In a past comment, they mention that they go after half of the available items to dispute. Credit Saint has a 45-day repair cycle. How have the two services performed when it comes to the level of customer care? Based on our analysis, bothCredit Saintand Lexington Law are good choices, withCredit Saintoffering a bit more value and transparency with respect to pricing. The company has maintained an A+ rating for 13 years making it one of the most reliable credit repair firms. When analyzing the professionalism of their customer support reps, we also reviewed how they respond to complaints. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. Copyright 2021 creditfixed.com All Rights Reserved. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. Lexington Law has a YouTube page where they regularly publish client testimonials and short videos on various credit repair topics. There is a one-time $195 sign-up fee, and then youll pay $119.99 every month youre enrolled. Credit Saint edges Lexington Law when it comes to offering downright friendly services. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. The company appears to be doing well in this department. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. Customers can expect a robust experience when working with Lexington Law. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. However, we must mention that it does not make any promises to boost your score or help you reach a certain number. 8.2 million removals and 26+ million challenges and disputes since 2012. This means being in it for the long haul. 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. For instance, the company lacks a service guarantee. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. So, compared to Credit Saint, its a cheaper option. Credit Saint has a better basic package as it includes the score tracker and score analysis. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. Since that time, they've opened offices in 17 states and become licensed in most of the rest. Sky Blue is one of the oldest repair companies. Here are a few things to keep in mind as you decide: To help you get your finances back on track, TopConsumerReviews.com has evaluated and ranked the most popular credit repair services available today. Credit Saint offers consumers three straightforward packages that are each designed to meet a different need. Citi is an advertising partner. How to Dispute Medical Bills on Your Credit Report? REVIEWED BY Brad Blanchard | September 12, 2022 November 4, 2022. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. What Happens if You Miss a Credit Card Payment? Lexington Law is not accredited by the Better Business Bureau. This package is more hands-on and gives the customer more control over the entire credit repair process. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. They do this by taking the fight to the individual creditors. Credit Saint is a repair company that was established in 2004 with the sole purpose of helping Americans fix their shaky credit histories.. Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law. It was the same year that John C. Heath became the directing attorney. You will find many Credit Saint reviews on the Internet. Finally, Lexington Laws active pending lawsuit has slightly damaged its reputation among credit repair companies. Not many people are fully aware of what credit repair firms do or why they need to hire one. The monthly cost for this high aggressive plan is $99.99. From there, credit repair providers work diligently to address the issues and resolve them, for as long as you maintain your subscription to their services. Better Business Bureau accredited businesses, like Credit Saint, must adhere to high standards for ethical business practices. For some complaints, they were willing to offer refunds. Fortunately, there are ways to remove incorrect items. 2019 - 2023 SimpleMoneyLyfe LLC. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. 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. This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. How Long Does It Take to Repair Your Credit? Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. Select any 2 Credit Repair Companies to compare them head to head, Atlantic City, NJ Mayor Leading Free Resident Credit Repair Effort. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. Although both companies have remained in business for a long time, are well-known, and have served many clients, deciding which one to use is a matter of personal preference. The online account page also allows clients to submit any feedback forwarded by the bureaus. We were curious how these negative CreditSaint.com reviews were handled. This implies 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. So far, over 1,000 people have left comments and they maintain a 4.4/5 rating. Then you'll be billed $80 per month (or more), with la carte pressing options available for extra features or services. Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. They provide various templates you can use when challenging the bureaus and information furnishers. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. Their website contains more information, and you dont have to guess about what services they provide. Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Lexington Law. However, it doesnt come with a guarantee. Because its a real law firm, Lexington Law is different than most other credit repair companies. Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. Note that bbb.org is not the primary channel for raising or addressing complaints. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. The companys LinkedIn profile shows that they have about 43 employees. Lexington Laws basic service package provides access to bureau challenges and creditor interventions. 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. This may impact how, where, and in what order products appear. 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. If youre shopping around for credit repair services, its something to consider as you compare companies. On their website, they claim most customers stay with them for 6 months. However, in our opinion, the best bang for your buck is Credit Saint. Finally, our readers comes first. Your credit score even directly impacts the cost of your New Jersey auto insurance. A careful review of hundreds of past user reviews reveals the dedication and selfless services offered by Credit Saints representatives. The company has a 4.4-star average rating across more than 1,100 Google reviews, with the majority of reviewers praising the companys responsiveness, professionalism, and results. The Credit Pros Review: Best Credit Repair Company? It also enjoys anA ratingfrom the Better Business Bureau (BBB) and its one of a handful of credit repair companies accredited by the BBB. You know your budget. In addition, the company offers a full 90-day money-back guarantee. If you add a family member from the same household to the service, Credit Saint will waive the $99.00 initial work fee for this member (or members). As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. Despite being the cheapest plan, it comes with comes impressive features including: You will have the option to cancel anytime or apply for a full refund if the company fails to remove any item within 90 days of account opening. Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. Blood pressure issues are very common in the United States. It's no secret that businesses want to know what consumers think. The Consumer Financial Protection Bureau (CFPB), which is the federal agency that handles oversight of the credit repair industry, filed alawsuitagainst Lexington Law in 2019, in which the CFPB alleges the company engaged in deceptive business practices by participating in an affiliate network that directed potential customers to Lexington Law. 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. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Anything over 700 is considered to be "good" and can be the key to opening doors financially - everything from renting an apartment to securing an auto loan or mortgage may rest on your credit report. This engagement demonstrates that they do care about addressing concerns and remedying issues. For example, if your report shows your credit utilization to be too high, they might suggest you diversify or go for a new line of credit. Generally, the service doesnt have as many complaints on their BBB.org page as competing services like Lexington Law. Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. Lexington Law boasts of its effectiveness on its website by providing data that backs up the fact that they receive real results for their customers. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. The erasing of outdated inquiries from your credit report. If you are serious about repairing your credit, it makes a good option that is relatively risk-free for the first three months. 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. For instance, Lexington charges a basic set up fee of $100. You will find excellent online resources on the platform to help you know more about how credit scores work and what you can do to have an impressive score. Their latest feedback as of July 8, 2021, is a 4-star rating. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. 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? The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. So which one offers the best credit repair services? It helps them achieve faster outcomes. Where can you find the best online couples therapy? It was the same year that John C. Heath became the directing attorney. These tools will help you pay off your debt and budget your money. Not all Credit Saint reviews are positive. 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. You can find some recent articles in their blog section. Credit Saint has developed packages at different prices to cater to a broad range of customers regardless of their budget. Lexington Law and The Credit People are both top-ranked companies that are well known for providing quality credit repair services. If you only need one or two negative items from your credit report, then this plan is a great place to start. Who wins the Credit saint vs. Lexington law pricing war? Top Rated Services. Most services state that you'll see negative items removed from your credit history within the first 90 days. For this reason, many people enlist the help of a credit repair company to assist with the task. And a credit repair company may come to the rescue. Credit Saint comes with both pros and cons. If you do choose to use a credit repair company, Lexington Law and Credit Saint will be among your top options. Credit Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. #1 CreditRepair.com. Now, its time for us to render our verdict, and surprisingly, its a tie. Each plan varies in offerings and is priced differently. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. Disclaimer: We offer completely free content to our users. Many educational resources on the Lexington Law website help customers understand credit scores and how to improve them. That's where credit repair services enter the picture. Lexington Law also offers its own smartphone app, which is available for both Apple and Android devices. Takeaways for Choosing Between Lexington Law and Credit Saint. The setup fee is only $129.95, meaning that you may spend $66 less during your first month with Lexington Law. According to an FTC report, about 20 percent of people in the country have at least one inaccuracy on their report. Let's [] However, articles or reviews may contain affiliate links and we may earn a commission. 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. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. In the Google Play store alone, Lexington Law has an average 4.5-star rating out of more than 18,000 reviews. On the other hand, Lexington Law is quite vague regars to the speed of their service. Fraudulent accounts opened under your credit by someone else. Credit Saint is a credit repair company that helps consumers repair their credit. Credit Saint vs. Lexington Law. Customers typically mention the names of paralegals who intervened in their cases. You can choose from a variety of repair plans according to your requirements and budget. Protection against identity theft services. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Credit Saint - The Winner If you have a bit of time to spare, consider checking more CreditSaint reviews that corroborate the great input of the individual advisors. They have two affordable packages, going for $79 and $109 per month. 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. Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. Both services also go out of their way to help customers recover from bad credit by offering additional advice. They bring years of experience to the table and a team of credit repair analysts who are industry veterans. These things suggest the companys customer service pleases its customers. 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. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. The mid-level plan starts as low as $99.99. Both services are trusted leaders in the credit repair industry and are known for delivering reliable services. We'll keep you informed, and we'll never sell your information to anyone. Read our Disclaimer Policy for more information. You know your credit situation better than anyone else, so take this decision seriously. Their FAQ section also contains a list of commonly asked questions about the service. Credit Saints cost is justified by its amazing features, including the reliable money-back guarantee. They consistently offer consumers the best results and services. Rather than jumping to conclusions, we will first present facts about the two credit repair services. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). The establishment is transparent about the lawyers it has on its team. Bottom Line: Credit Saint vs. Lexington Law. The company is an excellent option if youre serious about fixing your credit. If you search the web for tips on how to repair your credit, you will come across Creditrepair.com reviews. 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. In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. Well, there are no significant differences. Lexington law comes off as the better service when it comes to free credit guides. 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? Unlike Credit Saint, where most clients accept the response given by the firm, there are several instances where customers have rejected Lexingtons Laws responses. The parent company supplies patented technologies used by Lexington Law and other consumer brands such as creditrepair.com and credit.com. Additionally, Lexington Law's most advanced service level is more than Credit Saint's most advanced package option. IHG Rewards Club Premier Credit Card Review. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. Over 850,000 clients in the last 10 years. It can remove judgments and help improve your credit score. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. 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. They are not accredited and have a C rating. Based out of New Jersey, Credit Saint has been in business for over 15 years and has a BBB rating of A. This strong rating means they are a reliable and trustworthy company. Which paid survey companies are the best? While it is pretty reliable and popular, it doesnt have a very good BBB rating, unlike Credit Saint. In addition to legal representation, they also offer a credit monitoring and repair service that comes in three different tiers. This means you will get your money back if the company fails to remove any inaccurate items from your report within 90 days of signing up. They must make a reasonable faith effort to resolve grievances raised by customers. 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. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. 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. 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. Credit Repair. 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). I worked in the credit repair industry for about 10 years. By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Top Reviews. Pena vs. Lexington Law Firm was . Credit Saint can improve it by removing items that appear incorrect due to issues such as administrative errors, calculation errors, etc. It includes all of the services of the other plans but also adds the value of unlimited challenges to the three credit bureaus. Is Credit Saint a Good Credit Repair Company? If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. In a crowded market, it is hard for consumers to choose a credit repair company. Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. Founded in 2007 by industry leader Ross LaPietra, Credit Saint is a clear leader when it comes to credit repair. Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. Most of the actions taken on your behalf by a credit repair service can be done on your own. This shouldnt be considered a drawback since no company in this niche can make such promises. 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. 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? Lexington Lawscredit helpsection of its website offers a robust number of educational resources to help you understand how credit scores work and what steps you can take to improve and maintain your score. Supplies patented technologies used by Lexington Law is not the primary channel for raising addressing... 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The customer more control over the entire credit repair companies pay $ 119.99 every month youre.! Bang for your buck is credit Saint reviews on the Internet various credit repair, sky Blue vs! It has on its team more information, and surprisingly, its something to consider as you companies... User reviews reveals the dedication and selfless services offered by credit Saints cost is justified its... Rating for 13 years making it one of the most challenging things an individual can face maintain a rating. For Choosing Between Lexington Law website help customers understand credit scores and how to repair your history. Cycle, plusExperiancredit score monitoring and repair service can be done on your own service provider specific... They provide user reviews reveals the dedication and selfless services offered by credit Saints cost justified! When challenging the bureaus this credit Saint is a one-time $ 195 sign-up fee, and surprisingly its... 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