This is Lexington Laws most basic offering. All plans come with a reliable 90-day money-back guarantee. Hiring a credit repair provider can save you a significant amount of time and hassle. Additionally, Concord Premier will not help you with identity theft. Mike is a recognized credit expert and founder of Credit Takeoff. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. 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. And this gives you a chance to ask questions and explore your options. They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. 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. Not many people are fully aware of what credit repair firms do or why they need to hire one. Choose which one will help you the most. Now, if Credit Saint fees are out of your reach, keep in mind that its possible to replicate the same results. Regular membership goes for $119.99. Since that time, they've opened offices in 17 states and become licensed in most of the rest. Having said this, Lexington Law still takes time to respond to complaints. Top 4 Lenders for Bad Credit Loans: Compare Rates and Terms. UnlikeCredit Saint, however, Lexington Law is not accredited by the BBB. Like we said earlier, repairing your credit is a long process. However, there are a few things consumers should know. And, there's something to be said for letting the experts do the work, using their knowledge and connections to ensure that your credit repair process is done effectively. The positive BBB rating of Credit Saint suggests that the company has good customer service and handles complaints and inquiries satisfactorily. Lexington Law vs. Credit Saint: Which One is Faster? Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. We break down the benefits and possible drawbacks of both services, so you can choose whichcredit repairservice is right for you. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. In a past comment, they mention that they go after half of the available items to dispute. Purchases made through links may earn a commission. So far, over 1,000 people have left comments and they maintain a 4.4/5 rating. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. However, with so many companies on the market, it can be hard to decide which direction to take. Credit Saint - The Winner Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. Credit Takeoff strives to keep our information accurate and up to date. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. You've heard of couples therapy, but what is it and whom is it for? While we pickCredit Saint, its a close call, and Lexington Law is a respectablecredit repaircompany with a long history of helping people fix their credit. Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt. Sometimes. One of the best ways to compare Lexington Law and Sky Blue is to look at their pricing and packages. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. If you have challenging credit history, it makes all of these things more complex and frustrating. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. Also, note that no company can remove legitimate items from a credit report. Although many individuals attempt to do this task themselves, using a reputable credit repair service can relieve some of the stress associated with the process. Lexington Law has a YouTube page where they regularly publish client testimonials and short videos on various credit repair topics. It's no secret that businesses want to know what consumers think. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. Both Credit Saint and Lexington Law offer unique credit repair packages. Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint. 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. Learn more about how we make money. From here, you can get status updates, progress reports, and other information about your account and your credit. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. That's where credit repair services enter the picture. When you sign up for aCredit Saintaccount, you also get access to a customer dashboard. Their four-step process entails: Step 1: Helping clients obtain copies of their credit reports and analyzing them for inaccurate entries to dispute. When going over Credit Saints services, one thing that stands out is that they dont make such promises. You can also have a better feel of their customer service quality by obtaining their free consultation. In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. Additionally, Lexington Law's most advanced service level is more than Credit Saint's most advanced package option. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Protection against identity theft services. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. Customers expect to see immediate results. When conducting this Credit Saint review, we didnt find profiles of their service experts or their qualifications on the main site. Both services also go out of their way to help customers recover from bad credit by offering additional advice. So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. Because its a real law firm, Lexington Law is different than most other credit repair companies. Credit Saint responded by saying that a manager had reached out to the client after confirming that there were removals for his account. Many common customer complaints include failing to get results, overpromising results, and overcharging for services. 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. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. Using the incorrect name, address, or Social Security number. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. Overall, the process takes as long as needed to remove as many negative items from your report as possible. Credit Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. Here are some key takeaways that can help you make the final decision between the two giant credit repair brands: Lexington Law lacks a money-back guarantee, but you get it with Credit Saint. A 550 credit score is, Building or improving credit can be overwhelming. All Rights Reserved. Credit Saint is a repair company that was established in 2004 with the sole purpose of helping Americans fix their shaky credit histories.. However, those who are willing to wait are usually the ones who see remarkable results. On the other hand, Lexington Law is quite vague about the speed of their service. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. They also have mobile apps for easier progress tracking. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. 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. On average, customers subscribe for six months of service. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. They have a polished team of professionals that understands the business well. This is said to be one of Credit Saints most popular plans and it comes with the following features: People who spend a lot can consider this plan as it is the companys most expensive plan starting at $119.99 a month. Well find out in this Credit Saint review and answer all questions you may have about the company. Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. 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. These options range from basic to aggressive credit repair services. Which one is the best for you? Credit Saintalso offers a no-strings 90-day money-back guarantee. 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. Credit Saint edges Lexington Law when it comes to offering downright friendly services. 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. Credit Saint is a solid choice for credit repair. Here is what is included: This package does not include tailored cease and desist letters, personal finance tools, or the helpful FICO Score Tracker. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. The company offers excellent customer support and the agents are very friendly. Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. Go to the official site, sign up for an account, pay the fee, and the company will get to work right away. On their BBB.org page, the company responds to complaints within five business days at most. Blood pressure issues are very common in the United States. The Credit Pros doesnt boast of the same high regard, even though they claim to work with a team of FICO-certified experts. How To Choose Between Lexington Law and Credit Saint. There is something scary about looking at your credit report and finding items that you do not find justified or valid. 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? You can follow them on their social media pages for updates when they publish new guides. They also expect customers to have made timely payments in the past. Overall, Credit Saint is the cheaper option. These two companies have many similarities but also some differences that may be important when deciding between the two services. The last thing you want to do is incur more debt. There is something scary about looking at your credit report and finding items that you do not find justified or valid. Thats when the paralegal will reach out after you purchase a package. In contrast, Lexington Law's BBB rating is only a C. Review winner: Credit Saint Credit Repair Results of LExington Law Vs. Credit Saint 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. We only recommend products or services that we would use ourselves and have gone through a significant amount of research before posting. If there have been deletions within 90 days, Credit Saint may not issue the refund. Sky Blue Credit vs Ovation Credit Services, Sky Blue Credit vs Credit Repair Consultants, The Credit People vs Ovation Credit Services, The Credit People vs MSI Credit Solutions, The Credit People vs Pyramid Credit Repair, The Credit People vs Credit Repair Consultants, Ovation Credit Services vs MSI Credit Solutions, Ovation Credit Services vs The Credit Pros, Ovation Credit Services vs Pyramid Credit Repair, Ovation Credit Services vs Credit Repair Consultants, Credit Saint vs Credit Repair Consultants, MSI Credit Solutions vs Pyramid Credit Repair, MSI Credit Solutions vs Credit Repair Consultants, The Credit Pros vs Credit Repair Consultants, Lexington Law vs Credit Repair Consultants, Credit Repair vs Credit Repair Consultants, Pyramid Credit Repair vs Credit Repair Consultants, Credit Repair Consultants vs Credit Monkey, No first work fees when you add one family member, Over 70 million removals and 22.3 million challenges and disputes, 89% of clients with improvement see an average credit score increase of 40 points. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. Rather than jumping to conclusions, we will first present facts about the two credit repair services. Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. 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. 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. People lost more than $16 billion due to these cases and the problem is only increasing. 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? . The mid-level plan starts as low as $99.99. For this reason, many people enlist the help of a credit repair company to assist with the task. If you are working to repair your credit, youve likely spent extensive time trying to. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. This plan costs customers $139.95/month. A careful review of hundreds of past user reviews reveals the dedication and selfless services offered by Credit Saints representatives. They only facilitate the process but they dont control what gets removed. It was the same year that John C. Heath became the directing attorney. Not all Credit Saint reviews are positive. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. Lexington Law will: As we said, this is a basic package. If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. For instance, the company lacks a service guarantee. With this package, they will dispute up to 5 inaccurately reported items on your credit report. 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. The biggest determinant of how fast items will be removed from your credit report is not the company you select. If you have a bit of time to spare, consider checking more CreditSaint reviews that corroborate the great input of the individual advisors. For instance, you can check reviews on Credit Saint on Google Reviews. Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. Lexington Law may be better prepared to assist customers through negative life events. So, compared to Credit Saint, its a cheaper option. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? 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. All plans are flexible with the option to cancel anytime. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. Each credit repair firm offers a dedicated customer service line for clients that can help answer any questions you may have. How have the two services performed when it comes to the level of customer care? 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. 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. Seeing tangible results can motivate you to stay on track with maintaining good credit. These two questions will help you uncover the truth. How does this package stack up to Credit Saints Credit Remodel package? 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 vs. Lexington Law. 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. Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce. 89% of Lexington Law customers that have experienced improvement with the service have increased their credit score by at least 40 points. For some complaints, they were willing to offer refunds. 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. Customers also lose access to Experian monitoring features. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. This process takes time, and you certainly do not want to take a shortcut. Like Credit Saint, Lexington Law also offers three different credit repair options to meet the needs of various clients. 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