Your credit score could, Wondering if a 550 credit score is good or bad? Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. 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? Each credit repair firm offers a dedicated customer service line for clients that can help answer any questions you may have. Their cheapest plan goes for $69, which means that youll pay less than if you got the Credit Saints Credit Polish package at $79.99. Follow us! Opinions expressed on this site are the authors alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. These two companies have many similarities but also some differences that may be important when deciding between the two services. Customers can expect a robust experience when working with Lexington Law. They will go over specific details of your credit history and offer additional techniques for improving your scores. 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. However, The Credit Pros has a top plan that is more expensive than Credits Saints most aggressive package. The company appears to be doing well in this department. 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. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. From removing negative items to filing disputes with all three credit bureaus, and everything in between, they possess the talent and knowledge to do it all. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report. Now, this does not mean that they will allow you to challenge all negative entries at once. Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelors Degree in Finance from the University of Illinois at Chicago. 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. 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. 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. If you have challenging credit history, it makes all of these things more complex and frustrating. The PremierPlus package is Lexington Laws most advanced credit repair plan. There are no incurring fees, which means you will not have to worry about signing up for a long period of time. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. 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. For instance, the company lacks a service guarantee. The results are processed in order to detect spammy and fake feedback. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. This is one of the biggest misconceptions with the credit repair industry. Credit Saint also offers their customers a 90-day money-back guarantee, which indicates that they care about customer satisfaction, stand behind their product, and strive to obtain actual customer results. Also, note that no company can remove legitimate items from a credit report. Furthermore, Lexington Laws most advanced credit repair package gives its customers access to exclusive personal finance tools. Fortunately, there are ways to remove incorrect items. Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. While it is pretty reliable and popular, it doesnt have a very good BBB rating, unlike Credit Saint. For instance, you can download a 609 letter and pay-for-delete letter template. Lexington Law also offers its own smartphone app, which is available for both Apple and Android devices. Typically, most investigations are concluded within 30 days, but credit bureaus can add 15 days if necessary. The company is an excellent option if youre serious about fixing your credit. Customers typically mention the names of paralegals who intervened in their cases. Lexington Law has a YouTube page where they regularly publish client testimonials and short videos on various credit repair topics. 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. Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. The Clean Slate package is Credit Saints most aggressive credit repair plan. Lexington Laws basic service package provides access to bureau challenges and creditor interventions. Both Credit Saint and Lexington Law charge customers a fee each month for their services. Get started today with a FREE credit consultation. 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. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. 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. You will need to talk to the agents if you wish to cancel your plan or ask for a refund. Lets compare Credit Saint and some of its competitors to see which ones better. 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. While Lexington Law does leverage in-house legal expertise, it is currently facing a class action law suit by the Consumer Financial Protection Bureau (CFPB). Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. They'll help you remove negative items while teaching you how to optimize your financial choices to boost your credit score. An achievement that should not go unnoticed. A lot of companies in 2022 promise to Disclaimer: We provide free content for our users. Lexington Law vs. Credit Saint: Overview Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. There is a one-time $99 sign-up fee, and then you pay $99.99 each month youre enrolled in the service. Free online credit report consultation includes credit score, credit report summary, and credit repair recommendations. When comparing Credit Saint and Lexington Law, consumers should take note of what educational resources both credit repair companies provide their customers. There is an initial work fee, but no information on the website about how much that fee costs. You will find many Credit Saint reviews on the Internet. You know your budget. The goal of the founders was to revolutionize the repair industry. Credit Saint is a solid choice for credit repair. If we feel this product or service is not to our standards we will not recommend solely due to money. Credit Saint vs. Lexington Law: Whos Better? Which blood pressure supplement is the best? In contrast, Lexington Law's BBB rating is only a C. Review winner: Credit Saint Credit Repair Results of LExington Law Vs. Credit Saint Lexington Law is the biggest advertiser thus they have the biggest problem now. Lexington Law may be able to help you repair your credit, but keep in mind that federal law prohibits any credit repair company from guaranteeing specific results. It has a C rating with the BBB and is not an accredited BBB company. In that time, you will have roughly paid the same fees if you selected either service. Top Rated Services. 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. Other than that, you still get all the extra features available on the Clean Slate package. Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. The site is designed to help consumers repair credit reports and improve their financial standing. Regular membership goes for $119.99. Each plan varies in offerings and is priced differently. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. Now that said, Credit Saint is accredited and has an A- rating. 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? On the other hand, there are companies that don't deliver what they promise. Purchases made through links may earn a commission. 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. is the very high aggressive plan offered by Credit Saint. Overall, the process takes as long as needed to remove as many negative items from your report as possible. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances. The company utilizes automated systems to boost its workflow efficiency and strives to offer the best value. Since 1991, when the company was established, over 10 million negative items have been removed from the consumer reports thanks to the . Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. For instance, Lexington charges a basic set up fee of $100. The Credit Pros Review: Best Credit Repair Company? The company offers excellent customer support and the agents are very friendly. Both firms also offer free consultations. Both Lexington Law and Credit Saint offer robust credit repair packages. We only recommend products or services that we would use ourselves and have gone through a significant amount of research before posting. The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days. Lexington Law, on the other hand, charges $129.95 with a work fee of $129. Credit Saint is better if you are looking to partner with a credit repair company. They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. According to an FTC report, Have you ever applied for a loan only to discover you do not qualify? Contact us today to learn more and find out about our additional services. This team of legal professionals is known for solving the most complex credit problems. A foreclosure is a process that starts when a borrower fails to pay their mortgage. 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