Consistently ranked as the top service on finance sites, Offers unlimited challenges per dispute cycle, Free non-obligatory credit repair consultation, Tailors services and disputes to each situation, 90-day refund policy means a worry-free service, Offers education on other ways to optimize scores, Intuitive dashboard for tracking challenges, Responds to complaints with care and attention. Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. It has a company mobile app (Apple and Android) where you can monitor account progress from the convenience of your phone. This is one of the biggest misconceptions with the credit repair industry. It takes time to file disputes with all three credit bureaus, review your credit report, and identify what items can be removed. Most clients see a 40-point increase in their credit score in six months. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Credit Saint works in 45-day cycles. Well find out in this Credit Saint review and answer all questions you may have about the company. The two companies have provided credit repair services for several years and have made large impacts on the credit repair industry. It has a C rating with the BBB and is not an accredited BBB company. Your credit score even directly impacts the cost of your New Jersey auto insurance. Most of the actions taken on your behalf by a credit repair service can be done on your own. Hiring a credit repair provider can save you a significant amount of time and hassle. All three packages come with a $99.00 initial work fee that you pay upfront once in addition to the monthly fee. Choose which one will help you the most. 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. For a credit repair company, Credit Saint has a low number of customer complaints and even many positive customer reviews, which is something not generally seen among credit repair companies. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. All plans come with a reliable 90-day money-back guarantee. 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. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. If you are working to repair your credit, youve likely spent extensive time trying to. The Credit Pros Review: Best Credit Repair Company? This plan costs customers $139.95/month. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. Who provides the best debt relief? They are not accredited and have a C rating. All of us feel a little overwhelmed sometimes, and it's nice to have support when times are rough. Overall, online reviewers have positive things to say aboutCredit Saint. is the very high aggressive plan offered by Credit Saint. You know your credit situation better than anyone else, so take this decision seriously. Credit Saints cost is justified by its amazing features, including the reliable money-back guarantee. They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. Credit Saint has made strides in addressing its content gap this year. Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. It also enjoys anA ratingfrom the Better Business Bureau (BBB) and its one of a handful of credit repair companies accredited by the BBB. Every day, credit reports are pulled by companies and assessed as ways of determining eligibility for mortgages, credit cards, car loans, and many other financial situations. We were curious how these negative CreditSaint.com reviews were handled. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. Over 850,000 clients in the last 10 years. 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 wrong loan and credit card balances listed. Customers also lose access to Experian monitoring features. Lexington Law firm is another large and well-known credit repair agency that offers similar services to Credit Saint. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Both brands have built up a loyal following and have good reviews on TrustPilot. Making it possible to keep tabs on your FICO rating as well as your scores from other reporting bureaus using credit monitoring services. These two companies have many similarities but also some differences that may be important when deciding between the two services. Like we said earlier, repairing your credit is a long process. Disclaimer: We offer completely free content to our users. 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. Regarding customer service, Lexington Law has many more complaints lodged against them than Credit Saint does. Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. Both Credit Saint and Lexington Law charge customers a fee each month for their services. The law firm will provide your TransUnion credit report summary and Transunion FICO score. in-depth review of Lexington Law, click here. Where can you find the best online couples therapy? In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. 250 Pehle Ave #200, Saddle Brook, NJ 07663, United States. 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 Get started today with a FREE credit consultation. Lexington Law, on the other hand, charges $129.95 with a work fee of $129. People with bad credit retain credit repair companies to help them dispute entries on their credit reports and improve their credit scores. BothCredit Saintand Lexington Law offer three pricing levels with comparable costs at each level of service. Lexington Law offers three different levels of credit repair services ranging from $89.95 per month to $129.95 per month. With the Credit Remodel package, Credit Saint will dispute up to 10 inaccurately reported items on your credit report. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. They claim that this helps them fastrack the preparation of the initial first round of disputes. However, it doesnt come with a guarantee. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Your credit score could, Wondering if a 550 credit score is good or bad? Each persons financial situation is unique, so its difficult to say how long credit repair will take. For instance, their latest review on Google is from a customer who expressed that the support rep showed great empathy and explained the whole process of signing up. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. Now, what features do you get? Credit Saintand Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. If you are serious about repairing your credit, it makes a good option that is relatively risk-free for the first three months. Credit Saint BBB rating shows that the company is reliable and loved by people. For instance, you can check reviews on Credit Saint on Google Reviews. Credit Saint comes with both pros and cons. Credit Saint operates on a 45-day dispute cycle. The online dashboard allows customers to track the progress of their credit repair. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt. How Long Does the Process Take? It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. The first step with any credit repair service will likely involve a thorough review of your credit report. This means being in it for the long haul. Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. So which one offers the best credit repair services? 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. Where can you find the best Moving Company? While Credit Saint's most basic package option starts at $79.99 per month, Lexington Law's lowest service level starts at $89.85 per month. 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! Both Credit Saint and Lexington Law are two of the best credit repair companies in the United States. Credit Saint is a repair company that was established in 2004 with the sole purpose of helping Americans fix their shaky credit histories.. Here is what is included: This package does not include tailored cease and desist letters, personal finance tools, or the helpful FICO Score Tracker. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. Not many people are fully aware of what credit repair firms do or why they need to hire one. This plan costs $119.95/month. The company utilizes automated systems to boost its workflow efficiency and strives to offer the best value. Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer. This means they will send out a new round of credit report disputes every 45-days. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. The main office is in Mahwah, New Jersey. Couples discounts & regular work-free promotions. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. Read more. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. Lexington Law. Credit Saint is a credit repair company that helps consumers repair their credit. If youre considering a credit repair service, its important to take positive and negative reviews as a whole before you make a decision. 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. Both plans provide score analysis, credit report updates, and inquiry targeting. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. Lexington Law vs. Credit Saint: Which One is Faster? 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). Now that said, Credit Saint is accredited and has an A- rating. You can find some recent articles in their blog section. Free online consultation. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. 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. Lexington Law is not accredited by the Better Business Bureau. 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. Sky Blue is one of the oldest repair companies. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. 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 personally recommend Credit Saint, but ultimately, the decision is up to you. Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. However, there are a few things consumers should know. The Lexington Law firm provides three pricing options: Compared to Credit Saints Clean Slate plan, the Advanced plan certainly has more features, and its only going to cost you $129.95, about $10 more. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. For consumers, Credit Saint is the cheaper option. You can also compare Credit Saint vs Lexington Law by exploring all of the top credit repair services. A live agent will also contact you to talk about the details of your credit history. However, the biggest takeaway with this package is unlimited disputes. On the other hand, Credit Saint has not been specific about its use of electronic disputes. 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! The positive BBB rating of Credit Saint suggests that the company has good customer service and handles complaints and inquiries satisfactorily. Is Credit Saint or Lexington Law Cheaper? During the session with a rep, ask all pressing questions about repairing bad credit and errors. Andrew founded Credit Weld with the vision of providing guidance and solutions for those who are experiencing hardship due to poor credit. They will go over specific details of your credit history and offer additional techniques for improving your scores. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. Credit bureaus have innovated online disputes. The Clean Slate package is Credit Saints most aggressive credit repair plan. Sometimes. Our reviewers evaluate products and services based on unbiased research. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. 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. Think about a loan that you never took but it appears on your report due to an administrative error. On the other hand, the company appears to address each negative review, which is a positive sign. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). All Rights Reserved. Top Consumer Reviews may earn money when you click on a link. Private Dashboard Talk to us as much or as little as you like. Late payments, applying for multiple credit cards in a short period of time, or even problems with mistaken identity can all lead to a less-than-excellent credit profile. Both Lexington Law and Credit Saint offer robust credit repair packages. Credit Saintgets to work right away on your account, so its possible to see positive results within a month or so depending on your situation and the number of negative items on your credit report. Unfortunately, Credit Saint does not have a robust blog on its website; however, that is changing according to our research. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Keep in mind that laws prevent any company that repairs credit from guaranteeing customers that they will see specific results as every credit repair situation is different, and various factors determine results. It covers the work performed in preparing the first round of disputes. These errors can impact your score and lead to issues in the future. Top Products. The PremierPlus package is Lexington Laws most advanced credit repair plan. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. Follow us! Credit repair involves identifying issues with your credit report, Our Ovation Credit review 2022 reaffirms the companys commitment to personalized credit repair. Moreover, this firm is applauded by previous customers who highlight Credit Saints transparent operation and commitment to results. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. No clear statistics about how many challenges and deletions theyve successfully entered through the years to improve or repair peoples credit. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. They only facilitate the process but they dont control what gets removed. 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. Top Reviews. 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. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. They also have mobile apps for easier progress tracking. While we pickCredit Saint, its a close call, and Lexington Law is a respectablecredit repaircompany with a long history of helping people fix their credit. Customers also like tracking their results and always seeing where they are in the credit repair process. On the positive side, the company provides full support to clients and offers tips on how they can improve their credit rating. Some customers might like the benefit of having these types of legal experts on their side. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. This team of legal professionals is known for solving the most complex credit problems. This process takes time, and you certainly do not want to take a shortcut. This implies they will send out a new round of credit report disputes every 45-days. (2023). So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. Yes, Credit Saint is a legal company offering services in most parts of the country. Note that bbb.org is not the primary channel for raising or addressing complaints. Many educational resources on the Lexington Law website help customers understand credit scores and how to improve them. 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. The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. 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. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. I love, helping people become smarter about their credit and finances. You will find many Credit Saint reviews on the Internet. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. For instance, you can download a 609 letter and pay-for-delete letter template. For instance, Lexington charges a basic set up fee of $100. 8.2 million removals and 26+ million challenges and disputes since 2012. Creditrepair.com maintains an advantage when it comes to tools and technology. IHG Rewards Club Premier Credit Card Review. Are you looking to move somewhere new? Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. It leverages digital partnerships to facilitate electronic disputes and provides personal finance tools in its mobile app. How have the two services performed when it comes to the level of customer care? These are things to consider as you begin to repair your credit. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. While it doesnt always work, there is still a chance of success. Credit repair services typically charge a one-time setup fee and monthly service fees. This is said to be one of Credit Saints most popular plans and it comes with the following features: People who spend a lot can consider this plan as it is the companys most expensive plan starting at $119.99 a month. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. But make sure that you are reviewing companies that provide an equivalent level of service. The step below PremierPlus is Concord Premier. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. Purchases made through links may earn a commission. We'll keep you informed, and we'll never sell your information to anyone. Other providers actually specify a minimum credit score improvement. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. Credit Saint - The Winner Let's [] Additionally, Concord Premier will not help you with identity theft. Lexington Law vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. Before making a decision about a credit repair service, its a good idea to read through the positive and negative reviews so you can get a feel for the pros and cons of each service. Whos faster Lexington Law or Credit Saint? Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. Elsewhere, both companies get generally favorable reviews from former and current clients. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. 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. Now, this is not a high-stakes choice. 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