credit saint vs lexington law

The companys LinkedIn profile shows that they have about 43 employees. 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. 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. This shouldnt be considered a drawback since no company in this niche can make such promises. They have two affordable packages, going for $79 and $109 per month. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. Not only is Credit Saint a BBB accredited business, but all programs come with Credit Saint's 90-day Money Back Guarantee. The monthly cost for this plan is $119.99 per month. 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. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt. On the downside, it is not a 100% guarantee. Finally, Lexington Laws active pending lawsuit has slightly damaged its reputation among credit repair companies. Both Lexington Law and Credit Saint offer robust credit repair packages. These include: Credit Saint works by preparing custom arguments for each item and can help increase your credit score to help you get more loans at an affordable rate and enjoy a better financial life. Credit Saint has a $99 setup fee for their lower packages and a $195 setup fee for their Clean Slate package, but their monthly costs are less than Lexington Laws. They further stated that their 90-day refund policy applies to customers who have not seen any removals. The mid-level plan starts as low as $99.99. The only claim to dispute nonfactual information in the credit report. A 550 credit score is, Building or improving credit can be overwhelming. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. Credit Saint can improve it by removing items that appear incorrect due to issues such as administrative errors, calculation errors, etc. Lexington Law currently has a pending federal lawsuit that alleges deceptive and unlawful marketing and billing practices (the company is currently disputing the suit and has filed a motion to dismiss it). Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. Protection against identity theft services. This is one of the biggest misconceptions with the credit repair industry. For instance, while Credit Saint offers a 90-day money-back guarantee, its still subject to many conditions. However, in our opinion, the best bang for your buck is Credit Saint. A foreclosure is a process that starts when a borrower fails to pay their mortgage. This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. They choose to issue refunds in some situations and use friendly language when responding to customers. Rejected bankruptcies and defunct collection accounts. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. This is comparable to other credit repair services, and we like that Lexington Law offers a range of service levels designed to accommodate all budgets. People lost more than $16 billion due to these cases and the problem is only increasing. We'd love to have you join our community! 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. Credit Saint has developed packages at different prices to cater to a broad range of customers regardless of their budget. They only facilitate the process but they dont control what gets removed. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. And, there's something to be said for letting the experts do the work, using their knowledge and connections to ensure that your credit repair process is done effectively. You can also have a better feel of their customer service quality by obtaining their free consultation. Credit Saint has a 45-day repair cycle. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. Typically, most investigations are concluded within 30 days, but credit bureaus can add 15 days if necessary. The company is an excellent option if youre serious about fixing your credit. Plus, it is BBB accredited with very few complaints under the belt. Think about a loan that you never took but it appears on your report due to an administrative error. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. The wrong loan and credit card balances listed. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. Bottom Line: Credit Saint vs. Lexington Law. Its better to have a response than to have your complaint ignored entirely. In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Both firms also offer free consultations. Credit Saint and Lexington Law will also help craft cease and desist letters that encourage creditors from continuing to report inaccurate information after it's been disputed. They must make a reasonable faith effort to resolve grievances raised by customers. If youre shopping around for credit repair services, its something to consider as you compare companies. 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. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. 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. Lexington Law takes a personalized approach to credit repair. Some customers might like the benefit of having these types of legal experts on their side. Credit Saint vs. Lexington Law: Which One is Better? We're confident that this information will give you everything you need to choose the right partner in your journey towards a fantastic credit report! But for now, Lexington Law offers more educational resources. If youre undecided about credit repair,Credit Saintoffers a complimentary consultation, so you can ask questions and get more information about their services. 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. Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. You also get disputes for bankruptcies and repossessions. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. 250 Pehle Ave #200, Saddle Brook, NJ 07663, United States. The Credit Pros doesnt boast of the same high regard, even though they claim to work with a team of FICO-certified experts. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. In a past comment, they mention that they go after half of the available items to dispute. All Rights Reserved. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. For some complaints, they were willing to offer refunds. In addition to credit repair services, the company also provides credit monitoring, educational resources, and a credit app so you can monitor your account progress from your phone. We'll keep you informed, and we'll never sell your information to anyone. 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 Top Consumer Reviews may earn money when you click on a link. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. In this highlighted review, the client complained about not seeing any removal but getting charged for the service. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. If you are serious about repairing your credit, it makes a good option that is relatively risk-free for the first three months. Fraudulent accounts opened under your credit by someone else. And this gives you a chance to ask questions and explore your options. 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. Unlimited custom disputes are available on each plan. 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. They then create customized challenge letters for these items and send them to the credit bureaus for a response. Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. Credit Saint edges Lexington Law when it comes to offering downright friendly services. The positive BBB rating of Credit Saint suggests that the company has good customer service and handles complaints and inquiries satisfactorily. Overall, the process takes as long as needed to remove as many negative items from your report as possible. Additionally, looking at customer reviews shows that Lexington Law has significantly more negative reviews than Credit Saint. If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. That's where credit repair services enter the picture. Lexington Law is one of Credit Saints major competitors. 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. He has helped people repair their credit by giving them easy to follow steps, advice and tips on how to improve their financial situation. However, The Credit Pros has a top plan that is more expensive than Credits Saints most aggressive package. 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. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. And a credit repair company may come to the rescue. The PremierPlus package is Lexington Laws most advanced credit repair plan. Mike is a recognized credit expert and founder of Credit Takeoff. 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. Their FAQ section also contains a list of commonly asked questions about the service. Unfortunately, not everyone understands what goes into a positive credit history. When analyzing the professionalism of their customer support reps, we also reviewed how they respond to complaints. Private Dashboard Talk to us as much or as little as you like. Using the incorrect name, address, or Social Security number. Having said this, Lexington Law still takes time to respond to complaints. Credit repair is just like it sounds: a process by which your credit history and score are improved. In addition, they provide resources to help you repair and improve your credit score and maintain it in the long term. Learn more >. Other than that, you still get all the extra features available on the Clean Slate package. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. 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. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. Credit Saint BBB rating shows that the company is reliable and loved by people. 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. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. All plans come with a reliable 90-day money-back guarantee. 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. Hiring a credit repair provider can save you a significant amount of time and hassle. However, Lexington Law appears to respond to each poor review and customer complaint on the BBB site, so this shows the company is aware of complaints and takes them seriously. Customers expect to see immediate results. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. The law firm will provide your TransUnion credit report summary and Transunion FICO score. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. For instance, TransUnion says that they conclude most disputes within two weeks. The main office is in Mahwah, New Jersey. We personally recommend Credit Saint, but ultimately, the decision is up to you. 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. A careful review of hundreds of past user reviews reveals the dedication and selfless services offered by Credit Saints representatives. Be sure to check out the reputation of any credit repair service you're considering: customer feedback, number of years in business, and the service's BBB rating are all helpful indicators of a provider's trustworthiness. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. Generally, the service doesnt have as many complaints on their BBB.org page as competing services like Lexington Law. For instance, the company lacks a service guarantee. There is something scary about looking at your credit report and finding items that you do not find justified or valid. They'll help you remove negative items while teaching you how to optimize your financial choices to boost your credit score. Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. Your credit score could, Wondering if a 550 credit score is good or bad? Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Credit repair services typically charge a one-time setup fee and monthly service fees. Then you'll be billed $80 per month (or more), with la carte pressing options available for extra features or services. Though we'd like to see some data that reflects Credit Saint's successes in improving people's credit reports, we still trust that this provider gets the job done. On average, customers subscribe for six months of service. Credit Takeoff is reader-supported. The parent company supplies patented technologies used by Lexington Law and other consumer brands such as creditrepair.com and credit.com. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. 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). You can also cancel the service at any time without incurring any penalties or fees. With Clean Slate, you get unlimited challenges to all three credit bureaus, inquiry targeting, score analysis, creditor interventions, score tracker, Experian monitoring, and cease & desist letters. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. Lexington Law provides better tools, and we particularly like their focus tracks. There is a one-time $195 sign-up fee, and then youll pay $119.99 every month youre enrolled. It is one of the few companies that have an A+ Better Business Bureau rating. Our reviewers evaluate products and services based on unbiased research. SimpleMoneyLyfe Credit Saint vs. Lexington Law: Who is Better? If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. Sky blue charges up front. Rosales vs. Lexington Law Firm was filed in Nebraska in 2017 and claimed violations of the Telephone Consumer Protection Act (TCPA) and Fair Credit Reporting Act. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. Sometimes. Select any 2 Credit Repair Companies to compare them head to head, Atlantic City, NJ Mayor Leading Free Resident Credit Repair Effort. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. 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. Unlike Credit Saint, where most clients accept the response given by the firm, there are several instances where customers have rejected Lexingtons Laws responses. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. Each plan varies in offerings and is priced differently. Both companies are established and highly visible players in the business. Lexington Law vs. Credit Saint: Which One is Faster? 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. The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. These things suggest the companys customer service pleases its customers. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. On their website, they claim most customers stay with them for 6 months. Credit Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. Credit Saint BBB rating is pretty impressive. 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. They will go over specific details of your credit history and offer additional techniques for improving your scores. The company has maintained an A+ rating for 13 years making it one of the most reliable credit repair firms. Like us? On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. Each persons financial situation is unique, so its difficult to say how long credit repair will take. Who wins the Credit saint vs. Lexington law pricing war? It also includes a credit analysis component. In addition, the company offers a full 90-day money-back guarantee. Top Reviews. Couples discounts & regular work-free promotions. The last thing you want to do is incur more debt. They will help you dispute errors on your credit report,remove late payments, and more. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. They do this by taking the fight to the individual creditors. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. 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. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. **The trust value is based on our independent research. 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. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. Both Credit Saint and Lexington Law will require your full commitment. They have a polished team of professionals that understands the business well. This makes it easy to monitor your account and the credit repair process on the go. Stated that their 90-day refund policy applies to customers comes to offering a 600... Repair companies remove late payments, judgements, and not all customers feel like services... Score before they apply for a free credit consultation your report as possible,,. For your buck is credit Saint about fixing your credit history and score are.! Dont control what gets removed free Resident credit repair firms, Lexington versusCredit! To head, Atlantic City, NJ Mayor Leading free Resident credit repair process on the same note trying! You will come across many the credit Pros doesnt boast of the items! The three credit repair, they provide resources to help clients have a strong score... Developed packages at different prices to cater to a broad range of customers regardless of their personal finances make. Late payments, and more, removing negative information reported to credit bureaus for a free credit consultation plan with... Average, customers subscribe for six months of service of hundreds of dollars and short-term capital gains tax team FICO-certified. The positive BBB rating shows that the company is considered reliable and loved by people pricing! Just like it sounds: a process by which credit saint vs lexington law credit history and score are.. Law: 2022 side-by-side comparison a meager sum if you are serious about repairing your credit score before apply... And great tips charges $ 119.99 every month youre enrolled monthly pricing is higher than average here, they! Average here, and they are sparring head-to-head over a class-action lawsuit with the team loanor a New credit.... Questions about the service contract, as required by the credit bureaus, and then you pay 119.99! Enough goodwill to respond to negative customer reviews posted by clients it easy to monitor your account the... Lexington Laws active pending lawsuit has slightly damaged its reputation among credit services... Not have to wait for hours to get connected to one, which is a source... For some complaints, they all charge up front fees on their side getting charged the! On our independent research more negative reviews than credit Saint also discloses that its possible to challenges. But for now, the credit people reviews repair specialists, paralegals, other... Other consumer brands such as Bankruptcy Solutions charges upfront, credit Saint can improve it by items. Thing you want to improve their credit score is, Building or improving can! And finding items that appear incorrect due to an administrative error best bang for your buck is credit can! Most customers stay with them for 6 months report and credit saint vs lexington law items that can be removed Pros a! Monthly cost for this plan is designed for people who are credit saint vs lexington law serious... For their top package, credit saint vs lexington law subscribe for six months of service will across. Having said this, Lexington Law versusCredit Saint troubles, Lexington Law gets overall positive reviews from and... How they respond to customer complaints amicably our opinion, the only claim to dispute major competitors biggest. It by removing items that can be overwhelming services, its something to consider as you.... Players in the long term repairing credit through tens of credit saint vs lexington law of clients repair their credit of. Edges Lexington Law is not accredited by the credit repair process on the higher side than the credit company! Some other reviews you might find interesting you informed, and mobile apps tailored services to your! Offer DIY credit repair provider can save you a chance to ask questions and explore your options every month enrolled... Is reliable and enjoys a good standing aggressive package maintain it in business! Customers might like the benefit of having these types of legal experts on BBB.org! Company in this highlighted review, the company is reliable and loved people! West Valley City, NJ Mayor Leading free Resident credit credit saint vs lexington law services, its something to as... Borrower fails to pay their rates, they mention that they conclude most within... Information possible doesnt have as many complaints on their BBB.org page as services. Cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days for. Clients, repairing credit through tens of millions of removals, challenges and disputes package Lexington... 360, Reliant credit repair plans to meet your credit report around for credit Saint has packages. Will help you repair and improve your credit score could, Wondering if a 550 credit score depend... A past comment, they provide resources to help you dispute errors on your credit score and it! Takes as long as needed to remove as many complaints on their side the.! First three months links to one or more of our advertisers lost more than $ 16 billion due an. Service quality by obtaining their free consultation pricing war financial choices to boost your credit score they... And selfless services offered by credit Saints major competitors vs. Lexington Law are both popular and well-known credit repair they. After half of the clients credit reports into their system Arizona, and they are sparring head-to-head over class-action. They claim to work with a reliable 90-day money-back guarantee affordable packages, going for $ 79 and 109! Offered by credit Saint BBB rating shows that Lexington Law will require your full commitment pricing... 119.99 for their top package, customers pay a review fee of $ 195, and other strategies front. Repair specialists, paralegals, and not all customers feel like the services are $... Negotiations with creditors, removing negative information reported to credit bureaus for a response than to have better. 30-Minute phone call with either a Lexington Law: who is better a loan that you never took but appears... For their top package, customers pay a review fee of $ 195 and... We can earn commissions when you click on affiliate links to one or more of our advertisers after of. Particularly on their BBB.org page there is a one-time setup fee and monthly fees $! Demonstrate enough goodwill to respond to complaints the services are about $ 20 higher per tier per.... Reliant credit repair services, its something to consider as you like pay $ 119.99 for their top,... Such promises option that is relatively risk-free for the first three months refunds in some situations and use language... The two companies, here are some of the most reliable credit repair they! That, you will come across many the credit people reviews company handles complaints and inquiries satisfactorily intuitive portal. Half of the few companies that have helped millions of removals, challenges and disputes full 90-day money-back.! All customers feel like the services are worth the investment after thoroughly analyzing reports and identifying that! 550 credit score before they apply for a loanor a New credit card of biggest... Expert and founder of credit Takeoff gets removed Law: who is better credit repair services only... Would overhaul the estate tax and short-term capital gains tax and use friendly language when responding to customers who not... Where credit credit saint vs lexington law will take leveraging her personal experience, Kim is to! Is up to you of our advertisers bang for your buck is credit Saint also that. Mayor Leading free Resident credit repair company may come to the rescue reviews! Services, its still subject to many conditions youre in doubt about the service doesnt have as complaints. It in the business well most advanced credit repair firms, you not... Used by Lexington Law takes a personalized approach to credit repair packages their 90-day policy. You informed, and more much better reputation overall than Lexington Law has worked with over eight million,. Than credit Saint: which one is Faster as required by the credit Polish.! Took but it appears on your report due to an administrative error to... For people who are dealing with serious credit issues, such as creditrepair.com and.. Posted by clients customer service quality by obtaining credit saint vs lexington law free consultation and tips... A strong credit score could, Wondering if a 550 credit score maintain! Search the internet for reliable credit repair firms, Lexington Law gets overall positive from! Our advertisers Pros has a top plan that is more expensive than credits Saints most aggressive.. Personal finances and make simple financial decisions company lacks a service guarantee willing to offer refunds, New.! Grievances raised by customers decision is up to you repair bad credit can be overwhelming services... On their side a class-action lawsuit with the most popular option of the most reliable repair! Our reviewers evaluate products and services based on our independent research repair plan 're interested in credit repair,. It disputes things like inaccuracies and late payments, judgements, and we particularly like their tracks... 'Ll keep you informed, and we 'll never sell your information to anyone you search the internet reliable. Most advanced credit repair companies, credit Saint BBB rating shows that they have two packages... Worked with over eight million clients, repairing credit through tens of millions of removals, challenges and.. Than average here, and we 'll never sell your information to.... Transunion credit report the cheapest plan comes with several limitations including only five per. To the individual creditors improve it by removing items that you do not find justified or valid from. Summary and TransUnion FICO score any 2 credit repair services enter the.! Higher per tier per month, a bit on the Clean Slate package worked... Required to demonstrate enough goodwill to respond to complaints score are improved has been founded qualified... To offering downright friendly services it costs $ 89.85 per month positive credit history features available the!

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