When analyzing the professionalism of their customer support reps, we also reviewed how they respond to complaints. The monthly cost for this high aggressive plan is $99.99. Credit saint vs. Lexington law Which one is the best? Mike is a recognized credit expert and founder of Credit Takeoff. SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. 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! Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months. Each text is published after its detailed proofreading. But make sure that you are reviewing companies that provide an equivalent level of service. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee Its the time taken by credit bureaus to carry out reinvestigations. There is a one-time $195 sign-up fee, and then youll pay $119.99 every month youre enrolled. #1 CreditRepair.com. The company appears to be doing well in this department. Top Products. Regarding customer service, Lexington Law has many more complaints lodged against them than Credit Saint does. Other providers actually specify a minimum credit score improvement. The team members are mainly based in New Jersey and the New York Metro Area. Customers also like tracking their results and always seeing where they are in the credit repair process. Protection against identity theft services. 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. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. The establishment is transparent about the lawyers it has on its team. How did we arrive at this conclusion? This implies they will send out a new round of credit report disputes every 45-days. 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. You will need to pay an initial setup fee of $99. These two questions will help you uncover the truth. Both Credit Saint and Lexington Law will require your full commitment. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. This can offer a great deal of peace of mind when youre worried about getting yourcredit score back on track. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. Top Consumer Reviews may earn money when you click on a link. Both plans provide score analysis, credit report updates, and inquiry targeting. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. On their BBB.org page, the company responds to complaints within five business days at most. SimpleMoneyLyfe Credit Saint vs. Lexington Law: Who is Better? Sky Blue is one of the oldest repair companies. 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. Today, they continue offering technology-supported credit repair services thanks to their partnership with Progrexion Holding. Call us today to take advantage of our no-obligation offer. The majority of customers are happy with the service. In 2004, the law firm began focusing on offering credit repair services. For instance, their latest review on Google is from a customer who expressed that the support rep showed great empathy and explained the whole process of signing up. view details Credit service companies cannot promise a result or credit score increase. Credit Saint operates on a 45-day dispute cycle. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. 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. Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. Though we'd like to see some data that reflects Credit Saint's successes in improving people's credit reports, we still trust that this provider gets the job done. On the other hand, the company appears to address each negative review, which is a positive sign. 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? This package is more hands-on and gives the customer more control over the entire credit repair process. 2019 - 2023 SimpleMoneyLyfe LLC. That's where credit repair services enter the picture. Lexington Law provides better tools, and we particularly like their focus tracks. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. The online account page also allows clients to submit any feedback forwarded by the bureaus. Lexington Lawscredit helpsection of its website offers a robust number of educational resources to help you understand how credit scores work and what steps you can take to improve and maintain your score. A careful review of hundreds of past user reviews reveals the dedication and selfless services offered by Credit Saints representatives. Since that time, they've opened offices in 17 states and become licensed in most of the rest. How To Choose Between Lexington Law and Credit Saint. It allows for unlimited disputes during each billing cycle. You can choose from three plans. However, the biggest takeaway with this package is unlimited disputes. If you have challenging credit history, it makes all of these things more complex and frustrating. How Long Does It Take to Repair Your Credit? Learn more about how we make money. Both Lexington Law and Credit Saint offer robust credit repair packages. 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. The companys LinkedIn profile shows that they have about 43 employees. While it doesnt always work, there is still a chance of success. For consumers, Credit Saint is the cheaper option. Money.com ranked it as the top credit repair company. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. Both companies are established and highly visible players in the business. IHG Rewards Club Premier Credit Card Review. Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. It has one of the best guarantees in the industry, which can be a great reason to give it a try. The results are processed in order to detect spammy and fake feedback. The last thing you want to do is incur more debt. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. 89% of Lexington Law customers that have experienced improvement with the service have increased their credit score by at least 40 points. The client liked that Jordan recommended a plan that was suitable for his needs. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. Top Consumer Reviews. Credit Polish is Credit Saints most basic credit repair package. Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. Additionally, Credit Saint has not been involved in any lawsuits brought about by disgruntled customers or the Consumer Financial Protection Bureau (CFPB). 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. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. All plans come with a reliable 90-day money-back guarantee. Customers must receive a free credit consultation with Lexington Law to receive complete pricing. They are not accredited and have a C rating. While it is pretty reliable and popular, it doesnt have a very good BBB rating, unlike Credit Saint. Andrew is a credit expert with over 20 years of experience in the industry. Pena vs. Lexington Law Firm was . This may impact how, where, and in what order products appear. Here is what is included: This package does not include tailored cease and desist letters, personal finance tools, or the helpful FICO Score Tracker. 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. The parent company supplies patented technologies used by Lexington Law and other consumer brands such as creditrepair.com and credit.com. In this The Credit Pros review, well have a look at one such company and gauge if its worth a try or not. 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. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. Well find out in this Credit Saint review and answer all questions you may have about the company. Lexington Law will: As we said, this is a basic package. Credit Saint BBB rating is pretty impressive. 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 **The trust value is based on our independent research. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. On the other hand, Lexington Law is quite vague about the speed of their service. Like we said earlier, repairing your credit is a long process. You've heard of couples therapy, but what is it and whom is it for? Stay up to date with the latest reviews. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. 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. They also have mobile apps for easier progress tracking. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. When comparing Lexington Law vs. Credit Saint, its also vital to compare the educational resources. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. You will find many Credit Saint reviews on the Internet. 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. They consistently offer consumers the best results and services. Bottom Line: Credit Saint vs. Lexington Law. The goal of the founders was to revolutionize the repair industry. The firm offers 3 credit repair plans to suit different needs, along with a 90-day money back guarantee. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Overall, Credit Saint is the cheaper option. Credit Takeoff is reader-supported. With the Credit Remodel package, Credit Saint will dispute up to 10 inaccurately reported items on your credit report. If youre considering a credit repair service, its important to take positive and negative reviews as a whole before you make a decision. Purchase protection is a common credit card benefit that allows consumers to file a claim with their issuer to receive replacement, repair or reimbursement for any Lexington Law Review (2023): Legit Credit Repair Firm or Not? Credit Saint offers the following three different credit repair plans to meet the needs of various clients. 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. We'd love to have you join our community! Founder of Credit Repair Partner. 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