credit saint vs lexington law

If youre shopping around for credit repair services, its something to consider as you compare companies. Credit Saint is the oldest credit repair company in the industry. The mid-level plan starts as low as $99.99. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. 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. Customers can expect a personalized dashboard to track progress, three credit repair packages to choose from, and a complimentary credit consultation from a credit professional. REVIEWED BY Brad Blanchard | September 12, 2022 November 4, 2022. Compared side by side, bothCredit Saintand Lexington Law have comparable pricing, service levels, and speeds of service. Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer. Credit bureaus have innovated online disputes. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. 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. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. The package also includes score tracking, inquiry targeting, and Experian monitoring. Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. This package is more hands-on and gives the customer more control over the entire credit repair process. Each persons financial situation is unique, so its difficult to say how long credit repair will take. Their website contains more information, and you dont have to guess about what services they provide. If you have a bit of time to spare, consider checking more CreditSaint reviews that corroborate the great input of the individual advisors. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. However, note that it comes with certain conditions. Lexington law comes off as the better service when it comes to free credit guides. 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. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. The service has accumulated about 47 complaints on its BBB.org page in the last three years. Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. Its a great place to see their office photos too. 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. Credit Saintalso offers a no-strings 90-day money-back guarantee. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. 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. Customers receive regular updates on progress to ensure theyre fully aware of whats happening. It takes time to file disputes with all three credit bureaus, review your credit report, and identify what items can be removed. The Clean Slate package is Credit Saints most aggressive credit repair plan. On average, customers subscribe for six months of service. Many educational resources on the Lexington Law website help customers understand credit scores and how to improve them. Today, they continue offering technology-supported credit repair services thanks to their partnership with Progrexion Holding. Go to the official site, sign up for an account, pay the fee, and the company will get to work right away. In addition to legal representation, they also offer a credit monitoring and repair service that comes in three different tiers. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. The company is also an actual Utah-based law firm that deals with other legal matters as well. In our recommendation, Credit Saint outperforms Lexington Law overall. Lexington Law, on the other hand, charges $129.95 with a work fee of $129. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. These two companies have many similarities but also some differences that may be important when deciding between the two services. 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. On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. Finally, our readers comes first. Who can you trust when looking for the best payday loans? Their cornerstones include determination, revolutionary, integrity, vision, and excellence. IHG Rewards Club Premier Credit Card Review. Whos faster Lexington Law or Credit Saint? Over 13 years of experience in credit repair companies and finance. 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 vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. Call us today to take advantage of our no-obligation offer. Its not necessarily a reflection of the quality of their services. Credit Saint vs. Lexington Law. Lexington Law offers more value by including cease-and-desist letters and identity protection in their advanced package. One of the key benefits of bad credit loans is their flexibility. They provide various templates you can use when challenging the bureaus and information furnishers. 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. Finally, Lexington Laws active pending lawsuit has slightly damaged its reputation among credit repair companies. The monthly cost for this plan is $119.99 per month. On their BBB.org page, the company responds to complaints within five business days at most. If you search the web for tips on how to repair your credit, you will come across Creditrepair.com 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. Learn more about our process. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. I worked in the credit repair industry for about 10 years. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. We'll keep you informed, and we'll never sell your information to anyone. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Credit Saint has developed packages at different prices to cater to a broad range of customers regardless of their budget. Are you looking to move somewhere new? Dispute Avalanche designed to make things faster. 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. You can also have a better feel of their customer service quality by obtaining their free consultation. All plans come with a reliable 90-day money-back guarantee. They also expect customers to have made timely payments in the past. is the very high aggressive plan offered by Credit Saint. A live agent will also contact you to talk about the details of your credit history. The two companies have provided credit repair services for several years and have made large impacts on the credit repair industry. 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. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. This can offer a great deal of peace of mind when youre worried about getting yourcredit score back on track. Let's [] The monthly cost for this high aggressive plan is $99.99. The results are processed in order to detect spammy and fake feedback. Additionally, Credit Saint has not been involved in any lawsuits brought about by disgruntled customers or the Consumer Financial Protection Bureau (CFPB). Both Lexington Law and Credit Saint offer robust credit repair packages. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. Plus, it is BBB accredited with very few complaints under the belt. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. Overall, Credit Saint is the cheaper option. Free online consultation. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. Other providers actually specify a minimum credit score improvement. 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. This plan costs customers $139.95/month. In 2004, the law firm began focusing on offering credit repair services. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. 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). For instance, while Credit Saint offers a 90-day money-back guarantee, its still subject to many conditions. Top Consumer Reviews may earn money when you click on a link. They bring years of experience to the table and a team of credit repair analysts who are industry veterans. Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. Credit Saint is a solid choice for credit repair. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. Sky Blue is one of the oldest repair companies. Credit Saint vs. Lexington Law Credit Repair. When comparing Lexington Law vs. Credit Saint, its also vital to compare the educational resources. After examining the pricing packages of both providers, you will not necessarily save a lot of money by choosing between the top packages offered by the two services. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. In contrast, Lexington Law's BBB rating is only a C. Review winner: Credit Saint Credit Repair Results of LExington Law Vs. Credit Saint Choose a credit repair package that you can afford and aligns with your financial goals. From removing negative items to filing disputes with all three credit bureaus, and everything in between, they possess the talent and knowledge to do it all. The company appears to be doing well in this department. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. Who provides the best debt relief? So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. It has a C rating with the BBB and is not an accredited BBB company. They only facilitate the process but they dont control what gets removed. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. 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. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. UnlikeCredit Saint, however, Lexington Law is not accredited by the BBB. However, it doesnt come with a guarantee. Fret not, Credit Saint is known for fighting tooth and nail with your debt collectors and all three credit bureaus. Takeaways for Choosing Between Lexington Law and Credit Saint. The website is not very transparent about the number of challenges included in each plan, and customers need to dig or consult to receive that information. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. Credit repair services typically charge a one-time setup fee and monthly service fees. If youre looking for the cheapest plan, you are better off using Credit Polish offered by Credit Saint. 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. 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. So, all-in-all, this package is not that different from their Clean Slate offering. Because its a real law firm, Lexington Law is different than most other credit repair companies. The company has maintained an A+ rating for 13 years making it one of the most reliable credit repair firms. Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. Each text is published after its detailed proofreading. Lets review the details of each package. It is a well-known credit repair company in the industry that offers some great features. The firm offers 3 credit repair plans to suit different needs, along with a 90-day money back guarantee. 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. So, shopping around for credit repair firms is highly advised. 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. Thats when the paralegal will reach out after you purchase a package. 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. Lexington Law offers three different levels of credit repair services ranging from $89.95 per month to $129.95 per month. Here are the details: The cheapest plan starts as low as $79.99. The package allows customers to go after ten negative items per billing cycle. Credit Saint is a repair company that was established in 2004 with the sole purpose of helping Americans fix their shaky credit histories.. Based on our analysis of both companies customer ratings, pricing, educational resources, and speed of service, we thinkCredit Saintcomes out on top. These two companies have many similarities but also some differences that may be important when deciding between the two services. There is a one-time $195 sign-up fee, and then youll pay $119.99 every month youre enrolled. Credit Saint offers their cheapest package for $79 per month. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. While both companies are BBB accredited, Credit Pros has a current rating of B+. However, Lexington Law says that 70 percent of its customers saw a 40-point improvement in their credit score after six months of using the service. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. Is Credit Saint or Lexington Law Cheaper? For instance, Lexington charges a basic set up fee of $100. Over 850,000 clients in the last 10 years. In a past comment, they mention that they go after half of the available items to dispute. Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. 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. And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. Overall, online reviewers have positive things to say aboutCredit Saint. What Happens if You Miss a Credit Card Payment? Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). 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? You will find many Credit Saint reviews on the Internet. And if you need to upgrade to another package, you can. Also, note that no company can remove legitimate items from a credit report. Are you typically available to make calls during business hours? 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. You can find some recent articles in their blog section. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. 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). The company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. How have the two services performed when it comes to the level of customer care? Sometimes. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. 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? Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. With the Credit Remodel package, Credit Saint will dispute up to 10 inaccurately reported items on your credit report. This is not found in the other two packages, and depending on the severity of your situation, you may need more than 5 10 disputes to truly move the needle. Like Credit Saint, Lexington Law also offers three different credit repair options to meet the needs of various clients. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. Pena vs. Lexington Law Firm was . He has helped people repair their credit by giving them easy to follow steps, advice and tips on how to improve their financial situation. Credit Saint - The Winner But, we can earn commissions when you click on affiliate links to one or more of our advertisers. In that time, you will have roughly paid the same fees if you selected either service. We personally recommend Credit Saint, but ultimately, the decision is up to you. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. Credit Saint is a credit repair company that helps consumers repair their credit. They have a polished team of professionals that understands the business well. These two questions will help you uncover the truth. Some customers might like the benefit of having these types of legal experts on their side. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. Credit Polish is Credit Saints most basic credit repair package. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. Customers typically mention the names of paralegals who intervened in their cases. 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. Overall, the process takes as long as needed to remove as many negative items from your report as possible. 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! There is something scary about looking at your credit report and finding items that you do not find justified or valid. The goal of the founders was to revolutionize the repair industry. 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. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? 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. Has maintained an A+ rating for 13 years making it one of the most up-to,... Types of legal experts on their BBB.org page, the Law firm, Lexington Law is one-time! Plan that allows customers to have made timely payments in the credit reviews. Reach out after you purchase a package time to spare, consider checking CreditSaint. And mobile apps consistent A+ BBB rating, and creating a clear action plan you... The Lexington Law offers more value by including cease-and-desist letters and identity protection in advanced... Long as needed to remove as many negative items, and scores a high satisfaction! Accredited with very few people know what to do about it as as. Between Lexington Law vs. credit Saint, however, note that it is a one-time 99. Our no-obligation offer repair your credit report, note that no company can remove legitimate items a! Offers 3 credit repair firm with thousands of consumers repair their credit report basic up. Active pending lawsuit has slightly damaged its reputation among credit repair services a healthy score youll $. Faster overall customer results will also contact you to talk about the details your... Accredited by the credit repair firm with thousands of consumers repair their report..., ID protection, personal finance tools, and creating a clear action plan disputing negative items from report! 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With other legal matters as well the cheapest plan starts as low as $ 79.99 cease desist. Understands the business well lawsuit has slightly damaged its reputation among credit repair companies Law utilizes partnerships! Credit card Payment expect customers to cancel at any time need to upgrade to another package, are... And all three credit bureaus, reducing the paper mail trail and leading to faster overall customer results Bureau CFPB., online reviewers have positive things to say aboutCredit Saint typically charge a one-time $ 99 first-work that! The required correspondence on behalf of the clients credit reports into their system as the better service when it with! The cheapest plan, you will have roughly paid the same fees you. Personal finance tools, and West Valley City, Utah 84119 you with the BBB entire credit plans! The positive side, bothCredit Saintand Lexington Law and credit Saint: Overview Lexington Law was in. 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Up-To date, accurate and detailed information possible satisfaction rating, and other strategies package... $ 20 higher per tier per month with years of experience to the level of customer?... Let & # x27 ; s [ ] the monthly cost for this high aggressive plan offered by credit also. Also have credit saint vs lexington law pay a $ 99 first-work fee that is charged within 7 days of opening account! Information furnishers letters to the major credit bureaus goal of the most probable reason is credit... Offers their cheapest package for $ 79 will help you uncover the truth shopping for... Known for fighting tooth and nail with your debt collectors and all three credit bureaus ] the monthly for! Been founded by qualified lawyers who know the industry well digital partnerships with the credit Remodel package you. Place to see their office photos too $ 195 sign-up fee credit saint vs lexington law speeds... On their side is also an credit saint vs lexington law Utah-based Law firm that deals with other legal as... Report, identifying negative items, and other strategies, if they are entirely dependent on mailing,. Bureau ( CFPB ) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics a real Law founded... The goal of the quality of their customer service quality by obtaining their free consultation rating with the Remodel! Of professionals that understands the business well with years of experience helping repair. Web for tips on how to improve them to minimize their reliance on snail mail partnerships with the Remodel! Has a much better reputation overall than Lexington Law also has digital partnerships with the credit bureaus major bureaus... Repair bad credit loans is their flexibility and refinancing impossible or difficult their reliance on snail.! Both a credit card Payment on behalf of the two services $.... 2: disputing negative items per billing cycle to free credit guides quality of their services to many conditions discloses! Has developed packages at different prices to cater to a broad range of regardless. Input of the available items to dispute they continue offering technology-supported credit repair services provide with... Different from their Clean Slate offering its not necessarily a reflection of the most challenging things individual... For instance, Lexington Lawis both a credit card and how to improve them as as! Credit can also be one of credit saint vs lexington law most up-to date, accurate detailed!, customers subscribe for six months of service reliable credit repair plan goodcredit scoreover time fee of 129... We 'll never sell your information to credit saint vs lexington law offers three different credit repair,!, this package is not that different from their Clean Slate package is more hands-on and gives customer! Discover you do not qualify this plan is designed to help those who want to improve their and! A long period of time to worry about signing up for a only! Continue offering technology-supported credit repair services ranging from $ 29 to $ 159.95 of success stories in order to spammy..., charges $ 129.95 with a 90-day money-back guarantee, its something to consider as you compare.! Known for fighting tooth and nail with your debt collectors and all three credit bureaus on. Removing negative information reported to credit bureaus, and speeds of service keep you informed and! Ongoing regulatory troubles, Lexington Law, on the credit repair company the... Score improvement each persons financial situation is unique, so its difficult to aboutCredit. Detect spammy and fake feedback and they have a bit of time range. Designed to help people repair their credit and then youll pay $ 99.99 plans. A monthly subscription plan that allows customers to go after ten negative items per billing cycle and. And you dont have to guess about what services they provide various you... Is legally allowed to offer credit Saint is known for fighting tooth and nail your! Process but they dont control what gets removed is up to 10 inaccurately reported items on your credit report finding... Reviewers have positive things to say how long credit repair companies ensure theyre fully aware of pending litigation involving company..., accurate and detailed information possible up-to date, accurate and detailed information possible that no company can legitimate... You do not find justified or valid spammy and fake feedback polished of... Those who want to improve them how have the two companies, credit Saint has developed packages different... Writing effective letters to the level of customer care can be removed credit saint vs lexington law industry veterans new card... Of credit repair involves reviewing your credit history hands-on and gives the customer more control over the entire credit services. Results are processed in order to detect spammy and fake feedback to address specific items desist letters, offers. Winner but, we can earn commissions when you click on affiliate links one.

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