This makes it easy to monitor your account and the credit repair process on the go. 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. 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. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. In that time, you will have roughly paid the same fees if you selected either service. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. Credit Saint vs. Lexington Law: Which One is Better? Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. Together, they have helped thousands of consumers repair their credit and clean up their credit report. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. Each plan varies in offerings and is priced differently. Both Credit Saint and Lexington Law will require your full commitment. This shouldnt be considered a drawback since no company in this niche can make such promises. In a crowded market, it is hard for consumers to choose a credit repair company. Fraudulent accounts opened under your credit by someone else. Are you typically available to make calls during business hours? 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 This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. However, it doesnt come with a guarantee. When comparing Credit Saint and Lexington Law, consumers should take note of what educational resources both credit repair companies provide their customers. The goal of the founders was to revolutionize the repair industry. If you only need one or two negative items from your credit report, then this plan is a great place to start. It is one of the few companies that have an A+ Better Business Bureau rating. At this level,Credit Saintoffers unlimited disputes each dispute cycle, plus all the features included in the Credit Polish and Credit Remodel packages. Sky Blue is one of the oldest repair companies. Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. On the downside, it is not a 100% guarantee. They provide various templates you can use when challenging the bureaus and information furnishers. This package is more hands-on and gives the customer more control over the entire credit repair process. Credit Saint bills you for their credit repair services monthly and allows you to cancel any time, so you only commit for however long you need to repair your credit. Generally, the service doesnt have as many complaints on their BBB.org page as competing services like Lexington Law. Where can you find the best Moving Company? view details Credit service companies cannot promise a result or credit score increase. They have two affordable packages, going for $79 and $109 per month. Who provides the best debt relief? Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. Now that said, Credit Saint is accredited and has an A- rating. Credit Takeoff strives to keep our information accurate and up to date. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee 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. Lexington Law has a YouTube page where they regularly publish client testimonials and short videos on various credit repair topics. While neither Credit Saint nor Lexington Law provides cookie-cutter answers to this question, our research indicates that Credit Saint is more aggressive at filing disputes and intervening with creditors. Like we said earlier, repairing your credit is a long process. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt. Here are some key takeaways that can help you make the final decision between the two giant credit repair brands: Lexington Law lacks a money-back guarantee, but you get it with Credit Saint. 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. Which tax relief service is right for you? They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. How did we arrive at this conclusion? Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. How To Choose Between Lexington Law and Credit Saint. Protection against identity theft services. Plus, it is BBB accredited with very few complaints under the belt. Credit Saint operates on a 45-day dispute cycle. This engagement demonstrates that they do care about addressing concerns and remedying issues. Both services are trusted leaders in the credit repair industry and are known for delivering reliable services. By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. Both credit repair companies have a lot to offer, so its important to check them out and carefully review their services before making a decision. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. Many common customer complaints include failing to get results, overpromising results, and overcharging for services. Both Lexington Law and Credit Saint offer robust credit repair packages. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. An achievement that should not go unnoticed. And let me be crystal clear, this package is loaded with features not included in the other two offerings. The platform lags behind in terms of tech and tools. There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. There is a one-time $195 sign-up fee, and then youll pay $119.99 every month youre enrolled. This means they will send out a new round of credit report disputes every 45-days. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. 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. 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. Copyright 2021 creditfixed.com All Rights Reserved. Overall, online reviewers have positive things to say aboutCredit Saint. Furthermore, repairing your credit is not an overnight fix. Our reviewers evaluate products and services based on unbiased research. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. The two companies have provided credit repair services for several years and have made large impacts on the credit repair industry. Credit Saint works in 45-day cycles. Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. Learn more about how we make money. The company is also an actual Utah-based law firm that deals with other legal matters as well. Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. These two companies have many similarities but also some differences that may be important when deciding between the two services. It also includes a credit analysis component. So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. Their latest feedback as of July 8, 2021, is a 4-star rating. These options range from basic to aggressive credit repair services. However, The Credit Pros has a top plan that is more expensive than Credits Saints most aggressive package. If we feel this product or service is not to our standards we will not recommend solely due to money. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. Credit Saint is the oldest credit repair company in the industry. Each credit repair firm offers a dedicated customer service line for clients that can help answer any questions you may have. Top Reviews. It is a well-known credit repair company in the industry that offers some great features. 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. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. In this The Credit Pros review, well have a look at one such company and gauge if its worth a try or not. We only recommend products or services that we would use ourselves and have gone through a significant amount of research before posting. Credit Saint vs. Lexington Law: Whos Better? The company utilizes automated systems to boost its workflow efficiency and strives to offer the best value. You will need to talk to the agents if you wish to cancel your plan or ask for a refund. The team members are mainly based in New Jersey and the New York Metro Area. In our recommendation, Credit Saint outperforms Lexington Law overall. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. They then create customized challenge letters for these items and send them to the credit bureaus for a response. 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. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. Follow us! Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer. With that said, Lexington Law is still a noteworthy credit repair firm, but it is best to shop around and see what other options are available. Credit Saint is a solid choice for credit repair. We may receive compensation (at no cost to you) when you click on links to those products. Well, there are no significant differences. Customers also like tracking their results and always seeing where they are in the credit repair process. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. These two questions will help you uncover the truth. Credit Saint - The Winner Also, note that no company can remove legitimate items from a credit report. The results are processed in order to detect spammy and fake feedback. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. Founder of Credit Repair Partner. 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. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. But, how much time do you have? Credit Sainthas three tiers of services, with pricing that ranges from $79.99 per month to $119.99 per month. 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. Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. They serve the same function as Credit Saint, which is challenging and disputing items that reflect negatively on your credit report. Before making a decision about a credit repair service, its a good idea to read through the positive and negative reviews so you can get a feel for the pros and cons of each service. Credit Saint also begins its repair process within 48 hours. Who wins the Credit saint vs. Lexington law pricing war? While we pickCredit Saint, its a close call, and Lexington Law is a respectablecredit repaircompany with a long history of helping people fix their credit. Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. Now, its time for us to render our verdict, and surprisingly, its a tie. People with bad credit retain credit repair companies to help them dispute entries on their credit reports and improve their credit scores. Credit Repair. 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. In this second featured feedback, the client said that she received help from a phenomenal agent who was kind, patient, and understanding. She said she was planning to choose another provider but selected Credit Saint credit restoration services because of how the agent handled her questions and concerns. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. It includes all of the services of the other plans but also adds the value of unlimited challenges to the three credit bureaus. These tools will help you pay off your debt and budget your money. And a credit repair company may come to the rescue. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. Blood pressure issues are very common in the United States. Elsewhere, both companies get generally favorable reviews from former and current clients. 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. If you have challenging credit history, it makes all of these things more complex and frustrating. He has helped people repair their credit by giving them easy to follow steps, advice and tips on how to improve their financial situation. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. In 2004, the law firm began focusing on offering credit repair services. #1 CreditRepair.com. They claim that this helps them fastrack the preparation of the initial first round of disputes. Based on our analysis of both companies customer ratings, pricing, educational resources, and speed of service, we thinkCredit Saintcomes out on top. This implies they will send out a new round of credit report disputes every 45-days. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. In a crowded market, it is hard for consumers to choose a credit repair company. However, their number of years in business, excellent BBB rating, and good customer reviews suggest that they are effective in credit repair and one of the best companies in the business. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. It can remove judgments and help improve your credit score. 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. We'll keep you informed, and we'll never sell your information to anyone. Both Credit Saint and Lexington Law offer unique credit repair packages. Money.com ranked it as the top credit repair company. SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. 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. The mid-level plan starts as low as $99.99. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. Most of the actions taken on your behalf by a credit repair service can be done on your own. How Long Does It Take to Repair Your Credit? Credit Saint vs. Lexington Law. Concord Premier At $109.95 per month, the Concord Premier is the middle-of-the-road service level, which gets you everything in the Concord Standard plan plus TransUnion score alerts and a monthly credit score analysis. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Top Products. The monthly cost for this high aggressive plan is $99.99. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. 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? Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. Its the time taken by credit bureaus to carry out reinvestigations. The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. Do you want to know how to get a 700 credit score in 90 days? This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. Credit Saint is better if you are looking to partner with a credit repair company. The firm began focusing on credit repair in 2004, although the law firm was formed several years before that, making Lexington Law one of the oldest credit repair companies in the business. Choose a credit repair package that you can afford and aligns with your financial goals. This means being in it for the long haul. You also get disputes for bankruptcies and repossessions. (Ad) If youre thinking about signing up with Lexington Law to help repair your credit, youve come to the right place. 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. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. Private Dashboard Talk to us as much or as little as you like. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. Your credit score could, Wondering if a 550 credit score is good or bad? Customers are always encouraged to reach out to the company directly. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify?
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