credit saint vs lexington law

You will find many Credit Saint reviews on the Internet. It also includes a credit analysis component. Credit Takeoff strives to keep our information accurate and up to date. Like us? This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. Hiring a credit repair provider can save you a significant amount of time and hassle. Credit Saints cost is justified by its amazing features, including the reliable money-back guarantee. Credit Saint has a better basic package as it includes the score tracker and score analysis. 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. And a credit repair company may come to the rescue. This engagement demonstrates that they do care about addressing concerns and remedying issues. As with any credit repair service, the length of time required to see movement in your score depends on your unique situation. While it is pretty reliable and popular, it doesnt have a very good BBB rating, unlike Credit Saint. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. #1 CreditRepair.com. Credit Saint vs. Lexington Law: Who is Better? The companys LinkedIn profile shows that they have about 43 employees. (2023). Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. The Credit Pros Review: Best Credit Repair Company? It is a relatively small number compared to their popularity in the repair industry. Its better to have a response than to have your complaint ignored entirely. Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. You will need to pay an initial setup fee of $99. 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. Whos faster Lexington Law or Credit Saint? They bring years of experience to the table and a team of credit repair analysts who are industry veterans. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee You've heard of couples therapy, but what is it and whom is it for? 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. The PremierPlus package is Lexington Laws most advanced credit repair plan. This shouldnt be considered a drawback since no company in this niche can make such promises. In addition to legal representation, they also offer a credit monitoring and repair service that comes in three different tiers. 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. Its not necessarily a reflection of the quality of their services. Credit saint vs. Lexington law Which one is the best? 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. The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. But if you are serious about repairing your credit, then you need to approach this situation with a long-term mindset. It was the same year that John C. Heath became the directing attorney. In 2004, the law firm began focusing on offering credit repair services. Lexington law comes off as the better service when it comes to free credit guides. When analyzing the professionalism of their customer support reps, we also reviewed how they respond to complaints. Overall, the process takes as long as needed to remove as many negative items from your report as possible. There is something scary about looking at your credit report and finding items that you do not find justified or valid. You know your credit situation better than anyone else, so take this decision seriously. Lexington Law takes a personalized approach to credit repair. This is comparable to other credit repair services, and we like that Lexington Law offers a range of service levels designed to accommodate all budgets. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. However, The Credit Pros has a top plan that is more expensive than Credits Saints most aggressive package. Let's [] They claim that this helps them fastrack the preparation of the initial first round of disputes. Many common customer complaints include failing to get results, overpromising results, and overcharging for services. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. Both plans provide score analysis, credit report updates, and inquiry targeting. They further stated that their 90-day refund policy applies to customers who have not seen any removals. It has a company mobile app (Apple and Android) where you can monitor account progress from the convenience of your phone. A careful review of hundreds of past user reviews reveals the dedication and selfless services offered by Credit Saints representatives. The company appears to be doing well in this department. 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. They will help you dispute errors on your credit report,remove late payments, and more. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. With this package, they will review your credit report and will provide clear next steps for you to take. Credit Saint is a credit repair company that helps consumers repair their credit. Credit Sainthas three tiers of services, with pricing that ranges from $79.99 per month to $119.99 per month. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. Couples discounts & regular work-free promotions. If youre undecided about credit repair,Credit Saintoffers a complimentary consultation, so you can ask questions and get more information about their services. Both Credit Saint and Lexington Law charge customers a fee each month for their services. This service which analyzes the positives, includes coaching you on ways to pay your bills and open/close credit cards to maximize your credit score. 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? 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. On the other hand, Lexington Law is quite vague regars to the speed of their service. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. provides you will all of the features included in the standard plan and the addition of Credit Report Watch Alerts. Like we said earlier, repairing your credit is a long process. 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? CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. This plan costs $119.95/month. 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. This means there are more than 40 million reports to take care of. So, shopping around for credit repair firms is highly advised. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. 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. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint. A lot of companies in 2022 promise to Disclaimer: We provide free content for our users. There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. If you have a bit of time to spare, consider checking more CreditSaint reviews that corroborate the great input of the individual advisors. They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. 89% of Lexington Law customers that have experienced improvement with the service have increased their credit score by at least 40 points. For some complaints, they were willing to offer refunds. Overall, online reviewers have positive things to say aboutCredit Saint. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. In addition, the company offers a full 90-day money-back guarantee. Dispute Avalanche designed to make things faster. Rejected bankruptcies and defunct collection accounts. 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. 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. 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). Credit saint vs. Lexington law, who is the undisputed winner? Credit repair services typically charge a one-time setup fee and monthly service fees. Which blood pressure supplement is the best? Both Credit Saint and Lexington Law have ways for customers to reach them by phone or email and actively respond to their customers to provide service. Overall, Credit Saint is the cheaper option. 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. 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. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. Both Credit Saint and Lexington Law offer unique credit repair packages. They only facilitate the process but they dont control what gets removed. Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. Lexington Law provides better tools, and we particularly like their focus tracks. But are its programs worth a try? IHG Rewards Club Premier Credit Card Review. 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. Copyright 2021 creditfixed.com All Rights Reserved. The main office is in Mahwah, New Jersey. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. Over 850,000 clients in the last 10 years. Andrew is a credit expert with over 20 years of experience in the industry. This team of legal professionals is known for solving the most complex credit problems. While both companies are BBB accredited, Credit Pros has a current rating of B+. Which foreclosure listing website is the best? You might get a discount if you sign up as a couple, or if you're a current or former member of the military. They choose to issue refunds in some situations and use friendly language when responding to customers. 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. You can also have a better feel of their customer service quality by obtaining their free consultation. And this gives you a chance to ask questions and explore your options. There are several credit repair companies on the internet and while they all claim to be the best, theyre not made equal. The only difference is that you will not get unlimited disputes, and Credit Saint will not send custom cease and desist letters. However, there are a few things consumers should know. 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. From there, credit repair providers work diligently to address the issues and resolve them, for as long as you maintain your subscription to their services. They must make a reasonable faith effort to resolve grievances raised by customers. No clear statistics about how many challenges and deletions theyve successfully entered through the years to improve or repair peoples credit. 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. Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. 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? While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. In a crowded market, it is hard for consumers to choose a credit repair company. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. The customer seemed to be fresh from signing up and expressed that they had a good conversation with Jordan, a company rep. Credit Saint customers know that they can get their money back if there have been no removals in 90 days. This package is more hands-on and gives the customer more control over the entire credit repair process. It leverages digital partnerships to facilitate electronic disputes and provides personal finance tools in its mobile app. How Long Does the Process Take? For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. How Long Does It Take to Repair Your Credit? Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. Credit Saintgets to work right away on your account, so its possible to see positive results within a month or so depending on your situation and the number of negative items on your credit report. Credit Saint works in 45-day cycles. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. Credit Saint prices are a little on the higher side especially in comparison to alternatives. The Consumer Financial Protection Bureau (CFPB), which is the federal agency that handles oversight of the credit repair industry, filed alawsuitagainst Lexington Law in 2019, in which the CFPB alleges the company engaged in deceptive business practices by participating in an affiliate network that directed potential customers to Lexington Law. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. Both companies are established and highly visible players in the business. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. Their four-step process entails: Step 1: Helping clients obtain copies of their credit reports and analyzing them for inaccurate entries to dispute. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. Credit bureaus have innovated online disputes. Stay up to date with the latest reviews. 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). Customers can expect a personalized dashboard to track progress, three credit repair packages to choose from, and a complimentary credit consultation from a credit professional. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. Credit Saint BBB rating is pretty impressive. You can choose from three plans. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. The Clean Slate package is Credit Saints most aggressive credit repair plan. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. We'd love to have you join our community! His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Mike is a recognized credit expert and founder of Credit Takeoff. Actually, their cheapest and most expensive plans differ by about $10. Are you looking to move somewhere new? Plus, it is BBB accredited with very few complaints under the belt. Credit Saint vs. Lexington Law: Whos Better? We only recommend products or services that we would use ourselves and have gone through a significant amount of research before posting. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Credit Saint is a repair company that was established in 2004 with the sole purpose of helping Americans fix their shaky credit histories.. On the positive side, the company provides full support to clients and offers tips on how they can improve their credit rating. However, we must mention that it does not make any promises to boost your score or help you reach a certain number. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? They have two affordable packages, going for $79 and $109 per month. Now that said, Credit Saint is accredited and has an A- rating. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. Unfortunately, not everyone understands what goes into a positive credit history. 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. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. It covers the work performed in preparing the first round of disputes. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. There are so many different ways to go. If there have been deletions within 90 days, Credit Saint may not issue the refund. You know your budget. In a crowded market, it is hard for consumers to choose a credit repair company. Contact us today to learn more and find out about our additional services. Lexington Law offers more value by including cease-and-desist letters and identity protection in their advanced package. Here is a few list of features included in this plan: As you can see, this package is loaded with helpful features. Lexington Law also offers its own smartphone app, which is available for both Apple and Android devices. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. The online account page also allows clients to submit any feedback forwarded by the bureaus. Since 1991, when the company was established, over 10 million negative items have been removed from the consumer reports thanks to the . Because its a real law firm, Lexington Law is different than most other credit repair companies. We were curious how these negative CreditSaint.com reviews were handled. 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. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. Top 4 Lenders for Bad Credit Loans: Compare Rates and Terms. Credit Saintand Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. For instance, you can check reviews on Credit Saint on Google Reviews. Credit Saintalso offers a no-strings 90-day money-back guarantee. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. The company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. Each plan varies in offerings and is priced differently. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. Credit Saintreceives high praise on average from its former and current customers. 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. An achievement that should not go unnoticed. The positive BBB rating of Credit Saint suggests that the company has good customer service and handles complaints and inquiries satisfactorily. 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. In contrast, Lexington Law's BBB rating is only a C. Review winner: Credit Saint Credit Repair Results of LExington Law Vs. Credit Saint Now, this does not mean that they will allow you to challenge all negative entries at once. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. During the session with a rep, ask all pressing questions about repairing bad credit and errors. Is Credit Saint or Lexington Law Cheaper? 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. If you are serious about repairing your credit, it makes a good option that is relatively risk-free for the first three months. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. A live agent will also contact you to talk about the details of your credit history. Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. As previously stated, they are known to help consumers with severe credit problems. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. They provide various templates you can use when challenging the bureaus and information furnishers. Like Credit Saint, Lexington Law also offers three different credit repair options to meet the needs of various clients.

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