Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. 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. Disclaimer: We offer completely free content to our users. It also enjoys anA ratingfrom the Better Business Bureau (BBB) and its one of a handful of credit repair companies accredited by the BBB. Credit Saint vs. Lexington Law: Whos Better? We were curious how these negative CreditSaint.com reviews were handled. Lexington Law is not accredited by the Better Business Bureau. During the session with a rep, ask all pressing questions about repairing bad credit and errors. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. Not only is Credit Saint a BBB accredited business, but all programs come with Credit Saint's 90-day Money Back Guarantee. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Which tax relief service is right for you? However, articles or reviews may contain affiliate links and we may earn a commission. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. At this level,Credit Saintoffers unlimited disputes each dispute cycle, plus all the features included in the Credit Polish and Credit Remodel packages. Despite being the cheapest plan, it comes with comes impressive features including: You will have the option to cancel anytime or apply for a full refund if the company fails to remove any item within 90 days of account opening. From here, you can get status updates, progress reports, and other information about your account and your credit. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. Credit Polish is Credit Saints most basic credit repair package. Follow us! 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. Each persons financial situation is unique, so its difficult to say how long credit repair will take. SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. Credit Saint bills this package as the most aggressive. 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! **The trust value is based on our independent research. And if you need to upgrade to another package, you can. This helps pay for our writers time in order to provide meaningful and helpful information to get our readers on the path to better credit. These options range from basic to aggressive credit repair services. The company is also an actual Utah-based law firm that deals with other legal matters as well. Overall, online reviewers have positive things to say aboutCredit Saint. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. We personally recommend Credit Saint, but ultimately, the decision is up to you. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. Lexington Law is one of Credit Saints major competitors. When choosing a credit repair company to work with, there are a few things you need to consider. Both services are trusted leaders in the credit repair industry and are known for delivering reliable services. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Credit Saint has a 45-day repair cycle. It covers the work performed in preparing the first round of disputes. Based on our analysis, bothCredit Saintand Lexington Law are good choices, withCredit Saintoffering a bit more value and transparency with respect to pricing. For this reason, many people enlist the help of a credit repair company to assist with the task. It takes time to file disputes with all three credit bureaus, review your credit report, and identify what items can be removed. 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. If you are serious about repairing your credit, it makes a good option that is relatively risk-free for the first three months. Credit Saint complaints and positive reviews. There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. Credit Saint has a $99 setup fee for their lower packages and a $195 setup fee for their Clean Slate package, but their monthly costs are less than Lexington Laws. Which blood pressure supplement is the best? Like us? A foreclosure is a process that starts when a borrower fails to pay their mortgage. Credit Repair. On the subject of feedback, reviews on Credit Saint generally focus on the exceptional help provided by the customer representatives. Their cornerstones include determination, revolutionary, integrity, vision, and excellence. Many educational resources on the Lexington Law website help customers understand credit scores and how to improve them. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. Credit Saint prices are a little on the higher side especially in comparison to alternatives. How to Dispute Medical Bills on Your Credit Report? Credit bureaus have innovated online disputes. It all comes down to reputation. Rejected bankruptcies and defunct collection accounts. Although both companies have remained in business for a long time, are well-known, and have served many clients, deciding which one to use is a matter of personal preference. Many common customer complaints include failing to get results, overpromising results, and overcharging for services. The monthly cost for this high aggressive plan is $99.99. However, with so many companies on the market, it can be hard to decide which direction to take. No clear statistics about how many challenges and deletions theyve successfully entered through the years to improve or repair peoples credit. Before making a decision about a credit repair service, its a good idea to read through the positive and negative reviews so you can get a feel for the pros and cons of each service. This is a trustworthy company and we're not overly concerned about their business practices, but you've got other credit repair services to consider that won't charge quite so much. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. 89% of Lexington Law customers that have experienced improvement with the service have increased their credit score by at least 40 points. 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. 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. 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. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. Both Credit Saint and Lexington Law charge customers a fee each month for their services. In addition to legal representation, they also offer a credit monitoring and repair service that comes in three different tiers. Lexington Law vs. Credit Saint: Which One is Faster? The customer seemed to be fresh from signing up and expressed that they had a good conversation with Jordan, a company rep. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. I love, helping people become smarter about their credit and finances. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. With Clean Slate, you get unlimited challenges to all three credit bureaus, inquiry targeting, score analysis, creditor interventions, score tracker, Experian monitoring, and cease & desist letters. Clean Slate Credit repair involves identifying issues with your credit report, Our Ovation Credit review 2022 reaffirms the companys commitment to personalized credit repair. 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. Credit Saint and Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. For instance, TransUnion says that they conclude most disputes within two weeks. Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. But for now, Lexington Law offers more educational resources. 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. Go to the official site, sign up for an account, pay the fee, and the company will get to work right away. Customers expect to see immediate results. Because its a real law firm, Lexington Law is different than most other credit repair companies. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. Furthermore, repairing your credit is not an overnight fix. Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. However, those who are willing to wait are usually the ones who see remarkable results. Which one is the best for you? Well find out in this Credit Saint review and answer all questions you may have about the company. Credit Sainthas three tiers of services, with pricing that ranges from $79.99 per month to $119.99 per month. Your credit score even directly impacts the cost of your New Jersey auto insurance. They are trailblazers, innovators, and above all, credit experts. 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 It was the same year that John C. Heath became the directing attorney. We break down the benefits and possible drawbacks of both services, so you can choose whichcredit repairservice is right for you. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. And this gives you a chance to ask questions and explore your options. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. Credit Saint is a repair company that was established in 2004 with the sole purpose of helping Americans fix their shaky credit histories.. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. It allows for unlimited disputes during each billing cycle. Where can you find the best online couples therapy? In business since 2004; Over 70 million removals and 22.3 million challenges and disputes; Has represented over 8.7 million clients; 89% of clients with improvement see an average credit score increase of 40 points Lexington law comes off as the better service when it comes to free credit guides. People lost more than $16 billion due to these cases and the problem is only increasing. All plans come with a reliable 90-day money-back guarantee. You will pay about $109.85 per month. 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. 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. The mid-level plan starts as low as $99.99. Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. People with bad credit retain credit repair companies to help them dispute entries on their credit reports and improve their credit scores. In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. 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. Lexington Law may be better prepared to assist customers through negative life events. They also expect customers to have made timely payments in the past. It can remove judgments and help improve your credit score. Credit Saint does a simple job it reviews your credit report and addresses factors that can impact it. Making it possible to keep tabs on your FICO rating as well as your scores from other reporting bureaus using credit monitoring services. If youre considering a credit repair service, its important to take positive and negative reviews as a whole before you make a decision. These are things to consider as you begin to repair your credit. 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. If you choose this one, you will also have to pay the first-work fee of $195. 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. 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. The goal of the founders was to revolutionize the repair industry. They also have mobile apps for easier progress tracking. Credit Saint also begins its repair process within 48 hours. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. The service has accumulated about 47 complaints on its BBB.org page in the last three years. Which paid survey companies are the best? They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. We only recommend products or services that we would use ourselves and have gone through a significant amount of research before posting. Some customers might like the benefit of having these types of legal experts on their side. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. All three credit repair packages come with a 90-day money-back guarantee, and you can cancel any time without penalty. When going over Credit Saints services, one thing that stands out is that they dont make such promises. Where can you find the best, most affordable online doctors? From your credit report, and effectiveness improve your credit report and addresses factors that can be removed it! 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