Get started today with a FREE credit consultation. Each text is published after its detailed proofreading. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. People lost more than $16 billion due to these cases and the problem is only increasing. With the Credit Remodel package, Credit Saint will dispute up to 10 inaccurately reported items on your credit report. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. 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. 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. These two questions will help you uncover the truth. In this The Credit Pros review, well have a look at one such company and gauge if its worth a try or not. 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. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. Lexington Law may be better prepared to assist customers through negative life events. It takes time to file disputes with all three credit bureaus, review your credit report, and identify what items can be removed. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. Private Dashboard Talk to us as much or as little as you like. Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. In addition to this, there are several other issues that the company can take care of on your behalf. Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. Hiring a credit repair provider can save you a significant amount of time and hassle. Customers typically mention the names of paralegals who intervened in their cases. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. Credit Saint is the oldest credit repair company in the industry. 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. 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. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. The companys LinkedIn profile shows that they have about 43 employees. Your credit score even directly impacts the cost of your New Jersey auto insurance. So which one offers the best credit repair services? Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. There is a one-time $195 sign-up fee, and then youll pay $119.99 every month youre enrolled. We break down the benefits and possible drawbacks of both services, so you can choose whichcredit repairservice is right for you. Lexington Law offers three different levels of credit repair services ranging from $89.95 per month to $129.95 per month. 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. Since that time, they've opened offices in 17 states and become licensed in most of the rest. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. 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. The first step with any credit repair service will likely involve a thorough review of your credit report. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. The last thing you want to do is incur more debt. And this gives you a chance to ask questions and explore your options. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. Both plans provide score analysis, credit report updates, and inquiry targeting. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. 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. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. Top Consumer Reviews. These options range from basic to aggressive credit repair services. Lexington Law begins the process as soon as 48 hours. Lets take a closer look at their pricing packages and provided features: Creditsaint allows customers to choose from three pricing packages: Its their most advanced package, and customers will pay an initial work fee of $195. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. Lexington law comes off as the better service when it comes to free credit guides. Most of the actions taken on your behalf by a credit repair service can be done on your own. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. It has one of the best guarantees in the industry, which can be a great reason to give it a try. 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. (2023), Lexington Law vs. Credit Saint: Credit Repair Packages and Price, Credit Saint vs. Lexington Law: Educational Resources. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. One of the best ways to compare Lexington Law and Sky Blue is to look at their pricing and packages. Credit Saint vs. Lexington Law Credit Repair. Consistently ranked as the top service on finance sites, Offers unlimited challenges per dispute cycle, Free non-obligatory credit repair consultation, Tailors services and disputes to each situation, 90-day refund policy means a worry-free service, Offers education on other ways to optimize scores, Intuitive dashboard for tracking challenges, Responds to complaints with care and attention. It's no secret that businesses want to know what consumers think. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. The biggest determinant of how fast items will be removed from your credit report is not the company you select. Their latest feedback as of July 8, 2021, is a 4-star rating. In business since 2004,Credit Sainthas been helping people repair their credit for nearly two decades, making it one of the oldest credit repair companies in the industry. 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. But for now, Lexington Law offers more educational resources. Lets compare Credit Saint and some of its competitors to see which ones better. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. Opinions expressed on this site are the authors alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. SimpleMoneyLyfe Credit Saint vs. Lexington Law: Who is Better? They choose to issue refunds in some situations and use friendly language when responding to customers. Our reviewers evaluate products and services based on unbiased research. The step below PremierPlus is Concord Premier. 8.2 million removals and 26+ million challenges and disputes since 2012. You know your credit situation better than anyone else, so take this decision seriously. On the downsides, Lexington Law also charges a first work fee. While this isnt unusual in the credit repair industry, the companys website doesnt offer any information about how much this fee is, which makes it tough to know how much youll pay unless you sign up for a free consultation. Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. This shouldnt be considered a drawback since no company in this niche can make such promises. All of us feel a little overwhelmed sometimes, and it's nice to have support when times are rough. Credit Saint - The Winner Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. Bottom Line: Credit Saint vs. Lexington Law. The main office is in Mahwah, New Jersey. I love, helping people become smarter about their credit and finances. Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. However, in our opinion, the best bang for your buck is Credit Saint. Other providers actually specify a minimum credit score improvement. Lexington Law is one of the most reputable credit repair industry players, helping thousands of clients in the US to repair their credit scores and clean their credit reports. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. 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. In addition, they provide resources to help you repair and improve your credit score and maintain it in the long term. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. But are its programs worth a try? Credit Saint vs. Lexington Law: Who is Better? In a crowded market, it is hard for consumers to choose a credit repair company. Both Credit Saint and Lexington Law are two of the best credit repair companies in the United States. Furthermore, repairing your credit is not an overnight fix. How did we arrive at this conclusion? In addition to legal representation, they also offer a credit monitoring and repair service that comes in three different tiers. Additionally, you will get a personalized dashboard to track progress, creditor interventions, score analysis, and score tracker. Their cornerstones include determination, revolutionary, integrity, vision, and excellence. If you choose this one, you will also have to pay the first-work fee of $195. Credit Saint has a better basic package as it includes the score tracker and score analysis. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. Where can you find the best, most affordable online doctors? Typically, most investigations are concluded within 30 days, but credit bureaus can add 15 days if necessary. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. Overall, the process takes as long as needed to remove as many negative items from your report as possible. 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. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. Credit Saint responded by saying that a manager had reached out to the client after confirming that there were removals for his account. Follow us! The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. It all comes down to reputation. The company offers excellent customer support and the agents are very friendly. provides you will all of the features included in the standard plan and the addition of Credit Report Watch Alerts. This is comparable to other credit repair services, and we like that Lexington Law offers a range of service levels designed to accommodate all budgets. This means they will send out a new round of credit report disputes every 45-days. The Clean Slate package is Credit Saints most aggressive credit repair plan. As mentioned earlier, there are many companies offering similar services. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. Let's [] Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. Customers receive regular updates on progress to ensure theyre fully aware of whats happening. As previously stated, they are known to help consumers with severe credit problems. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Gerald is the founder and editor-in-chief of CreditFixed.com. Credit Saint has a 45-day repair cycle. The two businesses provide similar services. Now, its time for us to render our verdict, and surprisingly, its a tie. If we feel this product or service is not to our standards we will not recommend solely due to money. Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. Now, this does not mean that they will allow you to challenge all negative entries at once. On the other hand, there are companies that don't deliver what they promise. They also have mobile apps for easier progress tracking. Some customers might like the benefit of having these types of legal experts on their side. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. The online dashboard allows customers to track the progress of their credit repair. Both firms also offer free consultations. The companies also have good reviews on average, but Lexington Laws regulatory troubles and less than stellar BBB profile stop it from taking top marks in our review. This is one of just a few services that have earned a strong rating from the BBB, along with hundreds of positive reviews from clients. Each credit repair firm offers a dedicated customer service line for clients that can help answer any questions you may have. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. Now that said, Credit Saint is accredited and has an A- rating. 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. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. The client liked that Jordan recommended a plan that was suitable for his needs. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. The results are processed in order to detect spammy and fake feedback. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. 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. However, articles or reviews may contain affiliate links and we may earn a commission. They are trailblazers, innovators, and above all, credit experts. On the subject of feedback, reviews on Credit Saint generally focus on the exceptional help provided by the customer representatives. The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. Credit Saint and Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. The company is an excellent option if youre serious about fixing your credit. Sky Blue is one of the oldest repair companies. Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law. This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. Both companies have been in business for several years and offer quite a bit in terms of credit repair services and additional services. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. Credit Polish is Credit Saints most basic credit repair package. 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. Are you looking to move somewhere new? 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. While it doesnt always work, there is still a chance of success. And a credit repair company may come to the rescue. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Additionally, Concord Premier will not help you with identity theft. You can find some recent articles in their blog section. Disclaimer: We offer completely free content to our users. 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. 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