Their four-step process entails: Step 1: Helping clients obtain copies of their credit reports and analyzing them for inaccurate entries to dispute. The firm began focusing on credit repair in 2004, although the law firm was formed several years before that, making Lexington Law one of the oldest credit repair companies in the business. For instance, you can download a 609 letter and pay-for-delete letter template. Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. If you have challenging credit history, it makes all of these things more complex and frustrating. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. Be sure to check out the reputation of any credit repair service you're considering: customer feedback, number of years in business, and the service's BBB rating are all helpful indicators of a provider's trustworthiness. Rosales vs. Lexington Law Firm was filed in Nebraska in 2017 and claimed violations of the Telephone Consumer Protection Act (TCPA) and Fair Credit Reporting Act. All three packages come with a $99.00 initial work fee that you pay upfront once in addition to the monthly fee. Lexington Law has a YouTube page where they regularly publish client testimonials and short videos on various credit repair topics. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. But, how much time do you have? Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Credit Saint operates on a 45-day dispute cycle. Customers are always encouraged to reach out to the company directly. However, The Credit Pros has a top plan that is more expensive than Credits Saints most aggressive package. The company has a well-developedblogthat offers up-to-date information about credit repair and good credit habits. Credit Saint is the oldest credit repair company in the industry. This makes it easy to monitor your account and the credit repair process on the go. What Happens if You Miss a Credit Card Payment? Learn more about our process. Top Consumer Reviews. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. 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 offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Copyright 2021 creditfixed.com All Rights Reserved. Credit Saint offers their cheapest package for $79 per month. Both Credit Saint and Lexington Law charge customers a fee each month for their services. 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. 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. You can also compare Credit Saint vs Lexington Law by exploring all of the top credit repair services. The monthly cost for this high aggressive plan is $99.99. Generally, the service doesnt have as many complaints on their BBB.org page as competing services like Lexington Law. Credit Saintalso offers a no-strings 90-day money-back guarantee. If you are working to repair your credit, youve likely spent extensive time trying to. It helps them achieve faster outcomes. If you choose this one, you will also have to pay the first-work fee of $195. However, with so many companies on the market, it can be hard to decide which direction to take. The Credit Pros doesnt boast of the same high regard, even though they claim to work with a team of FICO-certified experts. With the Credit Remodel package, Credit Saint will dispute up to 10 inaccurately reported items on your credit report. Customers must receive a free credit consultation with Lexington Law to receive complete pricing. Is Credit Saint a Good Credit Repair Company? Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. As previously stated, they are known to help consumers with severe credit problems. In 2004, the law firm began focusing on offering credit repair services. While both credit repair companies have good reputations and similar pricing,Credit Saintedges out Lexington Law in our review. 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 company utilizes automated systems to boost its workflow efficiency and strives to offer the best value. We break down the benefits and possible drawbacks of both services, so you can choose whichcredit repairservice is right for you. 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? Credit Saint vs Lexington Law vs Sky Blue vs CreditRepair.com vs Ovation 2022 CREDIT S2E216 5,446 views Jul 16, 2021 121 Dislike Share The Awesome S'witty Kiwi Show Credit Saint vs. They only facilitate the process but they dont control what gets removed. When going over Credit Saints services, one thing that stands out is that they dont make such promises. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Credit Saint - The Winner We personally recommend Credit Saint, but ultimately, the decision is up to you. The site is designed to help consumers repair credit reports and improve their financial standing. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. Because its a real law firm, Lexington Law is different than most other credit repair companies. They bring years of experience to the table and a team of credit repair analysts who are industry veterans. Who wins the Credit saint vs. Lexington law pricing war? The credit repair department at Lexington Law was founded in 2004 and has serviced over 8.7 million clients. The company is also an actual Utah-based law firm that deals with other legal matters as well. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. This may impact how, where, and in what order products appear. Learn more >. You know your budget. With this package, they will dispute up to 5 inaccurately reported items on your credit report. And a credit repair company may come to the rescue. Better Business Bureau accredited businesses, like Credit Saint, must adhere to high standards for ethical business practices. Which blood pressure supplement is the best? Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). You can get in touch with a credit repair company like Credit Saint and have them do the job for you. This means there are more than 40 million reports to take care of. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. The company is an excellent option if youre serious about fixing your credit. According to an FTC report, about 20 percent of people in the country have at least one inaccuracy on their report. They also expect customers to have made timely payments in the past. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. However, it doesnt come with a guarantee. Disclaimer: We offer completely free content to our users. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. These are things to consider as you begin to repair your credit. Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. Like we said earlier, repairing your credit is a long process. view details Credit service companies cannot promise a result or credit score increase. Stay up to date with the latest reviews. Making it possible to keep tabs on your FICO rating as well as your scores from other reporting bureaus using credit monitoring services. Where can you find the best, most affordable online doctors? His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. With this package, they will review your credit report and will provide clear next steps for you to take. Which one is the best for you? 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. Lets compare Credit Saint and some of its competitors to see which ones better. 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. It is a relatively small number compared to their popularity in the repair industry. We'd love to have you join our community! This helps pay for our writers time in order to provide meaningful and helpful information to get our readers on the path to better credit. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. All of us feel a little overwhelmed sometimes, and it's nice to have support when times are rough. **The trust value is based on our independent research. Rejected bankruptcies and defunct collection accounts. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. It is a well-known credit repair company in the industry that offers some great features. It's no secret that businesses want to know what consumers think. On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. Go to the official site, sign up for an account, pay the fee, and the company will get to work right away. Bottom Line: Credit Saint vs. Lexington Law. REVIEWED BY Brad Blanchard | September 12, 2022 November 4, 2022. Credit saint vs. Lexington law Which one is the best? Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. Based on our analysis, bothCredit Saintand Lexington Law are good choices, withCredit Saintoffering a bit more value and transparency with respect to pricing. They consistently offer consumers the best results and services. 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. On their BBB.org page, the company responds to complaints within five business days at most. On the other hand, Credit Saint has not been specific about its use of electronic disputes. On the other hand, Lexington Law is quite vague regars to the speed of their service. So, all-in-all, this package is not that different from their Clean Slate offering. With the facts presented before you, we hope our research provides clarity to your situation. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. Credit Saint offers a 90-day money-back guarantee, while The Credit Pros doesnt make any refund promises. Where can you find the best Moving Company? Its currently under the helm of the original founder, Ross LaPietra. IHG Rewards Club Premier Credit Card Review. Couples discounts & regular work-free promotions. Unlimited custom disputes are available on each plan. They do this by taking the fight to the individual creditors. Credit Saint edges Lexington Law when it comes to offering downright friendly services. Other than that, you still get all the extra features available on the Clean Slate package. 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. Again, these are things you need to consider. Its a great place to see their office photos too. 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. Sky blue charges up front. Each plan varies in offerings and is priced differently. Each text is published after its detailed proofreading. CreditRepair.com and Lexington Law offers multiple credit repair service options to meet the needs of clients. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. Credit Saint is a solid choice for credit repair. Here we provide an overview of Credit Saint and Lexington Law and the pros and cons of each. 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. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. The team members are mainly based in New Jersey and the New York Metro Area. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. You will find many Credit Saint reviews on the Internet. You can also cancel the service at any time without incurring any penalties or fees. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. 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. 89% of Lexington Law customers that have experienced improvement with the service have increased their credit score by at least 40 points. 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