credit saint vs lexington law
Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. How to Dispute Medical Bills on Your Credit Report? Both plans provide score analysis, credit report updates, and inquiry targeting. While it is pretty reliable and popular, it doesnt have a very good BBB rating, unlike Credit Saint. If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. 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. Rather than jumping to conclusions, we will first present facts about the two credit repair services. How Rapid Rescoring Can Quickly Raise Your Credit Score, Credit Remodel At $99.99 per month, the Credit Remodel package isCredit Saints mid-tier service level. You've heard of couples therapy, but what is it and whom is it for? This implies they will send out a new round of credit report disputes every 45-days. 250 Pehle Ave #200, Saddle Brook, NJ 07663, United States. It is a relatively small number compared to their popularity in the repair industry. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. Lexington Law firm is another large and well-known credit repair agency that offers similar services to Credit Saint. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. 1-833-333-8277 Cody Johnson, Managing Attorney, John C. Heath, Attorney at Law, PC, d/b/a Lexington Law Firm, 20620 North 19th Avenue, Phoenix, Arizona 85027 Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. Credit Saint complaints and positive reviews. It includes all of the services of the other plans but also adds the value of unlimited challenges to the three credit bureaus. The platform lags behind in terms of tech and tools. 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. Lexington Law leverages this process to fix their clients' credit. 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. Credit Saint offers consumers three straightforward packages that are each designed to meet a different need. Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. Pena vs. Lexington Law Firm was . Learn more about our process. Additionally, looking at customer reviews shows that Lexington Law has significantly more negative reviews than Credit Saint. Money.com ranked it as the top credit repair company. Hiring a credit repair provider can save you a significant amount of time and hassle. But large or small any company or person that charges anone upfront is breaking the law. Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. 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. 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? 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. Who wins the Credit saint vs. Lexington law pricing war? The monthly cost for this high aggressive plan is $99.99. Credit Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. Lexington Law vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. And this gives you a chance to ask questions and explore your options. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. Credit Saint - The Winner Which blood pressure supplement is the best? Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. The mid-level plan starts as low as $99.99. Where can you find the best Moving Company? But make sure that you are reviewing companies that provide an equivalent level of service. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. The two companies have provided credit repair services for several years and have made large impacts on the credit repair industry. Credit Saintis more transparent about its enrollment fees, whereas Lexington Law makes it difficult to know exactly how much youll pay for a first work fee when you sign up for services. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. In addition to legal representation, they also offer a credit monitoring and repair service that comes in three different tiers. 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. Overall, Credit Saint is the cheaper option. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. Are you looking to move somewhere new? The company appears to be doing well in this department. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. And if you need to upgrade to another package, you can. When going over Credit Saints services, one thing that stands out is that they dont make such promises. 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. The company has maintained an A+ rating for 13 years making it one of the most reliable credit repair firms. The positive BBB rating of Credit Saint suggests that the company has good customer service and handles complaints and inquiries satisfactorily. Using the incorrect name, address, or Social Security number. 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. All plans are flexible with the option to cancel anytime. Follow us! 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. Private Dashboard Talk to us as much or as little as you like. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. The law firm will provide your TransUnion credit report summary and Transunion FICO score. As mentioned earlier, there are many companies offering similar services. The service has accumulated about 47 complaints on its BBB.org page in the last three years. Lexington Law may be better prepared to assist customers through negative life events. All Rights Reserved. Lexington Law vs. Credit Saint: Customer Service. There are several credit repair companies on the internet and while they all claim to be the best, theyre not made equal. 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. These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. The step below PremierPlus is Concord Premier. This is Lexington Laws most basic offering. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. This engagement demonstrates that they do care about addressing concerns and remedying issues. Finally, our readers comes first. Credit Saint is a solid choice for credit repair. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. 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. Both brands have built up a loyal following and have good reviews on TrustPilot. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. They have two affordable packages, going for $79 and $109 per month. If we feel this product or service is not to our standards we will not recommend solely due to money. There is a one-time $195 sign-up fee, and then youll pay $119.99 every month youre enrolled. Founded in 2007 by industry leader Ross LaPietra, Credit Saint is a clear leader when it comes to credit repair. This means being in it for the long haul. It all comes down to reputation. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. The biggest determinant of how fast items will be removed from your credit report is not the company you select. Now, its time for us to render our verdict, and surprisingly, its a tie. Regular membership goes for $119.99. If youre considering a credit repair service, its important to take positive and negative reviews as a whole before you make a decision. This service which analyzes the positives, includes coaching you on ways to pay your bills and open/close credit cards to maximize your credit score. Lexington Law vs Credit Saint: Whos Better? So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. Learn more >. Depending on which company you choose, the service might also include cease and desist letters, goodwill letters to help you qualify for credit in the future, credit monitoring to keep you on track, and one-on-one coaching. That's where credit repair services enter the picture. This means they will send out a new round of credit report disputes every 45-days. 2019 - 2023 SimpleMoneyLyfe LLC. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. It leverages digital partnerships to facilitate electronic disputes and provides personal finance tools in its mobile app. Who can you trust when looking for the best payday loans? Most clients see a 40-point increase in their credit score in six months. While it doesnt always work, there is still a chance of success. Call us today to take advantage of our no-obligation offer. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. Clean Slate All plans come with a reliable 90-day money-back guarantee. Lexington Laws basic service package provides access to bureau challenges and creditor interventions. You can choose from a variety of repair plans according to your requirements and budget. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. And a credit repair company may come to the rescue. Additionally, take advantage of the free credit consultations. 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! Credit Saint and Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. Both companies are established and highly visible players in the business. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. People with bad credit retain credit repair companies to help them dispute entries on their credit reports and improve their credit scores. #1 CreditRepair.com. Lexington Law may be able to help you repair your credit, but keep in mind that federal law prohibits any credit repair company from guaranteeing specific results. The site is designed to help consumers repair credit reports and improve their financial standing. Because its a real law firm, Lexington Law is different than most other credit repair companies. 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. Now, this does not mean that they will allow you to challenge all negative entries at once. It can remove judgments and help improve your credit score. Both Credit Saint and Lexington Law are two of the best credit repair companies in the United States. Lexington Law provides better tools, and we particularly like their focus tracks. Fortunately, there are ways to remove incorrect items. All of us feel a little overwhelmed sometimes, and it's nice to have support when times are rough. Who provides the best debt relief? 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. Disclaimer: We offer completely free content to our users. Well, there are no significant differences. Credit Saint customers know that they can get their money back if there have been no removals in 90 days. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. Each persons financial situation is unique, so its difficult to say how long credit repair will take. 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. Both Lexington Law and Credit Saint offer robust credit repair packages. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. Credit Saint bills this package as the most aggressive. With this package, they will dispute up to 5 inaccurately reported items on your credit report. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Also, note that no company can remove legitimate items from a credit report. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. Better Business Bureau accredited businesses, like Credit Saint, must adhere to high standards for ethical business practices. 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. However, in our opinion, the best bang for your buck is Credit Saint. Citi is an advertising partner. Additionally, Lexington Law's most advanced service level is more than Credit Saint's most advanced package option. 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? Both credit repair companies have a lot to offer, so its important to check them out and carefully review their services before making a decision. You can choose from three plans. Blood pressure issues are very common in the United States. But if you are serious about repairing your credit, then you need to approach this situation with a long-term mindset. Credit Saint edges Lexington Law when it comes to offering downright friendly services. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. When comparing Lexington Law vs. Credit Saint, its also vital to compare the educational resources. There is an initial work fee, but no information on the website about how much that fee costs. We were curious how these negative CreditSaint.com reviews were handled. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. 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. Customers can expect a robust experience when working with Lexington Law. 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 Takeoff is reader-supported. 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