While it doesnt always work, there is still a chance of success. It covers the work performed in preparing the first round of disputes. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. Dispute Avalanche designed to make things faster. They claim that this helps them fastrack the preparation of the initial first round of disputes. The monthly cost for this plan is $119.99 per month. Its better to have a response than to have your complaint ignored entirely. They are not accredited and have a C rating. The team members are mainly based in New Jersey and the New York Metro Area. Unfortunately, not everyone understands what goes into a positive credit history. There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. 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. We reviewed reputable third-party resources Google Verified Reviews, TrustPilot, Better Business Bureau, and the Consumer Financial Protection Bureau to gauge the brands industry reputation and trust. A lot of companies in 2022 promise to Disclaimer: We provide free content for our users. Credit Saint works in 45-day cycles. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. This implies they will send out a new round of credit report disputes every 45-days. This means they will send out a new round of credit report disputes every 45-days. Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. Unlimited custom disputes are available on each plan. The company is an excellent option if youre serious about fixing your credit. How Long Does It Take to Repair Your Credit? Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. UnlikeCredit Saint, however, Lexington Law is not accredited by the BBB. Credit Saints cost is justified by its amazing features, including the reliable money-back guarantee. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. Stay up to date with the latest reviews. Lets review the details of each package. 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. While Lexington Law does leverage in-house legal expertise, it is currently facing a class action law suit by the Consumer Financial Protection Bureau (CFPB). 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 Hiring a credit repair provider can save you a significant amount of time and hassle. 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. Credit Saint operates on a 45-day dispute cycle. So far, over 1,000 people have left comments and they maintain a 4.4/5 rating. Lexington Lawscredit helpsection of its website offers a robust number of educational resources to help you understand how credit scores work and what steps you can take to improve and maintain your score. Since 1991, when the company was established, over 10 million negative items have been removed from the consumer reports thanks to the . The PremierPlus package is Lexington Laws most advanced credit repair plan. This plan costs customers $139.95/month. Your credit score could, Wondering if a 550 credit score is good or bad? Think about a loan that you never took but it appears on your report due to an administrative error. Overall, Credit Saint is the cheaper option. #1 CreditRepair.com. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. Andrew is a credit expert with over 20 years of experience in the industry. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt. However, in our opinion, the best bang for your buck is Credit Saint. Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint. The Consumer Financial Protection Bureau (CFPB), which is the federal agency that handles oversight of the credit repair industry, filed alawsuitagainst Lexington Law in 2019, in which the CFPB alleges the company engaged in deceptive business practices by participating in an affiliate network that directed potential customers to Lexington Law. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. 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. However, note that it comes with certain conditions. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Credit Saintand Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. Where can you find the best online couples therapy? Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. The Lexington Law firm provides three pricing options: Compared to Credit Saints Clean Slate plan, the Advanced plan certainly has more features, and its only going to cost you $129.95, about $10 more. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. Customers typically mention the names of paralegals who intervened in their cases. In a past comment, they mention that they go after half of the available items to dispute. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. 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. So, compared to Credit Saint, its a cheaper option. Fortunately, there are ways to remove incorrect items. view details Credit service companies cannot promise a result or credit score increase. The monthly cost for this high aggressive plan is $99.99. Lexington Law may be better prepared to assist customers through negative life events. Credit repair is just like it sounds: a process by which your credit history and score are improved. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. Additionally, take advantage of the free credit consultations. The company goes beyond the scope of a traditional credit repair services provider by offering excellent resources and free consultation, which can be a great way to get started. We'll keep you informed, and we'll never sell your information to anyone. They also have mobile apps for easier progress tracking. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. Top Consumer Reviews. This shouldnt be considered a drawback since no company in this niche can make such promises. 89% of Lexington Law customers that have experienced improvement with the service have increased their credit score by at least 40 points. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. Like we said earlier, repairing your credit is a long process. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. Other than that, you still get all the extra features available on the Clean Slate package. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. 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. Lexington Law, on the other hand, charges $129.95 with a work fee of $129. Here is what is included: This package does not include tailored cease and desist letters, personal finance tools, or the helpful FICO Score Tracker. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. Lexington Law currently has a pending federal lawsuit that alleges deceptive and unlawful marketing and billing practices (the company is currently disputing the suit and has filed a motion to dismiss it). There is a one-time $195 sign-up fee, and then youll pay $119.99 every month youre enrolled. 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. For instance, you can check reviews on Credit Saint on Google Reviews. 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. Purchases made through links may earn a commission. Having said this, Lexington Law still takes time to respond to complaints. These options range from basic to aggressive credit repair services. Overall, online reviewers have positive things to say aboutCredit Saint. Credit Saint vs Lexington Law vs Sky Blue vs CreditRepair.com vs Ovation 2022 CREDIT S2E216 5,446 views Jul 16, 2021 121 Dislike Share The Awesome S'witty Kiwi Show Credit Saint vs. That's a great question, because "payday loans" and "trustworthy" don't tend to be said in the same Where can you find the best personal loans? On the other hand, the company appears to address each negative review, which is a positive sign. In this highlighted review, the client complained about not seeing any removal but getting charged for the service. Both firms also offer free consultations. It was the same year that John C. Heath became the directing attorney. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. How Long Does It Take to Repair Your Credit? The law firm will provide your TransUnion credit report summary and Transunion FICO score. On their website, they claim most customers stay with them for 6 months. Blood pressure issues are very common in the United States. Its not necessarily a reflection of the quality of their services. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. Is Credit Saint or Lexington Law Cheaper? Like us? Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. 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. The team even sent his day one and final-day credit report showing the positive changes after their repair process. You know your credit situation better than anyone else, so take this decision seriously. Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. The positive BBB rating of Credit Saint suggests that the company has good customer service and handles complaints and inquiries satisfactorily. 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. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. IHG Rewards Club Premier Credit Card Review. 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. Like Credit Saint, Lexington Law also offers three different credit repair options to meet the needs of various clients. 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. Actually, their cheapest and most expensive plans differ by about $10. 2019 - 2023 SimpleMoneyLyfe LLC. In a crowded market, it is hard for consumers to choose a credit repair company. They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. Now, lets compare some key features of the best credit repair services: From this overview, you may have gathered that both services offer similar pricing plans. Elsewhere, both companies get generally favorable reviews from former and current clients. The company is unique because it compromises solicitors with experience in the niche. On the subject of feedback, reviews on Credit Saint generally focus on the exceptional help provided by the customer representatives. It can remove judgments and help improve your credit score. Most services state that you'll see negative items removed from your credit history within the first 90 days. Get started today with a FREE credit consultation. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. 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. 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. We may receive compensation (at no cost to you) when you click on links to those products. 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. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. Now, what features do you get? 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. Both Credit Saint and Lexington Law are two of the best credit repair companies in the United States. All three packages come with a $99.00 initial work fee that you pay upfront once in addition to the monthly fee. Both Credit Saint and Lexington Law offer unique credit repair packages. The only claim to dispute nonfactual information in the credit report. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. Using the incorrect name, address, or Social Security number. Credit Saint offers a 90-day money-back guarantee, while The Credit Pros doesnt make any refund promises. 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? You can also have a better feel of their customer service quality by obtaining their free consultation. Today, they continue offering technology-supported credit repair services thanks to their partnership with Progrexion Holding. Both services are trusted leaders in the credit repair industry and are known for delivering reliable services. The Credit Pros Review: Best Credit Repair Company? This process takes time, and you certainly do not want to take a shortcut. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. When analyzing the professionalism of their customer support reps, we also reviewed how they respond to complaints. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. This means there are more than 40 million reports to take care of. Lexington Law offers more value by including cease-and-desist letters and identity protection in their advanced package. On the other hand, Credit Saint has not been specific about its use of electronic disputes. I worked in the credit repair industry for about 10 years. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. 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. If you are working to repair your credit, youve likely spent extensive time trying to. Credit Saint BBB rating is pretty impressive. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. Its a great place to see their office photos too. With the Credit Remodel package, Credit Saint will dispute up to 10 inaccurately reported items on your credit report. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. This plan costs $119.95/month. Credit bureaus have innovated online disputes. Clean Slate While neither Credit Saint nor Lexington Law provides cookie-cutter answers to this question, our research indicates that Credit Saint is more aggressive at filing disputes and intervening with creditors. People lost more than $16 billion due to these cases and the problem is only increasing. If there have been deletions within 90 days, Credit Saint may not issue the refund. The last thing you want to do is incur more debt. 8.2 million removals and 26+ million challenges and disputes since 2012. Our reviewers evaluate products and services based on unbiased research. Now, if Credit Saint fees are out of your reach, keep in mind that its possible to replicate the same results. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. Customers receive regular updates on progress to ensure theyre fully aware of whats happening. Credit Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. Their cornerstones include determination, revolutionary, integrity, vision, and excellence. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. The Clean Slate package is Credit Saints most aggressive credit repair plan. Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. Lexington Law vs. Credit Saint: Customer Service. While both credit repair companies have good reputations and similar pricing,Credit Saintedges out Lexington Law in our review. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. Although both companies have remained in business for a long time, are well-known, and have served many clients, deciding which one to use is a matter of personal preference. The results are processed in order to detect spammy and fake feedback. Generally, the service doesnt have as many complaints on their BBB.org page as competing services like Lexington Law. Customers can expect a personalized dashboard to track progress, three credit repair packages to choose from, and a complimentary credit consultation from a credit professional. When conducting this Credit Saint review, we didnt find profiles of their service experts or their qualifications on the main site. The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. 250 Pehle Ave #200, Saddle Brook, NJ 07663, United States. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. And this gives you a chance to ask questions and explore your options. Creditrepair.com maintains an advantage when it comes to tools and technology. Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. Credit Saint is the oldest credit repair company in the industry. Which paid survey companies are the best? Not many people are fully aware of what credit repair firms do or why they need to hire one. Citi is an advertising partner. Credit Saint operates on a 45-day dispute cycle. We'd love to have you join our community! Are you typically available to make calls during business hours? They bring years of experience to the table and a team of credit repair analysts who are industry veterans. So, all-in-all, this package is not that different from their Clean Slate offering. Top Reviews. We were curious how these negative CreditSaint.com reviews were handled. When going over Credit Saints services, one thing that stands out is that they dont make such promises. Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. But if you are serious about repairing your credit, then you need to approach this situation with a long-term mindset. The customer seemed to be fresh from signing up and expressed that they had a good conversation with Jordan, a company rep. 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? Top Products. Also, note that no company can remove legitimate items from a credit report. Because its a real law firm, Lexington Law is different than most other credit repair companies. According to the CFPB, this behavior was unlawful, as federal statutes prohibit credit repair companies from taking any money from customers until the company has done work on the customers behalf. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. Protection against identity theft services. Do you want to know how to get a 700 credit score in 90 days? People with bad credit retain credit repair companies to help them dispute entries on their credit reports and improve their credit scores. It also includes a credit analysis component. Were impressed with Lexington Laws stats that 70 percent of its customers saw a 40-point increase of their credit score within six months of credit repair services. The company has a 4.4-star average rating across more than 1,100 Google reviews, with the majority of reviewers praising the companys responsiveness, professionalism, and results. Lexington Law is the biggest advertiser thus they have the biggest problem now. Each text is published after its detailed proofreading. You will need to pay an initial setup fee of $99. Credit Saint prices are a little on the higher side especially in comparison to alternatives. It is a relatively small number compared to their popularity in the repair industry. With the facts presented before you, we hope our research provides clarity to your situation. You can follow them on their social media pages for updates when they publish new guides. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. For instance, you can download a 609 letter and pay-for-delete letter template. Still, you should be aware of what credit repair companies have good reputations and similar pricing, Saint! Pressure issues are very common in the industry only increasing good customer service quality obtaining! 07663, United States which means you will need to approach this with. Get generally favorable reviews from past and current customers have as many complaints on their Social media pages for when. In new Jersey and the credit saint vs lexington law and cons of each companys cost, reputation customer! And will partner with an Area not for profit organization, O.C.E.A.N Law will you! 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