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. The team even sent his day one and final-day credit report showing the positive changes after their repair process. Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. It can remove judgments and help improve your credit score. Be sure to check out the reputation of any credit repair service you're considering: customer feedback, number of years in business, and the service's BBB rating are all helpful indicators of a provider's trustworthiness. In this The Credit Pros review, well have a look at one such company and gauge if its worth a try or not. Additionally, Concord Premier will not help you with identity theft. Disclaimer: We offer completely free content to our users. Lets review the details of each package. Typically, most investigations are concluded within 30 days, but credit bureaus can add 15 days if necessary. On the positive side, you will get 100% of your money refunded if the company fails to remove any item within 90 days of signing up given that youve made full payment and you meet every other requirement given on the official website. Its a great place to see their office photos too. Which paid survey companies are the best? Rosales vs. Lexington Law Firm was filed in Nebraska in 2017 and claimed violations of the Telephone Consumer Protection Act (TCPA) and Fair Credit Reporting Act. is the very high aggressive plan offered by Credit Saint. The mid-level plan starts as low as $99.99. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. This plan costs customers $139.95/month. It is one of the few companies that have an A+ Better Business Bureau rating. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. Fortunately, there are ways to remove incorrect items. 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. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee You can find some recent articles in their blog section. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. Not many people are fully aware of what credit repair firms do or why they need to hire one. And a credit repair company may come to the rescue. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. (Ad) If youre thinking about signing up with Lexington Law to help repair your credit, youve come to the right place. Credit Saint offers their cheapest package for $79 per month. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. Thats because you will need to work with someone to identify potential dispute candidates. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. This is one of the biggest misconceptions with the credit repair industry. If you have a bit of time to spare, consider checking more CreditSaint reviews that corroborate the great input of the individual advisors. Additionally, you will get a personalized dashboard to track progress, creditor interventions, score analysis, and score tracker. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. Most clients see a 40-point increase in their credit score in six months. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. How have the two services performed when it comes to the level of customer care? 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. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Not all Credit Saint reviews are positive. 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! Creditrepair.com maintains an advantage when it comes to tools and technology. They are not accredited and have a C rating. Many common customer complaints include failing to get results, overpromising results, and overcharging for services. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. Well, there are no significant differences. 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. For instance, TransUnion says that they conclude most disputes within two weeks. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. 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. Lexington Law may be better prepared to assist customers through negative life events. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. While it is pretty reliable and popular, it doesnt have a very good BBB rating, unlike Credit Saint. Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law. If youre serious about repairing your credit and obtaining a good credit score and looking for a credit repair company to help you with the task, Credit Saint is one of the best credit repair companies to consider. Dispute Avalanche designed to make things faster. A live agent will also contact you to talk about the details of your credit history. Again, these are things you need to consider. In addition to this, there are several other issues that the company can take care of on your behalf. Both firms also offer free consultations. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Credit Saint customers know that they can get their money back if there have been no removals in 90 days. There is something scary about looking at your credit report and finding items that you do not find justified or valid. As you start to explore the possibility of credit repair, you'll soon see that there are many providers hoping to gain your business as a client. Their latest feedback as of July 8, 2021, is a 4-star rating. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. They also have mobile apps for easier progress tracking. 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. It also includes a credit analysis component. 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. Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. Like us? The biggest determinant of how fast items will be removed from your credit report is not the company you select. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. 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. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. 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. For instance, you can check reviews on Credit Saint on Google Reviews. Credit Takeoff is reader-supported. At this level,Credit Saintoffers unlimited disputes each dispute cycle, plus all the features included in the Credit Polish and Credit Remodel packages. 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. We'll keep you informed, and we'll never sell your information to anyone. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. In the Google Play store alone, Lexington Law has an average 4.5-star rating out of more than 18,000 reviews. Read more. 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). While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. 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? Their four-step process entails: Step 1: Helping clients obtain copies of their credit reports and analyzing them for inaccurate entries to dispute. Credit Takeoff strives to keep our information accurate and up to date. The companys LinkedIn profile shows that they have about 43 employees. However, we must mention that Credit Saint does not make any such promises and there is no guarantee that the removal of any item will cause your credit score to improve. 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. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. If you have challenging credit history, it makes all of these things more complex and frustrating. Credit Saint is accredited and highly rated with an A by the BBB, whereas Lexington Law has a C rating with the BBB and is not accredited. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. 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. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. Credit repair services typically charge a one-time setup fee and monthly service fees. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. Are you looking to move somewhere new? Credit Saintmay have similar results, but it doesnt state them anywhere on its website, so its hard to know if their service yields similar results. 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. 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. It was the same year that John C. Heath became the directing attorney. The company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. How Rapid Rescoring Can Quickly Raise Your Credit Score, Credit Remodel At $99.99 per month, the Credit Remodel package isCredit Saints mid-tier service level. When comparing Credit Saint and Lexington Law, consumers should take note of what educational resources both credit repair companies provide their customers. So, shopping around for credit repair firms is highly advised. The monthly cost for this high aggressive plan is $99.99. Offering the first-ever 90-day money-back guarantee in the credit repair industry, Credit Saint is relentlessly consumer-centric. Takeaways for Choosing Between Lexington Law and Credit Saint. Call us today to take advantage of our no-obligation offer. Credit Sainthas three tiers of services, with pricing that ranges from $79.99 per month to $119.99 per month. Its better to have a response than to have your complaint ignored entirely. Andrew founded Credit Weld with the vision of providing guidance and solutions for those who are experiencing hardship due to poor credit. They must make a reasonable faith effort to resolve grievances raised by customers. Lexington Law vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. The client liked that Jordan recommended a plan that was suitable for his needs. This implies they will send out a new round of credit report disputes every 45-days. I worked in the credit repair industry for about 10 years. From there, credit repair providers work diligently to address the issues and resolve them, for as long as you maintain your subscription to their services. The erasing of outdated inquiries from your credit report. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. If you only need one or two negative items from your credit report, then this plan is a great place to start. They then create customized challenge letters for these items and send them to the credit bureaus for a response. Unfortunately, not everyone understands what goes into a positive credit history. If you are serious about repairing your credit, it makes a good option that is relatively risk-free for the first three months. The two businesses provide similar services. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. They provide various templates you can use when challenging the bureaus and information furnishers. Unlike Credit Saint, where most clients accept the response given by the firm, there are several instances where customers have rejected Lexingtons Laws responses. Sky Blue is one of the oldest repair companies. These two companies have many similarities but also some differences that may be important when deciding between the two services. On their BBB.org page, the company responds to complaints within five business days at most. Despite being the cheapest plan, it comes with comes impressive features including: You will have the option to cancel anytime or apply for a full refund if the company fails to remove any item within 90 days of account opening. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. 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. Top Reviews. In a crowded market, it is hard for consumers to choose a credit repair company. 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. They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. 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 Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. This is one of just a few services that have earned a strong rating from the BBB, along with hundreds of positive reviews from clients. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. With this package, they will dispute up to 5 inaccurately reported items on your credit report. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. Lexington law comes off as the better service when it comes to free credit guides. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. 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. They consistently offer consumers the best results and services. A lot of companies in 2022 promise to Disclaimer: We provide free content for our users. 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. For this reason, many people enlist the help of a credit repair company to assist with the task. They will go over specific details of your credit history and offer additional techniques for improving your scores. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. Concord Premier At $109.95 per month, the Concord Premier is the middle-of-the-road service level, which gets you everything in the Concord Standard plan plus TransUnion score alerts and a monthly credit score analysis. 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. 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