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. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. They are trailblazers, innovators, and above all, credit experts. Mike is a recognized credit expert and founder of Credit Takeoff. And if you need to upgrade to another package, you can. Americans have finally started to understand the importance of a good credit score: from 2011 to 2021, the nationwide average increased from 689 to 714! Who provides the best debt relief? Clean Slate Regular membership goes for $119.99. You can also have a better feel of their customer service quality by obtaining their free consultation. For instance, Lexington charges a basic set up fee of $100. On the other hand, Lexington Law is quite vague about the speed of their service. Lexington Law may be better prepared to assist customers through negative life events. Lexington Law is not accredited by the Better Business Bureau. 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. The company appears to be doing well in this department. 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. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. Lexington Law. Read our Disclaimer Policy for more information. In this highlighted review, the client complained about not seeing any removal but getting charged for the service. While it doesnt always work, there is still a chance of success. Both companies have been in business for several years and offer quite a bit in terms of credit repair services and additional services. Both services also go out of their way to help customers recover from bad credit by offering additional advice. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. Lexington Laws basic service package provides access to bureau challenges and creditor interventions. 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). Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. How Long Does the Process Take? The positive BBB rating of Credit Saint suggests that the company has good customer service and handles complaints and inquiries satisfactorily. Both Credit Saint and Lexington Law have ways for customers to reach them by phone or email and actively respond to their customers to provide service. Offering the first-ever 90-day money-back guarantee in the credit repair industry, Credit Saint is relentlessly consumer-centric. Both companies are careful to note that its hard to know how long it will take to see results with their services, and Lexington Law correctly states that its illegal for any credit repair company to guarantee results. Credit Saint vs. Lexington Law: Who is Better? Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. We'd love to have you join our community! The site is designed to help consumers repair credit reports and improve their financial standing. For instance, you can download a 609 letter and pay-for-delete letter template. Credit Saint has a better basic package as it includes the score tracker and score analysis. Many common customer complaints include failing to get results, overpromising results, and overcharging for services. As you start to explore the possibility of credit repair, you'll soon see that there are many providers hoping to gain your business as a client. It is quick and easy, but dont expect tailored insight or advanced credit repair options. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. Lexington Law has a YouTube page where they regularly publish client testimonials and short videos on various credit repair topics. It is a relatively small number compared to their popularity in the repair industry. On the other hand, there are companies that don't deliver what they promise. While both credit repair companies have good reputations and similar pricing,Credit Saintedges out Lexington Law in our review. With the facts presented before you, we hope our research provides clarity to your situation. 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. Over 850,000 clients in the last 10 years. Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. How have the two services performed when it comes to the level of customer care? Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Furthermore, repairing your credit is not an overnight fix. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. However, in our opinion, the best bang for your buck is Credit Saint. Lexington Law begins the process as soon as 48 hours. 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 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. If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. The company utilizes automated systems to boost its workflow efficiency and strives to offer the best value. Now, what features do you get? You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. Log in, Cost Comparison of Lexington Law Vs. Credit Saint, Lexington Law Credit Repair Packages and Pricing, Credit Saint Credit Repair Pricing and Packages, Credit Repair Results of LExington Law Vs. Credit Saint. When choosing a credit repair company to work with, there are a few things you need to consider. Protection against identity theft services. 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. 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. The goal of the founders was to revolutionize the repair industry. 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. Where can you find the best online couples therapy? Purchases made through links may earn a commission. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? You can also compare Credit Saint vs Lexington Law by exploring all of the top credit repair services. If there have been deletions within 90 days, Credit Saint may not issue the refund. The two companies have provided credit repair services for several years and have made large impacts on the credit repair industry. In addition to legal representation, they also offer a credit monitoring and repair service that comes in three different tiers. Credit Saint is a credit repair company that helps consumers repair their credit. Also, note that no company can remove legitimate items from a credit report. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). 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. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. 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. 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. You know your credit situation better than anyone else, so take this decision seriously. 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. Many educational resources on the Lexington Law website help customers understand credit scores and how to improve them. Lexington Law and The Credit People are both top-ranked companies that are well known for providing quality credit repair services. Credit Saint comes with both pros and cons. This means there are more than 40 million reports to take care of. If you are serious about repairing your credit, it makes a good option that is relatively risk-free for the first three months. Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. 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. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. 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. Each text is published after its detailed proofreading. Better Business Bureau accredited businesses, like Credit Saint, must adhere to high standards for ethical business practices. Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. The customer seemed to be fresh from signing up and expressed that they had a good conversation with Jordan, a company rep. Call us today to take advantage of our no-obligation offer. It also includes a credit analysis component. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. Private Dashboard Talk to us as much or as little as you like. You will need to talk to the agents if you wish to cancel your plan or ask for a refund. 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? It was the same year that John C. Heath became the directing attorney. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. Lets review the details of each package. Credit saint vs. Lexington law Which one is the best? So, compared to Credit Saint, its a cheaper option. Its currently under the helm of the original founder, Ross LaPietra. IHG Rewards Club Premier Credit Card Review. Which foreclosure listing website is the best? Fortunately, there are ways to remove incorrect items. This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. You will need to pay an initial setup fee of $99. 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. The company has maintained an A+ rating for 13 years making it one of the most reliable credit repair firms. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. While both companies are BBB accredited, Credit Pros has a current rating of B+. Together, they have helped thousands of consumers repair their credit and clean up their credit report. When you sign up for aCredit Saintaccount, you also get access to a customer dashboard. Typically, most investigations are concluded within 30 days, but credit bureaus can add 15 days if necessary. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. All three credit repair packages come with a 90-day money-back guarantee, and you can cancel any time without penalty. Copyright 2021 creditfixed.com All Rights Reserved. It also enjoys anA ratingfrom the Better Business Bureau (BBB) and its one of a handful of credit repair companies accredited by the BBB. Each plan varies in offerings and is priced differently. 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