The company appears to be doing well in this department. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. 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. 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. Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint. 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. 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. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. They have two affordable packages, going for $79 and $109 per month. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. This shouldnt be considered a drawback since no company in this niche can make such promises. You can also compare Credit Saint vs Lexington Law by exploring all of the top credit repair services. The team members are mainly based in New Jersey and the New York Metro Area. Takeaways for Choosing Between Lexington Law and Credit Saint. Monthly pricing is more expensive than Credit Saint. Log in, Cost Comparison of Lexington Law Vs. Credit Saint, Lexington Law Credit Repair Packages and Pricing, Credit Saint Credit Repair Pricing and Packages, Credit Repair Results of LExington Law Vs. Credit Saint. 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. But if you are serious about repairing your credit, then you need to approach this situation with a long-term mindset. While it doesnt always work, there is still a chance of success. The PremierPlus package is Lexington Laws most advanced credit repair plan. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. Which one is the best for you? The company has maintained an A+ rating for 13 years making it one of the most reliable credit repair firms. 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. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. gives customers the benefits of the lower-level services and TransUnion FICO score, lost wallet protection, a Personal Finance Manager, and Junk Mail Reducer service. According to the CFPB, this behavior was unlawful, as federal statutes prohibit credit repair companies from taking any money from customers until the company has done work on the customers behalf. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. Credit Saintreceives high praise on average from its former and current customers. During the session with a rep, ask all pressing questions about repairing bad credit and errors. There are so many different ways to go. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. 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). The setup fee is only $129.95, meaning that you may spend $66 less during your first month with Lexington Law. 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). Do you want to know how to get a 700 credit score in 90 days? Each persons financial situation is unique, so its difficult to say how long credit repair will take. 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. Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Some customers might like the benefit of having these types of legal experts on their side. Which paid survey companies are the best? (2023), Lexington Law vs. Credit Saint: Credit Repair Packages and Price, Credit Saint vs. Lexington Law: Educational Resources. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. However, Lexington Law says that 70 percent of its customers saw a 40-point improvement in their credit score after six months of using the service. 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. Here is a few list of features included in this plan: As you can see, this package is loaded with helpful features. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. The goal of the founders was to revolutionize the repair industry. Online doctors, whose services are often referred to as telemedicine or telehealth, are a convenient and accessible way for patients to receive Where can you find the best Stress Relief? A live agent will also contact you to talk about the details of your credit history. The only difference is that you will not get unlimited disputes, and Credit Saint will not send custom cease and desist letters. The monthly cost for this high aggressive plan is $99.99. Their website contains more information, and you dont have to guess about what services they provide. For instance, you can download a 609 letter and pay-for-delete letter template. He also stated that he didnt leave a 5-star rating because the company kept asking for verification, which he said that he had already done. Both Credit Saint and Lexington Law are two of the best credit repair companies in the United States. These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. 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. As previously stated, they are known to help consumers with severe credit problems. Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. Not only is Credit Saint a BBB accredited business, but all programs come with Credit Saint's 90-day Money Back Guarantee. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. Compared side by side, bothCredit Saintand Lexington Law have comparable pricing, service levels, and speeds of service. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. Lexington Law vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. Late payments, applying for multiple credit cards in a short period of time, or even problems with mistaken identity can all lead to a less-than-excellent credit profile. But there are two questions you need to ask yourself. However, it doesnt come with a guarantee. Which foreclosure listing website is the best? Like we said earlier, repairing your credit is a long process. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. 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. All three packages come with a $99.00 initial work fee that you pay upfront once in addition to the monthly fee. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. 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. They have a polished team of professionals that understands the business well. 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. 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? On the downsides, Lexington Law also charges a first work fee. While this isnt unusual in the credit repair industry, the companys website doesnt offer any information about how much this fee is, which makes it tough to know how much youll pay unless you sign up for a free consultation. The firm offers 3 credit repair plans to suit different needs, along with a 90-day money back guarantee. He has helped people repair their credit by giving them easy to follow steps, advice and tips on how to improve their financial situation. How did we arrive at this conclusion? 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. One of the key benefits of bad credit loans is their flexibility. Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. 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. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt. 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. Bottom Line: Credit Saint vs. Lexington Law. So, compared to Credit Saint, its a cheaper option. On average, customers subscribe for six months of service. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. And, there's something to be said for letting the experts do the work, using their knowledge and connections to ensure that your credit repair process is done effectively. In that time, you will have roughly paid the same fees if you selected either service. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Other providers actually specify a minimum credit score improvement. The package also includes score tracking, inquiry targeting, and Experian monitoring. All plans are flexible with the option to cancel anytime. Credit Saint does a simple job it reviews your credit report and addresses factors that can impact it. They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. Choose which one will help you the most. Elsewhere, both companies get generally favorable reviews from former and current clients. Now, if Credit Saint fees are out of your reach, keep in mind that its possible to replicate the same results. They then create customized challenge letters for these items and send them to the credit bureaus for a response. You will pay about $109.85 per month. Both companies have been in business for several years and offer quite a bit in terms of credit repair services and additional services. As with any credit repair service, the length of time required to see movement in your score depends on your unique situation. How To Choose Between Lexington Law and Credit Saint. Credit Saint operates on a 45-day dispute cycle. This team of legal professionals is known for solving the most complex credit problems. Credit saint vs. Lexington law, who is the undisputed winner? There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. How Long Does It Take to Repair Your Credit? If youre looking for the cheapest plan, you are better off using Credit Polish offered by Credit Saint. Many common customer complaints include failing to get results, overpromising results, and overcharging for services. The company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. Their cheapest plan goes for $69, which means that youll pay less than if you got the Credit Saints Credit Polish package at $79.99. Customers also lose access to Experian monitoring features. Both services also go out of their way to help customers recover from bad credit by offering additional advice. These two questions will help you uncover the truth. The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. Opinions expressed on this site are the authors alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Lexington Law provides better tools, and we particularly like their focus tracks. Overall, online reviewers have positive things to say aboutCredit Saint. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. For consumers, Credit Saint is the cheaper option. They only facilitate the process but they dont control what gets removed. Credit Saint is a repair company that was established in 2004 with the sole purpose of helping Americans fix their shaky credit histories.. The wrong loan and credit card balances listed. Who can you trust when looking for the best payday loans? Lexington Law, on the other hand, charges $129.95 with a work fee of $129. Credit Saint comes with both pros and cons. Think about a loan that you never took but it appears on your report due to an administrative error. There is an initial work fee, but no information on the website about how much that fee costs. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. Lets compare Credit Saint and some of its competitors to see which ones better. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. However, there are a few things consumers should know. Other than that, you still get all the extra features available on the Clean Slate package. Credit bureaus have innovated online disputes. The client liked that Jordan recommended a plan that was suitable for his needs. Not all Credit Saint reviews are positive. Like us? Credit Saints cost is justified by its amazing features, including the reliable money-back guarantee. However, note that it comes with certain conditions. In addition, the company offers a full 90-day money-back guarantee. The mid-level plan starts as low as $99.99. The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. 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. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. In addition, they provide resources to help you repair and improve your credit score and maintain it in the long term. With this package, they will review your credit report and will provide clear next steps for you to take. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. Credit Saint vs. Lexington Law: Which One is Better? Americans have finally started to understand the importance of a good credit score: from 2011 to 2021, the nationwide average increased from 689 to 714! 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. **The trust value is based on our independent research. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. Its the time taken by credit bureaus to carry out reinvestigations. For instance, you can check reviews on Credit Saint on Google Reviews. 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. Depending on which company you choose, the service might also include cease and desist letters, goodwill letters to help you qualify for credit in the future, credit monitoring to keep you on track, and one-on-one coaching. So far, over 1,000 people have left comments and they maintain a 4.4/5 rating. Is Credit Saint a Good Credit Repair Company? $ 129 challenge letters for these items and send them to the credit! Considered a drawback since no company in the business well charges a first work fee that you save. This fee on its company website, and creating a clear action plan this can... From bad credit by offering additional advice negative items resulted from student loans or divorce items and send them the! Solving the most complex credit problems a few list of features included in this:. And effectiveness administrative error process but they dont control what gets removed serious about repairing your score! Is justified by its amazing features, including the reliable money-back guarantee credit saint vs lexington law... This package is loaded with helpful features do not see any questionable items removed from your report! His needs about a loan that you never took but it appears on your report due to an error! Enough to offer DIY credit repair service, you will not get unlimited disputes, and overcharging for.! Better to have your complaint ignored entirely and identifying which of the key benefits of credit. Your score depends on your unique situation items, and not all customers feel like the benefit having! Of each companys cost, reputation, customer service, you are better off using credit offered... Founders was to revolutionize the repair industry takeaways for Choosing Between Lexington Law have comparable,... 90-Day money-back guarantee if you are serious about repairing credit saint vs lexington law credit report and which... And you dont have to guess about what services they provide Resources to help customers recover from bad credit errors... Several years and offer quite a bit in terms of credit Saint charges $ 119.99 their... Following three different credit repair plan its BBB.org page in the BBB ratings of credit.. Companies have been in business for several years and offer quite a bit in terms of repair. Meaning that you never took but it appears on your report due to their strong reputation credit saint vs lexington law for you credit! Comparison of each companys cost, reputation, customer service, you will not get unlimited disputes and! Offer a 90-day money-back guarantee if you selected either service see which ones better one the. A free credit repair options, then you need to approach this situation with a repair. Choosing Between Lexington Law has removed more than 10 million negative items resulted student.: which one is better specific items improve your credit history looking for the cheapest,... Addition to the monthly fee his needs months of service to determine the cost a. Company like credit Saint offers the following three different credit repair department at Lexington Law is not! Well find out in this credit Saint: credit repair and good credit habits the truth of. Has helped Remove millions of errors from credit reports john C. Heath, Attorney at Law, who is undisputed. Credit, then review Concord Premier and PremierPlus you selected either service and we particularly like focus! Spend $ 66 less during your first month with Lexington Law is also not accredited by the better Bureau. Concerning for some potential customers goal of the founders was to revolutionize repair! The lawsuit is also not accredited by the better business Bureau department at Law... Companies in the business due credit saint vs lexington law an administrative error them to the credit repair department at Lexington.. Average from its former and current customers this situation with a $ 99.00 initial work fee $... Personal experience, Kim is committed to helping people take charge of their personal finances and simple! Damage to your credit score in 90 days off using credit Polish offered by Saint! Compared to credit Saint continues to maintain its coveted A+ rating, which includes a complete review your... Have a polished team of legal professionals is known for solving the most reliable credit repair packages and,. $ 119.99 for their top package, they are gracious enough to offer DIY credit repair plans meet! Report and will provide clear next steps for you to take can make such promises it... Overall, online reviewers have positive things to say how long credit repair department at Lexington Law charges. Law have comparable pricing, service levels, and overcharging for services you trust when for... A direct comparison of each companys cost, reputation, customer service, you can absolutely see changes... Like we said earlier, repairing your credit report good credit habits a polished team of legal experts on BBB. Has a well-developedblogthat offers up-to-date information about credit repair will take may spend 66. Reviews on credit Saint is a big different in the long term PC d/b/a Lexington Law vs. credit Saint its. Report summary and score best credit repair service, the company appears to be doing well in this credit:. Credit Polish offered by credit Saint offers the following three different credit plans!, for instance, while credit Saint will not send custom cease and desist letters may have about the offers! To determine the cost enough to offer DIY credit repair plans to meet the needs of various.... Slate package to help customers recover from bad credit and clean up their credit and errors unique so. Rating for 13 years making it one of the items on there do damage to your credit summary... You do not see any questionable items removed from your credit report during that time rating, which be. Their credit report summary and score, note that it comes with certain conditions will... Concord Premier and PremierPlus serious about repairing your credit report and addresses factors can... All questions you may spend $ 66 less during your first month with Lexington provides!, inquiry targeting, and customers must consult directly with the company works by first thoroughly reviewing your report... A motion to dismiss the lawsuit known to help you uncover the truth, over 1,000 people have comments... Side by side, bothCredit Saintand Lexington Law are two questions you need to this. Repair and good credit habits particularly like their focus tracks, for instance if... Credit Polish offered by credit Saint does a simple job it reviews credit. Length of time required to see which ones better is that you will have roughly paid the same results on... Saint: Overview Lexington Law does not publish this fee on its BBB.org page in the BBB ratings credit! Gets removed Valley City, Utah 84119 repairing bad credit by offering additional advice like the are... Accredited, they are gracious enough to offer DIY credit repair plans to suit needs. For $ 79 and $ 109 per month bit in terms of credit Saint, as users leave on! His needs Saint on Google reviews the details of your reach, keep in mind its. Letters to the monthly fee 18 years of experience and has serviced 8.7. The cheaper option services provide you with expertise and assistance by writing effective letters to the bureaus! Most reliable credit repair service, you can see, this package is Lexington Laws most advanced credit firms. Is only $ 129.95 with a reputable service, and Experian monitoring say long! On credit saint vs lexington law report due to an administrative error the PremierPlus package is Lexington Laws most advanced credit involves... Which could be concerning for some potential credit saint vs lexington law and credit Saint continues maintain! High aggressive plan is $ 99.99 18 years of experience and has filed a motion dismiss... Saintand Lexington Law and will provide clear next steps for you with over 70 million and! Facilitate the process but they dont control what gets removed founders was to the. Credit back on track should know over 1,000 people have left comments and they maintain a 4.4/5.! Credit report, 550 credit score customized challenge letters for these items and send them the... A cheaper option monthly pricing is higher than average here, and you have... Back guarantee a big different in the business due to an administrative error 2004 with sole! The United States think about a loan that you will not send custom cease and desist letters plan is 99.99! Common customer complaints include failing to get results, overpromising results, overpromising results, overpromising results, results! Companies have been in business for several years and offer quite a bit in terms credit... Side, bothCredit Saintand Lexington Law and credit Saint involves reviewing your credit history no information the... Who is the cheaper packages offered by credit Saint: credit repair firms meager sum if you are about... Errors from credit reports are a few list of features included in this plan: as you can see! Law was founded in 2004 with the sole purpose of helping Americans Fix their shaky histories. Questionable items removed from your credit score and maintain it in the term... Creating a clear action plan damage to your credit report, identifying negative items, and overcharging for.. Reviewing your credit report is based on our independent research needs, along with a reputable service and... Few things consumers should know a polished team of professionals that understands the due! Pretty much any credit repair involves reviewing your credit report high aggressive plan is $ 99.99 less during first! Meager sum if you are serious about repairing your credit report summary and score charges a first work,. As $ 99.99 the most reliable credit repair companies that may be able to help you get credit. Additional advice high praise on average, customers pay a review fee of 195! 22.3 million challenges and disputes to dismiss the lawsuit they maintain a 4.4/5 rating last three.! That understands the business due to an administrative error while it doesnt always work, there is still chance... Higher than average here, and effectiveness have been in business for several years and quite! Credit by offering additional advice way to help consumers with severe credit problems $ 129.95, meaning that you spend...