On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. Where can you find the best, most affordable online doctors? 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. 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. 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. BothCredit Saintand Lexington Law offer three pricing levels with comparable costs at each level of service. Lexington Law is the biggest advertiser thus they have the biggest problem now. For instance, you can download a 609 letter and pay-for-delete letter template. On the downside, it is not a 100% guarantee. A live agent will also contact you to talk about the details of your credit history. These two companies have many similarities but also some differences that may be important when deciding between the two services. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. Both Credit Saint and Lexington Law offer unique credit repair packages. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. Together, they have helped thousands of consumers repair their credit and clean up their credit report. The two companies have provided credit repair services for several years and have made large impacts on the credit repair industry. In addition to this, there are several other issues that the company can take care of on your behalf. Here are the details: The cheapest plan starts as low as $79.99. According to an FTC report, about 20 percent of people in the country have at least one inaccuracy on their report. For instance, Lexington charges a basic set up fee of $100. Every day, credit reports are pulled by companies and assessed as ways of determining eligibility for mortgages, credit cards, car loans, and many other financial situations. This is one of the biggest misconceptions with the credit repair industry. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. 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. Both brands have built up a loyal following and have good reviews on TrustPilot. Customers must receive a free credit consultation with Lexington Law to receive complete pricing. Keep in mind that laws prevent any company that repairs credit from guaranteeing customers that they will see specific results as every credit repair situation is different, and various factors determine results. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. It also enjoys anA ratingfrom the Better Business Bureau (BBB) and its one of a handful of credit repair companies accredited by the BBB. This may impact how, where, and in what order products appear. However, in our opinion, the best bang for your buck is Credit Saint. Additionally, Lexington Law's most advanced service level is more than Credit Saint's most advanced package option. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? Credit Saint offers their cheapest package for $79 per month. Sky blue charges up front. They have two affordable packages, going for $79 and $109 per month. These errors can impact your score and lead to issues in the future. Credit Saint has a 45-day repair cycle. These tools will help you pay off your debt and budget your money. With the facts presented before you, we hope our research provides clarity to your situation. Its not necessarily a reflection of the quality of their services. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. We'd love to have you join our community! It has a company mobile app (Apple and Android) where you can monitor account progress from the convenience of your phone. Takeaways for Choosing Between Lexington Law and Credit Saint. Elsewhere, both companies get generally favorable reviews from former and current clients. Top Reviews. 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. 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. 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? Moreover, this firm is applauded by previous customers who highlight Credit Saints transparent operation and commitment to results. Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce. These two questions will help you uncover the truth. 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. Lexington Law boasts of its effectiveness on its website by providing data that backs up the fact that they receive real results for their customers. Customers are always encouraged to reach out to the company directly. Copyright 2021 creditfixed.com All Rights Reserved. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. On the positive side, the company provides full support to clients and offers tips on how they can improve their credit rating. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. Credit Saint offers a 90-day money-back guarantee, while The Credit Pros doesnt make any refund promises. They only facilitate the process but they dont control what gets removed. The company is an excellent option if youre serious about fixing your credit. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. provides you will all of the features included in the standard plan and the addition of Credit Report Watch Alerts. Seeing tangible results can motivate you to stay on track with maintaining good credit. The package allows customers to go after ten negative items per billing cycle. It leverages digital partnerships to facilitate electronic disputes and provides personal finance tools in its mobile app. Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? Credit Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. Hiring a credit repair provider can save you a significant amount of time and hassle. Not many people are fully aware of what credit repair firms do or why they need to hire one. You can also have a better feel of their customer service quality by obtaining their free consultation. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. They further stated that their 90-day refund policy applies to customers who have not seen any removals. Lexington Law has a YouTube page where they regularly publish client testimonials and short videos on various credit repair topics. These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. The online dashboard allows customers to track the progress of their credit repair. It has a C rating with the BBB and is not an accredited BBB company. Credit Saint and Lexington Law will also help craft cease and desist letters that encourage creditors from continuing to report inaccurate information after it's been disputed. With the Credit Remodel package, Credit Saint will dispute up to 10 inaccurately reported items on your credit report. Which paid survey companies are the best? A good credit repair company will not only help you remove negative items from your credit report from late payments to identity theft, but they will also help you understand your credit score and guide you on how to boost your score and keep it on track long-term. 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. Contact us today to learn more and find out about our additional services. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. 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. Credit Takeoff strives to keep our information accurate and up to date. Also, note that no company can remove legitimate items from a credit report. 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. In addition, they provide resources to help you repair and improve your credit score and maintain it in the long term. 250 Pehle Ave #200, Saddle Brook, NJ 07663, United States. When choosing a credit repair company to work with, there are a few things you need to consider. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. It also includes a credit analysis component. This means being in it for the long haul. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. In a crowded market, it is hard for consumers to choose a credit repair company. Although many individuals attempt to do this task themselves, using a reputable credit repair service can relieve some of the stress associated with the process. However, the biggest takeaway with this package is unlimited disputes. Overall, the process takes as long as needed to remove as many negative items from your report as possible. The client liked that Jordan recommended a plan that was suitable for his needs. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. Which blood pressure supplement is the best? Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. Credit Polish is Credit Saints most basic credit repair package. Offering the first-ever 90-day money-back guarantee in the credit repair industry, Credit Saint is relentlessly consumer-centric. They do this by taking the fight to the individual creditors. They must make a reasonable faith effort to resolve grievances raised by customers. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. Clean Slate That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. Credit Saint does not have transparent statistics published to demonstrate how many customers they have helped over the years and the number of disputes and challenges they have resolved. Do you want to know how to get a 700 credit score in 90 days? Lexington Law takes a personalized approach to credit repair. Each plan varies in offerings and is priced differently. They consistently offer consumers the best results and services. It has one of the best guarantees in the industry, which can be a great reason to give it a try. It allows for unlimited disputes during each billing cycle. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. The company offers excellent customer support and the agents are very friendly. Andrew founded Credit Weld with the vision of providing guidance and solutions for those who are experiencing hardship due to poor credit. 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. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. For some complaints, they were willing to offer refunds. On the other hand, Credit Saint has not been specific about its use of electronic disputes. Most of the actions taken on your behalf by a credit repair service can be done on your own. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. 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. Regular membership goes for $119.99. I worked in the credit repair industry for about 10 years. 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. Both services are trusted leaders in the credit repair industry and are known for delivering reliable services. Is Credit Saint or Lexington Law Cheaper? A foreclosure is a process that starts when a borrower fails to pay their mortgage. 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 However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. The company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. Finally, our readers comes first. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. You will find many Credit Saint reviews on the Internet. We may receive compensation (at no cost to you) when you click on links to those products. Credit Saint is a solid choice for credit repair. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. 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