Both firms also offer free consultations. The company is an excellent option if youre serious about fixing your credit. The only difference is that you will not get unlimited disputes, and Credit Saint will not send custom cease and desist letters. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. On the positive side, you will get 100% of your money refunded if the company fails to remove any item within 90 days of signing up given that youve made full payment and you meet every other requirement given on the official website. The monthly cost for this high aggressive plan is $99.99. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. Stay up to date with the latest reviews. Which blood pressure supplement is the best? On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. This implies they will send out a new round of credit report disputes every 45-days. 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. 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. The customer seemed to be fresh from signing up and expressed that they had a good conversation with Jordan, a company rep. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. Credit Saintgets to work right away on your account, so its possible to see positive results within a month or so depending on your situation and the number of negative items on your credit report. Learn more >. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. 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. But large or small any company or person that charges anone upfront is breaking the law. While Lexington Law receives an impressive number of positive reviews for its app, the companys C rating on the BBB site and lack of accreditation are something to keep in mind. 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. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. Unfortunately, Credit Saint does not have a robust blog on its website; however, that is changing according to our research. I worked in the credit repair industry for about 10 years. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. As with any credit repair service, the length of time required to see movement in your score depends on your unique situation. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? It has a C rating with the BBB and is not an accredited BBB company. However, note that it comes with certain conditions. Credit Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. Credit Saint bills this package as the most aggressive. It is a well-known credit repair company in the industry that offers some great features. Lexington Law begins the process as soon as 48 hours. 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. The online account page also allows clients to submit any feedback forwarded by the bureaus. In our recommendation, Credit Saint outperforms Lexington Law overall. They consistently offer consumers the best results and services. If youre shopping around for credit repair services, its something to consider as you compare companies. In this second featured feedback, the client said that she received help from a phenomenal agent who was kind, patient, and understanding. She said she was planning to choose another provider but selected Credit Saint credit restoration services because of how the agent handled her questions and concerns. The site is designed to help consumers repair credit reports and improve their financial standing. Additionally, looking at customer reviews shows that Lexington Law has significantly more negative reviews than Credit Saint. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. They provide various templates you can use when challenging the bureaus and information furnishers. If we feel this product or service is not to our standards we will not recommend solely due to money. Call us today to take advantage of our no-obligation offer. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. But, how much time do you have? Regarding customer service, Lexington Law has many more complaints lodged against them than Credit Saint does. Credit Saint can improve it by removing items that appear incorrect due to issues such as administrative errors, calculation errors, etc. Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer. They further stated that their 90-day refund policy applies to customers who have not seen any removals. Credit Saintmay have similar results, but it doesnt state them anywhere on its website, so its hard to know if their service yields similar results. Lexington Law is the biggest advertiser thus they have the biggest problem now. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. Lexington law comes off as the better service when it comes to free credit guides. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. A live agent will also contact you to talk about the details of your credit history. Disclaimer: This post contains references to products from one or more of our advertisers. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. 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. A careful review of hundreds of past user reviews reveals the dedication and selfless services offered by Credit Saints representatives. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. 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 and Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. An achievement that should not go unnoticed. Credit Saint prices are a little on the higher side especially in comparison to alternatives. 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. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. Purchases made through links may earn a commission. Who can you trust when looking for the best payday loans? 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. However, in our opinion, the best bang for your buck is Credit Saint. Now, its time for us to render our verdict, and surprisingly, its a tie. 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. Credit Saint offers their cheapest package for $79 per month. A foreclosure is a process that starts when a borrower fails to pay their mortgage. The service has accumulated about 47 complaints on its BBB.org page in the last three years. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. UnlikeCredit Saint, however, Lexington Law is not accredited by the BBB. You can also have a better feel of their customer service quality by obtaining their free consultation. Additionally, you will get a personalized dashboard to track progress, creditor interventions, score analysis, and score tracker. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. Whos faster Lexington Law or Credit Saint? Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. Credit Saint is a solid choice for credit repair. Top Reviews. However, there are a few things consumers should know. 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. Since that time, they've opened offices in 17 states and become licensed in most of the rest. So, all-in-all, this package is not that different from their Clean Slate offering. We break down the benefits and possible drawbacks of both services, so you can choose whichcredit repairservice is right for you. The platform lags behind in terms of tech and tools. Sky blue charges up front. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. Your credit score could, Wondering if a 550 credit score is good or bad? With this package, they will review your credit report and will provide clear next steps for you to take. Private Dashboard Talk to us as much or as little as you like. They are not accredited and have a C rating. 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. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. Its better to have a response than to have your complaint ignored entirely. If youve recently missed a credit card payment or youre about to miss an upcoming, A car repossession can cause lasting damage to your credit report. It covers the work performed in preparing the first round of disputes. Unlimited custom disputes are available on each plan. While Lexington Law does leverage in-house legal expertise, it is currently facing a class action law suit by the Consumer Financial Protection Bureau (CFPB). The law firm will provide your TransUnion credit report summary and Transunion FICO score. Each text is published after its detailed proofreading. The company appears to be doing well in this department. On the downside, it is not a 100% guarantee. Lexington Law takes a personalized approach to credit repair. The package allows customers to go after ten negative items per billing cycle. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. Founded in 2007 by industry leader Ross LaPietra, Credit Saint is a clear leader when it comes to credit repair. This means there are more than 40 million reports to take care of. 2019 - 2023 SimpleMoneyLyfe LLC. For instance, the company lacks a service guarantee. In a past comment, they mention that they go after half of the available items to dispute. Fret not, Credit Saint is known for fighting tooth and nail with your debt collectors and all three credit bureaus. Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months. If you're facing an ever-increasing pile of "past due" notices, threatening letters from the IRS, and credit card statements where Where should you sign up as a mystery shopper?

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