Top 4 Lenders for Bad Credit Loans: Compare Rates and Terms. In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. Additionally, looking at customer reviews shows that Lexington Law has significantly more negative reviews than Credit Saint. Unfortunately, live chat is not available right now but you can get in touch with the team via email or the ticketing system or phone that is available 5 days a week. The biggest determinant of how fast items will be removed from your credit report is not the company you select. Monthly pricing is more expensive than Credit Saint. Sometimes. Many educational resources on the Lexington Law website help customers understand credit scores and how to improve them. In a crowded market, it is hard for consumers to choose a credit repair company. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. How Long Does It Take to Repair Your Credit? As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. Are you typically available to make calls during business hours? Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. On average, customers subscribe for six months of service. Of course, as with anything, different aspects of each company will appeal to different clients, so you should always individually weigh the pros and cons of both Credit Saint and Lexington Law before deciding which one would work best for you and your credit repair needs. Additionally, Credit Saint has not been involved in any lawsuits brought about by disgruntled customers or the Consumer Financial Protection Bureau (CFPB). There are so many different ways to go. Lexington Law firm is another large and well-known credit repair agency that offers similar services to Credit Saint. These things suggest the companys customer service pleases its customers. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt. 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 There are many credit repair firms out there and if you search for the best credit repair companies, you will definitely come across Credit Saint credit repair. Credit Saint operates on a 45-day dispute cycle. Lets get started: Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. Making it possible to keep tabs on your FICO rating as well as your scores from other reporting bureaus using credit monitoring services. Lexington Laws basic service package provides access to bureau challenges and creditor interventions. It has a C rating with the BBB and is not an accredited BBB company. In the Google Play store alone, Lexington Law has an average 4.5-star rating out of more than 18,000 reviews. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. This makes it easy to monitor your account and the credit repair process on the go. You will need to pay an initial setup fee of $99. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. Like Credit Saint, Lexington Law also offers three different credit repair options to meet the needs of various clients. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. The wrong loan and credit card balances listed. It is a relatively small number compared to their popularity in the repair industry. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. Who provides the best debt relief? However, in our opinion, the best bang for your buck is Credit Saint. It is a well-known credit repair company in the industry that offers some great features. In addition to legal representation, they also offer a credit monitoring and repair service that comes in three different tiers. This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. The Clean Slate package is Credit Saints most aggressive credit repair plan. But are its programs worth a try? There is something scary about looking at your credit report and finding items that you do not find justified or valid. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. Now, its time for us to render our verdict, and surprisingly, its a tie. However, Lexington Law says that 70 percent of its customers saw a 40-point improvement in their credit score after six months of using the service. Furthermore, repairing your credit is not an overnight fix. The service has accumulated about 47 complaints on its BBB.org page in the last three years. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. They choose to issue refunds in some situations and use friendly language when responding to customers. When choosing a credit repair company to work with, there are a few things you need to consider. Credit Saint has a $99 setup fee for their lower packages and a $195 setup fee for their Clean Slate package, but their monthly costs are less than Lexington Laws. Elsewhere, both companies get generally favorable reviews from former and current clients. In this second featured feedback, the client said that she received help from a phenomenal agent who was kind, patient, and understanding. She said she was planning to choose another provider but selected Credit Saint credit restoration services because of how the agent handled her questions and concerns. Learn more >. In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. The plan only allows customers to challenge up to 5 negative entries for each billing cycle. 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). So which one offers the best credit repair services? Pena vs. Lexington Law Firm was . Lexington Law, on the other hand, charges $129.95 with a work fee of $129. 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. We were curious how these negative CreditSaint.com reviews were handled. Also, note that no company can remove legitimate items from a credit report. Customers receive regular updates on progress to ensure theyre fully aware of whats happening. 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. Like us? In contrast, Lexington Law's BBB rating is only a C. Review winner: Credit Saint Credit Repair Results of LExington Law Vs. Credit Saint They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. It includes all of the services of the other plans but also adds the value of unlimited challenges to the three credit bureaus. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. Credit Saint complaints and positive reviews. The team even sent his day one and final-day credit report showing the positive changes after their repair process. They are trailblazers, innovators, and above all, credit experts. If you are serious about repairing your credit, it makes a good option that is relatively risk-free for the first three months. They have a polished team of professionals that understands the business well. At this level,Credit Saintoffers unlimited disputes each dispute cycle, plus all the features included in the Credit Polish and Credit Remodel packages. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. Lexington Law begins the process as soon as 48 hours. Well find out in this Credit Saint review and answer all questions you may have about the company. If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. Rather than jumping to conclusions, we will first present facts about the two credit repair services. However, with so many companies on the market, it can be hard to decide which direction to take. These two companies have many similarities but also some differences that may be important when deciding between the two services. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. In addition, the company offers a full 90-day money-back guarantee. Their cheapest plan goes for $69, which means that youll pay less than if you got the Credit Saints Credit Polish package at $79.99. Most services state that you'll see negative items removed from your credit history within the first 90 days. But, how much time do you have? Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. The company is unique because it compromises solicitors with experience in the niche. Fraudulent accounts opened under your credit by someone else. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. Credit saint vs. Lexington law, who is the undisputed winner? It helps them achieve faster outcomes. 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. With the Credit Remodel package, Credit Saint will dispute up to 10 inaccurately reported items on your credit report. 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. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Free consultation and 90-day money-back guarantee. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. These two questions will help you uncover the truth. This team of legal professionals is known for solving the most complex credit problems. Both Credit Saint and Lexington Law offer unique credit repair packages. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. If youve recently missed a credit card payment or youre about to miss an upcoming, A car repossession can cause lasting damage to your credit report. Now that said, Credit Saint is accredited and has an A- rating. It has one of the best guarantees in the industry, which can be a great reason to give it a try. Your credit score even directly impacts the cost of your New Jersey auto insurance. 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. All plans are flexible with the option to cancel anytime. Its currently under the helm of the original founder, Ross LaPietra. Not only is Credit Saint a BBB accredited business, but all programs come with Credit Saint's 90-day Money Back Guarantee. Most clients see a 40-point increase in their credit score in six months. 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. 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. It also enjoys anA ratingfrom the Better Business Bureau (BBB) and its one of a handful of credit repair companies accredited by the BBB. It is quick and easy, but dont expect tailored insight or advanced credit repair options. Anything over 700 is considered to be "good" and can be the key to opening doors financially - everything from renting an apartment to securing an auto loan or mortgage may rest on your credit report. Seeing tangible results can motivate you to stay on track with maintaining good credit. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. This is Lexington Laws most basic offering. The positive BBB rating of Credit Saint suggests that the company has good customer service and handles complaints and inquiries satisfactorily. Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. 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. Rejected bankruptcies and defunct collection accounts. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). This implies they will send out a new round of credit report disputes every 45-days. So, shopping around for credit repair firms is highly advised. 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