However, those who are willing to wait are usually the ones who see remarkable results. Credit Saints cost is justified by its amazing features, including the reliable money-back guarantee. We were curious how these negative CreditSaint.com reviews were handled. Plus, it is BBB accredited with very few complaints under the belt. This means you will get your money back if the company fails to remove any inaccurate items from your report within 90 days of signing up. It all comes down to reputation. The company has a 4.4-star average rating across more than 1,100 Google reviews, with the majority of reviewers praising the companys responsiveness, professionalism, and results. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Credit Saint is accredited and highly rated with an A by the BBB, whereas Lexington Law has a C rating with the BBB and is not accredited. Regular membership goes for $119.99. Mike is a recognized credit expert and founder of Credit Takeoff. They state that most customers that repaired their credit using their services saw at least a 40-point increase in their credit score. You can also compare Credit Saint vs Lexington Law by exploring all of the top credit repair services. is the very high aggressive plan offered by Credit Saint. $600 child tax credit is central to Healeys new tax relief package. The online dashboard allows customers to track the progress of their credit repair. Its one of the biggest highlights of the service and a recurring theme in their customer reviews. Today, they continue offering technology-supported credit repair services thanks to their partnership with Progrexion Holding. On the same note, trying to repair bad credit can also be one of the most challenging things an individual can face. This package is more hands-on and gives the customer more control over the entire credit repair process. All of us feel a little overwhelmed sometimes, and it's nice to have support when times are rough. Both companies are established and highly visible players in the business. Learn more about how we make money. You can choose from a variety of repair plans according to your requirements and budget. Read our Disclaimer Policy for more information. Like us? According to an FTC report, about 20 percent of people in the country have at least one inaccuracy on their report. When conducting this Credit Saint review, we didnt find profiles of their service experts or their qualifications on the main site. Credit Saint also begins its repair process within 48 hours. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. The online account page also allows clients to submit any feedback forwarded by the bureaus. For instance, you can check reviews on Credit Saint on Google Reviews. 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. Like Credit Saint, Lexington Law also operates on a monthly subscription plan that allows customers to cancel at any time. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Seeing tangible results can motivate you to stay on track with maintaining good credit. There is a one-time $195 sign-up fee, and then youll pay $119.99 every month youre enrolled. For instance, while Credit Saint offers a 90-day money-back guarantee, its still subject to many conditions. On the other hand, if youre thinking about hiring acredit repair company, you should review all your options so you can be confident youre making the best choice for your unique situation. You will need to pay an initial setup fee of $99. Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law. Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Credit Saint has a 45-day repair cycle. However, the biggest takeaway with this package is unlimited disputes. Credit Saint vs. Lexington Law: Who is Better? 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 Saint - The Winner This means there are more than 40 million reports to take care of. Thats because you will need to work with someone to identify potential dispute candidates. Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who dont have successful deletions. How have the two services performed when it comes to the level of customer care? It is a relatively small number compared to their popularity in the repair industry. 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. And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics. In a past comment, they mention that they go after half of the available items to dispute. Top Consumer Reviews. That's where credit repair services enter the picture. 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. But if you have a lot more to spend, you may get more value by choosing Lexington Laws Advanced package. Here are the details: The cheapest plan starts as low as $79.99. Credit repair involves identifying issues with your credit report, Our Ovation Credit review 2022 reaffirms the companys commitment to personalized credit repair. How to Dispute Medical Bills on Your Credit Report? Lexington Law begins the process as soon as 48 hours. There are a lot of credit repair companies to choose from, and it can be hard to know which one is the best fit for your needs. Credit Saint does a simple job it reviews your credit report and addresses factors that can impact it. If youre serious about repairing your credit and obtaining a good credit score and looking for a credit repair company to help you with the task, Credit Saint is one of the best credit repair companies to consider. In our recommendation, Credit Saint outperforms Lexington Law overall. There are so many different ways to go. The establishment is transparent about the lawyers it has on its team. Because its a real law firm, Lexington Law is different than most other credit repair companies. Like Credit Saint, Lexington Law also offers three different credit repair options to meet the needs of various clients. 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. They must make a reasonable faith effort to resolve grievances raised by customers. You might get a discount if you sign up as a couple, or if you're a current or former member of the military. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company. Since you're interested in Credit Repair Companies, here are some other reviews you might find interesting. The wrong loan and credit card balances listed. The main office is in Mahwah, New Jersey. Clean Slate Credit Solutions charges upfront, Credit 360, Reliant Credit Repair, they all charge up front fees. It leverages digital partnerships to facilitate electronic disputes and provides personal finance tools in its mobile app. On the positive side, the company provides full support to clients and offers tips on how they can improve their credit rating. 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. John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. However, there are a few things consumers should know. However, we must mention that it does not make any promises to boost your score or help you reach a certain number. A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. Lexington Law currently has a pending federal lawsuit that alleges deceptive and unlawful marketing and billing practices (the company is currently disputing the suit and has filed a motion to dismiss it). Choose which one will help you the most. All plans are flexible with the option to cancel anytime. The Credit Pros doesnt boast of the same high regard, even though they claim to work with a team of FICO-certified experts. In 2004, the law firm began focusing on offering credit repair services. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. Many educational resources on the Lexington Law website help customers understand credit scores and how to improve them. Typically, most investigations are concluded within 30 days, but credit bureaus can add 15 days if necessary. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. Credit Saintis a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. 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. Unfortunately, not everyone understands what goes into a positive credit history. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. This engagement demonstrates that they do care about addressing concerns and remedying issues. 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. Also, note that no company can remove legitimate items from a credit report. It also includes a credit analysis component. The monthly cost for this high aggressive plan is $99.99. Now, this is not a high-stakes choice. Credit Saint is a solid choice for credit repair. You also get disputes for bankruptcies and repossessions. Is Credit Saint or Lexington Law Cheaper? It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. The company works by first thoroughly reviewing your credit report and identifying which of the items on there do damage to your credit score. Credit Saint comes with both pros and cons. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt. Each text is published after its detailed proofreading. The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips. Think about a loan that you never took but it appears on your report due to an administrative error. They choose to issue refunds in some situations and use friendly language when responding to customers. In that time, you will have roughly paid the same fees if you selected either service. Based out of New Jersey, Credit Saint has been in business for over 15 years and has a BBB rating of A. This strong rating means they are a reliable and trustworthy company. So which one offers the best credit repair services? Where can you find the best, most affordable online doctors? How Long Does It Take to Repair Your Credit? Credit Saintalso offers a no-strings 90-day money-back guarantee. As you start to explore the possibility of credit repair, you'll soon see that there are many providers hoping to gain your business as a client. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs. The company has maintained an A+ rating for 13 years making it one of the most reliable credit repair firms. The company is unique because it compromises solicitors with experience in the niche. In 2004, the law firm began focusing on offering credit repair services. Lets compare Credit Saint and some of its competitors to see which ones better. From here, you can get status updates, progress reports, and other information about your account and your credit. Credit Saint is a credit repair company that helps consumers repair their credit. Both companies also charge an first work fee. 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2023-04-21