But there are two questions you need to ask yourself. 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. Lexington Law may be better prepared to assist customers through negative life events. The company is available in a limited number of states and residents of South Carolina, Kansas, and Georgia cannot access it. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. 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 customers know that they can get their money back if there have been no removals in 90 days. The Credit Pros Review: Best Credit Repair 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. So, shopping around for credit repair firms is highly advised. IHG Rewards Club Premier Credit Card Review. We may receive compensation (at no cost to you) when you click on links to those products. You can find some recent articles in their blog section. How does this package stack up to Credit Saints Credit Remodel package? On their BBB.org page, the company responds to complaints within five business days at most. Your credit score could, Wondering if a 550 credit score is good or bad? On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. People with bad credit retain credit repair companies to help them dispute entries on their credit reports and improve their credit scores. Which one is the best for you? Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. 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 company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. Credit Saint is the oldest credit repair company in the industry. Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. On the positive side, you will get 100% of your money refunded if the company fails to remove any item within 90 days of signing up given that youve made full payment and you meet every other requirement given on the official website. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. All plans come with a reliable 90-day money-back guarantee. Here is a few list of features included in this plan: As you can see, this package is loaded with helpful features. Credit Saintgets to work right away on your account, so its possible to see positive results within a month or so depending on your situation and the number of negative items on your credit report. REVIEWED BY Brad Blanchard | September 12, 2022 November 4, 2022. Again, these are things you need to consider. 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! Its a great place to see their office photos too. Do you want to know how to get a 700 credit score in 90 days? Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Customers also like tracking their results and always seeing where they are in the credit repair process. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. 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. 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. Both Credit Saint and Lexington Law charge customers a fee each month for their services. In addition to credit repair services, the company also provides credit monitoring, educational resources, and a credit app so you can monitor your account progress from your phone. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. Credit Saint vs. Lexington Law. Credit Saintalso offers a no-strings 90-day money-back guarantee. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. 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. C rating the BBB ratings of credit Saint vs. Lexington Law may be able to you. Are gracious enough to offer refunds and guaranteed services answers regarding Lexington Law is the Winner. Repair company and an actual Law firm & # x27 ; ve opened offices in 17 states and licensed! 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