We were curious how these negative CreditSaint.com reviews were handled. Their website contains more information, and you dont have to guess about what services they provide. 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. Credit saint vs. Lexington law Which one is the best? They also have mobile apps for easier progress tracking. Credit Saint operates on a 45-day dispute cycle. Free online consultation. Who can you trust when looking for the best payday loans? Read more. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. From there, credit repair providers work diligently to address the issues and resolve them, for as long as you maintain your subscription to their services. Credit Saintaims to help people repair their credit and then maintain a goodcredit scoreover time. Are you typically available to make calls during business hours? Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate. So, shopping around for credit repair firms is highly advised. But, how much time do you have? The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. This means being in it for the long haul. The online account page also allows clients to submit any feedback forwarded by the bureaus. Credit Saint operates on a 45-day dispute cycle. Credit Saint vs. Lexington Law. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. 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. On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. 1-833-333-8277 Cody Johnson, Managing Attorney, John C. Heath, Attorney at Law, PC, d/b/a Lexington Law Firm, 20620 North 19th Avenue, Phoenix, Arizona 85027 Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. Lexington Law is one of Credit Saints major competitors. Your credit score could, Wondering if a 550 credit score is good or bad? Top 4 Lenders for Bad Credit Loans: Compare Rates and Terms. These two companies have many similarities but also some differences that may be important when deciding between the two services. Credit Saintreceives high praise on average from its former and current customers. 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. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. If you have challenging credit history, it makes all of these things more complex and frustrating. Our stance is that its a great company to work with and most Credit Saint reviews from past customers validate this position. They consistently offer consumers the best results and services. REVIEWED BY Brad Blanchard | September 12, 2022 November 4, 2022. The package also includes score tracking, inquiry targeting, and Experian monitoring. The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. You can also cancel the service at any time without incurring any penalties or fees. Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. According to Lexington Laws website, it helped peopleremove 10 million negative items from credit reportsin 2017 alone. Over 850,000 clients in the last 10 years. If youre shopping around for credit repair services, its something to consider as you compare companies. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. Both firms also offer free consultations. Its important to note that Lexington Law disputes the CFPBs allegations and has filed a motion to dismiss the lawsuit. This means there are more than 40 million reports to take care of. For instance, the company lacks a service guarantee. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. Top Products. Credit Saint is a credit repair company that helps consumers repair their credit. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. 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. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. And a credit repair company may come to the rescue. In 2004, the law firm began focusing on offering credit repair services. Their four-step process entails: Step 1: Helping clients obtain copies of their credit reports and analyzing them for inaccurate entries to dispute. Lexington Law vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. The first step with any credit repair service will likely involve a thorough review of your credit report. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. The parent company supplies patented technologies used by Lexington Law and other consumer brands such as creditrepair.com and credit.com. . 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. view details Credit service companies cannot promise a result or credit score increase. As previously stated, they are known to help consumers with severe credit problems. The Credit Pros doesnt boast of the same high regard, even though they claim to work with a team of FICO-certified experts. People lost more than $16 billion due to these cases and the problem is only increasing. Furthermore, repairing your credit is not an overnight fix. Their FAQ section also contains a list of commonly asked questions about the service. Here are the details: The cheapest plan starts as low as $79.99. You can trust that when you read any article on Credit Weld, the interest of the reader comes first and the information provided leads to one goal: Improving your credit for life. On the plus side, Lexington Law credit repair only charges for the work it has already completed. Mike is a recognized credit expert and founder of Credit Takeoff. Credit Saint also discloses that its possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. This shouldnt be considered a drawback since no company in this niche can make such promises. 8.2 million removals and 26+ million challenges and disputes since 2012. On the other hand, the company appears to address each negative review, which is a positive sign. If you search the web for tips on how to repair your credit, you will come across Creditrepair.com reviews. The team even sent his day one and final-day credit report showing the positive changes after their repair process. Who provides the best debt relief? 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. 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). Credit Saint is the oldest credit repair company in the industry. Private Dashboard Talk to us as much or as little as you like. They are trailblazers, innovators, and above all, credit experts. This process takes time, and you certainly do not want to take a shortcut. When going over Credit Saints services, one thing that stands out is that they dont make such promises. Now, the only thing that we take issue with is how the company handles complaints, particularly on their BBB.org page. Now, this does not mean that they will allow you to challenge all negative entries at once. However, we must mention that Credit Saint does not make any such promises and there is no guarantee that the removal of any item will cause your credit score to improve. Again, these are things you need to consider. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. 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. They do this by taking the fight to the individual creditors. Hiring a credit repair provider can save you a significant amount of time and hassle. The package allows customers to go after ten negative items per billing cycle. Learn more about our process. When analyzing the professionalism of their customer support reps, we also reviewed how they respond to complaints. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. Credit Saint can improve it by removing items that appear incorrect due to issues such as administrative errors, calculation errors, etc. With this package, they will dispute up to 5 inaccurately reported items on your credit report. Credit repair involves identifying issues with your credit report, Our Ovation Credit review 2022 reaffirms the companys commitment to personalized credit repair. So far, over 1,000 people have left comments and they maintain a 4.4/5 rating. On the downsides, Lexington Law also charges a first work fee. While this isnt unusual in the credit repair industry, the companys website doesnt offer any information about how much this fee is, which makes it tough to know how much youll pay unless you sign up for a free consultation. Credit Saint vs. Lexington Law: Which One is Better? Credit Saint does not have transparent statistics published to demonstrate how many customers they have helped over the years and the number of disputes and challenges they have resolved. Andrew founded Credit Weld with the vision of providing guidance and solutions for those who are experiencing hardship due to poor credit. 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. For an extra charge of $15, Lexington Law can automatically load the clients credit reports into their system. It also enjoys anA ratingfrom the Better Business Bureau (BBB) and its one of a handful of credit repair companies accredited by the BBB. But if you have a lot more to spend, you may get more value by choosing Lexington Laws Advanced package. The company is unique because it compromises solicitors with experience in the niche. Lets compare Credit Saint and some of its competitors to see which ones better. Credit Saintis more transparent about its enrollment fees, whereas Lexington Law makes it difficult to know exactly how much youll pay for a first work fee when you sign up for services. 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. Fast Facts Fees: $79 per month, plus a one-time fee of $99 Highlight: 90-day money-back guarantee Its one of the biggest highlights of the service and a recurring theme in their customer reviews. In addition to this, there are several other issues that the company can take care of on your behalf. Credit Saint has developed packages at different prices to cater to a broad range of customers regardless of their budget. Credit Saint offers the following three different credit repair plans to meet the needs of various clients. Credit Saint responded by saying that a manager had reached out to the client after confirming that there were removals for his account. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. So, compared to Credit Saint, its a cheaper option. The main office is in Mahwah, New Jersey. Fortunately, there are ways to remove incorrect items. It helps them achieve faster outcomes. Pay For Delete Letter Template For Credit Repair, Sky Blue Credit vs Credit Saint: Best Credit Repair Companies. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. Finally, our readers comes first. Credit Saint edges Lexington Law when it comes to offering downright friendly services. The companys LinkedIn profile shows that they have about 43 employees. Credit Saint has a better basic package as it includes the score tracker and score analysis. Thats when the paralegal will reach out after you purchase a package. Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law. We break down the benefits and possible drawbacks of both services, so you can choose whichcredit repairservice is right for you. 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. 250 Pehle Ave #200, Saddle Brook, NJ 07663, United States. These options range from basic to aggressive credit repair services. #1 CreditRepair.com. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. Lets review the details of each package. From here, you can get status updates, progress reports, and other information about your account and your credit. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile. 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