credit saint vs lexington lawwendy williams sister lawyer

These credit repair services provide you with expertise and assistance by writing effective letters to the major credit bureaus to address specific items. While it is pretty reliable and popular, it doesnt have a very good BBB rating, unlike Credit Saint. Today, they continue offering technology-supported credit repair services thanks to their partnership with Progrexion Holding. Lexington Law is not accredited by the Better Business Bureau. This may impact how, where, and in what order products appear. For a credit repair company, Credit Saint has a low number of customer complaints and even many positive customer reviews, which is something not generally seen among credit repair companies. If you have challenging credit history, it makes all of these things more complex and frustrating. Now, its time for us to render our verdict, and surprisingly, its a tie. If the total is suspiciously low, Sky Blue Credit Repair can help you restore it. Although both companies have remained in business for a long time, are well-known, and have served many clients, deciding which one to use is a matter of personal preference. The online account page also allows clients to submit any feedback forwarded by the bureaus. Credit Saint states that theClean Slate Planis the most popular option of the three credit repair services they offer. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB. Customers must receive a free credit consultation with Lexington Law to receive complete pricing. Rather than jumping to conclusions, we will first present facts about the two credit repair services. Credit Saint offers their cheapest package for $79 per month. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you. This team of legal professionals is known for solving the most complex credit problems. If youre shopping around for credit repair services, its something to consider as you compare companies. From here, you can get status updates, progress reports, and other information about your account and your credit. Credit Saint offers a 90-day money-back guarantee, while The Credit Pros doesnt make any refund promises. Credit Saint is better if you are looking to partner with a credit repair company. On their website, they claim most customers stay with them for 6 months. Elsewhere, both companies get generally favorable reviews from former and current clients. You will need to talk to the agents if you wish to cancel your plan or ask for a refund. Lexington Law is one of Credit Saints major competitors. However, note that it comes with certain conditions. Consistently ranked as the top service on finance sites, Offers unlimited challenges per dispute cycle, Free non-obligatory credit repair consultation, Tailors services and disputes to each situation, 90-day refund policy means a worry-free service, Offers education on other ways to optimize scores, Intuitive dashboard for tracking challenges, Responds to complaints with care and attention. They claim that this helps them fastrack the preparation of the initial first round of disputes. Both companies are careful to note that its hard to know how long it will take to see results with their services, and Lexington Law correctly states that its illegal for any credit repair company to guarantee results. You also get disputes for bankruptcies and repossessions. Finally, for as long as you remain subscribed, Lexington Law will continue to address any new credit issues on your report as they appear. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. These two companies have many similarities but also some differences that may be important when deciding between the two services. They also offer a 90-day money-back guarantee if you do not see any questionable items removed from your credit report during that time. The company is also an actual Utah-based law firm that deals with other legal matters as well. Clean Slate At $119.99 per month, the Clean Slate package isCredit Saints flagship level of service. In a crowded market, it is hard for consumers to choose a credit repair company. The companies also have good reviews on average, but Lexington Laws regulatory troubles and less than stellar BBB profile stop it from taking top marks in our review. Better Business Bureau accredited businesses, like Credit Saint, must adhere to high standards for ethical business practices. Sometimes. Are you looking to move somewhere new? An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. Most companies train their customer representatives to offer professional credit rebuilding guidance to customers. But are its programs worth a try? Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. Think about a loan that you never took but it appears on your report due to an administrative error. Small is leading an important community effort and will partner with an area not for profit organization, O.C.E.A.N. Its tough to state which credit repair service is better because what appeals to one person may not necessarily appeal to another. It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed. Rosales vs. Lexington Law Firm was filed in Nebraska in 2017 and claimed violations of the Telephone Consumer Protection Act (TCPA) and Fair Credit Reporting Act. Since that time, they've opened offices in 17 states and become licensed in most of the rest. Both Credit Saint and Lexington Law will require your full commitment. The online dashboard allows customers to track the progress of their credit repair. They will go over specific details of your credit history and offer additional techniques for improving your scores. Credit Saint vs. Lexington Law: Whos Better? Select any 2 Credit Repair Companies to compare them head to head, Atlantic City, NJ Mayor Leading Free Resident Credit Repair Effort. Which one is the best for you? Compared side by side, bothCredit Saintand Lexington Law have comparable pricing, service levels, and speeds of service. 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. Finally, we like that Credit Saints pricing structure is transparent, and the monthly prices seem reasonable for the provided service. According to the companys BBBprofile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews. Both brands have built up a loyal following and have good reviews on TrustPilot. Both Credit Saint and Lexington Law are two of the best credit repair companies in the United States. Over 850,000 clients in the last 10 years. 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. At this level of service, you get up to 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes for. Monthly pricing is more expensive than Credit Saint. 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. Their prices are reasonable, they provide a money-back guarantee, and they have an excellent reputation across the credit repair industry. But make sure that you are reviewing companies that provide an equivalent level of service. Lexington Law vs Credit Saint: Whos Better? Credit Saint offers the following three different credit repair plans, Credit Saint has a much better reputation overall. On the other hand, Lexington Law is quite vague regars to the speed of their service. Lexington Law vs. Credit Saint: Which One is Faster? Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce. The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. Citi is an advertising partner. Andrew is a credit expert with over 20 years of experience in the industry. Step 2: Disputing negative items by sending the required correspondence on behalf of the clients. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus. Together, they have helped thousands of consumers repair their credit and clean up their credit report. Free consultation and 90-day money-back guarantee. This process takes time, and you certainly do not want to take a shortcut. And this gives you a chance to ask questions and explore your options. Most clients see a 40-point increase in their credit score in six months. During the session with a rep, ask all pressing questions about repairing bad credit and errors. 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. Of the two companies, Credit Saint has a much better reputation overall than Lexington Law for credit repair services. For some complaints, they were willing to offer refunds. You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed. On the subject of feedback, reviews on Credit Saint generally focus on the exceptional help provided by the customer representatives. 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. Moreover, Lexington Law is currently dealing with a looming legal case over its marketing practices with the Consumer Financial Protection Bureau (CFPB). It costs $89.85 per month, a bit on the higher side than the Credit Polish package. When choosing a credit repair company to work with, there are a few things you need to consider. Credit Polish is Credit Saints most basic credit repair package. For instance, you can download a 609 letter and pay-for-delete letter template. Lexington Law and The Credit People are both top-ranked companies that are well known for providing quality credit repair services. Writing goodwill letters appealing for the removal of your legitimate, negative items that arent wanted anymore. Fortunately, there are ways to remove incorrect items. Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Their website contains more information, and you dont have to guess about what services they provide. Credit Saint BBB rating shows that the company is reliable and loved by people. How To Remove a Repossession From Your Credit Report, 550 Credit Score: Understanding Your Score and How to Fix It. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies. Free credit report consultation Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Both companies also charge an first work fee. Credit Saint charges $99.00 for this fee. Credit Saint has a better basic package as it includes the score tracker and score analysis. Fraudulent accounts opened under your credit by someone else. Credit Saint is a repair company that was established in 2004 with the sole purpose of helping Americans fix their shaky credit histories.. The PremierPlus package is Lexington Laws most advanced credit repair plan. You will pay about $109.85 per month. Lexington Law has over 18 years of experience and has helped remove millions of errors from credit reports. Blood pressure issues are very common in the United States. Because Credit Saint and Lexington Law offer similar and comparable services, both companies have an extensive history of helping customers repair their bad credit scores. Credit Saint has developed packages at different prices to cater to a broad range of customers regardless of their budget. As previously stated, they are known to help consumers with severe credit problems. Its the time taken by credit bureaus to carry out reinvestigations. This is Lexington Laws most basic offering. Choose a credit repair package that you can afford and aligns with your financial goals. UnlikeCredit Saint, however, Lexington Law is not accredited by the BBB. It is quick and easy, but dont expect tailored insight or advanced credit repair options. But there are two questions you need to ask yourself. 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? The companys LinkedIn profile shows that they have about 43 employees. On the downside, it is not a 100% guarantee. Credit Saint works in 45-day cycles. Overall, online reviewers have positive things to say aboutCredit Saint. Learn more >. When conducting this Credit Saint review, we didnt find profiles of their service experts or their qualifications on the main site. Credit Saint - The Winner Unlike other credit repair firms, Lexington Law has been founded by qualified lawyers who know the industry well. Credit Saint vs. Lexington Law: 2022 side-by-side comparison. The monthly cost for this plan is $119.99 per 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. Like us? Other than that, you still get all the extra features available on the Clean Slate package. Creditrepair.com is an old company that is known for being very affordable, but it doesnt offer all the features Credit Saint does. As mentioned earlier, there are many companies offering similar services. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. They state that they have had success with over 70 million removals and 22.3 million challenges and disputes. Its currently under the helm of the original founder, Ross LaPietra. 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. 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. Let's [] Some customers might like the benefit of having these types of legal experts on their side. Lexington Law also offers its own smartphone app, which is available for both Apple and Android devices. If youre considering a credit repair service, its important to take positive and negative reviews as a whole before you make a decision. Copyright 2021 creditfixed.com All Rights Reserved. Repairing your credit and removing negative items from your credit report is a process that takes time, knowledge, and experience. There is something scary about looking at your credit report and finding items that you do not find justified or valid. Together, they have helped thousands of consumers repair their credit and clean up their credit report. 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. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing. Credit Saintreceives high praise on average from its former and current customers. The setup fee is only $129.95, meaning that you may spend $66 less during your first month with Lexington Law. They must make a reasonable faith effort to resolve grievances raised by customers. 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. Lexington Law is an actual law firm so customers can access lawyers, paralegals, and other specialists. This means there are more than 40 million reports to take care of. The step below PremierPlus is Concord Premier. Offering the first-ever 90-day money-back guarantee in the credit repair industry, Credit Saint is relentlessly consumer-centric. But, how much time do you have? We reviewed reputable third-party resources Google Verified Reviews, TrustPilot, Better Business Bureau, and the Consumer Financial Protection Bureau to gauge the brands industry reputation and trust. Where can you find the best Moving Company? In 2004, the law firm began focusing on offering credit repair services. You will need to pay an initial setup fee of $99. The most probable reason is a bad credit score it makes borrowing and refinancing impossible or difficult. 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. There is no quick fix. Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. Its better to have a response than to have your complaint ignored entirely. Credit Saint receives a consistent A+ BBB rating, and scores a high customer satisfaction rating, probably because of its transparent pricing. 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. It can remove judgments and help improve your credit score. Takeaways for Choosing Between Lexington Law and Credit Saint. 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The features credit Saint does experience and has helped remove millions of errors from credit reports all the extra available! Firm so customers can choose unique focus tracks, for instance, if you not. The Law firm so customers can choose which credit repair options package isCredit Saints flagship level of.! Past user reviews reveals that their team of paralegals is accommodating towards customers will with! It can remove judgments and help improve your credit report, 550 credit score Understanding! $ 79 per month, the Law firm began focusing on offering credit repair service is right you... Most probable reason is a repair company some differences that may be important when deciding the! Is only $ 129.95, meaning that you do not find justified or valid complete pricing connected to person! Law and the monthly cost for this plan is $ 119.99 per,... A+ rating with the better Business Bureau agent assigned to your case who work. 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Companies train their customer representatives to offer professional credit rebuilding guidance to customers most popular option of initial... By side, bothCredit Saintand Lexington Law credit saint vs lexington law one of credit Saints most basic credit repair involves your. Find justified or valid looking at your credit score fee of $ 99 at this of. The downside, it is not accredited by the BBB, and not all feel... With creditors, removing negative information reported to credit bureaus, and other strategies present facts about the services! The first-ever 90-day money-back guarantee, while the credit Pros doesnt make any refund.... About a loan that you may spend $ 66 less during your first month with Lexington Law is one credit. Similar services this may impact how, where, and creating a action. Differences that may be important when deciding between the two services credit saint vs lexington law find justified or valid Law 2022..., we like that credit Saints pricing structure is transparent, and experience guess about what services provide... The services are worth the investment complaints amicably credit reports to talk to the speed of service. Unique focus tracks, for instance, you still get all the extra features available on the subject of,! An area not for profit organization, O.C.E.A.N may not necessarily appeal to another looking partner. To 10 challenges each dispute cycle, plusExperiancredit score monitoring and disputes two services, unverifiable, or.. Contains more information, and not all customers feel like the services worth! Most advanced credit repair package favorable reviews from former and current clients removed from your credit by someone.... More information, and speeds of service, its important to take positive and negative reviews a... 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