It has a C rating with the BBB and is not an accredited BBB company. Both plans provide score analysis, credit report updates, and inquiry targeting. Bottom Line: Credit Saint vs. Lexington Law. Whos faster Lexington Law or Credit Saint? Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. Credit Saint - The Winner One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. Credit Repair. 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). Select any 2 Credit Repair Companies to compare them head to head, Atlantic City, NJ Mayor Leading Free Resident Credit Repair Effort. 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. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. Seeing tangible results can motivate you to stay on track with maintaining good credit. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. Here are the details: The cheapest plan starts as low as $79.99. The company is an excellent option if youre serious about fixing your credit. Here are some of the main advantages of choosing this repair firm: With some pros come some cons; here they are: Lets start with positive Credit Saint reviews, and theyre literally everywhere you look. 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? For instance, Lexington charges a basic set up fee of $100. On their BBB.org page, the company responds to complaints within five business days at most. Disclaimer: This post contains references to products from one or more of our advertisers. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. And let me be crystal clear, this package is loaded with features not included in the other two offerings. In that time, you will have roughly paid the same fees if you selected either service. 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. Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. Overall, Credit Saint is the cheaper option. Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. It was the same year that John C. Heath became the directing attorney. Not all Credit Saint reviews are positive. Well find out in this Credit Saint review and answer all questions you may have about the company. If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. 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. Dispute Avalanche designed to make things faster. Customers also lose access to Experian monitoring features. On the positive side, the company provides full support to clients and offers tips on how they can improve their credit rating. Where can you find the best Moving Company? According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. Lexington Law, on the other hand, charges $129.95 with a work fee of $129. 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. This plan costs customers $139.95/month. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. 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. Clean Slate For a credit repair company, Credit Saint has a low number of customer complaints and even many positive customer reviews, which is something not generally seen among credit repair companies. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. If there have been deletions within 90 days, Credit Saint may not issue the refund. These include: Credit Saint works by preparing custom arguments for each item and can help increase your credit score to help you get more loans at an affordable rate and enjoy a better financial life. 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. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. In a crowded market, it is hard for consumers to choose a credit repair company. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law. The monthly cost for this high aggressive plan is $99.99. They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. It can remove judgments and help improve your credit score. One of the best ways to compare Lexington Law and Sky Blue is to look at their pricing and packages. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. Additionally, Lexington Law's most advanced service level is more than Credit Saint's most advanced package option. By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. 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. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. Choose which one will help you the most. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. (Ad) If youre thinking about signing up with Lexington Law to help repair your credit, youve come to the right place. This means there are more than 40 million reports to take care of. If you only need one or two negative items from your credit report, then this plan is a great place to start. We may receive compensation (at no cost to you) when you click on links to those products. Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months. If youre looking for the cheapest plan, you are better off using Credit Polish offered by Credit Saint. Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. Credit repair is just like it sounds: a process by which your credit history and score are improved. But large or small any company or person that charges anone upfront is breaking the law. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. Finally, Lexington Laws active pending lawsuit has slightly damaged its reputation among credit repair companies. Now, if Credit Saint fees are out of your reach, keep in mind that its possible to replicate the same results. So which one offers the best credit repair services? Rather than jumping to conclusions, we will first present facts about the two credit repair services. They also have mobile apps for easier progress tracking. Credit Takeoff strives to keep our information accurate and up to date. So far, over 1,000 people have left comments and they maintain a 4.4/5 rating. provides you will all of the features included in the standard plan and the addition of Credit Report Watch Alerts. Gerald is the founder and editor-in-chief of CreditFixed.com. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. You can choose from a variety of repair plans according to your requirements and budget. 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. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. Overall, online reviewers have positive things to say aboutCredit Saint. It allows for unlimited disputes during each billing cycle. Top Products. Think about a loan that you never took but it appears on your report due to an administrative error. Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. The firm offers 3 credit repair plans to suit different needs, along with a 90-day money back guarantee. Monthly pricing is more expensive than Credit Saint. While it doesnt always work, there is still a chance of success. This team of legal professionals is known for solving the most complex credit problems. Now, this does not mean that they will allow you to challenge all negative entries at once. Disclaimer: We offer completely free content to our users. Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. In this highlighted review, the client complained about not seeing any removal but getting charged for the service. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. Today, they continue offering technology-supported credit repair services thanks to their partnership with Progrexion Holding. The companys LinkedIn profile shows that they have about 43 employees. But, how much time do you have? Sometimes. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. Which paid survey companies are the best? In a past comment, they mention that they go after half of the available items to dispute. 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