Thats because you will need to work with someone to identify potential dispute candidates. On the downside, it is not a 100% guarantee. When you sign up for aCredit Saintaccount, you also get access to a customer dashboard. They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. But if you are serious about repairing your credit, then you need to approach this situation with a long-term mindset. But are its programs worth a try? They will go over specific details of your credit history and offer additional techniques for improving your scores. In addition to offering a $600 child tax credit and expanded credits for renters and seniors, Gov. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. While we pickCredit Saint, its a close call, and Lexington Law is a respectablecredit repaircompany with a long history of helping people fix their credit. It leverages digital partnerships to facilitate electronic disputes and provides personal finance tools in its mobile app. Each text is published after its detailed proofreading. Credit saint vs. Lexington law Which one is the best? We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee Credit Saint offers the following three different credit repair plans to meet the needs of various clients. Top Products. 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. 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. How Long Does It Take to Repair Your Credit? Credit Saint customers know that they can get their money back if there have been no removals in 90 days. That said, Lexington Laws website states that 70 percent of their clients saw their credit scores increase an average of 40 points within six months of using the service. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. 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. In a crowded market, it is hard for consumers to choose a credit repair company. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. Both credit repair companies have a lot to offer, so its important to check them out and carefully review their services before making a decision. 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. The establishment is transparent about the lawyers it has on its team. The prices for Lexington Laws services are about $20 higher per tier per month than for Credit Saint. This is one of the biggest misconceptions with the credit repair industry. Follow us! Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. 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. 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. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. If you're facing an ever-increasing pile of "past due" notices, threatening letters from the IRS, and credit card statements where Where should you sign up as a mystery shopper? The monthly cost for this plan is $119.99 per month. It has one of the best guarantees in the industry, which can be a great reason to give it a try. 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. Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. I worked in the credit repair industry for about 10 years. But there are two questions you need to ask yourself. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports. 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. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. The erasing of outdated inquiries from your credit report. You can follow them on their social media pages for updates when they publish new guides. Note that bbb.org is not the primary channel for raising or addressing complaints. It was the same year that John C. Heath became the directing attorney. Which paid survey companies are the best? So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. Both Lexington Law and Credit Saint offer robust credit repair packages. You can get in touch with a credit repair company like Credit Saint and have them do the job for you. This may impact how, where, and in what order products appear. Credit Saint operates on a 45-day dispute cycle. Both Credit Saint and Lexington Law charge customers a fee each month for their services. A live agent will also contact you to talk about the details of your credit history. How to Dispute Medical Bills on Your Credit Report? It also includes a credit analysis component. An achievement that should not go unnoticed. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. Lexington Law is not accredited by the Better Business Bureau. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. In addition to this, there are several other issues that the company can take care of on your behalf. From here, you can get status updates, progress reports, and other information about your account and your credit. With this package, they will dispute up to 5 inaccurately reported items on your credit report. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. Credit Saintalso offers a no-strings 90-day money-back guarantee. Here is a few list of features included in this plan: As you can see, this package is loaded with helpful features. Overall, online reviewers have positive things to say aboutCredit Saint. Overall, Credit Saint is the cheaper option. Credit Saint bills this package as the most aggressive. This is Lexington Laws most basic offering. Which blood pressure supplement is the best? While both credit repair companies have good reputations and similar pricing,Credit Saintedges out Lexington Law in our review. Regular membership goes for $119.99. For this reason, many people enlist the help of a credit repair company to assist with the task. 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. Based on our analysis of both companies customer ratings, pricing, educational resources, and speed of service, we thinkCredit Saintcomes out on top. Choose which one will help you the most. 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. We were curious how these negative CreditSaint.com reviews were handled. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. Lexington Law offers more value by including cease-and-desist letters and identity protection in their advanced package. Overall, the process takes as long as needed to remove as many negative items from your report as possible. But make sure that you are reviewing companies that provide an equivalent level of service. Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint. We'll keep you informed, and we'll never sell your information to anyone. You can also cancel the service at any time without incurring any penalties or fees. Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer. If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. Not many people are fully aware of what credit repair firms do or why they need to hire one. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. Most of the actions taken on your behalf by a credit repair service can be done on your own. There are so many different ways to go. 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. Better Business Bureau accredited businesses, like Credit Saint, must adhere to high standards for ethical business practices. Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. 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. It helps them achieve faster outcomes. It is quick and easy, but dont expect tailored insight or advanced credit repair options. 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. Contact us today to learn more and find out about our additional services. Their FAQ section also contains a list of commonly asked questions about the service. 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. Is Credit Saint a Good Credit Repair Company? Disclaimer: This post contains references to products from one or more of our advertisers. And a credit repair company may come to the rescue. Monthly pricing is more expensive than Credit Saint. The plan only allows customers to challenge up to 5 negative entries for each billing cycle. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. Are you looking to move somewhere new? Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. If youve recently missed a credit card payment or youre about to miss an upcoming, A car repossession can cause lasting damage to your credit report. How Long Does the Process Take? Lexington Law takes a personalized approach to credit repair. There is something scary about looking at your credit report and finding items that you do not find justified or valid. 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. If you are serious about repairing your credit, it makes a good option that is relatively risk-free for the first three months. Lexington Law and The Credit People are both top-ranked companies that are well known for providing quality credit repair services. Money.com ranked it as the top credit repair company. 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! Credit Polish is Credit Saints most basic credit repair package. Most services state that you'll see negative items removed from your credit history within the first 90 days. 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. Seeing tangible results can motivate you to stay on track with maintaining good credit. Credit Saint vs. Lexington Law Credit Repair. The service has accumulated about 47 complaints on its BBB.org page in the last three years. The platform lags behind in terms of tech and tools. They must make a reasonable faith effort to resolve grievances raised by customers. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. 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. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. And let me be crystal clear, this package is loaded with features not included in the other two offerings. Is Credit Saint or Lexington Law Cheaper? The company is available in a limited number of states and residents of South Carolina, Kansas, and Georgia cannot access it. It is a well-known credit repair company in the industry that offers some great features. Credit repair involves identifying issues with your credit report, Our Ovation Credit review 2022 reaffirms the companys commitment to personalized credit repair. Their website contains more information, and you dont have to guess about what services they provide. Lets compare Credit Saint and some of its competitors to see which ones better. The company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. Which foreclosure listing website is the best? Now, this does not mean that they will allow you to challenge all negative entries at once. As previously stated, they are known to help consumers with severe credit problems. However, the biggest takeaway with this package is unlimited disputes. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. Plus, it is BBB accredited with very few complaints under the belt. One of the best ways to compare Lexington Law and Sky Blue is to look at their pricing and packages. 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. While it doesnt always work, there is still a chance of success. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. However, in our opinion, the best bang for your buck is Credit Saint. The goal of the founders was to revolutionize the repair industry. Credit Saint does a simple job it reviews your credit report and addresses factors that can impact it. However, The Credit Pros has a top plan that is more expensive than Credits Saints most aggressive package. That's a great question, because "payday loans" and "trustworthy" don't tend to be said in the same Where can you find the best personal loans? Sky blue charges up front. On the other hand, there are companies that don't deliver what they promise. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. Copyright 2021 creditfixed.com All Rights Reserved. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). 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. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. Read our Disclaimer Policy for more information. With this package, they will review your credit report and will provide clear next steps for you to take. He has helped people repair their credit by giving them easy to follow steps, advice and tips on how to improve their financial situation. Both Credit Saint and Lexington Law have ways for customers to reach them by phone or email and actively respond to their customers to provide service. Together, they have helped thousands of consumers repair their credit and clean up their credit report. All of us feel a little overwhelmed sometimes, and it's nice to have support when times are rough. Credit Saint also begins its repair process within 48 hours. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. The online account page also allows clients to submit any feedback forwarded by the bureaus. The company is an excellent option if youre serious about fixing your credit. In this highlighted review, the client complained about not seeing any removal but getting charged for the service. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. 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. 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. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. The package allows customers to go after ten negative items per billing cycle. Who wins the Credit saint vs. Lexington law pricing war? 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