Credit Saintand Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. Who can you trust when looking for the best payday loans? Not many people are fully aware of what credit repair firms do or why they need to hire one. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. The Credit Pros doesnt boast of the same high regard, even though they claim to work with a team of FICO-certified experts. view details Credit service companies cannot promise a result or credit score increase. How have the two services performed when it comes to the level of customer care? 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. There are so many different ways to go. The Credit Pros Review: Best Credit Repair Company? The company is unique because it compromises solicitors with experience in the niche. In this highlighted review, the client complained about not seeing any removal but getting charged for the service. Lexington Law offers more value by including cease-and-desist letters and identity protection in their advanced package. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. 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. When going over Credit Saints services, one thing that stands out is that they dont make such promises. Lexington Law vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. Who wins the Credit saint vs. Lexington law pricing war? Credit repair services typically charge a one-time setup fee and monthly service fees. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. 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. Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. How does this package stack up to Credit Saints Credit Remodel package? A live agent will also contact you to talk about the details of your credit history. Customers are always encouraged to reach out to the company directly. 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. They then create customized challenge letters for these items and send them to the credit bureaus for a response. But are its programs worth a try? Learn more about how we make money. The client liked that Jordan recommended a plan that was suitable for his needs. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. All three credit repair packages come with a 90-day money-back guarantee, and you can cancel any time without penalty. In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. If you choose this one, you will also have to pay the first-work fee of $195. 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? Top Reviews. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. Its better to have a response than to have your complaint ignored entirely. Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. The erasing of outdated inquiries from your credit report. Which blood pressure supplement is the best? Credit Saint is better if you are looking to partner with a credit repair company. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. Lexington Law vs. Credit Saint: Customer Service. Late payments, applying for multiple credit cards in a short period of time, or even problems with mistaken identity can all lead to a less-than-excellent credit profile. 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. However, articles or reviews may contain affiliate links and we may earn a commission. 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. In a crowded market, it is hard for consumers to choose a credit repair company. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. Learn more >. This implies they will send out a new round of credit report disputes every 45-days. Are you typically available to make calls during business hours? They consistently offer consumers the best results and services. 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. Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. 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. Credit Saint has a better basic package as it includes the score tracker and score analysis. This engagement demonstrates that they do care about addressing concerns and remedying issues. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. Contact us today to learn more and find out about our additional services. 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. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. The company website has an educational blog that provides customers with valuable information about credit repair. While it doesnt always work, there is still a chance of success. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. As you start to explore the possibility of credit repair, you'll soon see that there are many providers hoping to gain your business as a client. Other providers actually specify a minimum credit score improvement. Credit Saint BBB rating shows that the company is reliable and loved by people. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. Copyright 2021 creditfixed.com All Rights Reserved. Finally, our readers comes first. Fortunately, there are ways to remove incorrect items. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Lexington Law. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. In a crowded market, it is hard for consumers to choose a credit repair company. Credit Sainthas three tiers of services, with pricing that ranges from $79.99 per month to $119.99 per month. Credit Repair. Well find out in this Credit Saint review and answer all questions you may have about the 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. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. 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. These errors can impact your score and lead to issues in the future. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. Bottom Line: Credit Saint vs. Lexington Law. The biggest determinant of how fast items will be removed from your credit report is not the company you select. The last thing you want to do is incur more debt. If youre undecided about credit repair,Credit Saintoffers a complimentary consultation, so you can ask questions and get more information about their services. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. Like Credit Saint, Lexington Law also offers three different credit repair options to meet the needs of various clients. 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. 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. One of the best ways to compare Lexington Law and Sky Blue is to look at their pricing and packages. People lost more than $16 billion due to these cases and the problem is only increasing. Both Credit Saint and Lexington Law charge customers a fee each month for their services. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. So, compared to Credit Saint, its a cheaper option. A lot of companies in 2022 promise to Disclaimer: We provide free content for our users. Think about a loan that you never took but it appears on your report due to an administrative error. 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. in-depth review of Lexington Law, click here. You can also have a better feel of their customer service quality by obtaining their free consultation. They serve the same function as Credit Saint, which is challenging and disputing items that reflect negatively on your credit report. Choose a credit repair package that you can afford and aligns with your financial goals. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. For instance, you can download a 609 letter and pay-for-delete letter template. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? 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. Both Credit Saint and Lexington Law are two of the best credit repair companies in the United States. These two companies have many similarities but also some differences that may be important when deciding between the two services. If youre looking for the cheapest plan, you are better off using Credit Polish offered by Credit Saint. All three packages come with a $99.00 initial work fee that you pay upfront once in addition to the monthly fee. Their website contains more information, and you dont have to guess about what services they provide. Over 13 years of experience in credit repair companies and finance. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. You will find many Credit Saint reviews on the Internet. You shouldn't expect miraculous, rapid increases in your credit score - most credit repair processes result in a modest increase of about 40 points, though some may bring you up by 100 points or more - but it could be what makes the difference for your financial goals and credit needs. Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. And if you need to upgrade to another package, you can. 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. They further stated that their 90-day refund policy applies to customers who have not seen any removals. While both companies are BBB accredited, Credit Pros has a current rating of B+. During the session with a rep, ask all pressing questions about repairing bad credit and errors. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. It leverages digital partnerships to facilitate electronic disputes and provides personal finance tools in its mobile app. Note that bbb.org is not the primary channel for raising or addressing complaints. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. On average, customers subscribe for six months of service. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. Top 4 Lenders for Bad Credit Loans: Compare Rates and Terms. If you are working to repair your credit, youve likely spent extensive time trying to. How To Choose Between Lexington Law and Credit Saint. REVIEWED BY Brad Blanchard | September 12, 2022 November 4, 2022. Lexington law comes off as the better service when it comes to free credit guides. Each plan varies in offerings and is priced differently. Customers can expect a robust experience when working with Lexington Law. The company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. You will need to talk to the agents if you wish to cancel your plan or ask for a refund. This shouldnt be considered a drawback since no company in this niche can make such promises. If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. If there have been deletions within 90 days, Credit Saint may not issue the refund. Credit Saint also offers their customers a 90-day money-back guarantee, which indicates that they care about customer satisfaction, stand behind their product, and strive to obtain actual customer results. Lexington Law vs Credit Saint: Whos Better? Credit Saint vs Lexington Law vs Sky Blue vs CreditRepair.com vs Ovation 2022 CREDIT S2E216 5,446 views Jul 16, 2021 121 Dislike Share The Awesome S'witty Kiwi Show Credit Saint vs. The goal of the founders was to revolutionize the repair industry. Here is what is included: This package does not include tailored cease and desist letters, personal finance tools, or the helpful FICO Score Tracker. 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