Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law. All plans are flexible with the option to cancel anytime. Finally, Lexington Laws active pending lawsuit has slightly damaged its reputation among credit repair companies. 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. The company is also an actual Utah-based law firm that deals with other legal matters as well. Both Credit Saint and Lexington Law offer unique credit repair packages. Sky blue charges up front. However, Lexington Law appears to respond to each poor review and customer complaint on the BBB site, so this shows the company is aware of complaints and takes them seriously. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. If we feel this product or service is not to our standards we will not recommend solely due to money. (Ad) If youre thinking about signing up with Lexington Law to help repair your credit, youve come to the right place. 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. Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. So, shopping around for credit repair firms is highly advised. These two companies have many similarities but also some differences that may be important when deciding between the two services. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. Stay clear of any firms that may be making wild claims, such as the ability to boost your scores by 100 points in two weeks. Disclaimer: This post contains references to products from one or more of our advertisers. This shouldnt be considered a drawback since no company in this niche can make such promises. They have two affordable packages, going for $79 and $109 per month. Lexington Law may be better prepared to assist customers through negative life events. Both firms also offer free consultations. Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. 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). Many educational resources on the Lexington Law website help customers understand credit scores and how to improve them. 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). Credit repair involves identifying issues with your credit report, Our Ovation Credit review 2022 reaffirms the companys commitment to personalized credit repair. The company offers excellent customer support and the agents are very friendly. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. There are many credit repair firms out there and if you search for the best credit repair companies, you will definitely come across Credit Saint credit repair. Now, its time for us to render our verdict, and surprisingly, its a tie. BothCredit Saintand Lexington Law offer three pricing levels with comparable costs at each level of service. Gerald is the founder and editor-in-chief of CreditFixed.com. Credit Saint complaints and positive reviews. Some customers might like the benefit of having these types of legal experts on their side. Sky Blue is one of the oldest repair companies. You can find some recent articles in their blog section. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. People with bad credit retain credit repair companies to help them dispute entries on their credit reports and improve their credit scores. Anything over 700 is considered to be "good" and can be the key to opening doors financially - everything from renting an apartment to securing an auto loan or mortgage may rest on your credit report. 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. 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. 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. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. On the other hand, the company appears to address each negative review, which is a positive sign. As previously stated, they are known to help consumers with severe credit problems. Both plans provide score analysis, credit report updates, and inquiry targeting. And a credit repair company may come to the rescue. Credit Saint is the oldest credit repair company in the industry. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. Lexington Law vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. It allows for unlimited disputes during each billing cycle. 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. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. 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. Lexington Law vs. Credit Saint: Which One is Faster? The only claim to dispute nonfactual information in the credit report. And this gives you a chance to ask questions and explore your options. You can also compare Credit Saint vs Lexington Law by exploring all of the top credit repair services. Contact us today to learn more and find out about our additional services. Learn more about our process. The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. Their cornerstones include determination, revolutionary, integrity, vision, and excellence. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. Who provides the best debt relief? Unfortunately, Credit Saint does not have a robust blog on its website; however, that is changing according to our research. Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. But there are two questions you need to ask yourself. 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. Their website contains more information, and you dont have to guess about what services they provide. They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. 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. 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. 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. Again, these are things you need to consider. However, we must mention that it does not make any promises to boost your score or help you reach a certain number. For example, if your report shows your credit utilization to be too high, they might suggest you diversify or go for a new line of credit. 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. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. Credit Saint offers a 90-day money-back guarantee, while The Credit Pros doesnt make any refund promises. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. It helps them achieve faster outcomes. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. 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. Moreover, this firm is applauded by previous customers who highlight Credit Saints transparent operation and commitment to results. This engagement demonstrates that they do care about addressing concerns and remedying issues. Learn more >. An achievement that should not go unnoticed. Credit Saint has developed packages at different prices to cater to a broad range of customers regardless of their budget. How Long Does It Take to Repair Your Credit? You can get in touch with a credit repair company like Credit Saint and have them do the job for you. Customers receive regular updates on progress to ensure theyre fully aware of whats happening. In that time, you will have roughly paid the same fees if you selected either service. Clean Slate Which paid survey companies are the best? Now, this does not mean that they will allow you to challenge all negative entries at once. On the other hand, Lexington Law is quite vague about the speed of their service. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. How To Choose Between Lexington Law and Credit Saint. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. There is a one-time $195 sign-up fee, and then youll pay $119.99 every month youre enrolled. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. Where can you find the best, most affordable online doctors? It has one of the best guarantees in the industry, which can be a great reason to give it a try. The service has accumulated about 47 complaints on its BBB.org page in the last three years. Regarding customer service, Lexington Law has many more complaints lodged against them than Credit Saint does. 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. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. However, their number of years in business, excellent BBB rating, and good customer reviews suggest that they are effective in credit repair and one of the best companies in the business. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. These are things to consider as you begin to repair your credit. For instance, TransUnion says that they conclude most disputes within two weeks. 89% of Lexington Law customers that have experienced improvement with the service have increased their credit score by at least 40 points. The online dashboard allows customers to track the progress of their credit repair. You can trust that when you read any article on Credit Weld, the interest of the reader comes first and the information provided leads to one goal: Improving your credit for life. The erasing of outdated inquiries from your credit report. And a credit repair company may come to the rescue. Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. Most clients see a 40-point increase in their credit score in six months. view details Credit service companies cannot promise a result or credit score increase. Both Credit Saint and Lexington Law are two of the best credit repair companies in the United States. Unlimited custom disputes are available on each plan. They also have mobile apps for easier progress tracking. Its currently under the helm of the original founder, Ross LaPietra. Credit Repair. 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. Using the incorrect name, address, or Social Security number. With the Credit Remodel package, Credit Saint will dispute up to 10 inaccurately reported items on your credit report. 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. It is one of the few companies that have an A+ Better Business Bureau rating. 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. . 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. When going over Credit Saints services, one thing that stands out is that they dont make such promises. The website is not very transparent about the number of challenges included in each plan, and customers need to dig or consult to receive that information. This information may be different than what you see when you visit a financial institution, service provider or specific products site. These tools will help you pay off your debt and budget your money. It all comes down to reputation. However, articles or reviews may contain affiliate links and we may earn a commission. Protection against identity theft services. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. They consistently offer consumers the best results and services. The two companies have provided credit repair services for several years and have made large impacts on the credit repair industry. The establishment is transparent about the lawyers it has on its team. Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. These options range from basic to aggressive credit repair services. They are not accredited and have a C rating. While both credit repair companies have good reputations and similar pricing,Credit Saintedges out Lexington Law in our review. But, how much time do you have? If you search the web for tips on how to repair your credit, you will come across Creditrepair.com reviews. Credit bureaus have innovated online disputes. Blood pressure issues are very common in the United States. Over 70 million removals and 22.3 million challenges and disputes if credit saint vs lexington law feel this product or service not. 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