Unlimited custom disputes are available on each plan. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. How have the two services performed when it comes to the level of customer care? On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. The company utilizes automated systems to boost its workflow efficiency and strives to offer the best value. They do this by taking the fight to the individual creditors. Customers also like tracking their results and always seeing where they are in the credit repair process. IHG Rewards Club Premier Credit Card Review. This implies they will send out a new round of credit report disputes every 45-days. The customer seemed to be fresh from signing up and expressed that they had a good conversation with Jordan, a company rep. Bottom Line: Credit Saint vs. Lexington Law. Credit Saint vs. Lexington Law: Whos Better? The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. In addition, the company offers a full 90-day money-back guarantee. Sometimes. Credit Saintreceives high praise on average from its former and current customers. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Monthly fees from $69.95 to $119.95, plus first-work fee equal to one month's payment. Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. Using the incorrect name, address, or Social Security number. The team members are mainly based in New Jersey and the New York Metro Area. Customers typically mention the names of paralegals who intervened in their cases. Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law. In contrast, Lexington Law's BBB rating is only a C. Review winner: Credit Saint Credit Repair Results of LExington Law Vs. Credit Saint Where can you find the best, most affordable online doctors? Well, there are no significant differences. They are trailblazers, innovators, and above all, credit experts. Also, note that no company can remove legitimate items from a credit report. Both firms also offer free consultations. Lexington Law will: As we said, this is a basic package. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. Additionally, Credit Saint has not been involved in any lawsuits brought about by disgruntled customers or the Consumer Financial Protection Bureau (CFPB). Additionally, take advantage of the free credit consultations. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. Disclaimer: We offer completely free content to our users. If you choose this one, you will also have to pay the first-work fee of $195. In a past comment, they mention that they go after half of the available items to dispute. Who can you trust when looking for the best payday loans? Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. This package is more hands-on and gives the customer more control over the entire credit repair process. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. They will pay an initial setup fee of $99 and only part with $99 for the monthly membership. Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. Top Reviews. . It's no secret that businesses want to know what consumers think. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. Credit Saint bills you for their credit repair services monthly and allows you to cancel any time, so you only commit for however long you need to repair your credit. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. Which tax relief service is right for you? Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. Sky blue charges up front. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. The parent company supplies patented technologies used by Lexington Law and other consumer brands such as creditrepair.com and credit.com. Because Credit Saint and Lexington Law offer similar and comparable services, both companies have an extensive history of helping customers repair their bad credit scores. These options range from basic to aggressive credit repair services. The company is an excellent option if youre serious about fixing your credit. The company appears to be doing well in this department. Choose which one will help you the most. However, the biggest takeaway with this package is unlimited disputes. It takes time to file disputes with all three credit bureaus, review your credit report, and identify what items can be removed. This is one of the biggest misconceptions with the credit repair industry. Their latest feedback as of July 8, 2021, is a 4-star rating. This process takes time, and you certainly do not want to take a shortcut. For most people,disputing negative itemsis the main goal of credit repair, and this is what you get with the Concord Standard level of service. The setup fee is only $129.95, meaning that you may spend $66 less during your first month with Lexington Law. On their BBB.org page, the company responds to complaints within five business days at most. If we feel this product or service is not to our standards we will not recommend solely due to money. Customers can expect a personalized dashboard to track progress, three credit repair packages to choose from, and a complimentary credit consultation from a credit professional. We were curious how these negative CreditSaint.com reviews were handled. 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. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. Additionally, Concord Premier will not help you with identity theft. The firm offers 3 credit repair plans to suit different needs, along with a 90-day money back guarantee. As previously stated, they are known to help consumers with severe credit problems. If youre undecided about credit repair,Credit Saintoffers a complimentary consultation, so you can ask questions and get more information about their services. Credit Saint is a solid choice for credit repair. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. While Credit Saint's most basic package option starts at $79.99 per month, Lexington Law's lowest service level starts at $89.85 per month. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. Elsewhere, both companies get generally favorable reviews from former and current clients. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. If you're behind on your tax payments or have past years where you didn't even file a return, you probably feel the pressure mounting. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer. It includes all of the services of the other plans but also adds the value of unlimited challenges to the three credit bureaus. Both companies are established and highly visible players in the business. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. 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. The monthly cost for this plan is $119.99 per month. Credit Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. But if you are serious about repairing your credit, then you need to approach this situation with a long-term mindset. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. Each credit repair firm offers a dedicated customer service line for clients that can help answer any questions you may have. 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. Unfortunately, not everyone understands what goes into a positive credit history. The wrong loan and credit card balances listed. Credit Saint operates on a 45-day dispute cycle. Credit Saint has a better basic package as it includes the score tracker and score analysis. Learn more about our process. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. Furthermore, repairing your credit is not an overnight fix. Seeing tangible results can motivate you to stay on track with maintaining good credit. Both companies have been in business for several years and offer quite a bit in terms of credit repair services and additional services. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. Actually, their cheapest and most expensive plans differ by about $10. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. All three packages come with a $99.00 initial work fee that you pay upfront once in addition to the monthly fee. If you add a family member from the same household to the service, Credit Saint will waive the $99.00 initial work fee for this member (or members). In this highlighted review, the client complained about not seeing any removal but getting charged for the service. There are so many different ways to go. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. He also stated that he didnt leave a 5-star rating because the company kept asking for verification, which he said that he had already done. According to an FTC report, about 20 percent of people in the country have at least one inaccuracy on their report. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. This may impact how, where, and in what order products appear. You can also cancel the service at any time without incurring any penalties or fees. 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. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. It all comes down to reputation. Both services also go out of their way to help customers recover from bad credit by offering additional advice. Credit repair is just like it sounds: a process by which your credit history and score are improved. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. Finally, Lexington Laws active pending lawsuit has slightly damaged its reputation among credit repair companies. While both credit repair companies have good reputations and similar pricing,Credit Saintedges out Lexington Law in our review. 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. Our reviewers evaluate products and services based on unbiased research. The Lexington Law firm provides three pricing options: Compared to Credit Saints Clean Slate plan, the Advanced plan certainly has more features, and its only going to cost you $129.95, about $10 more. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. Clean Slate 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 erasing of outdated inquiries from your credit report. Learn more about how we make money. Its better to have a response than to have your complaint ignored entirely. Lexington Law and The Credit People are both top-ranked companies that are well known for providing quality credit repair services. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. 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. This plan costs customers $139.95/month. Call us today to take advantage of our no-obligation offer. They will go over specific details of your credit history and offer additional techniques for improving your scores. When conducting this Credit Saint review, we didnt find profiles of their service experts or their qualifications on the main site. Your credit score even directly impacts the cost of your New Jersey auto insurance. How to Dispute Medical Bills on Your Credit Report? Lexington law comes off as the better service when it comes to free credit guides. Like we said earlier, repairing your credit is a long process. You can find some recent articles in their blog section. Hiring a credit repair provider can save you a significant amount of time and hassle. Sky Blue is one of the oldest repair companies. 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. 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