With Clean Slate, you get unlimited challenges to all three credit bureaus, inquiry targeting, score analysis, creditor interventions, score tracker, Experian monitoring, and cease & desist letters. Which tax relief service is right for you? Both firms also offer free consultations. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. On their website, they claim most customers stay with them for 6 months. Online doctors, whose services are often referred to as telemedicine or telehealth, are a convenient and accessible way for patients to receive Where can you find the best Stress Relief? The step below PremierPlus is Concord Premier. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. 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. Well, there are no significant differences. 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. They will go over specific details of your credit history and offer additional techniques for improving your scores. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. But if you are serious about repairing your credit, then you need to approach this situation with a long-term mindset. These two companies have many similarities but also some differences that may be important when deciding between the two services. As with any credit repair service, the length of time required to see movement in your score depends on your unique situation. However, it doesnt come with a guarantee. Compared side by side, bothCredit Saintand Lexington Law have comparable pricing, service levels, and speeds of service. 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. How Long Does It Take to Repair Your Credit? It can remove judgments and help improve your credit score. And let me be crystal clear, this package is loaded with features not included in the other two offerings. 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! You can follow them on their social media pages for updates when they publish new guides. 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. Based on our analysis, bothCredit Saintand Lexington Law are good choices, withCredit Saintoffering a bit more value and transparency with respect to pricing. Where can you find the best Moving Company? With the facts presented before you, we hope our research provides clarity to your situation. They will pay an initial setup fee of $99 and only part with $99 for the monthly membership. Which foreclosure listing website is the best? Unlimited custom disputes are available on each plan. These two companies have many similarities but also some differences that may be important when deciding between the two services. It allows for unlimited disputes during each billing cycle. Other than that, you still get all the extra features available on the Clean Slate package. So which one offers the best credit repair services? If there have been deletions within 90 days, Credit Saint may not issue the refund. Unfortunately, Credit Saint does not have a robust blog on its website; however, that is changing according to our research. This helps pay for our writers time in order to provide meaningful and helpful information to get our readers on the path to better credit. Unlike Credit Saint, where most clients accept the response given by the firm, there are several instances where customers have rejected Lexingtons Laws responses. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Overall, Credit Saint is the cheaper option. Do you want to know how to get a 700 credit score in 90 days? Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Andrew is a credit expert with over 20 years of experience in the industry. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. Credit Takeoff is reader-supported. Lexington Law vs. Credit Saint: Which One is Faster? But, we can earn commissions when you click on affiliate links to one or more of our advertisers. Sky blue charges up front. Credit Saint - The Winner Credit repair services typically charge a one-time setup fee and monthly service fees. They must make a reasonable faith effort to resolve grievances raised by customers. 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. Credit Saintreceives high praise on average from its former and current customers. Together, they have helped thousands of consumers repair their credit and clean up their credit report. But if you have a lot more to spend, you may get more value by choosing Lexington Laws Advanced package. Moreover, this firm is applauded by previous customers who highlight Credit Saints transparent operation and commitment to results. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. The only difference is that you will not get unlimited disputes, and Credit Saint will not send custom cease and desist letters. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. For instance, TransUnion says that they conclude most disputes within two weeks. And if you need to upgrade to another package, you can. 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. All Rights Reserved. Credit Polish is Credit Saints most basic credit repair package. Well find out in this Credit Saint review and answer all questions you may have about the company. Fraudulent accounts opened under your credit by someone else. It is one of the few companies that have an A+ Better Business Bureau rating. In 2004, the law firm began focusing on offering credit repair services. Lets compare Credit Saint and some of its competitors to see which ones better. 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. 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. Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. 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. Credit bureaus have innovated online disputes. Credit Saint complaints and positive reviews. Better Business Bureau accredited businesses, like Credit Saint, must adhere to high standards for ethical business practices. If you have challenging credit history, it makes all of these things more complex and frustrating. Credit Saint offers their cheapest package for $79 per month. Both Credit Saint and Lexington Law charge customers a fee each month for their services. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. These errors can impact your score and lead to issues in the future. Credit Repair. Gerald is the founder and editor-in-chief of CreditFixed.com. Over 13 years of experience in credit repair companies and finance. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. On the other hand, if youre thinking about hiring acredit repair company, you should review all your options so you can be confident youre making the best choice for your unique situation. You will find excellent online resources on the platform to help you know more about how credit scores work and what you can do to have an impressive score. This process takes time, and you certainly do not want to take a shortcut. Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. Both brands have built up a loyal following and have good reviews on TrustPilot. The majority of customers are happy with the service. 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. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. This may impact how, where, and in what order products appear. 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. 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. Monthly fees from $69.95 to $119.95, plus first-work fee equal to one month's payment. Here is what is included: This package does not include tailored cease and desist letters, personal finance tools, or the helpful FICO Score Tracker. in-depth review of Lexington Law, click here. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. It is quick and easy, but dont expect tailored insight or advanced credit repair options. Both Credit Saint and Lexington Law offer unique credit repair packages. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Now, if Credit Saint fees are out of your reach, keep in mind that its possible to replicate the same results. However, their number of years in business, excellent BBB rating, and good customer reviews suggest that they are effective in credit repair and one of the best companies in the business. 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. Lexington Law boasts of its effectiveness on its website by providing data that backs up the fact that they receive real results for their customers. We personally recommend Credit Saint, but ultimately, the decision is up to you. Additionally, Concord Premier will not help you with identity theft. Over 850,000 clients in the last 10 years. On the positive side, the company provides full support to clients and offers tips on how they can improve their credit rating. If you are working to repair your credit, youve likely spent extensive time trying to. Credit Saint prices are a little on the higher side especially in comparison to alternatives. Andrew founded Credit Weld with the vision of providing guidance and solutions for those who are experiencing hardship due to poor credit. 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. Credit Saint has a 45-day repair cycle. This is one of the biggest misconceptions with the credit repair industry. Purchase protection is a common credit card benefit that allows consumers to file a claim with their issuer to receive replacement, repair or reimbursement for any Lexington Law Review (2023): Legit Credit Repair Firm or Not? The plan only allows customers to challenge up to 5 negative entries for each billing cycle. 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. The goal of the founders was to revolutionize the repair industry. Select any 2 Credit Repair Companies to compare them head to head, Atlantic City, NJ Mayor Leading Free Resident Credit Repair Effort. The company charges a high initial work fee up to 195 cases based on the plan you have selected. Many common customer complaints include failing to get results, overpromising results, and overcharging for services. Whos faster Lexington Law or Credit Saint? The company appears to be doing well in this department. 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. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. 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. Customers can expect a robust experience when working with Lexington Law. Lexington Law provides better tools, and we particularly like their focus tracks. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. The first step with any credit repair service will likely involve a thorough review of your credit report. 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. Overall, the process takes as long as needed to remove as many negative items from your report as possible. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. Founded in 2007 by industry leader Ross LaPietra, Credit Saint is a clear leader when it comes to credit repair. Customers expect to see immediate results. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. It includes all of the services of the other plans but also adds the value of unlimited challenges to the three credit bureaus. The firm began focusing on credit repair in 2004, although the law firm was formed several years before that, making Lexington Law one of the oldest credit repair companies in the business. Founder of Credit Repair Partner. Additionally, you will get a personalized dashboard to track progress, creditor interventions, score analysis, and score tracker. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. The service has accumulated about 47 complaints on its BBB.org page in the last three years. Credit Saint is a solid choice for credit repair. The only claim to dispute nonfactual information in the credit report. On their BBB.org page, the company responds to complaints within five business days at most. You will need to talk to the agents if you wish to cancel your plan or ask for a refund. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. REVIEWED BY Brad Blanchard | September 12, 2022 November 4, 2022. These are things to consider as you begin to repair your credit. Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. The goal of the founders was to revolutionize the repair industry. 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. Their latest feedback as of July 8, 2021, is a 4-star rating. Is Credit Saint or Lexington Law Cheaper? We were curious how these negative CreditSaint.com reviews were handled. As mentioned earlier, there are many companies offering similar services. 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. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. Citi is an advertising partner. In addition, the company offers a full 90-day money-back guarantee. According to a Javelin report, about 17 million Americans faced identity theft in 2017 alone and the number hasnt decreased in the last fast years. You've heard of couples therapy, but what is it and whom is it for? They are trailblazers, innovators, and above all, credit experts. Additionally, take advantage of the free credit consultations. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. These two questions will help you uncover the truth. However, in our opinion, the best bang for your buck is Credit Saint. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. They will help you dispute errors on your credit report,remove late payments, and more. 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. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. When comparing Credit Saint and Lexington Law, consumers should take note of what educational resources both credit repair companies provide their customers. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. Money.com ranked it as the top credit repair company. This implies they will send out a new round of credit report disputes every 45-days. Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. They choose to issue refunds in some situations and use friendly language when responding to customers. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. 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