Compared side by side, bothCredit Saintand Lexington Law have comparable pricing, service levels, and speeds of service. While Lexington Law does leverage in-house legal expertise, it is currently facing a class action law suit by the Consumer Financial Protection Bureau (CFPB). Credit Saint customers know that they can get their money back if there have been no removals in 90 days. Lexington Law may be able to help you repair your credit, but keep in mind that federal law prohibits any credit repair company from guaranteeing specific results. The package also includes score tracking, inquiry targeting, and Experian monitoring. It covers the work performed in preparing the first round of disputes. Well find out in this Credit Saint review and answer all questions you may have about the company. Who can you trust when looking for the best payday loans? Pena vs. Lexington Law Firm was . The Clean Slate package is Credit Saints most aggressive credit repair plan. Lexington Law provides better tools, and we particularly like their focus tracks. You also get disputes for bankruptcies and repossessions. It can remove judgments and help improve your credit score. 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). It's no secret that businesses want to know what consumers think. Is Credit Saint a Good Credit Repair Company? Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. 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. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. 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. So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. How Long Does It Take to Repair Your Credit? If you search the web for tips on how to repair your credit, you will come across Creditrepair.com reviews. An achievement that should not go unnoticed. Credit Saint vs. Lexington Law. Which blood pressure supplement is the best? Top 4 Lenders for Bad Credit Loans: Compare Rates and Terms. When conducting this Credit Saint review, we didnt find profiles of their service experts or their qualifications on the main site. Credit repair is just like it sounds: a process by which your credit history and score are improved. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? With this package, they will review your credit report and will provide clear next steps for you to take. In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. Private Dashboard Talk to us as much or as little as you like. The package allows customers to go after ten negative items per billing cycle. 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 They are trailblazers, innovators, and above all, credit experts. This means being in it for the long haul. If we feel this product or service is not to our standards we will not recommend solely due to money. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. Gerald is the founder and editor-in-chief of CreditFixed.com. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. The company is available in a limited number of states and residents of South Carolina, Kansas, and Georgia cannot access it. Credit Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. This team of legal professionals is known for solving the most complex credit problems. For instance, you can check reviews on Credit Saint on Google Reviews. The company is unique because it compromises solicitors with experience in the niche. If you are looking for a good option for a guarantee, Credit Saint offers a 90-day money-back guarantee if it can't remove any items from your credit report within the first 90 days. All plans are flexible with the option to cancel anytime. It was the same year that John C. Heath became the directing attorney. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. The companys LinkedIn profile shows that they have about 43 employees. The company has a 4.4-star average rating across more than 1,100 Google reviews, with the majority of reviewers praising the companys responsiveness, professionalism, and results. It is quick and easy, but dont expect tailored insight or advanced credit repair options. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. Purchases made through links may earn a commission. Here are a few things to keep in mind as you decide: To help you get your finances back on track, TopConsumerReviews.com has evaluated and ranked the most popular credit repair services available today. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. (Ad) If youre thinking about signing up with Lexington Law to help repair your credit, youve come to the right place. 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. But if you have a lot more to spend, you may get more value by choosing Lexington Laws Advanced package. Your credit score could, Wondering if a 550 credit score is good or bad? All Rights Reserved. If you have challenging credit history, it makes all of these things more complex and frustrating. Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law. Are you typically available to make calls during business hours? Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. This plan costs $119.95/month. Disclaimer: We offer completely free content to our users. $600 child tax credit is central to Healeys new tax relief package. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. Are you looking to move somewhere new? The majority of customers are happy with the service. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. 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! If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. 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. Its not necessarily a reflection of the quality of their services. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. Over 13 years of experience in credit repair companies and finance. The company charges a high initial work fee up to 195 cases based on the plan you have selected. Customers are always encouraged to reach out to the company directly. Our reviewers evaluate products and services based on unbiased research. Unlike Credit Saint, where most clients accept the response given by the firm, there are several instances where customers have rejected Lexingtons Laws responses. The 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. It has a C rating with the BBB and is not an accredited BBB company. This shouldnt be considered a drawback since no company in this niche can make such promises. 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. 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. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. If youre looking for straightforward credit repair without a lot of frills and extras, you can probably accomplish your goals with the Concord Standard plan. 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. Lexington Law leverages this process to fix their clients' credit. Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. The setup fee is only $129.95, meaning that you may spend $66 less during your first month with Lexington Law. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. Founded in 2007 by industry leader Ross LaPietra, Credit Saint is a clear leader when it comes to credit repair. The erasing of outdated inquiries from your credit report. Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. 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. This process takes time, and you certainly do not want to take a shortcut. On the other hand, Lexington Law is quite vague about the speed of their service. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. However, note that it comes with certain conditions. These tools will help you pay off your debt and budget your money. Credit Saint edges Lexington Law when it comes to offering downright friendly services. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. Credit Saint also begins its repair process within 48 hours. Stay clear of any firms that may be making wild claims, such as the ability to boost your scores by 100 points in two weeks. And if you need to upgrade to another package, you can. The company is also an actual Utah-based law firm that deals with other legal matters as well. Sky blue charges up front. In our recommendation, Credit Saint outperforms Lexington Law overall. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. However, with so many companies on the market, it can be hard to decide which direction to take. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. Over 850,000 clients in the last 10 years. It all comes down to reputation. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. In this highlighted review, the client complained about not seeing any removal but getting charged for the service. We may receive compensation (at no cost to you) when you click on links to those products. If you are working to repair your credit, youve likely spent extensive time trying to. This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. Credit Takeoff strives to keep our information accurate and up to date. Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. Citi is an advertising partner. But, how much time do you have? The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. There is something scary about looking at your credit report and finding items that you do not find justified or valid. They also offer a 90-day money-back guarantee if you do not see any questionable items removed from your credit report during that time. SimpleMoneyLyfe Credit Saint vs. Lexington Law: Who is Better? Choose a credit repair package that you can afford and aligns with your financial goals. Here is what is included: This package does not include tailored cease and desist letters, personal finance tools, or the helpful FICO Score Tracker. 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. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. One of the best ways to compare Lexington Law and Sky Blue is to look at their pricing and packages. Where can you find the best online couples therapy? Money.com ranked it as the top credit repair company. 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 agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. 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. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. Yes, Credit Saint is a legal company offering services in most parts of the country. In addition, they provide resources to help you repair and improve your credit score and maintain it in the long term. Having said this, Lexington Law still takes time to respond to complaints. Go to the official site, sign up for an account, pay the fee, and the company will get to work right away. Select any 2 Credit Repair Companies to compare them head to head, Atlantic City, NJ Mayor Leading Free Resident Credit Repair Effort. gives customers the benefits of the lower-level services and TransUnion FICO score, lost wallet protection, a Personal Finance Manager, and Junk Mail Reducer service. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. This is one of the biggest misconceptions with the credit repair industry. Lexington Law firm is another large and well-known credit repair agency that offers similar services to Credit Saint. Since that time, they've opened offices in 17 states and become licensed in most of the rest. Sometimes. Lexington Law is one of Credit Saints major competitors. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. #1 CreditRepair.com. Well, there are no significant differences. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. They have two affordable packages, going for $79 and $109 per month. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. However, The Credit Pros has a top plan that is more expensive than Credits Saints most aggressive package. From here, you can get status updates, progress reports, and other information about your account and your credit. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. With that said, Lexington Law is still a noteworthy credit repair firm, but it is best to shop around and see what other options are available. This implies they will send out a new round of credit report disputes every 45-days. These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. How Long Does It Take to Repair Your Credit? 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). This means you will get your money back if the company fails to remove any inaccurate items from your report within 90 days of signing up. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. Unfortunately, live chat is not available right now but you can get in touch with the team via email or the ticketing system or phone that is available 5 days a week. On the positive side, the company provides full support to clients and offers tips on how they can improve their credit rating. On average, customers subscribe for six months of service. Lets get started: Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. Is Credit Saint or Lexington Law Cheaper? They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. If you're behind on your tax payments or have past years where you didn't even file a return, you probably feel the pressure mounting. May get more value by choosing Lexington Laws website, it helped peopleremove 10 million negative items that wanted. Wondering if a 550 credit score could, Wondering if a 550 credit score before they apply for a a... Letters appealing for the best online couples therapy that have helped millions of clients repair their credit score, Saint! Customers can access lawyers, paralegals, and Georgia can not access it more! The credit Pros has a C rating with the credit repair is just like it:... Companies, here are some other reviews you might find interesting the firm will not help in disputing hard.... 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