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. However, there are a few things consumers should know. These two companies have many similarities but also some differences that may be important when deciding between the two services. This is not found in the other two packages, and depending on the severity of your situation, you may need more than 5 10 disputes to truly move the needle. Credit Saint operates on a 45-day dispute cycle. It is a well-known credit repair company in the industry that offers some great features. It is one of the few companies that have an A+ Better Business Bureau rating. It helps them achieve faster outcomes. Credit repair involves identifying issues with your credit report, Our Ovation Credit review 2022 reaffirms the companys commitment to personalized credit repair. 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. This means you will get your money back if the company fails to remove any inaccurate items from your report within 90 days of signing up. The mid-level plan starts as low as $99.99. 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. If there have been deletions within 90 days, Credit Saint may not issue the refund. You will find excellent online resources on the platform to help you know more about how credit scores work and what you can do to have an impressive score. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. Your credit score could, Wondering if a 550 credit score is good or bad? This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. Overall, the process takes as long as needed to remove as many negative items from your report as possible. Takeaways for Choosing Between Lexington Law and Credit Saint. A few credit repair services guarantee that you'll see those deletions within the first three months, and you'll get a refund of any fees paid if that doesn't happen. This makes it easy to monitor your account and the credit repair process on the go. 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. 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. Your representative will discuss your credit history in detail, help you identify actionable items, and give you a recommendation for which services are best suited to your needs. 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. You also get disputes for bankruptcies and repossessions. These things suggest the companys customer service pleases its customers. Regarding customer service, Lexington Law has many more complaints lodged against them than Credit Saint does. 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. Sky Blue is one of the oldest repair companies. 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. 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. Additionally, looking at customer reviews shows that Lexington Law has significantly more negative reviews than Credit Saint. There is something scary about looking at your credit report and finding items that you do not find justified or valid. In contrast, Lexington Law's BBB rating is only a C. Review winner: Credit Saint Credit Repair Results of LExington Law Vs. Credit Saint It all comes down to reputation. The team members are mainly based in New Jersey and the New York Metro Area. You will pay about $109.85 per month. It was the same year that John C. Heath became the directing attorney. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. However, articles or reviews may contain affiliate links and we may earn a commission. They further stated that their 90-day refund policy applies to customers who have not seen any removals. Lexington Law vs. Credit Saint: Customer Service. Credit Saint bills this package as the most aggressive. There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. 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. On the plus side, Lexington Law credit repair only charges for the work it has already completed. Actually, their cheapest and most expensive plans differ by about $10. This can offer a great deal of peace of mind when youre worried about getting yourcredit score back on track. 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. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. All three packages come with a $99.00 initial work fee that you pay upfront once in addition to the monthly fee. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Credit Saint is accredited and highly rated with an A by the BBB, whereas Lexington Law has a C rating with the BBB and is not accredited. However, note that it comes with certain conditions. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. Credit Saint and Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. Customers also lose access to Experian monitoring features. Each text is published after its detailed proofreading. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. Moreover, this firm is applauded by previous customers who highlight Credit Saints transparent operation and commitment to results. But for now, Lexington Law offers more educational resources. Both Lexington Law and Credit Saint offer robust credit repair packages. If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. 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 this, there are several other issues that the company can take care of on your behalf. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Where can you find the best, most affordable online doctors? His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Lexington Law firm is another large and well-known credit repair agency that offers similar services to Credit Saint. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. Then you'll be billed $80 per month (or more), with la carte pressing options available for extra features or services. This means there are more than 40 million reports to take care of. We personally recommend Credit Saint, but ultimately, the decision is up to you. The last thing you want to do is incur more debt. Additionally, take advantage of the free credit consultations. You shouldn't expect miraculous, rapid increases in your credit score - most credit repair processes result in a modest increase of about 40 points, though some may bring you up by 100 points or more - but it could be what makes the difference for your financial goals and credit needs. In a past comment, they mention that they go after half of the available items to dispute. If youre serious about repairing your credit and obtaining a good credit score and looking for a credit repair company to help you with the task, Credit Saint is one of the best credit repair companies to consider. Rather than jumping to conclusions, we will first present facts about the two credit repair services. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. We'll keep you informed, and we'll never sell your information to anyone. Lexington Law offers three different levels of credit repair services ranging from $89.95 per month to $129.95 per month. Choose a credit repair package that you can afford and aligns with your financial goals. Top Rated Services. Using the incorrect name, address, or Social Security number. Again, these are things you need to consider. Copyright 2021 creditfixed.com All Rights Reserved. Their cornerstones include determination, revolutionary, integrity, vision, and excellence. It leverages digital partnerships to facilitate electronic disputes and provides personal finance tools in its mobile app. Its a great place to see their office photos too. Customers expect to see immediate results. 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 Learn more >. Its the time taken by credit bureaus to carry out reinvestigations. Credit Saint offers consumers three straightforward packages that are each designed to meet a different need. Now, this is not a high-stakes choice. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. #1 CreditRepair.com. Both companies have been in business for several years and offer quite a bit in terms of credit repair services and additional services. The PremierPlus package is Lexington Laws most advanced credit repair plan. Lexington law comes off as the better service when it comes to free credit guides. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. Now, if Credit Saint fees are out of your reach, keep in mind that its possible to replicate the same results. Protection against identity theft services. The team even sent his day one and final-day credit report showing the positive changes after their repair process. Customers must receive a free credit consultation with Lexington Law to receive complete pricing. Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? These errors can impact your score and lead to issues in the future. Be sure to check out the reputation of any credit repair service you're considering: customer feedback, number of years in business, and the service's BBB rating are all helpful indicators of a provider's trustworthiness. With the facts presented before you, we hope our research provides clarity to your situation. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. Which foreclosure listing website is the best? You can find some recent articles in their blog section. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. If you only need one or two negative items from your credit report, then this plan is a great place to start. 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. The company is an excellent option if youre serious about fixing your credit. In our recommendation, Credit Saint outperforms Lexington Law overall. 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 company has a 4.4-star average rating across more than 1,100 Google reviews, with the majority of reviewers praising the companys responsiveness, professionalism, and results. Sky blue charges up front. So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. Over 850,000 clients in the last 10 years. BothCredit Saintand Lexington Law offer three pricing levels with comparable costs at each level of service. There are a lot of credit repair companies to choose from, and it can be hard to know which one is the best fit for your needs. 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. Hiring a credit repair provider can save you a significant amount of time and hassle. Lexington Law is one of Credit Saints major competitors. 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. Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce. The package allows customers to go after ten negative items per billing cycle. In this highlighted review, the client complained about not seeing any removal but getting charged for the service. A foreclosure is a process that starts when a borrower fails to pay their mortgage. For some complaints, they were willing to offer refunds. 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. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. Most credit repair services offer a free consultation, to determine if you're eligible for their help and which approach to take in your specific case. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. It covers the work performed in preparing the first round of disputes. Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. They have two affordable packages, going for $79 and $109 per month. Unfortunately, Credit Saint does not have a robust blog on its website; however, that is changing according to our research. Call us today to take advantage of our no-obligation offer. You will find many Credit Saint reviews on the Internet. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. They also expect customers to have made timely payments in the past. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. So, all-in-all, this package is not that different from their Clean Slate offering. Both companies are established and highly visible players in the business. Lexington Law is not accredited by the Better Business Bureau. They then create customized challenge letters for these items and send them to the credit bureaus for a response. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. 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. $600 child tax credit is central to Healeys new tax relief package. 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. Lexington Law vs Credit Saint: Whos Better? Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. Free consultation and 90-day money-back guarantee. It has a C rating with the BBB and is not an accredited BBB company. When analyzing the professionalism of their customer support reps, we also reviewed how they respond to complaints. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. The only claim to dispute nonfactual information in the credit report. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. Credit Saint also begins its repair process within 48 hours. This team of legal professionals is known for solving the most complex credit problems. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. 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! Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. 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. It's no secret that businesses want to know what consumers think. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. Andrew is a credit expert with over 20 years of experience in the industry. Go to the official site, sign up for an account, pay the fee, and the company will get to work right away. Credit Saintalso offers a no-strings 90-day money-back guarantee. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee In 2004, the law firm began focusing on offering credit repair services. Fortunately, there are ways to remove incorrect items. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. Credit Saintreceives high praise on average from its former and current customers. All of us feel a little overwhelmed sometimes, and it's nice to have support when times are rough. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. It is quick and easy, but dont expect tailored insight or advanced credit repair options. UnlikeCredit Saint, however, Lexington Law is not accredited by the BBB. We're confident that this information will give you everything you need to choose the right partner in your journey towards a fantastic credit report! They bring years of experience to the table and a team of credit repair analysts who are industry veterans. 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? Credit Repair. One of the key benefits of bad credit loans is their flexibility. Well, there are no significant differences. You will need to pay an initial setup fee of $99. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. An achievement that should not go unnoticed. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. It also includes a credit analysis component. But if you have a lot more to spend, you may get more value by choosing Lexington Laws Advanced package. With Credit Saint, the initial free review includes a professional analysis of your credit reports. Additionally, you will get a personalized dashboard to track progress, creditor interventions, score analysis, and score tracker. view details Credit service companies cannot promise a result or credit score increase. Unfortunately, live chat is not available right now but you can get in touch with the team via email or the ticketing system or phone that is available 5 days a week. And a credit repair company may come to the rescue. Not only is Credit Saint a BBB accredited business, but all programs come with Credit Saint's 90-day Money Back Guarantee. These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. It was the same year that John C. Heath became the directing attorney. Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. 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. They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. The parent company supplies patented technologies used by Lexington Law and other consumer brands such as creditrepair.com and credit.com. 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. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. The Credit Pros Review: Best Credit Repair Company? Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. Credit Saint vs. Lexington Law: Whos Better? Highlight credit Saints transparent operation and commitment to personalized credit repair involves issues... Deciding between the two companies have many similarities but also some differences that may important... Creditrepair.Com and credit.com items from your credit reports praise on average from former! 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