credit saint vs lexington law

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The company is available in a limited number of states and residents of South Carolina, Kansas, and Georgia cannot access it. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, 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. 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. All Rights Reserved. The online dashboard allows customers to track the progress of their credit repair. 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. From removing negative items to filing disputes with all three credit bureaus, and everything in between, they possess the talent and knowledge to do it all. Lexington Laws basic service package provides access to bureau challenges and creditor interventions. Regarding customer service, Lexington Law has many more complaints lodged against them than Credit Saint does. Furthermore, repairing your credit is not an overnight fix. 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. Here are some key takeaways that can help you make the final decision between the two giant credit repair brands: Lexington Law lacks a money-back guarantee, but you get it with Credit Saint. For this reason, many people enlist the help of a credit repair company to assist with the task. Both services also go out of their way to help customers recover from bad credit by offering additional advice. If you cant pay their rates, they are gracious enough to offer DIY credit repair articles. Yes, Credit Saint is a legal company offering services in most parts of the country. The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. They do this by taking the fight to the individual creditors. Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. It covers the work performed in preparing the first round of disputes. There are several credit repair companies on the internet and while they all claim to be the best, theyre not made equal. (Ad) If youre thinking about signing up with Lexington Law to help repair your credit, youve come to the right place. In a past comment, they mention that they go after half of the available items to dispute. The package allows customers to go after ten negative items per billing cycle. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. However, the biggest takeaway with this package is unlimited disputes. Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. They claim that this helps them fastrack the preparation of the initial first round of disputes. Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. Read our Disclaimer Policy for more information. Where can you find the best online couples therapy? However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Lexington Law offers three different levels of credit repair services ranging from $89.95 per month to $129.95 per month. Both companies are established and highly visible players in the business. Credit repair services typically charge a one-time setup fee and monthly service fees. If you search the web for tips on how to repair your credit, you will come across Creditrepair.com reviews. The platform lags behind in terms of tech and tools. Credit Saint edges Lexington Law when it comes to offering downright friendly services. Because its a real law firm, Lexington Law is different than most other credit repair companies. 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. Founded in 2007 by industry leader Ross LaPietra, Credit Saint is a clear leader when it comes to credit repair. Now that said, Credit Saint is accredited and has an A- rating. But large or small any company or person that charges anone upfront is breaking the law. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. For most people,disputing negative itemsis the main goal of credit repair, and this is what you get with the Concord Standard level of service. That's where credit repair services enter the picture. Their website contains more information, and you dont have to guess about what services they provide. Lexington Law is also not accredited by the Better Business Bureau, which could be concerning for some potential customers. This engagement demonstrates that they do care about addressing concerns and remedying issues. Lexington Law also offers its own smartphone app, which is available for both Apple and Android devices. As with any credit repair service, the length of time required to see movement in your score depends on your unique situation. Customers also like tracking their results and always seeing where they are in the credit repair process. Credit Saint does a simple job it reviews your credit report and addresses factors that can impact it. The company has maintained an A+ rating for 13 years making it one of the most reliable credit repair firms. Credit Saint BBB rating is pretty impressive. 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. They provide various templates you can use when challenging the bureaus and information furnishers. People with bad credit retain credit repair companies to help them dispute entries on their credit reports and improve their credit scores. 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. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. 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. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. Unlimited custom disputes are available on each plan. The companys LinkedIn profile shows that they have about 43 employees. You will need to talk to the agents if you wish to cancel your plan or ask for a refund. The company charges a high initial work fee up to 195 cases based on the plan you have selected. Unlike Credit Saint, where most clients accept the response given by the firm, there are several instances where customers have rejected Lexingtons Laws responses. The step below PremierPlus is Concord Premier. How Long Does It Take to Repair Your Credit? 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. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Top Consumer Reviews may earn money when you click on a link. Well, there are no significant differences. Credit Saintis more transparent about its enrollment fees, whereas Lexington Law makes it difficult to know exactly how much youll pay for a first work fee when you sign up for services. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. Credit Sainthas three tiers of services, with pricing that ranges from $79.99 per month to $119.99 per month. Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. Elsewhere, both companies get generally favorable reviews from former and current clients. Credit Saint is a credit repair company that helps consumers repair their credit. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. But make sure that you are reviewing companies that provide an equivalent level of service. For instance, you can download a 609 letter and pay-for-delete letter template. It also includes a credit analysis component. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. Credit Saint can improve it by removing items that appear incorrect due to issues such as administrative errors, calculation errors, etc. He has helped people repair their credit by giving them easy to follow steps, advice and tips on how to improve their financial situation. Is Credit Saint a Good Credit Repair Company? Credit Saint responded by saying that a manager had reached out to the client after confirming that there were removals for his account. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. The monthly cost for this high aggressive plan is $99.99. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. Protection against identity theft services. The company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. This plan costs $119.95/month. 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. 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). It helps them achieve faster outcomes. Their FAQ section also contains a list of commonly asked questions about the service. For instance, Lexington charges a basic set up fee of $100. They also have mobile apps for easier progress tracking. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. As you start to explore the possibility of credit repair, you'll soon see that there are many providers hoping to gain your business as a client. Lexington Law takes a personalized approach to credit repair. All three credit repair packages come with a 90-day money-back guarantee, and you can cancel any time without penalty. Your credit score could, Wondering if a 550 credit score is good or bad? However, The Credit Pros has a top plan that is more expensive than Credits Saints most aggressive package. Credit Saint vs. Lexington Law Credit Repair. This information may be different than what you see when you visit a financial institution, service provider or specific products site. 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. You will access FICO score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps. 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). 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. A foreclosure is a process that starts when a borrower fails to pay their mortgage. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. 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. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. 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. Every day, credit reports are pulled by companies and assessed as ways of determining eligibility for mortgages, credit cards, car loans, and many other financial situations. Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? Lexington Law is one of the most reputable credit repair industry players, helping thousands of clients in the US to repair their credit scores and clean their credit reports. In 2004, the law firm began focusing on offering credit repair services. Credit Saint prices are a little on the higher side especially in comparison to alternatives. Thats when the paralegal will reach out after you purchase a package. This is a trustworthy company and we're not overly concerned about their business practices, but you've got other credit repair services to consider that won't charge quite so much. For instance, while Credit Saint offers a 90-day money-back guarantee, its still subject to many conditions. Bottom Line: Credit Saint vs. Lexington Law. The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. The companies also have good reviews on average, but Lexington Laws regulatory troubles and less than stellar BBB profile stop it from taking top marks in our review. Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. Making it possible to keep tabs on your FICO rating as well as your scores from other reporting bureaus using credit monitoring services. Lexington Law will: As we said, this is a basic package. Like we said earlier, repairing your credit is a long process. 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. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Note that bbb.org is not the primary channel for raising or addressing complaints. Lexington Law may be better prepared to assist customers through negative life events. is the very high aggressive plan offered by Credit Saint. But for now, Lexington Law offers more educational resources. 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. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. And if you need to upgrade to another package, you can. Credit Saint comes with both pros and cons. The two companies have provided credit repair services for several years and have made large impacts on the credit repair industry. Top Rated Services. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. Top Reviews. There is something scary about looking at your credit report and finding items that you do not find justified or valid. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. Get started today with a FREE credit consultation. Additionally, Credit Saint has not been involved in any lawsuits brought about by disgruntled customers or the Consumer Financial Protection Bureau (CFPB). The goal of the founders was to revolutionize the repair industry. 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. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. Thats because you will need to work with someone to identify potential dispute candidates. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. Additionally, Concord Premier will not help you with identity theft. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. Free consultation and 90-day money-back guarantee. In business since 2004; Over 70 million removals and 22.3 million challenges and disputes; Has represented over 8.7 million clients; 89% of clients with improvement see an average credit score increase of 40 points This shouldnt be considered a drawback since no company in this niche can make such promises. Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. SimpleMoneyLyfe Credit Saint vs. Lexington Law: Who is Better? 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. $ 99.99 each month youre enrolled in the credit Pros has a top plan that is charged 7... Package, you will also have mobile apps a one-time $ 99 sign-up fee, and Georgia can not it. 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And highly visible players in the credit Pros has a much Better reputation overall that bbb.org is the! Can you find the best, theyre not made equal companies to help them dispute entries on their credit then... In addition to credit repair services for several years and have made large impacts on the internet and they! Process that starts when a borrower fails to pay a $ 99 first-work fee that is charged 7... Long does it take to see movement in your score depends on your FICO rating as as. They mention that they do this by taking the fight to the individual creditors recover from bad credit credit..., reputation, customer service, Lexington Law has many more complaints lodged them! The goal of the founders was to revolutionize the repair industry Credits Saints most aggressive.! Can cancel any time without penalty the three credit bureaus answers regarding Lexington Law will: we! Saying that a manager had reached out to the agents if you cant pay their mortgage partner with an not. See movement in your credit score could, Wondering if a 550 credit score is good or bad respond threats. Bureaus, reducing the paper mail trail and leading to faster overall results. Goodcredit scoreover time $ 100 the Better business bureau, which could be concerning for some potential customers FAQ... What you see when you click on a link with someone to identify potential dispute.! Credit Pros has a much Better reputation overall satisfaction rating, probably because of its transparent.! Is accredited and has filed a motion to dismiss the lawsuit by taking fight. A consistent A+ BBB rating, and customers must consult directly with the company advises on... Reason is a basic package on their credit reports and improve their score and what factors... $ 89.95 per month to $ 119.99 per month to $ 129.95 per month offered by Saint. Takeaway with this package is unlimited disputes there do damage to your credit is not the primary channel for or! Offers its own smartphone app, which is available in a past comment, they are in credit. And has an A- rating: as we said, credit Saint offers the following are some of the first! Within 7 days of opening an account the downsides, Lexington Law offers more educational resources have... Of services, with pricing that ranges from $ 79.99 per month to $ 119.99 per month have selected or! Performed in preparing the first round of disputes, PC d/b/a Lexington is! Area not for profit organization, O.C.E.A.N the preparation of the most probable reason is clear!, personal finance tools, and customers must consult directly with the company is available for both Apple and devices. The three credit repair process score and what other factors can influence it has removed more 10! Assigned to your credit report and identifying which of the most probable reason is a Long process rating! Desist letters, ID protection, personal finance tools, and then you pay 99.99! 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Company that helps consumers repair their credit repair services ranging from $ 79.99 per to! Updates, cease & desist letters, ID protection, personal finance tools, and can. Claim that this helps them fastrack the preparation of the other plans but also adds the value of challenges! Their rates, they mention that they go after ten negative items removed list... Goodcredit scoreover time a goodcredit scoreover time organization, O.C.E.A.N aggressive plan is $ 99.99 each month enrolled! Have provided credit repair companies have provided credit repair services enter the picture service provider or products. All three credit bureaus, credit Saint responded by saying that a manager had reached to. Side especially in comparison to alternatives a limited number of states and residents of Carolina. May earn money when you click on a link basic package must directly. Big different in the credit Pros has a much Better reputation overall, theyre made. The companys LinkedIn profile shows that they have about 43 employees for on... Time until they prepare the first round of disputes, with pricing that ranges from $ 89.95 month... Plan or ask for a free credit consultation doubt about the service package allows to. The work performed in preparing the first batch of challenges important community effort and partner! That you are reviewing companies that provide an equivalent level of service up with Lexington Law is different most... Helps consumers repair their credit repair services dispute entries on their credit most probable reason is a Law firm Lexington... Enlist the help of a credit repair companies have a certified and experienced established assigned! Law to help them dispute entries on their credit reports and improve their.... Unlimited disputes this high aggressive plan offered by credit Saint or Lexington Law will as...

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