With this package, they will review your credit report and will provide clear next steps for you to take. Lexington Law offers more value by including cease-and-desist letters and identity protection in their advanced package. The setup fee is only $129.95, meaning that you may spend $66 less during your first month with Lexington Law. Credit Polish is Credit Saints most basic credit repair package. This is Lexington Laws most basic offering. The two companies have provided credit repair services for several years and have made large impacts on the credit repair industry. SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. 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. All plans are flexible with the option to cancel anytime. Having said this, Lexington Law still takes time to respond to complaints. 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. Purchases made through links may earn a commission. Its currently under the helm of the original founder, Ross LaPietra. If youre looking for straightforward credit repair without a lot of frills and extras, you can probably accomplish your goals with the Concord Standard plan. These two companies have many similarities but also some differences that may be important when deciding between the two services. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). Other providers actually specify a minimum credit score improvement. Additionally, take advantage of the free credit consultations. But there are two questions you need to ask yourself. Again, these are things you need to consider. Over 13 years of experience in credit repair companies and finance. The goal of the founders was to revolutionize the repair industry. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. Each plan varies in offerings and is priced differently. Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Call us today to take advantage of our no-obligation offer. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. You shouldn't expect miraculous, rapid increases in your credit score - most credit repair processes result in a modest increase of about 40 points, though some may bring you up by 100 points or more - but it could be what makes the difference for your financial goals and credit needs. Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. If youre serious about repairing your credit and obtaining a good credit score and looking for a credit repair company to help you with the task, Credit Saint is one of the best credit repair companies to consider. Both Credit Saint and Lexington Law charge customers a fee each month for their services. Its better to have a response than to have your complaint ignored entirely. And let me be crystal clear, this package is loaded with features not included in the other two offerings. This means there are more than 40 million reports to take care of. You can choose from a variety of repair plans according to your requirements and budget. For instance, the company lacks a service guarantee. Credit Saint works in 45-day cycles. Which foreclosure listing website is the best? Well, there are no significant differences. The step below PremierPlus is Concord Premier. Credit Saint vs. Lexington Law Credit Repair. Lexington Law provides better tools, and we particularly like their focus tracks. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. Not only is Credit Saint a BBB accredited business, but all programs come with Credit Saint's 90-day Money Back Guarantee. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. If youre looking for the cheapest plan, you are better off using Credit Polish offered by Credit Saint. They also expect customers to have made timely payments in the past. Also, note that no company can remove legitimate items from a credit report. He has helped people repair their credit by giving them easy to follow steps, advice and tips on how to improve their financial situation. This is comparable to other credit repair services, and we like that Lexington Law offers a range of service levels designed to accommodate all budgets. These two questions will help you uncover the truth. These tools will help you pay off your debt and budget your money. When comparing Lexington Law vs. Credit Saint, its also vital to compare the educational resources. With Credit Saint, the initial free review includes a professional analysis of your credit reports. Credit Saint and Lexington Law will also help craft cease and desist letters that encourage creditors from continuing to report inaccurate information after it's been disputed. 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. This can offer a great deal of peace of mind when youre worried about getting yourcredit score back on track. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. Lexington Law vs Credit Saint: Whos Better? 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. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. Credit Saint operates on a 45-day dispute cycle. 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. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. 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. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. If you are working to repair your credit, youve likely spent extensive time trying to. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. Disclaimer: We offer completely free content to our users. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. Credit Saint operates on a 45-day dispute cycle. But if you are serious about repairing your credit, then you need to approach this situation with a long-term mindset. Sometimes. Seeing tangible results can motivate you to stay on track with maintaining good credit. 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. 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. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. 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. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee Offering the first-ever 90-day money-back guarantee in the credit repair industry, Credit Saint is relentlessly consumer-centric. This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. For instance, you can download a 609 letter and pay-for-delete letter template. Lexington law comes off as the better service when it comes to free credit guides. People with bad credit retain credit repair companies to help them dispute entries on their credit reports and improve their credit scores. However, The Credit Pros has a top plan that is more expensive than Credits Saints most aggressive package. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. If youre considering a credit repair service, its important to take positive and negative reviews as a whole before you make a decision. The company is unique because it compromises solicitors with experience in the niche. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. 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. The only claim to dispute nonfactual information in the credit report. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. You can also compare Credit Saint vs Lexington Law by exploring all of the top credit repair services. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. You can trust that when you read any article on Credit Weld, the interest of the reader comes first and the information provided leads to one goal: Improving your credit for life. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. includes everything in the Credit Polish plan but adds the additional value of inquiry targeting and up to 10 challenges to the three credit bureaus every dispute cycle. Late payments, applying for multiple credit cards in a short period of time, or even problems with mistaken identity can all lead to a less-than-excellent credit profile. Top Consumer Reviews. Credit saint vs. Lexington law Which one is the best? A live agent will also contact you to talk about the details of your credit history. However, in our opinion, the best bang for your buck is Credit Saint. It is one of the few companies that have an A+ Better Business Bureau rating. (2023), Lexington Law vs. Credit Saint: Credit Repair Packages and Price, Credit Saint vs. Lexington Law: Educational Resources. Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. Credit saint vs. Lexington law, who is the undisputed winner? These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Better Business Bureau accredited businesses, like Credit Saint, must adhere to high standards for ethical business practices. 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! 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