Stay up to date with the latest reviews. You will need to pay an initial setup fee of $99. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. Lexington Law does not publish this fee on its company website, and customers must consult directly with the company to determine the cost. In today's economy, everyone's got a side hustle, from making crafts to sell on Etsy to delivering people's takeout meals. Fortunately, there are ways to remove incorrect items. Both Credit Saint and Lexington Law offer unique credit repair packages. 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. In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. And a credit repair company may come to the rescue. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. Gerald is the founder and editor-in-chief of CreditFixed.com. 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. The following are some of the most frequently asked questions and answers regarding Lexington Law versusCredit Saint. Well, there are no significant differences. Most of the actions taken on your behalf by a credit repair service can be done on your own. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. During the session with a rep, ask all pressing questions about repairing bad credit and errors. 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. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions. Where can you find the best online couples therapy? We'll keep you informed, and we'll never sell your information to anyone. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. They also have mobile apps for easier progress tracking. Using the incorrect name, address, or Social Security number. This is comparable to other credit repair services, and we like that Lexington Law offers a range of service levels designed to accommodate all budgets. 250 Pehle Ave #200, Saddle Brook, NJ 07663, United States. Thats when the paralegal will reach out after you purchase a package. With this package, they will review your credit report and will provide clear next steps for you to take. It doesnt include inquiry targeting, so the firm will not help in disputing hard inquiries. Lexington Law, on the other hand, charges $129.95 with a work fee of $129. It's no secret that businesses want to know what consumers think. Customers expect to see immediate results. Its the time taken by credit bureaus to carry out reinvestigations. That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. Lexington Law leverages this process to fix their clients' credit. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. Credit Saint has made strides in addressing its content gap this year. Contact us today to learn more and find out about our additional services. 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? The results are processed in order to detect spammy and fake feedback. For instance, the company lacks a service guarantee. 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. While it doesnt always work, there is still a chance of success. Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. 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! They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. 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! (2023), Lexington Law vs. Credit Saint: Credit Repair Packages and Price, Credit Saint vs. Lexington Law: Educational Resources. This means they will send out a new round of credit report disputes every 45-days. Its not necessarily a reflection of the quality of their services. But large or small any company or person that charges anone upfront is breaking the law. All three credit repair packages come with a 90-day money-back guarantee, and you can cancel any time without penalty. For instance, you can check reviews on Credit Saint on Google Reviews. Your credit score could, Wondering if a 550 credit score is good or bad? However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. This means there are more than 40 million reports to take care of. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Where can you find the best, most affordable online doctors? They have two affordable packages, going for $79 and $109 per month. Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. This is said to be one of Credit Saints most popular plans and it comes with the following features: People who spend a lot can consider this plan as it is the companys most expensive plan starting at $119.99 a month. Lets take a closer look at their pricing packages and provided features: Creditsaint allows customers to choose from three pricing packages: Its their most advanced package, and customers will pay an initial work fee of $195. However, there are a few things consumers should know. So which one offers the best credit repair services? After examining the pricing packages of both providers, you will not necessarily save a lot of money by choosing between the top packages offered by the two services. Customers typically mention the names of paralegals who intervened in their cases. They claim that this helps them fastrack the preparation of the initial first round of disputes. 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. They serve the same function as Credit Saint, which is challenging and disputing items that reflect negatively on your credit report. Note that bbb.org is not the primary channel for raising or addressing complaints. Lexington Law has a YouTube page where they regularly publish client testimonials and short videos on various credit repair topics. It all comes down to reputation. As previously stated, they are known to help consumers with severe credit problems. The plan only allows customers to challenge up to 5 negative entries for each billing cycle. How Long Does It Take to Repair Your Credit? Like we said earlier, repairing your credit is a long process. A look at the BBB website shows that Lexington Law does actively respond to negative customer reviews posted by clients. Clean Slate The erasing of outdated inquiries from your credit report. All of us feel a little overwhelmed sometimes, and it's nice to have support when times are rough. Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce. 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. There is an initial work fee, but no information on the website about how much that fee costs. The company website has an educational blog that provides customers with valuable information about credit repair. If you are serious about repairing your credit, it makes a good option that is relatively risk-free for the first three months. We may receive compensation (at no cost to you) when you click on links to those products. Blood pressure issues are very common in the United States. It is quick and easy, but dont expect tailored insight or advanced credit repair options. Credit Saint has a better basic package as it includes the score tracker and score analysis. 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. Credit Saint offers their cheapest package for $79 per month. Seeing tangible results can motivate you to stay on track with maintaining good credit. Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. For consumers, Credit Saint is the cheaper option. In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. Concord Premier At $109.95 per month, the Concord Premier is the middle-of-the-road service level, which gets you everything in the Concord Standard plan plus TransUnion score alerts and a monthly credit score analysis. Learn more >. Lexington Law vs Credit Saint: Whos Better? In a past comment, they mention that they go after half of the available items to dispute. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. Over 850,000 clients in the last 10 years. 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. Are you typically available to make calls during business hours? Credit Saint BBB rating shows that the company is reliable and loved by people. Since that time, they've opened offices in 17 states and become licensed in most of the rest. The Consumer Financial Protection Bureau (CFPB), which is the federal agency that handles oversight of the credit repair industry, filed alawsuitagainst Lexington Law in 2019, in which the CFPB alleges the company engaged in deceptive business practices by participating in an affiliate network that directed potential customers to Lexington Law. The company is an excellent option if youre serious about fixing your credit. Lexington Law vs. Credit Saint: Which One is Faster? Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. If youre in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. 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? Most clients see a 40-point increase in their credit score in six months. When comparing Lexington Law vs. Credit Saint, its also vital to compare the educational resources. However, in our opinion, the best bang for your buck is Credit Saint. Credit Saint works in 45-day cycles. Founder of Credit Repair Partner. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. It can remove judgments and help improve your credit score. 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