Well, there are no significant differences. How have the two services performed when it comes to the level of customer care? On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. Credit Saint complaints and positive reviews. 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. 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. While it is pretty reliable and popular, it doesnt have a very good BBB rating, unlike Credit Saint. Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. Credit Saint customers know that they can get their money back if there have been no removals in 90 days. However, with so many companies on the market, it can be hard to decide which direction to take. On their website, they claim most customers stay with them for 6 months. This can offer a great deal of peace of mind when youre worried about getting yourcredit score back on track. There is an initial work fee, but no information on the website about how much that fee costs. #1 CreditRepair.com. Customers can expect a personalized dashboard to track progress, three credit repair packages to choose from, and a complimentary credit consultation from a credit professional. This package is more hands-on and gives the customer more control over the entire credit repair process. Your credit score could, Wondering if a 550 credit score is good or bad? In a crowded market, it is hard for consumers to choose a credit repair company. In 2004, the law firm began focusing on offering credit repair services. Credit Saint is better if you are looking to partner with a credit repair company. **The trust value is based on our independent research. You will need to talk to the agents if you wish to cancel your plan or ask for a refund. The company has maintained an A+ rating for 13 years making it one of the most reliable credit repair firms. The Credit Pros Review: Best Credit Repair Company? Lexington Law also offers its own smartphone app, which is available for both Apple and Android devices. Takeaways for Choosing Between Lexington Law and Credit Saint. view details Credit service companies cannot promise a result or credit score increase. 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. The erasing of outdated inquiries from your credit report. It also includes a credit analysis component. Both Credit Saint and Lexington Law will require your full commitment. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. While neither Credit Saint nor Lexington Law provides cookie-cutter answers to this question, our research indicates that Credit Saint is more aggressive at filing disputes and intervening with creditors. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. For instance, while Credit Saint offers a 90-day money-back guarantee, its still subject to many conditions. 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! Lexington Law vs. Credit Saint: Which One is Faster? 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. These two companies have many similarities but also some differences that may be important when deciding between the two services. In a crowded market, it is hard for consumers to choose a credit repair company. Choose which one will help you the most. 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. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. With Credit Saint, the initial free review includes a professional analysis of your credit reports. If you only need one or two negative items from your credit report, then this plan is a great place to start. Lexington Law vs Credit Saint: Whos Better? A foreclosure is a process that starts when a borrower fails to pay their mortgage. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. Are you looking to move somewhere new? When comparing Lexington Law vs. Credit Saint, its also vital to compare the educational resources. They serve the same function as Credit Saint, which is challenging and disputing items that reflect negatively on your credit report. The last thing you want to do is incur more debt. Lexington Law provides better tools, and we particularly like their focus tracks. Some customers might like the benefit of having these types of legal experts on their side. This team of legal professionals is known for solving the most complex credit problems. Monthly pricing is more expensive than Credit Saint. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee The two companies have provided credit repair services for several years and have made large impacts on the credit repair industry. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. When going over Credit Saints services, one thing that stands out is that they dont make such promises. Lexington Laws basic service package provides access to bureau challenges and creditor interventions. 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. Disclaimer: We offer completely free content to our users. Credit Saint and Lexington Law are both popular and well-known credit repair companies that have helped millions of clients repair their credit. You will need to pay an initial setup fee of $99. While it doesnt always work, there is still a chance of success. 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. There is a one-time $195 sign-up fee, and then youll pay $119.99 every month youre enrolled. Each credit repair firm offers a dedicated customer service line for clients that can help answer any questions you may have. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. Unlike Credit Saint, where most clients accept the response given by the firm, there are several instances where customers have rejected Lexingtons Laws responses. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. Credit Saintreceives high praise on average from its former and current customers. They only facilitate the process but they dont control what gets removed. With Clean Slate, you get unlimited challenges to all three credit bureaus, inquiry targeting, score analysis, creditor interventions, score tracker, Experian monitoring, and cease & desist letters. The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. The companys LinkedIn profile shows that they have about 43 employees. Well, both services scored 3 of 6 in our focus performance areas: All things considered, both platforms have major benefits and some drawbacks. So which one offers the best credit repair services? Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. Do you want to know how to get a 700 credit score in 90 days? 89% of Lexington Law customers that have experienced improvement with the service have increased their credit score by at least 40 points. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. Regardless if a company is compensating us or not, we only accept these opportunities when the post, will be helpful or valuable to our readers and is something that fits within the context of this blog. Offering the first-ever 90-day money-back guarantee in the credit repair industry, Credit Saint is relentlessly consumer-centric. Overall, Credit Saint is the cheaper option. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. Call us today to take advantage of our no-obligation offer. Other providers actually specify a minimum credit score improvement. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. How Long Does It Take to Repair Your Credit? All plans come with a reliable 90-day money-back guarantee. We're confident that this information will give you everything you need to choose the right partner in your journey towards a fantastic credit report! You will pay about $109.85 per month. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. So far, over 1,000 people have left comments and they maintain a 4.4/5 rating. It has one of the best guarantees in the industry, which can be a great reason to give it a try. Top Products. They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. You can also cancel the service at any time without incurring any penalties or fees. And let me be crystal clear, this package is loaded with features not included in the other two offerings. The majority of customers are happy with the service. Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. 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 Consumer Reviews may earn money when you click on a link. Customers expect to see immediate results. Regular membership goes for $119.99. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Lexington Law vs. Credit Saint: Customer Service. By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. 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. 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. So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. 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