The only claim to dispute nonfactual information in the credit report. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. Credit Saint and Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. Lexington Law, on the other hand, charges $129.95 with a work fee of $129. One of the best ways to compare Lexington Law and Sky Blue is to look at their pricing and packages. 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. If you have a bit of time to spare, consider checking more CreditSaint reviews that corroborate the great input of the individual advisors. Regarding customer service, Lexington Law has many more complaints lodged against them than Credit Saint does. $600 child tax credit is central to Healeys new tax relief package. I love, helping people become smarter about their credit and finances. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. This makes it easy to monitor your account and the credit repair process on the go. This engagement demonstrates that they do care about addressing concerns and remedying issues. Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. Their four-step process entails: Step 1: Helping clients obtain copies of their credit reports and analyzing them for inaccurate entries to dispute. Fret not, Credit Saint is known for fighting tooth and nail with your debt collectors and all three credit bureaus. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. It allows for unlimited disputes during each billing cycle. Call us today to take advantage of our no-obligation offer. Credit Saintand Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. If you're behind on your tax payments or have past years where you didn't even file a return, you probably feel the pressure mounting. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. In addition, the company offers a full 90-day money-back guarantee. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. Protection against identity theft services. The wrong loan and credit card balances listed. Lexington Law and The Credit People are both top-ranked companies that are well known for providing quality credit repair services. 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. Offering the first-ever 90-day money-back guarantee in the credit repair industry, Credit Saint is relentlessly consumer-centric. We'd love to have you join our community! On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. That's where credit repair services enter the picture. They have a polished team of professionals that understands the business well. How Rapid Rescoring Can Quickly Raise Your Credit Score, Credit Remodel At $99.99 per month, the Credit Remodel package isCredit Saints mid-tier service level. The step below PremierPlus is Concord Premier. If you have challenging credit history, it makes all of these things more complex and frustrating. SimpleMoneyLyfe is an independent, advertising-supported publisher and may receive compensation for some links to products and services throughout this website. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. On Lexington Laws website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance. Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. Credit Saint operates on a 45-day dispute cycle. They are not accredited and have a C rating. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. Stay up to date with the latest reviews. If you do choose to use a credit repair company, Lexington Law and Credit Saint will be among your top options. You will pay about $109.85 per month. Yes, Credit Saint is a legal company offering services in most parts of the country. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. Who can you trust when looking for the best payday loans? 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). Let's [] As with any credit repair service, the length of time required to see movement in your score depends on your unique situation. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. The firm offers 3 credit repair plans to suit different needs, along with a 90-day money back guarantee. Fortunately, there are ways to remove incorrect items. Making it possible to keep tabs on your FICO rating as well as your scores from other reporting bureaus using credit monitoring services. Who Is a Better Credit Repair Company, Credit Saint or Lexington Law? 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? 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. Credit Saint has a $99 setup fee for their lower packages and a $195 setup fee for their Clean Slate package, but their monthly costs are less than Lexington Laws. Most of the actions taken on your behalf by a credit repair service can be done on your own. The online dashboard allows customers to track the progress of their credit repair. (2023), Lexington Law vs. Credit Saint: Credit Repair Packages and Price, Credit Saint vs. Lexington Law: Educational Resources. Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. If youre shopping around for credit repair services, its something to consider as you compare companies. While it doesnt always work, there is still a chance of success. Sky Blue is one of the oldest repair companies. A lot of companies in 2022 promise to Disclaimer: We provide free content for our users. A careful review of hundreds of past user reviews reveals the dedication and selfless services offered by Credit Saints representatives. How Long Does the Process Take? 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). Credit Saint bills you for their credit repair services monthly and allows you to cancel any time, so you only commit for however long you need to repair your credit. Contact us today to learn more and find out about our additional services. But there are two questions you need to ask yourself. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee Lexington Law is a law firm founded in Utah in 2004, focusing on assisting clients with credit-related issues. However, with so many companies on the market, it can be hard to decide which direction to take. The PremierPlus package is Lexington Laws most advanced credit repair plan. Which blood pressure supplement is the best? This service which analyzes the positives, includes coaching you on ways to pay your bills and open/close credit cards to maximize your credit score. is the very high aggressive plan offered by Credit Saint. This means they will send out a new round of credit report disputes every 45-days. The companys LinkedIn profile shows that they have about 43 employees. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. 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 agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. 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. Additionally, you will get a personalized dashboard to track progress, creditor interventions, score analysis, and score tracker. Credit Takeoff is reader-supported. 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. 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. The company offers excellent customer support and the agents are very friendly. Other providers actually specify a minimum credit score improvement. Learn more about how we make money. Like we said earlier, repairing your credit is a long process. 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. However, we must mention that it does not make any promises to boost your score or help you reach a certain number. A good credit repair company will not only help you remove negative items from your credit report from late payments to identity theft, but they will also help you understand your credit score and guide you on how to boost your score and keep it on track long-term. Read more. Again, these are things you need to consider. Lexington Law vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. Are you looking to move somewhere new? Credit Saints cost is justified by its amazing features, including the reliable money-back guarantee. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. During the session with a rep, ask all pressing questions about repairing bad credit and errors. Creditrepair.com maintains an advantage when it comes to tools and technology. A few credit repair services guarantee that you'll see those deletions within the first three months, and you'll get a refund of any fees paid if that doesn't happen. Dispute Avalanche designed to make things faster. For instance, you can download a 609 letter and pay-for-delete letter template. When you create an account with Lexington Law, you work directly with credit repair specialists, lawyers, and paralegals for the dispute process. The Clean Slate package is Credit Saints most aggressive credit repair plan. Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. 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. Rejected bankruptcies and defunct collection accounts. Most credit repair services offer a free consultation, to determine if you're eligible for their help and which approach to take in your specific case. Credit Saint and Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. All Rights Reserved. However, their number of years in business, excellent BBB rating, and good customer reviews suggest that they are effective in credit repair and one of the best companies in the business. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. This is one of the biggest misconceptions with the credit repair industry. Credit Saintalso offers a no-strings 90-day money-back guarantee. Using the incorrect name, address, or Social Security number. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. Compared side by side, bothCredit Saintand Lexington Law have comparable pricing, service levels, and speeds of service. Additionally, Credit Saint has not been involved in any lawsuits brought about by disgruntled customers or the Consumer Financial Protection Bureau (CFPB). Credit Saintgets to work right away on your account, so its possible to see positive results within a month or so depending on your situation and the number of negative items on your credit report. These errors can impact your score and lead to issues in the future. We'll keep you informed, and we'll never sell your information to anyone. Unfortunately, not everyone understands what goes into a positive credit history. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. For instance, you can check reviews on Credit Saint on Google Reviews. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. Credit Saint is accredited and highly rated with an A by the BBB, whereas Lexington Law has a C rating with the BBB and is not accredited. The last thing you want to do is incur more debt. Both companies are careful to note that its hard to know how long it will take to see results with their services, and Lexington Law correctly states that its illegal for any credit repair company to guarantee results. Lexington Law has a YouTube page where they regularly publish client testimonials and short videos on various credit repair topics. Lexington Law also has digital partnerships with the major dispute bureaus, reducing the paper mail trail and leading to faster overall customer results. No clear statistics about how many challenges and deletions theyve successfully entered through the years to improve or repair peoples credit. Which one is the best for you? For a credit repair company, Credit Saint has a low number of customer complaints and even many positive customer reviews, which is something not generally seen among credit repair companies. Customers typically mention the names of paralegals who intervened in their cases. 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. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. It all comes down to reputation. Their cornerstones include determination, revolutionary, integrity, vision, and excellence. Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. However, those who are willing to wait are usually the ones who see remarkable results. For instance, they are now offering help to people whose scores may have been affected by the COVID-19 pandemic by helping them leverage reliefs provided by lenders under the CARES act. 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. A live agent will also contact you to talk about the details of your credit history. A foreclosure is a process that starts when a borrower fails to pay their mortgage. 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. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. But for now, Lexington Law offers more educational resources. 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