Where can you find the best online couples therapy? So, all-in-all, this package is not that different from their Clean Slate offering. Over 850,000 clients in the last 10 years. They will help you dispute errors on your credit report,remove late payments, and more. They'll help you remove negative items while teaching you how to optimize your financial choices to boost your credit score. When choosing a credit repair company to work with, there are a few things you need to consider. 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. The two businesses provide similar services. Credit Saint offers a 90-day money-back guarantee, while The Credit Pros doesnt make any refund promises. These are things to consider as you begin to repair your credit. Bottom Line: Credit Saint vs. Lexington Law. On their BBB.org page, the company responds to complaints within five business days at most. You can follow them on their social media pages for updates when they publish new guides. You will pay about $109.85 per month. Lexington Law vs. Credit Saint: Customer Service. 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. You've heard of couples therapy, but what is it and whom is it for? Choose which one will help you the most. They further stated that their 90-day refund policy applies to customers who have not seen any removals. 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 is pretty reliable and popular, it doesnt have a very good BBB rating, unlike Credit Saint. Credit repair involves identifying issues with your credit report, Our Ovation Credit review 2022 reaffirms the companys commitment to personalized credit repair. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. 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. Credit Saint has a better basic package as it includes the score tracker and score analysis. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. Both Credit Saint and Lexington Law will require your full commitment. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. So, compared to Credit Saint, its a cheaper option. There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. In addition, the company offers a full 90-day money-back guarantee. Lets get started: Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. Select any 2 Credit Repair Companies to compare them head to head, Atlantic City, NJ Mayor Leading Free Resident Credit Repair Effort. Which paid survey companies are the best? **The trust value is based on our independent research. However, it doesnt come with a guarantee. 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 the Google Play store alone, Lexington Law has an average 4.5-star rating out of more than 18,000 reviews. So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. For instance, TransUnion says that they conclude most disputes within two weeks. Together, they have helped thousands of consumers repair their credit and clean up their credit report. The team even sent his day one and final-day credit report showing the positive changes after their repair process. It was the same year that John C. Heath became the directing attorney. The company utilizes automated systems to boost its workflow efficiency and strives to offer the best value. Customers can expect a robust experience when working with Lexington Law. 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. This team of legal professionals is known for solving the most complex credit problems. Credit Saint has made strides in addressing its content gap this year. Credit Saint responded by saying that a manager had reached out to the client after confirming that there were removals for his account. There is an initial work fee, but no information on the website about how much that fee costs. Rejected bankruptcies and defunct collection accounts. When going over Credit Saints services, one thing that stands out is that they dont make such promises. 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. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. Lexington Law vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. The service has accumulated about 47 complaints on its BBB.org page in the last three years. 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. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. Unfortunately, not everyone understands what goes into a positive credit history. Then you'll be billed $80 per month (or more), with la carte pressing options available for extra features or services. 2019 - 2023 SimpleMoneyLyfe LLC. 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). Customers are always encouraged to reach out to the company directly. 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. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. The only claim to dispute nonfactual information in the credit report. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. Stay up to date with the latest reviews. 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 Credit Saint vs. Lexington Law: 2022 side-by-side comparison. Credit Saint can improve it by removing items that appear incorrect due to issues such as administrative errors, calculation errors, etc. This implies they will send out a new round of credit report disputes every 45-days. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. 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. Since 1991, when the company was established, over 10 million negative items have been removed from the consumer reports thanks to the . Credit Saint edges Lexington Law when it comes to offering downright friendly services. Based out of New Jersey, Credit Saint has been in business for over 15 years and has a BBB rating of A. This strong rating means they are a reliable and trustworthy company. Our reviewers evaluate products and services based on unbiased research. Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. Credit bureaus have innovated online disputes. Each credit repair firm offers a dedicated customer service line for clients that can help answer any questions you may have. Read our Disclaimer Policy for more information. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt. Takeaways for Choosing Between Lexington Law and Credit Saint. These two companies have many similarities but also some differences that may be important when deciding between the two services. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. The setup fee is only $129.95, meaning that you may spend $66 less during your first month with Lexington Law. Disclaimer: We offer completely free content to our users. Contact us today to learn more and find out about our additional services. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. Is Credit Saint or Lexington Law Cheaper? 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. 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. Lexington Law offers more value by including cease-and-desist letters and identity protection in their advanced package. With Credit Saint, the initial free review includes a professional analysis of your credit reports. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. (2023). Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. Most clients see a 40-point increase in their credit score in six months. If you choose this one, you will also have to pay the first-work fee of $195. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. In 2004, the law firm began focusing on offering credit repair services. Making it possible to keep tabs on your FICO rating as well as your scores from other reporting bureaus using credit monitoring services. Customers must receive a free credit consultation with Lexington Law to receive complete pricing. Most Credit Saint credit repair reviews agree that the company can help you solve this issue as it offers identity theft protection with repair services. At this level,Credit Saintoffers unlimited disputes each dispute cycle, plus all the features included in the Credit Polish and Credit Remodel packages. Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. Credit Takeoff strives to keep our information accurate and up to date. Now, this does not mean that they will allow you to challenge all negative entries at once. Credit Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. Is Credit Saint a Good Credit Repair Company? 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! Now that said, Credit Saint is accredited and has an A- rating. They do this by taking the fight to the individual creditors. For instance, you can check reviews on Credit Saint on Google Reviews. Their latest feedback as of July 8, 2021, is a 4-star rating. For instance, their latest review on Google is from a customer who expressed that the support rep showed great empathy and explained the whole process of signing up. Overall, online reviewers have positive things to say aboutCredit Saint. Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. Where can you find the best Moving Company? Pena vs. Lexington Law Firm was . Note that bbb.org is not the primary channel for raising or addressing complaints. Monthly fees from $69.95 to $119.95, plus first-work fee equal to one month's payment. Lexington Law is not accredited by the Better Business Bureau. Their website contains more information, and you dont have to guess about what services they provide. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. In a past comment, they mention that they go after half of the available items to dispute. They will go over specific details of your credit history and offer additional techniques for improving your scores. Additionally, you will get a personalized dashboard to track progress, creditor interventions, score analysis, and score tracker. Plus, it is BBB accredited with very few complaints under the belt. Credit Saint bills this package as the most aggressive. Lexington Law vs Credit Saint: Whos Better? 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 vs. Lexington Law: Which One is Better? As mentioned earlier, there are many companies offering similar services. Credit saint vs. Lexington law Which one is the best? Which foreclosure listing website is the best? Be sure to check out the reputation of any credit repair service you're considering: customer feedback, number of years in business, and the service's BBB rating are all helpful indicators of a provider's trustworthiness. In our recommendation, Credit Saint outperforms Lexington Law overall. Now, this is not a high-stakes choice. Sometimes. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. 8.2 million removals and 26+ million challenges and disputes since 2012. In that time, you will have roughly paid the same fees if you selected either service. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. Credit repair is just like it sounds: a process by which your credit history and score are improved. Credit Saint also offers their customers a 90-day money-back guarantee, which indicates that they care about customer satisfaction, stand behind their product, and strive to obtain actual customer results. In 2004, the law firm began focusing on offering credit repair services. Credit Saint does not have transparent statistics published to demonstrate how many customers they have helped over the years and the number of disputes and challenges they have resolved. They are trailblazers, innovators, and above all, credit experts. It is quick and easy, but dont expect tailored insight or advanced credit repair options. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. Unfortunately, Credit Saint does not have a robust blog on its website; however, that is changing according to our research. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. They provide various templates you can use when challenging the bureaus and information furnishers. This shouldnt be considered a drawback since no company in this niche can make such promises. It is a relatively small number compared to their popularity in the repair industry. Most services state that you'll see negative items removed from your credit history within the first 90 days. In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. Who wins the Credit saint vs. Lexington law pricing war? Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. Since that time, they've opened offices in 17 states and become licensed in most of the rest. Get started today with a FREE credit consultation. This plan is designed to help those who want to improve their credit score before they apply for a loanor a new credit card. The prices for Lexington Laws services are about $20 higher per tier per month than for 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. Credit Saint works in 45-day cycles. 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. And if you need to upgrade to another package, you can. 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