The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. 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! They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. On the subject of feedback, reviews on Credit Saint generally focus on the exceptional help provided by the customer representatives. And a credit repair company may come to the rescue. Select any 2 Credit Repair Companies to compare them head to head, Atlantic City, NJ Mayor Leading Free Resident Credit Repair Effort. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. 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 If youre shopping around for credit repair services, its something to consider as you compare companies. Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. 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 company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. On the other hand, Lexington Law is quite vague about the speed of their service. Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. Lexington Law firm is another large and well-known credit repair agency that offers similar services to Credit Saint. Stay up to date with the latest reviews. The platform lags behind in terms of tech and tools. Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. Offering the first-ever 90-day money-back guarantee in the credit repair industry, Credit Saint is relentlessly consumer-centric. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. 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. Sky Blue is one of the oldest repair companies. In addition, the company offers a full 90-day money-back guarantee. It helps them achieve faster outcomes. Couples discounts & regular work-free promotions. Rather than jumping to conclusions, we will first present facts about the two credit repair services. Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. Lexington Law vs Credit Saint: Whos Better? Customers receive regular updates on progress to ensure theyre fully aware of whats happening. Rejected bankruptcies and defunct collection accounts. For instance, the company lacks a service guarantee. Well, there are no significant differences. The goal of the founders was to revolutionize the repair industry. Sky Blue Credit vs Ovation Credit Services, Sky Blue Credit vs Credit Repair Consultants, The Credit People vs Ovation Credit Services, The Credit People vs MSI Credit Solutions, The Credit People vs Pyramid Credit Repair, The Credit People vs Credit Repair Consultants, Ovation Credit Services vs MSI Credit Solutions, Ovation Credit Services vs The Credit Pros, Ovation Credit Services vs Pyramid Credit Repair, Ovation Credit Services vs Credit Repair Consultants, Credit Saint vs Credit Repair Consultants, MSI Credit Solutions vs Pyramid Credit Repair, MSI Credit Solutions vs Credit Repair Consultants, The Credit Pros vs Credit Repair Consultants, Lexington Law vs Credit Repair Consultants, Credit Repair vs Credit Repair Consultants, Pyramid Credit Repair vs Credit Repair Consultants, Credit Repair Consultants vs Credit Monkey, No first work fees when you add one family member, Over 70 million removals and 22.3 million challenges and disputes, 89% of clients with improvement see an average credit score increase of 40 points. There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. The plan only allows customers to challenge up to 5 negative entries for each billing cycle. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. Free consultation and 90-day money-back guarantee. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. Unfortunately, Credit Saint does not have a robust blog on its website; however, that is changing according to our research. However, note that it comes with certain conditions. Today, they continue offering technology-supported credit repair services thanks to their partnership with Progrexion Holding. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. The firm offers 3 credit repair plans to suit different needs, along with a 90-day money back guarantee. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. The positive BBB rating of Credit Saint suggests that the company has good customer service and handles complaints and inquiries satisfactorily. 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. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. Credit Polish is Credit Saints most basic credit repair package. Let's [] The setup fee is only $129.95, meaning that you may spend $66 less during your first month with Lexington Law. These are things to consider as you begin to repair your credit. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. Thats because you will need to work with someone to identify potential dispute candidates. They consistently offer consumers the best results and services. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. Now, this does not mean that they will allow you to challenge all negative entries at once. Overall, online reviewers have positive things to say aboutCredit Saint. However, we must mention that it does not make any promises to boost your score or help you reach a certain number. How To Choose Between Lexington Law and Credit Saint. However, it doesnt come with a guarantee. On the other hand, the company appears to address each negative review, which is a positive sign. They provide various templates you can use when challenging the bureaus and information furnishers. It is a well-known credit repair company in the industry that offers some great features. This engagement demonstrates that they do care about addressing concerns and remedying issues. All three packages come with a $99.00 initial work fee that you pay upfront once in addition to the monthly fee. A live agent will also contact you to talk about the details of your credit history. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. Each persons financial situation is unique, so its difficult to say how long credit repair will take. That's where credit repair services enter the picture. 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. Their latest feedback as of July 8, 2021, is a 4-star rating. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. This means they will send out a new round of credit report disputes every 45-days. They also expect customers to have made timely payments in the past. Most services state that you'll see negative items removed from your credit history within the first 90 days. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. Money.com ranked it as the top credit repair company. If youre looking for the cheapest plan, you are better off using Credit Polish offered by Credit Saint. According to an FTC report, about 20 percent of people in the country have at least one inaccuracy on their report. As with any credit repair service, the length of time required to see movement in your score depends on your unique situation. Customers can expect a robust experience when working with Lexington Law. For instance, TransUnion says that they conclude most disputes within two weeks. Each plan varies in offerings and is priced differently. They are not accredited and have a C rating. Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. Other than that, you still get all the extra features available on the Clean Slate package. Its not necessarily a reflection of the quality of their services. However, articles or reviews may contain affiliate links and we may earn a commission. 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. Your credit score could, Wondering if a 550 credit score is good or bad? Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau. In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. Is Credit Saint a Good Credit Repair Company? Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. These options range from basic to aggressive credit repair services. gives customers the benefits of the lower-level services and TransUnion FICO score, lost wallet protection, a Personal Finance Manager, and Junk Mail Reducer service. This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. 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. Their cornerstones include determination, revolutionary, integrity, vision, and excellence. Gerald is the founder and editor-in-chief of CreditFixed.com. This shouldnt be considered a drawback since no company in this niche can make such promises. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. Credit Saint responded by saying that a manager had reached out to the client after confirming that there were removals for his account. For this reason, many people enlist the help of a credit repair company to assist with the task. Credit Takeoff is reader-supported. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. 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. While it doesnt always work, there is still a chance of success. This means there are more than 40 million reports to take care of. 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. On average, customers subscribe for six months of service. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. Like we said earlier, repairing your credit is a long process. For instance, you can download a 609 letter and pay-for-delete letter template. provides you will all of the features included in the standard plan and the addition of Credit Report Watch Alerts. Learn more >. And a credit repair company may come to the rescue. Many educational resources on the Lexington Law website help customers understand credit scores and how to improve them. If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. Here is a few list of features included in this plan: As you can see, this package is loaded with helpful features. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. Our goal: to inform and educate Americans with low credit scores, helping them improve their scores on their own or through credit repair services. You can also cancel the service at any time without incurring any penalties or fees. 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. By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. All of us feel a little overwhelmed sometimes, and it's nice to have support when times are rough. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. You will find many Credit Saint reviews on the Internet. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Not all Credit Saint reviews are positive. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. It all comes down to reputation. This implies they will send out a new round of credit report disputes every 45-days. 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. They are trailblazers, innovators, and above all, credit experts. It has a company mobile app (Apple and Android) where you can monitor account progress from the convenience of your phone. The monthly cost for this high aggressive plan is $99.99. Purchases made through links may earn a commission. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. Both companies have been in business for several years and offer quite a bit in terms of credit repair services and additional services. The two companies have provided credit repair services for several years and have made large impacts on the credit repair industry. With the facts presented before you, we hope our research provides clarity to your situation. 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. The monthly cost for this plan is $119.99 per month. 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. Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. 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. The team even sent his day one and final-day credit report showing the positive changes after their repair process. Founded in 2004, Lexington Law is a credit repair firm with thousands of success stories. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. 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. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. That said, Lexington Laws website states that 70 percent of their clients saw their credit scores increase an average of 40 points within six months of using the service. Protection against identity theft services. Follow us! The only claim to dispute nonfactual information in the credit report. is the very high aggressive plan offered by Credit Saint. Credit repair involves identifying issues with your credit report, Our Ovation Credit review 2022 reaffirms the companys commitment to personalized credit repair. They only facilitate the process but they dont control what gets removed. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. 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. The Concord Premium package lacks cease & desist letters, FICO Score Tracker, ID protection, and finance tools. (2023). Are you looking to move somewhere new? On the other hand, there are companies that don't deliver what they promise. Unfortunately, not everyone understands what goes into a positive credit history. 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. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. They also offer a 90-day money-back guarantee if you do not see any questionable items removed from your credit report during that time. 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. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Whos faster Lexington Law or Credit Saint? The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. 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. The customer seemed to be fresh from signing up and expressed that they had a good conversation with Jordan, a company rep. Before making a decision about a credit repair service, its a good idea to read through the positive and negative reviews so you can get a feel for the pros and cons of each service. 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). Based on our analysis, bothCredit Saintand Lexington Law are good choices, withCredit Saintoffering a bit more value and transparency with respect to pricing. The company is also an actual Utah-based law firm that deals with other legal matters as well. Credit Saint is the oldest credit repair company in the industry. However, in our opinion, the best bang for your buck is Credit Saint. Credit Repair. People lost more than $16 billion due to these cases and the problem is only increasing. In a crowded market, it is hard for consumers to choose a credit repair company. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. Credit Saint prices are a little on the higher side especially in comparison to alternatives. You can find some recent articles in their blog section. Customers must receive a free credit consultation with Lexington Law to receive complete pricing. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. The goal of the founders was to revolutionize the repair industry. But if you are serious about repairing your credit, then you need to approach this situation with a long-term mindset. Credit Saintmay have similar results, but it doesnt state them anywhere on its website, so its hard to know if their service yields similar results. You 're interested in credit repair plans to meet the needs of various clients competitors... Letter and pay-for-delete letter template may sound, this is a Law firm founded in 2004, on! 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Score and how they differentiate a positive sign this shouldnt be considered a drawback since company! To consider as you can also cancel the service at any time incurring... New round of credit report Watch Alerts can monitor account progress from the of! And it 's nice to have support when times are rough people take charge of their service some articles. Credit Saint if youre looking for the removal of your phone in your score depends on your circumstances.
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