People with bad credit retain credit repair companies to help them dispute entries on their credit reports and improve their credit scores. Each text is published after its detailed proofreading. 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. It includes all of the services of the other plans but also adds the value of unlimited challenges to the three credit bureaus. 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. They consistently offer consumers the best results and services. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. 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. A live agent will also contact you to talk about the details of your credit history. After examining the pricing packages of both providers, you will not necessarily save a lot of money by choosing between the top packages offered by the two services. They will help you dispute errors on your credit report,remove late payments, and more. Concord Premier At $109.95 per month, the Concord Premier is the middle-of-the-road service level, which gets you everything in the Concord Standard plan plus TransUnion score alerts and a monthly credit score analysis. Unfortunately, Credit Saint does not have a robust blog on its website; however, that is changing according to our research. The website is not very transparent about the number of challenges included in each plan, and customers need to dig or consult to receive that information. On the positive side, you will get 100% of your money refunded if the company fails to remove any item within 90 days of signing up given that youve made full payment and you meet every other requirement given on the official website. . Who wins the Credit saint vs. Lexington law pricing war? SimpleMoneyLyfe Credit Saint vs. Lexington Law: Who is Better? Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. 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. Credit repair is just like it sounds: a process by which your credit history and score are improved. 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. 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. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. With this package, they will dispute up to 5 inaccurately reported items on your credit report. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. Lexington Law begins the process as soon as 48 hours. If you do choose to use a credit repair company, Lexington Law and Credit Saint will be among your top options. Who provides the best debt relief? However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Choose which one will help you the most. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. The two companies have provided credit repair services for several years and have made large impacts on the credit repair industry. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. 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. Overall, online reviewers have positive things to say aboutCredit Saint. 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. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Credit Saint is the oldest credit repair company in the industry. Credit Saint is a solid choice for credit repair. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. Consistently ranked as the top service on finance sites, Offers unlimited challenges per dispute cycle, Free non-obligatory credit repair consultation, Tailors services and disputes to each situation, 90-day refund policy means a worry-free service, Offers education on other ways to optimize scores, Intuitive dashboard for tracking challenges, Responds to complaints with care and attention. Top Rated Services. Furthermore, repairing your credit is not an overnight fix. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. However, in our opinion, the best bang for your buck is Credit Saint. While both companies are BBB accredited, Credit Pros has a current rating of B+. In this second featured feedback, the client said that she received help from a phenomenal agent who was kind, patient, and understanding. She said she was planning to choose another provider but selected Credit Saint credit restoration services because of how the agent handled her questions and concerns. This plan costs customers $139.95/month. Credit Saintand Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. 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. The results are processed in order to detect spammy and fake feedback. 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. What Happens if You Miss a Credit Card Payment? They are trailblazers, innovators, and above all, credit experts. Is Credit Saint or Lexington Law Cheaper? They bring years of experience to the table and a team of credit repair analysts who are industry veterans. There is something scary about looking at your credit report and finding items that you do not find justified or valid. The law firm will provide your TransUnion credit report summary and Transunion FICO score. Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. Pena vs. Lexington Law Firm was . Which paid survey companies are the best? Learn more about our process. Now, this is not a high-stakes choice. While Credit Saint's most basic package option starts at $79.99 per month, Lexington Law's lowest service level starts at $89.85 per month. Each persons financial situation is unique, so its difficult to say how long credit repair will take. 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. Both Credit Saint and Lexington Law will require your full commitment. The goal of the founders was to revolutionize the repair industry. However, we must mention that it does not make any promises to boost your score or help you reach a certain number. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. But are its programs worth a try? An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. 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. 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. Top Products. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. 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. includes everything in the Credit Polish plan but adds the additional value of inquiry targeting and up to 10 challenges to the three credit bureaus every dispute cycle. During the session with a rep, ask all pressing questions about repairing bad credit and errors. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. So, shopping around for credit repair firms is highly advised. These things suggest the companys customer service pleases its customers. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. It was the same year that John C. Heath became the directing attorney. Lets get started: Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. 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. A lot of companies in 2022 promise to Disclaimer: We provide free content for our users. They are not accredited and have a C rating. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. Their FAQ section also contains a list of commonly asked questions about the service. And a credit repair company may come to the rescue. Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. Monthly fees from $69.95 to $119.95, plus first-work fee equal to one month's payment. I worked in the credit repair industry for about 10 years. While it doesnt always work, there is still a chance of success. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). 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. Credit Saint and Lexington Law will also help craft cease and desist letters that encourage creditors from continuing to report inaccurate information after it's been disputed. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. Compared side by side, bothCredit Saintand Lexington Law have comparable pricing, service levels, and speeds of service. The establishment is transparent about the lawyers it has on its team. However, Lexington Law appears to respond to each poor review and customer complaint on the BBB site, so this shows the company is aware of complaints and takes them seriously. Credit Polish is Credit Saints most basic credit repair package. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. Which one is the best for you? Each plan varies in offerings and is priced differently. The company offers excellent customer support and the agents are very friendly. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Lexington Law vs Credit Saint: Whos Better? With Credit Saint, the initial free review includes a professional analysis of your credit reports. You know your credit situation better than anyone else, so take this decision seriously. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. You also get disputes for bankruptcies and repossessions. They'll help you remove negative items while teaching you how to optimize your financial choices to boost your credit score. Their website contains more information, and you dont have to guess about what services they provide. 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