The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. Contact us today to learn more and find out about our additional services. Not many people are fully aware of what credit repair firms do or why they need to hire one. All plans are flexible with the option to cancel anytime. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt. They also expect customers to have made timely payments in the past. However, with so many companies on the market, it can be hard to decide which direction to take. Here we provide a direct comparison of each companys cost, reputation, customer service, and effectiveness. It was the same year that John C. Heath became the directing attorney. The responses tend to be very formal, and they lean back on their policies to explain their position and why they cant issue refunds. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies. When choosing a credit repair company to work with, there are a few things you need to consider. And, there's something to be said for letting the experts do the work, using their knowledge and connections to ensure that your credit repair process is done effectively. So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus. 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. They can be used for a variety of purposes, such as consolidating debt, covering unexpected expenses, or financin Credit Card Purchase Protection Explained. Top Consumer Reviews. Credit Saint also begins its repair process within 48 hours. A good credit repair company will not only help you remove negative items from your credit report from late payments to identity theft, but they will also help you understand your credit score and guide you on how to boost your score and keep it on track long-term. Not only is Credit Saint a BBB accredited business, but all programs come with Credit Saint's 90-day Money Back Guarantee. That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. The company is available in a limited number of states and residents of South Carolina, Kansas, and Georgia cannot access it. But if you are serious about repairing your credit, then you need to approach this situation with a long-term mindset. The team members are mainly based in New Jersey and the New York Metro Area. Depending on which company you choose, the service might also include cease and desist letters, goodwill letters to help you qualify for credit in the future, credit monitoring to keep you on track, and one-on-one coaching. How To Choose Between Lexington Law and Credit Saint. The package allows customers to go after ten negative items per billing cycle. I love, helping people become smarter about their credit and finances. Credit repair services typically charge a one-time setup fee and monthly service fees. Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. 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. It includes all of the services of the other plans but also adds the value of unlimited challenges to the three credit bureaus. How Long Does It Take to Repair Your Credit? Late payments, applying for multiple credit cards in a short period of time, or even problems with mistaken identity can all lead to a less-than-excellent credit profile. The package also includes score tracking, inquiry targeting, and Experian monitoring. Learn more >. The establishment is transparent about the lawyers it has on its team. 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. Purchase protection is a common credit card benefit that allows consumers to file a claim with their issuer to receive replacement, repair or reimbursement for any Lexington Law Review (2023): Legit Credit Repair Firm or Not? There are several credit repair companies on the internet and while they all claim to be the best, theyre not made equal. The plan only allows customers to challenge up to 5 negative entries for each billing cycle. Overall, Credit Saint is the cheaper option. Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. (2023). Its the time taken by credit bureaus to carry out reinvestigations. Andrew founded Credit Weld with the vision of providing guidance and solutions for those who are experiencing hardship due to poor credit. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Each plan varies in offerings and is priced differently. Is Credit Saint or Lexington Law Cheaper? It covers the work performed in preparing the first round of disputes. 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. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. These errors can impact your score and lead to issues in the future. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. Credit Saintalso offers a no-strings 90-day money-back guarantee. Fret not, Credit Saint is known for fighting tooth and nail with your debt collectors and all three credit bureaus. 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. 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. Like we said earlier, repairing your credit is a long process. To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process. But, how much time do you have? This means they will send out a new round of credit report disputes every 45-days. When you sign up for an account, youll work with credit repair specialists, paralegals, and lawyers. So far, over 1,000 people have left comments and they maintain a 4.4/5 rating. This plan costs $119.95/month. Credit Saint and Lexington Law will also help craft cease and desist letters that encourage creditors from continuing to report inaccurate information after it's been disputed. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah. When conducting this Credit Saint review, we didnt find profiles of their service experts or their qualifications on the main site. Maura Healey's tax proposal would overhaul the estate tax and short-term capital gains tax. But large or small any company or person that charges anone upfront is breaking the law. Which paid survey companies are the best? Copyright 2021 creditfixed.com All Rights Reserved. The Lexington Law firm provides three pricing options: Compared to Credit Saints Clean Slate plan, the Advanced plan certainly has more features, and its only going to cost you $129.95, about $10 more. However, The Credit Pros has a top plan that is more expensive than Credits Saints most aggressive package. The only claim to dispute nonfactual information in the credit report. Andrew is a credit expert with over 20 years of experience in the industry. Gerald is the founder and editor-in-chief of CreditFixed.com. Purchases made through links may earn a commission. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. Free consultation and 90-day money-back guarantee. When analyzing the professionalism of their customer support reps, we also reviewed how they respond to complaints. In addition to this, there are several other issues that the company can take care of on your behalf. Credit Saint is a repair company that was established in 2004 with the sole purpose of 'helping Americans fix their shaky credit histories.' Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. However, we must mention that it does not make any promises to boost your score or help you reach a certain number. Lexington Laws basic service package provides access to bureau challenges and creditor interventions. Both Credit Saint and Lexington Law will require your full commitment. An achievement that should not go unnoticed. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. Their website contains more information, and you dont have to guess about what services they provide. This engagement demonstrates that they do care about addressing concerns and remedying issues. Credit Saint has received the best reviews of pretty much any credit repair company in the business due to their strong reputation. Lexington Law is one of Credit Saints major competitors. For instance, you can check reviews on Credit Saint on Google Reviews. Lexington Law firm is another large and well-known credit repair agency that offers similar services to Credit Saint. Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. Your representative will discuss your credit history in detail, help you identify actionable items, and give you a recommendation for which services are best suited to your needs. Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. Whos faster Lexington Law or Credit Saint? Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced. Disclaimer: We offer completely free content to our users. 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. Finally, our readers comes first. Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law. Sky Blue is one of the oldest repair companies. Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. Founded in 2007 by industry leader Ross LaPietra, Credit Saint is a clear leader when it comes to credit repair. Now, this does not mean that they will allow you to challenge all negative entries at once. Choose which one will help you the most. Lexington Law boasts of its effectiveness on its website by providing data that backs up the fact that they receive real results for their customers. With this package, they will dispute up to 5 inaccurately reported items on your credit report. Additionally, Concord Premier will not help you with identity theft. Even though it is not a law firm, like Lexington Law, an attorney founded it, so it also has a legal background. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. Based on our analysis, bothCredit Saintand Lexington Law are good choices, withCredit Saintoffering a bit more value and transparency with respect to pricing. 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. Keep in mind that laws prevent any company that repairs credit from guaranteeing customers that they will see specific results as every credit repair situation is different, and various factors determine results. Both Credit Saint and Lexington Law charge customers a fee each month for their services. Most of the actions taken on your behalf by a credit repair service can be done on your own. This shouldnt be considered a drawback since no company in this niche can make such promises. 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. Their FAQ section also contains a list of commonly asked questions about the service. If you're interested in getting started, Lexington Law provides free credit report consultations to assess your specific situation. Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months. We'd love to have you join our community! 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. Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. At the same time that they review the negative items on your report, they also look at and analyze the positive things they see and provide guidance on how you can continue with these things to improve your score. For consumers, Credit Saint is the cheaper option. In our recommendation, Credit Saint outperforms Lexington Law overall. Elsewhere, both companies get generally favorable reviews from former and current clients. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. These two companies have many similarities but also some differences that may be important when deciding between the two services. In business since 2004,Credit Sainthas been helping people repair their credit for nearly two decades, making it one of the oldest credit repair companies in the industry. Both Credit Saint and Lexington Law offer unique credit repair packages. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. view details Credit service companies cannot promise a result or credit score increase. Like us? If youre interested in Lexington Laws services, you should be aware of pending litigation involving the company. Where can you find the best, most affordable online doctors? You can also compare Credit Saint vs Lexington Law by exploring all of the top credit repair services. Unlike most credit repair companies,Lexington Lawis both a credit repair company and an actual law firm. Here are a few things to keep in mind as you decide: To help you get your finances back on track, TopConsumerReviews.com has evaluated and ranked the most popular credit repair services available today. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. The biggest determinant of how fast items will be removed from your credit report is not the company you select. Lexington Lawscredit helpsection of its website offers a robust number of educational resources to help you understand how credit scores work and what steps you can take to improve and maintain your score. An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. The law firm will provide your TransUnion credit report summary and Transunion FICO score. From here, you can get status updates, progress reports, and other information about your account and your credit. 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