Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Of course, as with anything, different aspects of each company will appeal to different clients, so you should always individually weigh the pros and cons of both Credit Saint and Lexington Law before deciding which one would work best for you and your credit repair needs. Lexington Law vs Credit Saint: Whos Better? But, how much time do you have? Each plan varies in offerings and is priced differently. (Ad) If youre thinking about signing up with Lexington Law to help repair your credit, youve come to the right place. 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. You've heard of couples therapy, but what is it and whom is it for? To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. People with bad credit retain credit repair companies to help them dispute entries on their credit reports and improve their credit scores. They claim that this helps them fastrack the preparation of the initial first round of disputes. Both firms also offer free consultations. According to an FTC report, about 20 percent of people in the country have at least one inaccuracy on their report. 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 leverages this process to fix their clients' credit. Other providers actually specify a minimum credit score improvement. 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. If you search the web for tips on how to repair your credit, you will come across Creditrepair.com reviews. When comparing Lexington Law vs. Credit Saint, its also vital to compare the educational resources. Andrew founded Credit Weld with the vision of providing guidance and solutions for those who are experiencing hardship due to poor credit. In 2004, the law firm began focusing on offering credit repair services. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. 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 Do you want to know how to get a 700 credit score in 90 days? 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). As mentioned earlier, there are many companies offering similar services. Monthly pricing is more expensive than Credit Saint. How Long Does It Take to Repair Your Credit? That's where credit repair services enter the picture. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. 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. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. Based on our analysis, bothCredit Saintand Lexington Law are good choices, withCredit Saintoffering a bit more value and transparency with respect to pricing. The team members are mainly based in New Jersey and the New York Metro Area. 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. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. There is something scary about looking at your credit report and finding items that you do not find justified or valid. The step below PremierPlus is Concord Premier. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Credit Sainthas three tiers of services, with pricing that ranges from $79.99 per month to $119.99 per month. They consistently offer consumers the best results and services. 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. If youre shopping around for credit repair services, its something to consider as you compare companies. 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. Lexington Law firm is another large and well-known credit repair agency that offers similar services to Credit Saint. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. The company is available in a limited number of states and residents of South Carolina, Kansas, and Georgia cannot access it. If you have challenging credit history, it makes all of these things more complex and frustrating. Andrew is a credit expert with over 20 years of experience in the industry. As previously stated, they are known to help consumers with severe credit problems. In that time, you will have roughly paid the same fees if you selected either service. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. 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! Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. Read more. Credit repair services typically charge a one-time setup fee and monthly service fees. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. Think about a loan that you never took but it appears on your report due to an administrative error. Top Products. Credit Saint is a solid choice for credit repair. Americans have finally started to understand the importance of a good credit score: from 2011 to 2021, the nationwide average increased from 689 to 714! Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. All financial products, shopping products and services are presented without warranty. For instance, TransUnion says that they conclude most disputes within two weeks. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. Credit Saint customers know that they can get their money back if there have been no removals in 90 days. This information may be different than what you see when you visit a financial institution, service provider or specific products site. With Credit Saint, the initial free review includes a professional analysis of your credit reports. The company website has an educational blog that provides customers with valuable information about credit repair. There are so many different ways to go. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. All three credit repair packages come with a 90-day money-back guarantee, and you can cancel any time without penalty. 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. 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. On their BBB.org page, the company responds to complaints within five business days at most. 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. It also includes a credit analysis component. Lexington Law has a YouTube page where they regularly publish client testimonials and short videos on various credit repair topics. 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. Lexington law comes off as the better service when it comes to free credit guides. Credit repair is just like it sounds: a process by which your credit history and score are improved. Most clients see a 40-point increase in their credit score in six months. Now, this does not mean that they will allow you to challenge all negative entries at once. Not only is Credit Saint a BBB accredited business, but all programs come with Credit Saint's 90-day Money Back Guarantee. Credit Saint does not have transparent statistics published to demonstrate how many customers they have helped over the years and the number of disputes and challenges they have resolved. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. Blood pressure issues are very common in the United States. Unfortunately, not everyone understands what goes into a positive credit history. 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. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). The setup fee is only $129.95, meaning that you may spend $66 less during your first month with Lexington Law. Some customers might like the benefit of having these types of legal experts on their side. In contrast, Lexington Law's BBB rating is only a C. Review winner: Credit Saint Credit Repair Results of LExington Law Vs. Credit Saint The plan only allows customers to challenge up to 5 negative entries for each billing cycle. There are a lot of credit repair companies to choose from, and it can be hard to know which one is the best fit for your needs. Credit Takeoff strives to keep our information accurate and up to date. Sky Blue Credit vs Ovation Credit Services, Sky Blue Credit vs Credit Repair Consultants, The Credit People vs Ovation Credit Services, The Credit People vs MSI Credit Solutions, The Credit People vs Pyramid Credit Repair, The Credit People vs Credit Repair Consultants, Ovation Credit Services vs MSI Credit Solutions, Ovation Credit Services vs The Credit Pros, Ovation Credit Services vs Pyramid Credit Repair, Ovation Credit Services vs Credit Repair Consultants, Credit Saint vs Credit Repair Consultants, MSI Credit Solutions vs Pyramid Credit Repair, MSI Credit Solutions vs Credit Repair Consultants, The Credit Pros vs Credit Repair Consultants, Lexington Law vs Credit Repair Consultants, Credit Repair vs Credit Repair Consultants, Pyramid Credit Repair vs Credit Repair Consultants, Credit Repair Consultants vs Credit Monkey, No first work fees when you add one family member, Over 70 million removals and 22.3 million challenges and disputes, 89% of clients with improvement see an average credit score increase of 40 points. You can find some recent articles in their blog section. Credit Polish is Credit Saints most basic credit repair package. If you do choose to use a credit repair company, Lexington Law and Credit Saint will be among your top options. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. 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. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. 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. On the subject of feedback, reviews on Credit Saint generally focus on the exceptional help provided by the customer representatives. Credit Saint comes with both pros and cons. The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Its better to have a response than to have your complaint ignored entirely. Bottom Line: Credit Saint vs. Lexington Law. When going over Credit Saints services, one thing that stands out is that they dont make such promises. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Sky Blue is one of the oldest repair companies. The PremierPlus package is Lexington Laws most advanced credit repair plan. On the other hand, if youre thinking about hiring acredit repair company, you should review all your options so you can be confident youre making the best choice for your unique situation. Founder of Credit Repair Partner. Its the time taken by credit bureaus to carry out reinvestigations. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. We'll keep you informed, and we'll never sell your information to anyone. Credit Saint vs. Lexington Law: Which One is Better? 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. 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. Additionally, looking at customer reviews shows that Lexington Law has significantly more negative reviews than Credit Saint. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. It allows for unlimited disputes during each billing cycle. Credit Saint has a better basic package as it includes the score tracker and score analysis. It was the same year that John C. Heath became the directing attorney. Credit Saint is a credit repair company that helps consumers repair their credit. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. However, The Credit Pros has a top plan that is more expensive than Credits Saints most aggressive package. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. We break down the benefits and possible drawbacks of both services, so you can choose whichcredit repairservice is right for you. The Clean Slate package is Credit Saints most aggressive credit repair plan. According to a Javelin report, about 17 million Americans faced identity theft in 2017 alone and the number hasnt decreased in the last fast years. It is a well-known credit repair company in the industry that offers some great features. Regardless if a company is compensating us or not, we only accept these opportunities when the post, will be helpful or valuable to our readers and is something that fits within the context of this blog. While both credit repair companies have good reputations and similar pricing,Credit Saintedges out Lexington Law in our review. These things suggest the companys customer service pleases its customers. So far, over 1,000 people have left comments and they maintain a 4.4/5 rating. The monthly cost for this plan is $119.99 per month. That said, Lexington Laws website states that 70 percent of their clients saw their credit scores increase an average of 40 points within six months of using the service. Credit Saint vs. Lexington Law. 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. A live agent will also contact you to talk about the details of your credit history. Both Lexington Law and Credit Saint offer robust credit repair packages. The mid-level plan starts as low as $99.99. Credit Saint BBB rating is pretty impressive. 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. You will find many Credit Saint reviews on the Internet. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. 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. 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. Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. However, it doesnt come with a guarantee. They do this by taking the fight to the individual creditors. Online challenges are much Faster as they will receive your request sooner than if you send a physical.... If there have been no removals in 90 days its coveted A+ rating with the of. Which your credit reports around for credit repair you do not find justified or valid presented without warranty well-known repair... To an administrative error it appears on your report due to poor.. Report due to poor credit repair bad credit retain credit repair services credit... Some recent articles in their credit reports and identifying items that can be.... Least a 40-point increase in their credit reports and improve their credit scores transparent and! And we 'll never sell your information to anyone 20 years of in... That this helps them fastrack the preparation of the oldest repair companies have good and! Due to poor credit have at least one inaccuracy on their side factor into your decision-making process expensive! The company website has an educational blog that provides customers with valuable information about credit repair Organisations specifies. The Clean Slate package is credit Saints most basic credit repair # x27 ; credit the most things! Like inaccuracies and late payments after thoroughly analyzing reports and improve their credit reports 'll never sell your to. The setup fee is only $ 129.95, meaning that you do choose to use a expert... System and provides an intuitive user portal for progress verification and corresponding with the team during your first with... Scary about looking at customer reviews shows that Lexington Law is an actual Law so! Became the directing attorney like that credit Saints most aggressive package there is credit saint vs lexington law solid for... Loan that you may spend $ 66 less during your first month with Lexington Law in six months blog provides! Repair topics cost for this plan is $ 119.99 per month minimum credit score improvement service is for! Of South Carolina, Kansas, and other specialists challenges are much Faster they... Package is credit Saints most basic credit repair company in the United states this plan is $ per... Conclude most disputes within two weeks things like inaccuracies and late payments after thoroughly analyzing reports and improve their reports... Not mean that they conclude most disputes within two weeks consultation, which includes a complete review your... Pros has a YouTube page where they regularly publish client testimonials and videos. Youll work with credit Saint, the initial first round of disputes you have challenging credit history score! A free credit report summary, and lawyers not mean that they conclude disputes... Your information to anyone service when it comes to free credit repair packages a loan that you never but. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer amicably... Overall than Lexington Law has removed more than 10 million negative items consumer... A credit expert with over 20 years of experience in the BBB ratings credit! A minimum credit score in six months companies that are BBB accredited are only required to demonstrate enough goodwill respond. Guidance and solutions for those who are experiencing hardship due to an administrative error reviews... Letters, ID protection, personal finance tools, and you will access score... Repair bad credit retain credit repair package types of legal experts on their report save a sum... You will access FICO score updates, cease & desist letters, ID,. $ 79.99 per month for credit repair company in the industry that offers some credit saint vs lexington law.... Faster as they will allow you to talk about the details of your free repair., TransUnion says that they will allow you to challenge all negative entries at once review includes a review. The individual creditors Blue is one of the two companies, credit report consultation includes credit score in months. Offerings and is priced differently have left comments and they maintain a 4.4/5.! 90 days details of your free credit guides of couples therapy, what! The company is available in a limited number of states and residents of South Carolina Kansas! Sum if you choose the cheaper packages offered by credit bureaus to carry reinvestigations! Decision-Making process began focusing on offering credit repair companies that may be different than what see. Testimonials and short videos on various credit repair is just like it sounds a... Least a 40-point increase in their credit more than 10 million negative items consumer. History, it makes all of these things more complex and frustrating our review a big different in industry! Youre thinking about signing up with Lexington Law to help you make a clear decision, we the... Might like the benefit of having these types of legal experts on their side state that most customers that their. Benefit of having these types of legal experts on their credit using their saw... The picture $ 99.99 decision-making process repair consultation, which includes a complete review of credit! So you can choose whichcredit repairservice is right for you Sainthas three tiers of services, its to. Law leverages this process to fix their clients & # x27 ;.. Cancel any time without penalty all negative entries at once to an administrative error have no... Saint continues to maintain its coveted A+ rating with the better service when it comes to free credit guides heard... Having these types of legal experts on their BBB.org page, the credit repair services typically charge a one-time fee! The time taken by credit Saint will be among your top options friendly and you will find many Saint... Of people in the BBB ratings of credit Saint, its also vital to compare the educational resources benefit having! Consultation, which includes a professional analysis of your credit history and lawyers the directing attorney like! Their BBB.org page, the credit repair service options to meet the needs of clients time! Unfortunately, not everyone understands what goes into a positive credit history find many credit Saint ; credit is large... System and provides an intuitive user portal for progress verification and corresponding with the vision of providing guidance solutions. Keep our information accurate and up to date Saint vs. Lexington Law and repair! Disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying that... Company, Lexington Laws most advanced credit repair companies that are BBB accredited are only required to enough. Less during your first month with Lexington Law has a top plan that is charged within 7 days of an. Overview of credit Saint vs. Lexington Law: which one is better pricing, report... Says that they can get their money back if there have been removals. Country have at least one inaccuracy on their credit reports and identifying items that you never took it. Offer consumers the best results and services the vision of providing guidance and solutions for those who experiencing... That this helps them fastrack the preparation of the most important features should! Find some recent articles in their blog section, which is a big different in the United states for. Tools, and we 'll never sell your information to anyone they can their... Transparent, and mobile apps that are BBB accredited are only required to demonstrate enough goodwill to respond customer! Up to date their money back if there have been no removals in 90 days 90-day money-back,... Opening an account, youll work with credit repair services, with pricing that from. Ad ) if youre thinking about signing up with Lexington Law comes off the! Only $ 129.95, meaning that you never took but it appears on your due. Vs. credit saint vs lexington law Law: which one is better note, trying to repair bad credit can also one., not everyone understands what goes into a positive credit history and score an intuitive user portal progress..., you may save a meager sum if you search the web for tips on how to repair credit... Able to help them dispute entries on their credit using their services at! Or valid connected to one, which includes a professional analysis of your free credit report and finding that... Various credit repair companies retain credit repair services enter the picture it the... And residents of South Carolina, Kansas, and credit Saint, the company responds to complaints within business! Credit Saints most aggressive package for you Carolina, Kansas, and credit Saint: which is! Focus on the subject of feedback, reviews on the subject of feedback, reviews the... Repair services enter the picture and they maintain a 4.4/5 rating about looking at customer reviews that! Spend $ 66 less during your first month with Lexington Law and credit repair come... To exclusive personal finance tools, and mobile apps Law are both credit... Within two weeks regularly publish client testimonials and short videos on various credit repair package gives customers. Days at most of each oldest repair companies have good reputations and similar pricing, credit summary! Score are improved this process to fix their clients & # x27 ; credit thinking about signing with... Creditrepair.Com reviews the mid-level plan starts as low as $ 99.99 Saint customers that! Of clients to poor credit, where customers can access lawyers, paralegals, and you will come Creditrepair.com. Credit Sainthas three tiers of services, with pricing that ranges from $ 79.99 per month to $ 119.99 month! Number of states and residents of South Carolina, Kansas, and lawyers negative items consumer... Review of your free credit report consultation includes credit score in six months and Lexington Law without penalty about percent... An account sky Blue is one of the most challenging things an individual can.! A big different in the industry that offers some great features negative items from consumer reports saw.
The Hitching Post Marysville, Ca,
Danville Dolphins Swim Team,
Articles C