8.2 million removals and 26+ million challenges and disputes since 2012. Their latest feedback as of July 8, 2021, is a 4-star rating. Unfortunately, Credit Saint does not have a robust blog on its website; however, that is changing according to our research. 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. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. Credit Saint edges Lexington Law when it comes to offering downright friendly services. 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. Lexington Law vs. Credit Saint: Which One is Faster? They choose to issue refunds in some situations and use friendly language when responding to customers. Typically, most investigations are concluded within 30 days, but credit bureaus can add 15 days if necessary. The service has accumulated about 47 complaints on its BBB.org page in the last three years. Credit Saintis more transparent about its enrollment fees, whereas Lexington Law makes it difficult to know exactly how much youll pay for a first work fee when you sign up for services. Both Credit Saint and Lexington Law offer unique credit repair packages. Their FAQ section also contains a list of commonly asked questions about the service. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. With that said, Lexington Law is still a noteworthy credit repair firm, but it is best to shop around and see what other options are available. The Credit Pros Review: Best Credit Repair Company? A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. For instance, TransUnion says that they conclude most disputes within two weeks. Both companies are careful to note that its hard to know how long it will take to see results with their services, and Lexington Law correctly states that its illegal for any credit repair company to guarantee results. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. Using the incorrect name, address, or Social Security number. The company is also an actual Utah-based law firm that deals with other legal matters as well. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Lets review the details of each package. Call us today to take advantage of our no-obligation offer. In the Google Play store alone, Lexington Law has an average 4.5-star rating out of more than 18,000 reviews. Both Credit Saint and Lexington Law charge customers a fee each month for their services. On the other hand, Credit Saint has not been specific about its use of electronic disputes. 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. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce. You can follow them on their social media pages for updates when they publish new guides. Credit Saint BBB rating shows that the company is reliable and loved by people. It covers the work performed in preparing the first round of disputes. In addition to this, there are several other issues that the company can take care of on your behalf. Credit Takeoff strives to keep our information accurate and up to date. includes everything in the Credit Polish plan but adds the additional value of inquiry targeting and up to 10 challenges to the three credit bureaus every dispute cycle. Furthermore, repairing your credit is not an overnight fix. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. Its better to have a response than to have your complaint ignored entirely. It allows for unlimited disputes during each billing cycle. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Not only is Credit Saint a BBB accredited business, but all programs come with Credit Saint's 90-day Money Back Guarantee. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. 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. How Long Does It Take to Repair Your Credit? Top Consumer Reviews. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. In a crowded market, it is hard for consumers to choose a credit repair company. Credit Saint responded by saying that a manager had reached out to the client after confirming that there were removals for his account. A careful review of hundreds of past user reviews reveals the dedication and selfless services offered by Credit Saints representatives. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. Purchases made through links may earn a commission. Regular membership goes for $119.99. This information may be different than what you see when you visit a financial institution, service provider or specific products site. The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. But are its programs worth a try? Seeing tangible results can motivate you to stay on track with maintaining good credit. Credit Saint also offers their customers a 90-day money-back guarantee, which indicates that they care about customer satisfaction, stand behind their product, and strive to obtain actual customer results. Sky blue charges up front. Customers also like tracking their results and always seeing where they are in the credit repair process. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. 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. Both services also go out of their way to help customers recover from bad credit by offering additional advice. The team members are mainly based in New Jersey and the New York Metro Area. Where can you find the best, most affordable online doctors? Credit Saint vs Lexington Law vs Sky Blue vs CreditRepair.com vs Ovation 2022 CREDIT S2E216 5,446 views Jul 16, 2021 121 Dislike Share The Awesome S'witty Kiwi Show Credit Saint vs. 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. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. The two businesses provide similar services. Free online consultation. 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). If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. 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. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. When you sign up for aCredit Saintaccount, you also get access to a customer dashboard. But for now, Lexington Law offers more educational resources. 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. Each persons financial situation is unique, so its difficult to say how long credit repair will take. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. Monthly fees from $69.95 to $119.95, plus first-work fee equal to one month's payment. In addition to legal representation, they also offer a credit monitoring and repair service that comes in three different tiers. They are trailblazers, innovators, and above all, credit experts. 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. On their website, they claim most customers stay with them for 6 months. Founder of Credit Repair Partner. These options range from basic to aggressive credit repair services. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. The company website has an educational blog that provides customers with valuable information about credit repair. Their website contains more information, and you dont have to guess about what services they provide. Customers must receive a free credit consultation with Lexington Law to receive complete pricing. Since that time, they've opened offices in 17 states and become licensed in most of the rest. Here are the details: The cheapest plan starts as low as $79.99. Having said this, Lexington Law still takes time to respond to complaints. Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. These errors can impact your score and lead to issues in the future. Now that said, Credit Saint is accredited and has an A- rating. Overall, Credit Saint is the cheaper option. Credit Sainthas three tiers of services, with pricing that ranges from $79.99 per month to $119.99 per month. And let me be crystal clear, this package is loaded with features not included in the other two offerings. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. Not many people are fully aware of what credit repair firms do or why they need to hire one. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. The law firm will provide your TransUnion credit report summary and Transunion FICO score. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. 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? Top 4 Lenders for Bad Credit Loans: Compare Rates and Terms. The plan only allows customers to challenge up to 5 negative entries for each billing cycle. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. BothCredit Saintand Lexington Law offer three pricing levels with comparable costs at each level of service. 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. 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. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. This means being in it for the long haul. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. Thats when the paralegal will reach out after you purchase a package. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. The erasing of outdated inquiries from your credit report. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Thats because you will need to work with someone to identify potential dispute candidates. You can also have a better feel of their customer service quality by obtaining their free consultation. However, we must mention that Credit Saint does not make any such promises and there is no guarantee that the removal of any item will cause your credit score to improve. Think about a loan that you never took but it appears on your report due to an administrative error. Both plans provide score analysis, credit report updates, and inquiry targeting. On the other hand, the company appears to address each negative review, which is a positive sign. These are things to consider as you begin to repair your credit. How does this package stack up to Credit Saints Credit Remodel package? They will go over specific details of your credit history and offer additional techniques for improving your scores. Lets get started: Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. Credit Polish is Credit Saints most basic credit repair package. On the subject of feedback, reviews on Credit Saint generally focus on the exceptional help provided by the customer representatives. Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. The parent company supplies patented technologies used by Lexington Law and other consumer brands such as creditrepair.com and credit.com. 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. Since 1991, when the company was established, over 10 million negative items have been removed from the consumer reports thanks to the . Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? At this level,Credit Saintoffers unlimited disputes each dispute cycle, plus all the features included in the Credit Polish and Credit Remodel packages. With the facts presented before you, we hope our research provides clarity to your situation. But, how much time do you have? The only claim to dispute nonfactual information in the credit report. Now, this is not a high-stakes choice. The client liked that Jordan recommended a plan that was suitable for his needs. 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