With this package, they will dispute up to 5 inaccurately reported items on your credit report. The first step with any credit repair service will likely involve a thorough review of your credit report. While both credit repair companies have good reputations and similar pricing,Credit Saintedges out Lexington Law in our review. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. The step below PremierPlus is Concord Premier. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. Founder of Credit Repair Partner. Are you looking to move somewhere new? 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? Its not necessarily a reflection of the quality of their services. If you choose this one, you will also have to pay the first-work fee of $195. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. in-depth review of Lexington Law, click here. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. Who wins the Credit saint vs. Lexington law pricing war? One of the best ways to compare Lexington Law and Sky Blue is to look at their pricing and packages. Overall, the process takes as long as needed to remove as many negative items from your report as possible. Not only is Credit Saint a BBB accredited business, but all programs come with Credit Saint's 90-day Money Back Guarantee. You will pay about $109.85 per month. You can choose from three plans. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. Follow us! Having said this, Lexington Law still takes time to respond to complaints. You can also compare Credit Saint vs Lexington Law by exploring all of the top credit repair services. 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. Free online consultation. Credit Saintreceives high praise on average from its former and current customers. 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. This can offer a great deal of peace of mind when youre worried about getting yourcredit score back on track. Credit Saint offers consumers three straightforward packages that are each designed to meet a different need. Monthly fees from $69.95 to $119.95, plus first-work fee equal to one month's payment. Top Reviews. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. Generally, the service doesnt have as many complaints on their BBB.org page as competing services like Lexington Law. Lexington Law will: As we said, this is a basic package. 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. Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. He has helped people repair their credit by giving them easy to follow steps, advice and tips on how to improve their financial situation. Each credit repair firm offers a dedicated customer service line for clients that can help answer any questions you may have. Founded in 2007 by industry leader Ross LaPietra, Credit Saint is a clear leader when it comes to credit repair. Credit Saintand Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. People with bad credit retain credit repair companies to help them dispute entries on their credit reports and improve their credit scores. Its currently under the helm of the original founder, Ross LaPietra. In addition to legal representation, they also offer a credit monitoring and repair service that comes in three different tiers. For consumers, Credit Saint is the cheaper option. 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. 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. 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. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. The biggest determinant of how fast items will be removed from your credit report is not the company you select. They only facilitate the process but they dont control what gets removed. We may receive compensation (at no cost to you) when you click on links to those products. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. This package is more hands-on and gives the customer more control over the entire credit repair process. Lets get started: Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months. Credit Sainthas three tiers of services, with pricing that ranges from $79.99 per month to $119.99 per month. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. How Long Does It Take to Repair Your Credit? Choose which one will help you the most. Offering the first-ever 90-day money-back guarantee in the credit repair industry, Credit Saint is relentlessly consumer-centric. 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. On average, customers subscribe for six months of service. 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. (2023), Lexington Law vs. Credit Saint: Credit Repair Packages and Price, Credit Saint vs. Lexington Law: Educational Resources. If youre considering a credit repair service, its important to take positive and negative reviews as a whole before you make a decision. All plans come with a reliable 90-day money-back guarantee. 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. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. 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. The online dashboard allows customers to track the progress of their credit repair. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee Its better to have a response than to have your complaint ignored entirely. 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. Credit Saint bills you for their credit repair services monthly and allows you to cancel any time, so you only commit for however long you need to repair your credit. They then create customized challenge letters for these items and send them to the credit bureaus for a response. 2019 - 2023 SimpleMoneyLyfe LLC. Rather than jumping to conclusions, we will first present facts about the two credit repair services. Where can you find the best online couples therapy? Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. Read more. This means being in it for the long haul. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. Contact us today to learn more and find out about our additional services. Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. 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. Credit Repair. But if you have a lot more to spend, you may get more value by choosing Lexington Laws Advanced package. They further stated that their 90-day refund policy applies to customers who have not seen any removals. Over 850,000 clients in the last 10 years. If you're facing an ever-increasing pile of "past due" notices, threatening letters from the IRS, and credit card statements where Where should you sign up as a mystery shopper? Credit Saints cost is justified by its amazing features, including the reliable money-back guarantee. Both companies are established and highly visible players in the business. The customer seemed to be fresh from signing up and expressed that they had a good conversation with Jordan, a company rep. Other providers actually specify a minimum credit score improvement. If youre shopping around for credit repair services, its something to consider as you compare companies. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. You can also have a better feel of their customer service quality by obtaining their free consultation. Actually, their cheapest and most expensive plans differ by about $10. A good credit repair company will not only help you remove negative items from your credit report from late payments to identity theft, but they will also help you understand your credit score and guide you on how to boost your score and keep it on track long-term. In a past comment, they mention that they go after half of the available items to dispute. That said, Lexington Laws website states that 70 percent of their clients saw their credit scores increase an average of 40 points within six months of using the service. We'll keep you informed, and we'll never sell your information to anyone. The company offers excellent customer support and the agents are very friendly. In this The Credit Pros review, well have a look at one such company and gauge if its worth a try or not. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. 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. Credit repair services typically charge a one-time setup fee and monthly service fees. In business since 2004; Over 70 million removals and 22.3 million challenges and disputes; Has represented over 8.7 million clients; 89% of clients with improvement see an average credit score increase of 40 points Its a great place to see their office photos too. 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. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. Both brands have built up a loyal following and have good reviews on TrustPilot. On the other hand, Credit Saint has not been specific about its use of electronic disputes. Now, if Credit Saint fees are out of your reach, keep in mind that its possible to replicate the same results. If you have challenging credit history, it makes all of these things more complex and frustrating. Yes, Credit Saint is a legal company offering services in most parts of the country. For this reason, many people enlist the help of a credit repair company to assist with the task. 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. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. With Credit Saint, the initial free review includes a professional analysis of your credit reports. Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. One of the key benefits of bad credit loans is their flexibility. 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. Top Rated Services. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. 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). They choose to issue refunds in some situations and use friendly language when responding to customers. Plus, it is BBB accredited with very few complaints under the belt. 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. 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. 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. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. Money.com ranked it as the top credit repair company. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. Fortunately, there are ways to remove incorrect items. This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. 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 and Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. Well find out in this Credit Saint review and answer all questions you may have about the company. Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. Like we said earlier, repairing your credit is a long process. With this package, they will review your credit report and will provide clear next steps for you to take. Well, there are no significant differences. If you search the web for tips on how to repair your credit, you will come across Creditrepair.com reviews. You can choose from a variety of repair plans according to your requirements and budget. 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. Both services are trusted leaders in the credit repair industry and are known for delivering reliable services. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. **The trust value is based on our independent research. But make sure that you are reviewing companies that provide an equivalent level of service. Typically, most investigations are concluded within 30 days, but credit bureaus can add 15 days if necessary. Fret not, Credit Saint is known for fighting tooth and nail with your debt collectors and all three credit bureaus. Lexington Law leverages this process to fix their clients' credit. How did we arrive at this conclusion? An achievement that should not go unnoticed. For instance, they are now offering help to people whose scores may have been affected by the COVID-19 pandemic by helping them leverage reliefs provided by lenders under the CARES act. This may impact how, where, and in what order products appear. That's a great question, because "payday loans" and "trustworthy" don't tend to be said in the same Where can you find the best personal loans? CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. Select any 2 Credit Repair Companies to compare them head to head, Atlantic City, NJ Mayor Leading Free Resident Credit Repair Effort. Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. A 550 credit score is, Building or improving credit can be overwhelming. We'd love to have you join our community! Blood pressure issues are very common in the United States. Customers also lose access to Experian monitoring features. Additionally, Lexington Law's most advanced service level is more than Credit Saint's most advanced package option. They also expect customers to have made timely payments in the past. Top 4 Lenders for Bad Credit Loans: Compare Rates and Terms. It is a relatively small number compared to their popularity in the repair industry. The two businesses provide similar services. 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. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. 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. But there are two questions you need to ask yourself. Moreover, this firm is applauded by previous customers who highlight Credit Saints transparent operation and commitment to results. How does this package stack up to Credit Saints Credit Remodel package? 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. 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. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. This shouldnt be considered a drawback since no company in this niche can make such promises. Like Credit Saint, Lexington Law also offers three different credit repair options to meet the needs of various clients. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. In addition, the company offers a full 90-day money-back guarantee. From here, you can get status updates, progress reports, and other information about your account and your credit. This process takes time, and you certainly do not want to take a shortcut. (Ad) If youre thinking about signing up with Lexington Law to help repair your credit, youve come to the right place. Together, they have helped thousands of consumers repair their credit and clean up their credit report. How to Dispute Medical Bills on Your Credit Report? We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. 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 happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. Now, this is not a high-stakes choice. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. There is an initial work fee, but no information on the website about how much that fee costs. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. You can also cancel the service at any time without incurring any penalties or fees. And this gives you a chance to ask questions and explore your options. 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. They consistently offer consumers the best results and services. Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. Most Credit Saint credit repair reviews agree that the company can help you solve this issue as it offers identity theft protection with repair services. Over 13 years of experience in credit repair companies and finance. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. Here is a few list of features included in this plan: As you can see, this package is loaded with helpful features. While both companies are BBB accredited, Credit Pros has a current rating of B+. However, in our opinion, the best bang for your buck is Credit Saint. 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. 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