We break down the benefits and possible drawbacks of both services, so you can choose whichcredit repairservice is right for you. You can trust that when you read any article on Credit Weld, the interest of the reader comes first and the information provided leads to one goal: Improving your credit for life. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. These two companies have many similarities but also some differences that may be important when deciding between the two services. Although both companies have remained in business for a long time, are well-known, and have served many clients, deciding which one to use is a matter of personal preference. You will find many Credit Saint reviews on the Internet. Credit Saintis more transparent about its enrollment fees, whereas Lexington Law makes it difficult to know exactly how much youll pay for a first work fee when you sign up for services. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. Now, lets compare some key features of the best credit repair services: From this overview, you may have gathered that both services offer similar pricing plans. And let me be crystal clear, this package is loaded with features not included in the other two offerings. Customers typically mention the names of paralegals who intervened in their cases. Together, they have helped thousands of consumers repair their credit and clean up their credit report. The setup fee is only $129.95, meaning that you may spend $66 less during your first month with Lexington Law. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. 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. The service has accumulated about 47 complaints on its BBB.org page in the last three years. Most credit repair services offer a free consultation, to determine if you're eligible for their help and which approach to take in your specific case. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. Credit Saint offers a 90-day money-back guarantee, while The Credit Pros doesnt make any refund promises. In a crowded market, it is hard for consumers to choose a credit repair company. 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. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. He also stated that he didnt leave a 5-star rating because the company kept asking for verification, which he said that he had already done. You will need to talk to the agents if you wish to cancel your plan or ask for a refund. Credit Saint customers know that they can get their money back if there have been no removals in 90 days. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. Which paid survey companies are the best? The parent company supplies patented technologies used by Lexington Law and other consumer brands such as creditrepair.com and credit.com. Yes, Credit Saint is a legal company offering services in most parts of the country. It includes all of the services of the other plans but also adds the value of unlimited challenges to the three credit bureaus. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. Choose a credit repair package that you can afford and aligns with your financial goals. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. It is quick and easy, but dont expect tailored insight or advanced credit repair options. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. It is a well-known credit repair company in the industry that offers some great features. For instance, TransUnion says that they conclude most disputes within two weeks. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. And if you need to upgrade to another package, you can. You can choose from three plans. And this gives you a chance to ask questions and explore your options. Is Credit Saint a Good Credit Repair Company? REVIEWED BY Brad Blanchard | September 12, 2022 November 4, 2022. All plans come with a reliable 90-day money-back guarantee. This implies they will send out a new round of credit report disputes every 45-days. 2019 - 2023 SimpleMoneyLyfe LLC. 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. Most clients see a 40-point increase in their credit score in six months. Although many individuals attempt to do this task themselves, using a reputable credit repair service can relieve some of the stress associated with the process. Credit Saint offers their cheapest package for $79 per month. The companys LinkedIn profile shows that they have about 43 employees. This plan costs $119.95/month. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. A lot of companies in 2022 promise to Disclaimer: We provide free content for our users. But if you are serious about repairing your credit, then you need to approach this situation with a long-term mindset. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. This information may be different than what you see when you visit a financial institution, service provider or specific products site. These are things to consider as you begin to repair your credit. 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. Both companies are established and highly visible players in the business. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. Credit Saint and Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. The company goes beyond the scope of a traditional credit repair services provider by offering excellent resources and free consultation, which can be a great way to get started. 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. Both plans provide score analysis, credit report updates, and inquiry targeting. A 550 credit score is, Building or improving credit can be overwhelming. Actually, their cheapest and most expensive plans differ by about $10. Credit Saint has a 45-day repair cycle. The step below PremierPlus is Concord Premier. Also, note that no company can remove legitimate items from a credit report. 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 trust value is based on our independent research. 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. Credit Saint operates on a 45-day dispute cycle. The goal of the founders was to revolutionize the repair industry. This is comparable to other credit repair services, and we like that Lexington Law offers a range of service levels designed to accommodate all budgets. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. In that time, you will have roughly paid the same fees if you selected either service. The company website has an educational blog that provides customers with valuable information about credit repair. By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. Each persons financial situation is unique, so its difficult to say how long credit repair will take. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. If you are working to repair your credit, youve likely spent extensive time trying to. Based out of New Jersey, Credit Saint has been in business for over 15 years and has a BBB rating of A. This strong rating means they are a reliable and trustworthy company. The platform lags behind in terms of tech and tools. How does this package stack up to Credit Saints Credit Remodel package? They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. Both Credit Saint and Lexington Law will require your full commitment. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. There are many credit repair firms out there and if you search for the best credit repair companies, you will definitely come across Credit Saint credit repair. It was the same year that John C. Heath became the directing attorney. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. Both Credit Saint and Lexington Law are two of the best credit repair companies in the United States. Free consultation and 90-day money-back guarantee. Opinions expressed on this site are the authors alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. So, all-in-all, this package is not that different from their Clean Slate offering. It has a company mobile app (Apple and Android) where you can monitor account progress from the convenience of your phone. Top Reviews. On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. For some complaints, they were willing to offer refunds. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. This engagement demonstrates that they do care about addressing concerns and remedying issues. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. Lexington Law provides better tools, and we particularly like their focus tracks. Fraudulent accounts opened under your credit by someone else. We were curious how these negative CreditSaint.com reviews were handled. Couples discounts & regular work-free promotions. Credit Saintalso offers a no-strings 90-day money-back guarantee. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Clean Slate Credit Sainthas three tiers of services, with pricing that ranges from $79.99 per month to $119.99 per month. Lets get started: Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. 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. According to an FTC report, about 20 percent of people in the country have at least one inaccuracy on their report. 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. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. Using the incorrect name, address, or Social Security number. You've heard of couples therapy, but what is it and whom is it for? Depending on which company you choose, the service might also include cease and desist letters, goodwill letters to help you qualify for credit in the future, credit monitoring to keep you on track, and one-on-one coaching. 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. For instance, Lexington charges a basic set up fee of $100. While it doesnt always work, there is still a chance of success. 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. Now, this does not mean that they will allow you to challenge all negative entries at once. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. If you do choose to use a credit repair company, Lexington Law and Credit Saint will be among your top options. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. Credit saint vs. Lexington law Which one is the best? Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. Having said this, Lexington Law still takes time to respond to complaints. Lexington Law also offers its own smartphone app, which is available for both Apple and Android devices. Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. We only recommend products or services that we would use ourselves and have gone through a significant amount of research before posting. Dispute Avalanche designed to make things faster. The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. Lexington Law may be better prepared to assist customers through negative life events. The company has maintained an A+ rating for 13 years making it one of the most reliable credit repair firms. Money.com ranked it as the top credit repair company. The online dashboard allows customers to track the progress of their credit repair. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. In our recommendation, Credit Saint outperforms Lexington Law overall. The package also includes score tracking, inquiry targeting, and Experian monitoring. This means there are more than 40 million reports to take care of. Where can you find the best Moving Company? Credit Saints cost is justified by its amazing features, including the reliable money-back guarantee. The positive BBB rating of Credit Saint suggests that the company has good customer service and handles complaints and inquiries satisfactorily. You can also cancel the service at any time without incurring any penalties or fees. On the downsides, Lexington Law also charges a first work fee. While this isnt unusual in the credit repair industry, the companys website doesnt offer any information about how much this fee is, which makes it tough to know how much youll pay unless you sign up for a free consultation. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. It is one of the few companies that have an A+ Better Business Bureau rating. On the other hand, Lexington Law is quite vague about the speed of their service. The only difference is that you will not get unlimited disputes, and Credit Saint will not send custom cease and desist letters. However, the biggest takeaway with this package is unlimited disputes. Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. For instance, the company lacks a service guarantee. A careful review of hundreds of past user reviews reveals the dedication and selfless services offered by Credit Saints representatives. Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. 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. 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