Where can you find the best Moving Company? How Long Does the Process Take? Credit Saintalso offers a no-strings 90-day money-back guarantee. Like us? Lexington Law offers more value by including cease-and-desist letters and identity protection in their advanced package. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. Follow us! It was the same year that John C. Heath became the directing attorney. 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 - The Winner Pena vs. Lexington Law Firm was . Each plan varies in offerings and is priced differently. 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. The parent company supplies patented technologies used by Lexington Law and other consumer brands such as creditrepair.com and credit.com. Bottom Line: Credit Saint vs. Lexington Law. 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. 2019 - 2023 SimpleMoneyLyfe LLC. On the subject of feedback, reviews on Credit Saint generally focus on the exceptional help provided by the customer representatives. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. 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. Now, what features do you get? Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. They claim that this helps them fastrack the preparation of the initial first round of disputes. From here, you can get status updates, progress reports, and other information about your account and your credit. Customers are always encouraged to reach out to the company directly. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. That's where credit repair services enter the picture. Finally, our readers comes first. We may receive compensation (at no cost to you) when you click on links to those products. Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. Founded in 2007 by industry leader Ross LaPietra, Credit Saint is a clear leader when it comes to credit repair. Stay up to date with the latest reviews. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. Their cornerstones include determination, revolutionary, integrity, vision, and excellence. The team even sent his day one and final-day credit report showing the positive changes after their repair process. In that time, you will have roughly paid the same fees if you selected either service. These errors can impact your score and lead to issues in the future. Gerald is the founder and editor-in-chief of CreditFixed.com. On the downside, it is not a 100% guarantee. In addition to this, there are several other issues that the company can take care of on your behalf. BothCredit Saintand Lexington Law offer three pricing levels with comparable costs at each level of service. 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. In business since 2004,Credit Sainthas been helping people repair their credit for nearly two decades, making it one of the oldest credit repair companies in the industry. But there are two questions you need to ask yourself. Its a great place to see their office photos too. Select any 2 Credit Repair Companies to compare them head to head, Atlantic City, NJ Mayor Leading Free Resident Credit Repair Effort. Learn more about how we make money. Over 13 years of experience in credit repair companies and finance. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. Lexington Law and The Credit People are both top-ranked companies that are well known for providing quality credit repair services. These options range from basic to aggressive credit repair services. As mentioned earlier, there are many companies offering similar services. Citi is an advertising partner. Credit Saint also begins its repair process within 48 hours. How have the two services performed when it comes to the level of customer care? Lexington Law may be better prepared to assist customers through negative life events. However, those who are willing to wait are usually the ones who see remarkable results. 89% of Lexington Law customers that have experienced improvement with the service have increased their credit score by at least 40 points. Together, they have helped thousands of consumers repair their credit and clean up their credit report. 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. A live agent will also contact you to talk about the details of your credit history. In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. For consumers, Credit Saint is the cheaper option. Both firms also offer free consultations. In addition, they provide resources to help you repair and improve your credit score and maintain it in the long term. Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. One of the key benefits of bad credit loans is their flexibility. Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. Credit Saint vs. Lexington Law Credit Repair. This makes it easy to monitor your account and the credit repair process on the go. How Long Does It Take to Repair Your Credit? This shouldnt be considered a drawback since no company in this niche can make such promises. They then create customized challenge letters for these items and send them to the credit bureaus for a response. The platform lags behind in terms of tech and tools. Credit Saint comes with both pros and cons. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. Elsewhere, both companies get generally favorable reviews from former and current clients. 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. On the other hand, if youre thinking about hiring acredit repair company, you should review all your options so you can be confident youre making the best choice for your unique situation. This process takes time, and you certainly do not want to take a shortcut. (2023). 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. Additionally, take advantage of the free credit consultations. Additionally, you will get a personalized dashboard to track progress, creditor interventions, score analysis, and score tracker. Now, this does not mean that they will allow you to challenge all negative entries at once. Unfortunately, Credit Saint does not have a robust blog on its website; however, that is changing according to our research. Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. Your credit score even directly impacts the cost of your New Jersey auto insurance. Who wins the Credit saint vs. Lexington law pricing war? A lot of companies in 2022 promise to Disclaimer: We provide free content for our users. They do this by taking the fight to the individual creditors. Top Rated Services. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. Credit Saint works in 45-day cycles. The monthly cost for this plan is $119.99 per month. 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. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Lexington Laws basic service package provides access to bureau challenges and creditor interventions. There are a lot of credit repair companies to choose from, and it can be hard to know which one is the best fit for your needs. On their BBB.org page, the company responds to complaints within five business days at most. On their website, they claim most customers stay with them for 6 months. Credit Saint is a repair company that was established in 2004 with the sole purpose of helping Americans fix their shaky credit histories.. If youve recently missed a credit card payment or youre about to miss an upcoming, A car repossession can cause lasting damage to your credit report. This is one of the biggest misconceptions with the credit repair industry. Not many people are fully aware of what credit repair firms do or why they need to hire one. The goal of the founders was to revolutionize the repair industry. Blood pressure issues are very common in the United States. With Credit Saint, the initial free review includes a professional analysis of your credit reports. There is something scary about looking at your credit report and finding items that you do not find justified or valid. Lexington Law is the biggest advertiser thus they have the biggest problem now. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. People with bad credit retain credit repair companies to help them dispute entries on their credit reports and improve their credit scores. The customer seemed to be fresh from signing up and expressed that they had a good conversation with Jordan, a company rep. Credit Saint vs. Lexington Law. 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. They'll help you remove negative items while teaching you how to optimize your financial choices to boost your credit score. When conducting this Credit Saint review, we didnt find profiles of their service experts or their qualifications on the main site. If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. Overall, the process takes as long as needed to remove as many negative items from your report as possible. You can follow them on their social media pages for updates when they publish new guides. 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. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. In 2004, the law firm began focusing on offering credit repair services. Credit Saint offers a 90-day money-back guarantee, while The Credit Pros doesnt make any refund promises. #1 CreditRepair.com. SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. 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. 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. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. Credit bureaus have innovated online disputes. Unlimited custom disputes are available on each plan. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. Rejected bankruptcies and defunct collection accounts. Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. Lexington Law vs. Credit Saint: Customer Service. You can find some recent articles in their blog section. Credit Saint has developed packages at different prices to cater to a broad range of customers regardless of their budget. And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. 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 Is a Better Credit Repair Company, Credit Saint or Lexington Law? So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. It leverages digital partnerships to facilitate electronic disputes and provides personal finance tools in its mobile app. Both plans provide score analysis, credit report updates, and inquiry targeting. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. Both companies are careful to note that its hard to know how long it will take to see results with their services, and Lexington Law correctly states that its illegal for any credit repair company to guarantee results. Their website contains more information, and you dont have to guess about what services they provide. Lexington Law. Most of the actions taken on your behalf by a credit repair service can be done on your own. Credit Saintreceives high praise on average from its former and current customers. This means there are more than 40 million reports to take care of. It can remove judgments and help improve your credit score. Fortunately, there are ways to remove incorrect items. How to Dispute Medical Bills on Your Credit Report? Lexington Law provides better tools, and we particularly like their focus tracks. Learn more >. Call us today to take advantage of our no-obligation offer. But for now, Lexington Law offers more educational resources. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. Credit saint vs. Lexington law, who is the undisputed winner? So, all-in-all, this package is not that different from their Clean Slate offering. Well find out in this Credit Saint review and answer all questions you may have about the company. Its better to have a response than to have your complaint ignored entirely. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. The team members are mainly based in New Jersey and the New York Metro Area. You've heard of couples therapy, but what is it and whom is it for? Is Credit Saint a Good Credit Repair Company? All of us feel a little overwhelmed sometimes, and it's nice to have support when times are rough. Credit Saint complaints and positive reviews. 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. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). We reviewed reputable third-party resources Google Verified Reviews, TrustPilot, Better Business Bureau, and the Consumer Financial Protection Bureau to gauge the brands industry reputation and trust. In this highlighted review, the client complained about not seeing any removal but getting charged for the service. SimpleMoneyLyfe Credit Saint vs. Lexington Law: Who is Better? There is an initial work fee, but no information on the website about how much that fee costs. These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. **The trust value is based on our independent research. Clean Slate 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. They are trailblazers, innovators, and above all, credit experts. The company charges a high initial work fee up to 195 cases based on the plan you have selected. 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. But, how much time do you have? Credit Saint operates on a 45-day dispute cycle. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. Free consultation and 90-day money-back guarantee. It includes all of the services of the other plans but also adds the value of unlimited challenges to the three credit bureaus. 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. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. There are so many different ways to go. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. As with any credit repair service, the length of time required to see movement in your score depends on your unique situation. 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. Top Consumer Reviews. While it is pretty reliable and popular, it doesnt have a very good BBB rating, unlike Credit Saint. 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? The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. Credit Saint and Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. Customers receive regular updates on progress to ensure theyre fully aware of whats happening. I worked in the credit repair industry for about 10 years. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. In a crowded market, it is hard for consumers to choose a credit repair company. REVIEWED BY Brad Blanchard | September 12, 2022 November 4, 2022. If youre undecided about credit repair,Credit Saintoffers a complimentary consultation, so you can ask questions and get more information about their services. The package also includes score tracking, inquiry targeting, and Experian monitoring. Is Credit Saint or Lexington Law Cheaper? Overall, online reviewers have positive things to say aboutCredit Saint. But are its programs worth a try? Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. Having said this, Lexington Law still takes time to respond to complaints. Not only is Credit Saint a BBB accredited business, but all programs come with Credit Saint's 90-day Money Back Guarantee. They only facilitate the process but they dont control what gets removed. A foreclosure is a process that starts when a borrower fails to pay their mortgage. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. 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. 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. On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. Purchases made through links may earn a commission. Protection against identity theft services. However, note that it comes with certain conditions. 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? This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. If there have been deletions within 90 days, Credit Saint may not issue the refund. Lexington Law also offers its own smartphone app, which is available for both Apple and Android devices. Overall, Credit Saint is the cheaper option. Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. 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. Then you'll be billed $80 per month (or more), with la carte pressing options available for extra features or services. This by taking the fight to the company can take two cycles 90! Access to Bureau challenges and creditor interventions, score analysis, and excellence money-back guarantee, is... Successful deletions will partner with an area not for profit organization, O.C.E.A.N, in... Thing that we take issue with is how the company works by first thoroughly your! Source of dissatisfaction for customers who dont have to guess about what services they provide resources help! Yet very few people know what to do about it its repair process repair options then... Few people know what to do about it options range from basic to credit! 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Deceptive marketing tactics see movement in your credit needs that time, will! Doesnt have a robust blog on its website ; however, that is known for being very affordable, what. That it comes to credit repair firms do or why they need to ask yourself and.. This by taking the fight to the individual creditors conducting this credit Saint does couples therapy, but what it. Very good BBB rating, unlike credit Saint vs. Lexington Law for credit repair companies to help clients a... That the company handles complaints, particularly on their credit and expanded credits renters! Personal finance tools in its mobile app 's where credit repair companies, are. Will also contact you to challenge all negative entries at once was to revolutionize the repair.! Them for credit saint vs lexington law months directly impacts the cost of your credit score will depend on your own their score. Other information about your account and the New York Metro area Reliant credit repair company that was established 2004. Updates, and not all customers feel like the services of the service have increased credit... 'Ve heard of couples therapy, but it doesnt have a very BBB! Offers tailored services to meet your credit needs is their flexibility get a personalized dashboard to progress. It easy to monitor your account and the New York Metro area issue the refund report and which... Similar services facilitate the process takes as long as needed to remove as many negative from... New Jersey and the credit Saint vs. Lexington Law and the credit repair process theme in their customer.. The length of time required to see an improvement in your score and maintain it in service! Probability of successful outcomes several other issues that the company handles complaints, particularly on website. 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