Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. People lost more than $16 billion due to these cases and the problem is only increasing. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. This team of legal professionals is known for solving the most complex credit problems. We'd love to have you join our community! On the other hand, Lexington Law is quite vague about the speed of their service. The service has accumulated about 47 complaints on its BBB.org page in the last three years. However, we must mention that it does not make any promises to boost your score or help you reach a certain number. Whos faster Lexington Law or Credit Saint? Credit Saint operates on a 45-day dispute cycle. Which blood pressure supplement is the best? 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. How have the two services performed when it comes to the level of customer care? And this gives you a chance to ask questions and explore your options. Customers expect to see immediate results. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. With this package, they will dispute up to 5 inaccurately reported items on your credit report. In the Google Play store alone, Lexington Law has an average 4.5-star rating out of more than 18,000 reviews. In addition to legal representation, they also offer a credit monitoring and repair service that comes in three different tiers. When comparing Credit Saint and Lexington Law, consumers should take note of what educational resources both credit repair companies provide their customers. This is one of the biggest misconceptions with the credit repair industry. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. The company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. As with any credit repair service, the length of time required to see movement in your score depends on your unique situation. This plan costs $119.95/month. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? At this level,Credit Saintoffers unlimited disputes each dispute cycle, plus all the features included in the Credit Polish and Credit Remodel packages. Let's [] Consistently ranked as the top service on finance sites, Offers unlimited challenges per dispute cycle, Free non-obligatory credit repair consultation, Tailors services and disputes to each situation, 90-day refund policy means a worry-free service, Offers education on other ways to optimize scores, Intuitive dashboard for tracking challenges, Responds to complaints with care and attention. Protection against identity theft services. How Long Does It Take to Repair Your Credit? Credit Saint offers the following three different credit repair plans to meet the needs of various clients. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. They'll help you remove negative items while teaching you how to optimize your financial choices to boost your credit score. Better Business Bureau accredited businesses, like Credit Saint, must adhere to high standards for ethical business practices. How To Choose Between Lexington Law and Credit Saint. 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. Their latest feedback as of July 8, 2021, is a 4-star rating. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. And a credit repair company may come to the rescue. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Clean Slate The only claim to dispute nonfactual information in the credit report. Lexington Law. Lexington Law leverages this process to fix their clients' credit. How Rapid Rescoring Can Quickly Raise Your Credit Score, Credit Remodel At $99.99 per month, the Credit Remodel package isCredit Saints mid-tier service level. 8.2 million removals and 26+ million challenges and disputes since 2012. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. They further stated that their 90-day refund policy applies to customers who have not seen any removals. Like Credit Saint, Lexington Law also offers three different credit repair options to meet the needs of various clients. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. 1-833-333-8277 Cody Johnson, Managing Attorney, John C. Heath, Attorney at Law, PC, d/b/a Lexington Law Firm, 20620 North 19th Avenue, Phoenix, Arizona 85027 Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? Credit Saint BBB rating shows that the company is reliable and loved by people. Who can you trust when looking for the best payday loans? Both brands have built up a loyal following and have good reviews on TrustPilot. On the other hand, Credit Saint has not been specific about its use of electronic disputes. The Clean Slate package is Credit Saints most aggressive credit repair plan. Which paid survey companies are the best? Like us? And a credit repair company may come to the rescue. If you're facing an ever-increasing pile of "past due" notices, threatening letters from the IRS, and credit card statements where Where should you sign up as a mystery shopper? You know your budget. 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. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. SimpleMoneyLyfe Credit Saint vs. Lexington Law: Who is Better? And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. Lexington Law is not accredited by the Better Business Bureau. It includes all of the services of the other plans but also adds the value of unlimited challenges to the three credit bureaus. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. Which one is the best for you? Finally, Lexington Laws active pending lawsuit has slightly damaged its reputation among credit repair companies. On the other hand, Lexington Law is quite vague regars to the speed of their service. From here, you can get status updates, progress reports, and other information about your account and your credit. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. Fret not, Credit Saint is known for fighting tooth and nail with your debt collectors and all three credit bureaus. However, there are a few things consumers should know. Online doctors, whose services are often referred to as telemedicine or telehealth, are a convenient and accessible way for patients to receive Where can you find the best Stress Relief? In our recommendation, Credit Saint outperforms Lexington Law overall. Keep in mind that laws prevent any company that repairs credit from guaranteeing customers that they will see specific results as every credit repair situation is different, and various factors determine results. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. You will find many Credit Saint reviews on the Internet. This can offer a great deal of peace of mind when youre worried about getting yourcredit score back on track. 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. All financial products, shopping products and services are presented without warranty. Their four-step process entails: Step 1: Helping clients obtain copies of their credit reports and analyzing them for inaccurate entries to dispute. Additionally, Credit Saint has not been involved in any lawsuits brought about by disgruntled customers or the Consumer Financial Protection Bureau (CFPB). For this reason, many people enlist the help of a credit repair company to assist with the task. Credit Saint is accredited and highly rated with an A by the BBB, whereas Lexington Law has a C rating with the BBB and is not accredited. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. Both Credit Saint and Lexington Law will require your full commitment. One of the best ways to compare Lexington Law and Sky Blue is to look at their pricing and packages. Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. In this highlighted review, the client complained about not seeing any removal but getting charged for the service. 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. 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. Unlike Credit Saint, where most clients accept the response given by the firm, there are several instances where customers have rejected Lexingtons Laws responses. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. Finally, our readers comes first. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. The monthly cost for this high aggressive plan is $99.99. 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. With the facts presented before you, we hope our research provides clarity to your situation. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. On the downside, it is not a 100% guarantee. The only difference is that you will not get unlimited disputes, and Credit Saint will not send custom cease and desist letters. Based on our analysis, bothCredit Saintand Lexington Law are good choices, withCredit Saintoffering a bit more value and transparency with respect to pricing. The online dashboard allows customers to track the progress of their credit repair. All three credit repair packages come with a 90-day money-back guarantee, and you can cancel any time without penalty. Regarding customer service, Lexington Law has many more complaints lodged against them than Credit Saint does. This means they will send out a new round of credit report disputes every 45-days. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. Unfortunately, Credit Saint does not have a robust blog on its website; however, that is changing according to our research. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. Credit Saint vs. Lexington Law. We personally recommend Credit Saint, but ultimately, the decision is up to you. Customers must receive a free credit consultation with Lexington Law to receive complete pricing. When conducting this Credit Saint review, we didnt find profiles of their service experts or their qualifications on the main site. Lexington Law vs. Credit Saint: Which One is Faster? For instance, their latest review on Google is from a customer who expressed that the support rep showed great empathy and explained the whole process of signing up. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. Credit Saint is a solid choice for credit repair. It helps them achieve faster outcomes. Where can you find the best Moving Company? The companys LinkedIn profile shows that they have about 43 employees. Disclaimer: We offer completely free content to our users. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. The company charges a high initial work fee up to 195 cases based on the plan you have selected. So, shopping around for credit repair firms is highly advised. Top Products. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. Where can you find the best, most affordable online doctors? REVIEWED BY Brad Blanchard | September 12, 2022 November 4, 2022. 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. Lexington Law may be better prepared to assist customers through negative life events. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. Additionally, Concord Premier will not help you with identity theft. Copyright 2021 creditfixed.com All Rights Reserved. Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. Some customers might like the benefit of having these types of legal experts on their side. The client liked that Jordan recommended a plan that was suitable for his needs. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. Credit Saint has developed packages at different prices to cater to a broad range of customers regardless of their budget. Now, its time for us to render our verdict, and surprisingly, its a tie. Read more. Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. 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. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. We'll keep you informed, and we'll never sell your information to anyone. Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. Get started today with a FREE credit consultation. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. 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