But for now, Lexington Law offers more educational resources. Stay up to date with the latest reviews. From here, you can get status updates, progress reports, and other information about your account and your credit. It helps them achieve faster outcomes. On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. On the other hand, the company appears to address each negative review, which is a positive sign. 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. Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. In 2004, the law firm began focusing on offering credit repair services. 2019 - 2023 SimpleMoneyLyfe LLC. Lets take a closer look at their pricing packages and provided features: Creditsaint allows customers to choose from three pricing packages: Its their most advanced package, and customers will pay an initial work fee of $195. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. It has a company mobile app (Apple and Android) where you can monitor account progress from the convenience of your phone. 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. There is something scary about looking at your credit report and finding items that you do not find justified or valid. 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. Lets compare Credit Saint and some of its competitors to see which ones better. Is Credit Saint a Good Credit Repair Company? Credit Saint does a simple job it reviews your credit report and addresses factors that can impact it. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. The law firm will provide your TransUnion credit report summary and Transunion FICO score. Credit saint vs. Lexington law, who is the undisputed winner? I worked in the credit repair industry for about 10 years. 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. Now, what features do you get? Lexington Laws basic service package provides access to bureau challenges and creditor interventions. Because Credit Saint and Lexington Law offer similar and comparable services, both companies have an extensive history of helping customers repair their bad credit scores. Making it possible to keep tabs on your FICO rating as well as your scores from other reporting bureaus using credit monitoring services. But if you have a lot more to spend, you may get more value by choosing Lexington Laws Advanced package. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. But are its programs worth a try? 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. 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. This engagement demonstrates that they do care about addressing concerns and remedying issues. Regarding customer service, Lexington Law has many more complaints lodged against them than Credit Saint does. 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. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Credit Saint prices are a little on the higher side especially in comparison to alternatives. If you choose this one, you will also have to pay the first-work fee of $195. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. Go to the official site, sign up for an account, pay the fee, and the company will get to work right away. Credit Saint works in 45-day cycles. Regardless if a company is compensating us or not, we only accept these opportunities when the post, will be helpful or valuable to our readers and is something that fits within the context of this blog. You will find many Credit Saint reviews on the Internet. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. The monthly cost for this plan is $119.99 per month. The goal of the founders was to revolutionize the repair industry. The company website has an educational blog that provides customers with valuable information about credit repair. But make sure that you are reviewing companies that provide an equivalent level of service. Choose which one will help you the most. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee 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. It was the same year that John C. Heath became the directing attorney. Of course, as with anything, different aspects of each company will appeal to different clients, so you should always individually weigh the pros and cons of both Credit Saint and Lexington Law before deciding which one would work best for you and your credit repair needs. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. 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 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. In this The Credit Pros review, well have a look at one such company and gauge if its worth a try or not. 8.2 million removals and 26+ million challenges and disputes since 2012. Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. Credit Saint vs. Lexington Law. The team even sent his day one and final-day credit report showing the positive changes after their repair process. 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. REVIEWED BY Brad Blanchard | September 12, 2022 November 4, 2022. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. If you search the web for tips on how to repair your credit, you will come across Creditrepair.com reviews. If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. For instance, TransUnion says that they conclude most disputes within two weeks. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. 250 Pehle Ave #200, Saddle Brook, NJ 07663, United States. Select any 2 Credit Repair Companies to compare them head to head, Atlantic City, NJ Mayor Leading Free Resident Credit Repair Effort. The company is available in a limited number of states and residents of South Carolina, Kansas, and Georgia cannot access it. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. UnlikeCredit Saint, however, Lexington Law is not accredited by the BBB. As previously stated, they are known to help consumers with severe credit problems. 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. Note that bbb.org is not the primary channel for raising or addressing complaints. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). Credit Saint vs. Lexington Law: Which One is Better? While both companies are BBB accredited, Credit Pros has a current rating of B+. The Credit Pros Review: Best Credit Repair Company? Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. Overall, the process takes as long as needed to remove as many negative items from your report as possible. A careful review of hundreds of past user reviews reveals the dedication and selfless services offered by Credit Saints representatives. 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 began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. However, articles or reviews may contain affiliate links and we may earn a commission. 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. Lexington law comes off as the better service when it comes to free credit guides. Both Credit Saint and Lexington Law are two of the best credit repair companies in the United States. SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. Credit Saint offers a 90-day money-back guarantee, while The Credit Pros doesnt make any refund promises. Which tax relief service is right for you? Unlike Credit Saint, where most clients accept the response given by the firm, there are several instances where customers have rejected Lexingtons Laws responses. All Rights Reserved. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. Heres a comparison chart to help you understand all the differences between the two companies: Launched a few years after Credit Saint, The Credit Pros has featured on the list of the 5,000 fastest-growing companies in the U.S. for five years in a row. It takes time to file disputes with all three credit bureaus, review your credit report, and identify what items can be removed. The only claim to dispute nonfactual information in the credit report. 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. 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. 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. But large or small any company or person that charges anone upfront is breaking the law. All plans are flexible with the option to cancel anytime. It covers the work performed in preparing the first round of disputes. It has one of the best guarantees in the industry, which can be a great reason to give it a try. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. Lexington Law is one of Credit Saints major competitors. If you do choose to use a credit repair company, Lexington Law and Credit Saint will be among your top options. Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. Credit Saint has a better basic package as it includes the score tracker and score analysis. Not all Credit Saint reviews are positive. The company appears to be doing well in this department. Some customers might like the benefit of having these types of legal experts on their side. In a crowded market, it is hard for consumers to choose a credit repair company. Citi is an advertising partner. Plus, it is BBB accredited with very few complaints under the belt. So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. Other than that, you still get all the extra features available on the Clean Slate package. Credit Saint operates on a 45-day dispute cycle. Not only is Credit Saint a BBB accredited business, but all programs come with Credit Saint's 90-day Money Back Guarantee. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. They bring years of experience to the table and a team of credit repair analysts who are industry veterans. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. 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. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. Are you typically available to make calls during business hours? Furthermore, repairing your credit is not an overnight fix. The team members are mainly based in New Jersey and the New York Metro Area. Credit repair services typically charge a one-time setup fee and monthly service fees. Regular membership goes for $119.99. Both plans provide score analysis, credit report updates, and inquiry targeting. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. They claim that this helps them fastrack the preparation of the initial first round of disputes. Your credit score even directly impacts the cost of your New Jersey auto insurance. These errors can impact your score and lead to issues in the future. A foreclosure is a process that starts when a borrower fails to pay their mortgage. Today, they continue offering technology-supported credit repair services thanks to their partnership with Progrexion Holding. In the Google Play store alone, Lexington Law has an average 4.5-star rating out of more than 18,000 reviews. You also get disputes for bankruptcies and repossessions. It can remove judgments and help improve your credit score. Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. They also expect customers to have made timely payments in the past. For most people,disputing negative itemsis the main goal of credit repair, and this is what you get with the Concord Standard level of service. Both brands have built up a loyal following and have good reviews on TrustPilot. Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. So, compared to Credit Saint, its a cheaper option. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. These things suggest the companys customer service pleases its customers. They further stated that their 90-day refund policy applies to customers who have not seen any removals. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. When going over Credit Saints services, one thing that stands out is that they dont make such promises. In a crowded market, it is hard for consumers to choose a credit repair company. We may receive compensation (at no cost to you) when you click on links to those products. Our reviewers evaluate products and services based on unbiased research. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. The company offers excellent customer support and the agents are very friendly. In 2004, the law firm began focusing on offering credit repair services. 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. Credit repair involves identifying issues with your credit report, Our Ovation Credit review 2022 reaffirms the companys commitment to personalized credit repair. Not many people are fully aware of what credit repair firms do or why they need to hire one. 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). Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. Is Credit Saint or Lexington Law Cheaper? Learn more about our process. The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. 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. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. You will need to pay an initial setup fee of $99. A live agent will also contact you to talk about the details of your credit history. 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