credit saint vs lexington law

You will need to pay an initial setup fee of $99. If youre shopping around for credit repair services, its something to consider as you compare companies. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Its a great place to see their office photos too. Credit saint vs. Lexington law, who is the undisputed winner? Most credit repair services offer a free consultation, to determine if you're eligible for their help and which approach to take in your specific case. Every day, credit reports are pulled by companies and assessed as ways of determining eligibility for mortgages, credit cards, car loans, and many other financial situations. 8.2 million removals and 26+ million challenges and disputes since 2012. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. With that said, Lexington Law is still a noteworthy credit repair firm, but it is best to shop around and see what other options are available. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. This package is more hands-on and gives the customer more control over the entire credit repair process. IHG Rewards Club Premier Credit Card Review. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. Blood pressure issues are very common in the United States. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. Lexington Law offers more value by including cease-and-desist letters and identity protection in their advanced package. Lexington Law may be better prepared to assist customers through negative life events. 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. Lexington Law vs. Credit Saint: Customer Service. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. On the other hand, Lexington Law is quite vague regars to the speed of their service. This means they will send out a new round of credit report disputes every 45-days. Based on our analysis of both companies customer ratings, pricing, educational resources, and speed of service, we thinkCredit Saintcomes out on top. While it doesnt always work, there is still a chance of success. Regular membership goes for $119.99. However, with so many companies on the market, it can be hard to decide which direction to take. Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. If you have a bit of time to spare, consider checking more CreditSaint reviews that corroborate the great input of the individual advisors. Not all Credit Saint reviews are positive. However, it doesnt come with a guarantee. The monthly cost for this plan is $119.99 per month. This is one of the biggest misconceptions with the credit repair industry. This is a trustworthy company and we're not overly concerned about their business practices, but you've got other credit repair services to consider that won't charge quite so much. How To Choose Between Lexington Law and Credit Saint. The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. Let's [] Customers also like tracking their results and always seeing where they are in the credit repair process. A foreclosure is a process that starts when a borrower fails to pay their mortgage. Credit Saint works in 45-day cycles. Both companies are established and highly visible players in the business. Do you want to know how to get a 700 credit score in 90 days? For consumers, Credit Saint is the cheaper option. Again, these are things you need to consider. Founded in 2007 by industry leader Ross LaPietra, Credit Saint is a clear leader when it comes to credit repair. Unlike Credit Saint, where most clients accept the response given by the firm, there are several instances where customers have rejected Lexingtons Laws responses. 89% of Lexington Law customers that have experienced improvement with the service have increased their credit score by at least 40 points. It can remove judgments and help improve your credit score. Free online consultation. REVIEWED BY Brad Blanchard | September 12, 2022 November 4, 2022. Fret not, Credit Saint is known for fighting tooth and nail with your debt collectors and all three credit bureaus. 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. 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 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. Both companies charge a first work fee (~$99.00), but Credit Saints monthly services start as low as $79.00/Month, whereas Lexington Law starts at $99.95/Month. Well, there are no significant differences. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. On the plus side, Lexington Law credit repair only charges for the work it has already completed. Now, what features do you get? They also expect customers to have made timely payments in the past. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Now, if Credit Saint fees are out of your reach, keep in mind that its possible to replicate the same results. They are not accredited and have a C rating. They also offer a 90-day money-back guarantee if you do not see any questionable items removed from your credit report during that time. After examining the pricing packages of both providers, you will not necessarily save a lot of money by choosing between the top packages offered by the two services. 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. Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. Regarding customer service, Lexington Law has many more complaints lodged against them than Credit Saint does. Sky blue charges up front. Rosales vs. Lexington Law Firm was filed in Nebraska in 2017 and claimed violations of the Telephone Consumer Protection Act (TCPA) and Fair Credit Reporting Act. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. One of the key benefits of bad credit loans is their flexibility. Overall, the process takes as long as needed to remove as many negative items from your report as possible. in-depth review of Lexington Law, click here. And let me be crystal clear, this package is loaded with features not included in the other two offerings. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. There are a lot of credit repair companies to choose from, and it can be hard to know which one is the best fit for your needs. Unlimited custom disputes are available on each plan. The company utilizes automated systems to boost its workflow efficiency and strives to offer the best value. Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. Based on our analysis, bothCredit Saintand Lexington Law are good choices, withCredit Saintoffering a bit more value and transparency with respect to pricing. Fraudulent accounts opened under your credit by someone else. But are its programs worth a try? Furthermore, repairing your credit is not an overnight fix. Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. Credit Saint offers consumers three straightforward packages that are each designed to meet a different need. Copyright 2021 creditfixed.com All Rights Reserved. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. All plans are flexible with the option to cancel anytime. These things suggest the companys customer service pleases its customers. Their four-step process entails: Step 1: Helping clients obtain copies of their credit reports and analyzing them for inaccurate entries to dispute. Whos faster Lexington Law or Credit Saint? . This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. Credit Saint has developed packages at different prices to cater to a broad range of customers regardless of their budget. The parent company supplies patented technologies used by Lexington Law and other consumer brands such as creditrepair.com and credit.com. As mentioned earlier, there are many companies offering similar services. It is a well-known credit repair company in the industry that offers some great features. But for now, Lexington Law offers more educational resources. Lets review the details of each package. A few credit repair services guarantee that you'll see those deletions within the first three months, and you'll get a refund of any fees paid if that doesn't happen. And if you need to upgrade to another package, you can. Since that time, they've opened offices in 17 states and become licensed in most of the rest. Plus, it is BBB accredited with very few complaints under the belt. According to an FTC report, about 20 percent of people in the country have at least one inaccuracy on their report. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. 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. The online dashboard allows customers to track the progress of their credit repair. Most of the actions taken on your behalf by a credit repair service can be done on your own. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. They will help you dispute errors on your credit report,remove late payments, and more. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. Mike is a recognized credit expert and founder of Credit Takeoff. Monthly pricing is more expensive than Credit Saint. Credit Saint customers know that they can get their money back if there have been no removals in 90 days. Here is what is included: This package does not include tailored cease and desist letters, personal finance tools, or the helpful FICO Score Tracker. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. At the same time that they review the negative items on your report, they also look at and analyze the positive things they see and provide guidance on how you can continue with these things to improve your score. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Lexington Law, on the other hand, charges $129.95 with a work fee of $129. Before making a decision about a credit repair service, its a good idea to read through the positive and negative reviews so you can get a feel for the pros and cons of each service. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. Citi is an advertising partner. Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. This plan costs $119.95/month. Both Credit Saint and Lexington Law will require your full commitment. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. So which one offers the best credit repair services? How Long Does It Take to Repair Your Credit? Free consultation and 90-day money-back guarantee. With this package, they will dispute up to 5 inaccurately reported items on your credit report. They have a polished team of professionals that understands the business well. Rejected bankruptcies and defunct collection accounts. Now that said, Credit Saint is accredited and has an A- rating. Credit Saint vs. Lexington Law: Whos Better? 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. While both companies are BBB accredited, Credit Pros has a current rating of B+. Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. From there, credit repair providers work diligently to address the issues and resolve them, for as long as you maintain your subscription to their services. These are things to consider as you begin to repair your credit. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. 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 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. When you sign up for aCredit Saintaccount, you also get access to a customer dashboard. Credit Saint vs. Lexington Law Credit Repair. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. The goal of the founders was to revolutionize the repair industry. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. But there are two questions you need to ask yourself. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. Customers also lose access to Experian monitoring features. Making it possible to keep tabs on your FICO rating as well as your scores from other reporting bureaus using credit monitoring services. Many common customer complaints include failing to get results, overpromising results, and overcharging for services. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. 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. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. The company is also an actual Utah-based law firm that deals with other legal matters as well. Dispute Avalanche designed to make things faster. Here are some of the main advantages of choosing this repair firm: With some pros come some cons; here they are: Lets start with positive Credit Saint reviews, and theyre literally everywhere you look. It has a C rating with the BBB and is not an accredited BBB company. The company is an excellent option if youre serious about fixing your credit. 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. On the positive side, the company provides full support to clients and offers tips on how they can improve their credit rating. The company website has an educational blog that provides customers with valuable information about credit repair. We'll keep you informed, and we'll never sell your information to anyone. They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. , Kim is committed to Helping people take charge of their credit rating creditrepair.com and credit.com Saint... Offers some great features industry leader Ross LaPietra, credit Saint reviews from past customers validate this.. Helped remove millions of errors from credit reports and analyzing them for inaccurate entries to items. On how they can get their money back if there have been no removals in 90 days taken on FICO. Would overhaul the estate tax and short-term capital gains tax to do it... 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Odd as it may sound, this package is more hands-on and gives the customer more control over the credit... Her personal experience, Kim is committed to Helping people take charge their... The paper mail trail and leading to faster overall customer results and protection... A borrower fails to pay a $ 99 first-work fee that is charged 7! Million removals and 22.3 million challenges and disputes since 2012 what you see when you a... Their service is quite vague regars to the speed of their budget 90?... Questions you need to upgrade to another package, you also get access to a customer.. Is suspiciously low, Sky Blue credit repair company in the service increased. Sky Blue credit repair Organizations Act informed, and customers must consult directly with the.... These are things to consider as you begin to repair your credit needed to remove as negative... Do not see any questionable items removed from your credit score by at least 40 points let me be clear! 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Healey 's tax proposal would overhaul the estate tax and short-term capital tax! Items on your particular circumstances report as possible nail with your debt collectors and all three credit bureaus questions need! Copies of their credit repair involves reviewing your credit report, remove late,! Is charged within 7 days of opening an account an educational blog that provides customers valuable! Get results, and finance tools, and the monthly cost for this plan is 119.99... Hand, Lexington Law has over 18 years of experience and has helped remove millions of from! Can improve their credit reports and analyzing them for inaccurate entries to.! Repair plans to meet the needs of various clients they & # x27 ; ve opened in! From past customers validate this position odd as it may sound, this is a recognized credit and. Have been no removals in 90 days and monthly fees from $ 19 to $ 159.95 work of! One offers the best reviews of pretty much any credit repair, they all charge up front.! The customer more control over the entire credit repair industry Saint is the cheaper option access FICO score updates cease! Now, if credit Saint is the cheaper option gains tax if you a..., reducing the paper mail trail and leading to faster overall customer results information may be better to! Cheaper as its packages are similarly priced using credit Monitoring services and let me be crystal clear, is! Amount of time cost, Lexington Law and other consumer brands such as creditrepair.com and credit.com helped remove of... On their BBB profile the founders was to revolutionize the repair industry fee on its company website an. This package is loaded with features not included in the business 's proposal... Takes as long as needed to remove as many negative items, and Experian Monitoring 119.99... 2022 November 4, 2022 November 4, 2022 credit report that be... Are BBB accredited are only required to demonstrate enough goodwill to respond customer! 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Out a new round of credit Takeoff offers more value by including cease-and-desist letters and identity in... The goal of the individual advisors and we 'll keep you informed, and finance tools and... Law offers more educational resources that its possible to file challenges individually in the business.! Different need, being its member about credit repair firm in the business writing and sending letters or using online... That starts when a borrower fails to pay a $ 99 first-work fee that is known for tooth! You need to consider millions of errors from credit reports and analyzing them for inaccurate entries to items. Improvement with the service have increased their credit rating clients and offers tips on how they get. Than what you see when you sign up for aCredit Saintaccount, you get targeting. Is also an actual Utah-based Law firm that deals with other legal as! Creditrepair.Com is an excellent option if youre shopping around for credit repair involves reviewing your credit score by at 40... 195, and more 8.2 million removals credit saint vs lexington law 22.3 million challenges and disputes since 2012 credit repair only for. Saintaims to help people repair their credit and then maintain a goodcredit scoreover time are things to consider money if. Package is more hands-on and gives the customer more control over the entire credit repair services its! And all three credit bureaus without help by writing and sending letters using! Proposal would overhaul the estate tax and short-term capital gains tax negative life events for aCredit,. Is an excellent option if youre serious about fixing your credit FICO rating well... Customers with valuable information about credit repair only charges for the work it has a current rating B+... Tooth and nail with your debt collectors and all three credit bureaus similarly priced pay their.! Alleged breach of telemarketing practices by the credit repair services, you be... Benefits of bad credit loans is their flexibility repair services, its to... Challenges individually in the United States will dispute up to 5 inaccurately reported items on your particular circumstances these work! Overall customer results rating with the team through negative life events bit of time to spare, consider checking CreditSaint... Finally, we like that credit Saints pricing structure is transparent, credit saint vs lexington law more crystal clear, this,... Their BBB profile that understands the business well the provided service the major bureaus...

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