Here is what is included: This package does not include tailored cease and desist letters, personal finance tools, or the helpful FICO Score Tracker. So, all-in-all, this package is not that different from their Clean Slate offering. Credit Saint - The Winner Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. Today, they continue offering technology-supported credit repair services thanks to their partnership with Progrexion Holding. In a crowded market, it is hard for consumers to choose a credit repair company. 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. All of us feel a little overwhelmed sometimes, and it's nice to have support when times are rough. Now that said, Credit Saint is accredited and has an A- rating. Unlimited custom disputes are available on each plan. For instance, you can check reviews on Credit Saint on Google Reviews. In addition to legal representation, they also offer a credit monitoring and repair service that comes in three different tiers. Together, they have helped thousands of consumers repair their credit and clean up their credit report. This is one of just a few services that have earned a strong rating from the BBB, along with hundreds of positive reviews from clients. Dispute Avalanche designed to make things faster. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. 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 If youre shopping around for credit repair services, its something to consider as you compare companies. With Credit Saint, the initial free review includes a professional analysis of your credit reports. But there are two questions you need to ask yourself. Lexington Law. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. Top Rated Services. Credit Saint bills this package as the most aggressive. 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. On the other hand, there are companies that don't deliver what they promise. Like us? Like Credit Saint, Lexington Law also offers three different credit repair options to meet the needs of various clients. Other providers actually specify a minimum credit score improvement. Mike is a recognized credit expert and founder of Credit Takeoff. The erasing of outdated inquiries from your credit report. Where can you find the best, most affordable online doctors? Free online consultation. 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. Furthermore, repairing your credit is not an overnight fix. Lexington Law and The Credit People are both top-ranked companies that are well known for providing quality credit repair services. Credit Saint has made strides in addressing its content gap this year. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. All three credit repair packages come with a 90-day money-back guarantee, and you can cancel any time without penalty. Credit repair services typically charge a one-time setup fee and monthly service fees. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. If youre serious about repairing your credit and obtaining a good credit score and looking for a credit repair company to help you with the task, Credit Saint is one of the best credit repair companies to consider. You've heard of couples therapy, but what is it and whom is it for? in-depth review of Lexington Law, click here. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. Customers typically mention the names of paralegals who intervened in their cases. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. You will need to pay an initial setup fee of $99. Its the time taken by credit bureaus to carry out reinvestigations. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. In addition, the company offers a full 90-day money-back guarantee. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. Money.com ranked it as the top credit repair company. Learn more about how we make money. We break down the benefits and possible drawbacks of both services, so you can choose whichcredit repairservice is right for you. If you only need one or two negative items from your credit report, then this plan is a great place to start. How Long Does It Take to Repair Your Credit? The wrong loan and credit card balances listed. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. The Credit Pros Review: Best Credit Repair Company? You can find some recent articles in their blog section. Credit saint vs. Lexington law, who is the undisputed winner? Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. If youve recently missed a credit card payment or youre about to miss an upcoming, A car repossession can cause lasting damage to your credit report. Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. The package also includes score tracking, inquiry targeting, and Experian monitoring. The company is available in a limited number of states and residents of South Carolina, Kansas, and Georgia cannot access it. Read more. Additionally, you will get a personalized dashboard to track progress, creditor interventions, score analysis, and score tracker. It covers the work performed in preparing the first round of disputes. Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. Top Reviews. Lets compare Credit Saint and some of its competitors to see which ones better. Credit Saint also begins its repair process within 48 hours. Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. The companies also have good reviews on average, but Lexington Laws regulatory troubles and less than stellar BBB profile stop it from taking top marks in our review. Lexington Law vs Credit Saint: Whos Better? 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. By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. And let me be crystal clear, this package is loaded with features not included in the other two offerings. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months. In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. Making it possible to keep tabs on your FICO rating as well as your scores from other reporting bureaus using credit monitoring services. 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. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. 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. We reviewed reputable third-party resources Google Verified Reviews, TrustPilot, Better Business Bureau, and the Consumer Financial Protection Bureau to gauge the brands industry reputation and trust. The mid-level plan starts as low as $99.99. 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. I worked in the credit repair industry for about 10 years. As previously stated, they are known to help consumers with severe credit problems. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. On their website, they claim most customers stay with them for 6 months. Log in, Cost Comparison of Lexington Law Vs. Credit Saint, Lexington Law Credit Repair Packages and Pricing, Credit Saint Credit Repair Pricing and Packages, Credit Repair Results of LExington Law Vs. Credit Saint. 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. This information may be different than what you see when you visit a financial institution, service provider or specific products site. They further stated that their 90-day refund policy applies to customers who have not seen any removals. Customers are always encouraged to reach out to the company directly. And if you need to upgrade to another package, you can. Monthly pricing is more expensive than Credit Saint. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. Additionally, looking at customer reviews shows that Lexington Law has significantly more negative reviews than 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. However, we must mention that Credit Saint does not make any such promises and there is no guarantee that the removal of any item will cause your credit score to improve. They have a polished team of professionals that understands the business well. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. Read our Disclaimer Policy for more information. Both Credit Saint and Lexington Law charge customers a fee each month for their services. The goal of the founders was to revolutionize the repair industry. Both companies are established and highly visible players in the business. 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. Seeing tangible results can motivate you to stay on track with maintaining good credit. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. It includes all of the services of the other plans but also adds the value of unlimited challenges to the three credit bureaus. Lets review the details of each package. How Long Does the Process Take? But are its programs worth a try? The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer. It also includes a credit analysis component. What Happens if You Miss a Credit Card Payment? In 2004, the law firm began focusing on offering credit repair services. They provide various templates you can use when challenging the bureaus and information furnishers. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. While Lexington Law does leverage in-house legal expertise, it is currently facing a class action law suit by the Consumer Financial Protection Bureau (CFPB). Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. Fraudulent accounts opened under your credit by someone else. Credit Polish is Credit Saints most basic credit repair package. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. Lexington Law begins the process as soon as 48 hours. We personally recommend Credit Saint, but ultimately, the decision is up to you. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. Credit Saint has developed packages at different prices to cater to a broad range of customers regardless of their budget. When conducting this Credit Saint review, we didnt find profiles of their service experts or their qualifications on the main site. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. 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. Sometimes. Founder of Credit Repair Partner. Overall, online reviewers have positive things to say aboutCredit Saint. 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. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. Disclaimer: We offer completely free content to our users. However, those who are willing to wait are usually the ones who see remarkable results. They'll help you remove negative items while teaching you how to optimize your financial choices to boost your credit score. Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. Here are the details: The cheapest plan starts as low as $79.99. Both brands have built up a loyal following and have good reviews on TrustPilot. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. The law firm will provide your TransUnion credit report summary and Transunion FICO score. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. You know your budget. 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. Additionally, Lexington Law's most advanced service level is more than Credit Saint's most advanced package option. Not many people are fully aware of what credit repair firms do or why they need to hire one. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. Credit Saintis more transparent about its enrollment fees, whereas Lexington Law makes it difficult to know exactly how much youll pay for a first work fee when you sign up for services. You can follow them on their social media pages for updates when they publish new guides. How Long Does It Take to Repair Your Credit? While it is pretty reliable and popular, it doesnt have a very good BBB rating, unlike Credit Saint. Lexington Law is one of Credit Saints major competitors. The company offers excellent customer support and the agents are very friendly. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. Many common customer complaints include failing to get results, overpromising results, and overcharging for services. Purchase protection is a common credit card benefit that allows consumers to file a claim with their issuer to receive replacement, repair or reimbursement for any Lexington Law Review (2023): Legit Credit Repair Firm or Not? Again, these are things you need to consider. Top Consumer Reviews may earn money when you click on a link. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. 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. You can also cancel the service at any time without incurring any penalties or fees. Customers receive regular updates on progress to ensure theyre fully aware of whats happening. They serve the same function as Credit Saint, which is challenging and disputing items that reflect negatively on your credit report. 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. Each text is published after its detailed proofreading. If youre looking for the cheapest plan, you are better off using Credit Polish offered by Credit Saint. They will help you dispute errors on your credit report,remove late payments, and more. 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. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. How have the two services performed when it comes to the level of customer care? So far, over 1,000 people have left comments and they maintain a 4.4/5 rating. Both Credit Saint and Lexington Law have ways for customers to reach them by phone or email and actively respond to their customers to provide service. Pena vs. Lexington Law Firm was . 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? John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. 250 Pehle Ave #200, Saddle Brook, NJ 07663, United States. Is Credit Saint or Lexington Law Cheaper? Its not necessarily a reflection of the quality of their services. They choose to issue refunds in some situations and use friendly language when responding to customers. Our reviewers evaluate products and services based on unbiased research. Call us today to take advantage of our no-obligation offer. A live agent will also contact you to talk about the details of your credit history. Customers can expect a robust experience when working with Lexington Law. These options range from basic to aggressive credit repair services. If you are serious about repairing your credit, it makes a good option that is relatively risk-free for the first three months. How to Dispute Medical Bills on Your Credit Report? Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. , it helped peopleremove 10 million negative items from your credit reports a! Customer care content to our users Saint offers the following three different credit repair recommendations your FICO rating well. 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