Credit Saint vs Lexington Law
Credit Saint and Lexington Law are two of the most popular credit repair companies. Weigh out which is better for you in this article. Read on.
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Credit Saint and Lexington Law are two of the most reputable credit repair companies. But opting for either can be a big expense. So how do you know which is better?
Which option can give the most bang for your buck?
Well, we did the digging for you.
Get to know their similarities, differences, and edge over the other. You'll find out what's more suitable for your needs at the end of this article.
What Is Credit Saint?
Credit Saint is a credit repair company with trained credit counselors based in New Jersey. That means experienced professionals will dispute the derogatory items on your credit report for you. Their services include credit monitoring so you can keep an eye on these activities.
Pros
- No first work fee when you add one family member
- A+ rating from BBB
- BBB-accredited since 2007
- Find out more
Cons
- Not available in some states
- No extra features
- Highest initial working fee
Credit Saint is for you if you need that extra protection for your payment. The company offers a 90-Day Money-back Guarantee. Meaning, you can request a refund if Credit Saint fails to remove negative items within 90 days.
Credit Saint isn't available in the following states:
- South Carolina
- Kansas
- Oregon
- Maine
- District of Columbia
What Is Lexington Law?
Lexington Law is a law firm that specializes in credit repair laws, including state-specific laws. It's deemed an industry leader in credit repair. The company's main offices are in Utah and Arizona.
Unlike Credit Saint, Lexington Law offers a more tailored solution to your credit score. It offers Focus Tracks for when you've been affected by specific uncontrollable events.[1]
For example, say you want to focus on repairing your credit from health-related debt. Lexington Law's Medical Focus Track will be a better fit for your needs.[2]
Pros
- Real-time notifications for updates
- One-time 50% off for your spouse if you sign up together[3]
- 50% off the first payment for veterans and military personnel
- More extensive credit blog
- Find out more
Cons
- Charges a late fee for declined payments
- Most expensive credit repair package on the list
- Service hours from 7AM to 4PM M-F only
- Not available in Oregon[4]
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Lexington Law offers 6 focus tracks. It can be a good option if you've been affected by medical bills, identity theft, national emergency, divorce, student loans, and military service.[5]
Here's a side-by-side comparison with Credit Saint.
Credit Saint And Lexington Law Similarities
Credit Saint and Lexington Law help review your credit report and challenge inaccurate negative items affecting your credit score.
Both offer the following:
- Analyze your credit report
- Verify negative items in the report
- Challenge credit bureaus
- Dispute with creditors directly for your negative items
- Inquiry assists for hard credit checks from lenders
- Apps for tracking your service
- Credit monitoring
- Cancel anytime without charges
- Selected discounts and promotions
- Free initial assessment
- Educational credit repair blogs
But there are perks of one over the other. Let's go over them.
Credit Saint And Lexington Law Differences
Below are some ways that Credit Saint and Lexington Law differ.
Credit Saint offers:
- 90-Day Money-back Guarantee
- Unlimited disputes to credit bureaus
- A client portal (access by browser only)
- Free credit report pull without impact on your credit score
Lexington Law offers:
- Licensed lawyers and paralegals with knowledge pertaining to credit laws
- Mobile apps for iOS and Android
- Monthly FICO scores
- ID Theft Insurance
Now that you know the difference, how do you know which to actually go for?
Credit Saint vs. Lexington Law: Which Is Better?
Credit Saint and Lexington Law offer the same thing: To help you improve your credit. Find out which company performs better for each category.
Credit repair services
Winner: Credit Saint
Credit Saint offers three credit repair packages, while Lexington Law offers only one premium package.
| Package | Credit bureau disputes per cycle | Creditor disputes or creditor interventions |
|---|---|---|
| CREDIT SAINT | ||
| Clean Slate | Unlimited | ✔ |
| Credit Remodel | ✔ | — |
| Credit Polish | ✔ | — |
| LEXINGTON LAW | ||
| Premium | ✔ | ✔ |
Both companies challenge credit bureaus by sending letters to dispute negative items. They will also challenge your creditors directly for accounts that impact your credit.
While Lexington Law's premium package doesn't specify the number of challenges to the main credit bureaus, you get more bang for your buck with Credit Saint's most aggressive service.
For Clean Slate's $139.99 per month, you get unlimited disputes from Credit Saint.
Credit bureaus have 30–50 days to investigate your dispute letter and inform you of the results.[6] Most credit repair companies, including Credit Saint and Lexington Law, will typically follow that timeline for each dispute.
However, results will vary for each person and keep in mind the following:
- Credit Saint offers a money-back guarantee. If no questionable items are removed from your credit reports within 90 days of service, you are entitled to a full refund.
- Lexington Law doesn't have a service guarantee, but "...77 percent of past Lexington Law Firm clients saw their score improve seeing an average 40-point increase over 6 months."[7]
Pricing
Winner: Credit Saint
| Credit Saint Packages | Credit Saint Prices [8] | Lexington Law Package | Lexington Law Price[9] |
|---|---|---|---|
| Clean Slate | $139.99/month | Premium | $139.95/month |
| Credit Remodel | $109.99/month | ||
| Credit Polish | $79.99/month |
Both Credit Saint and Lexington Law have other charges apart from the monthly costs. Credit Saint's Clean Slate has a staggering initial working fee of $195.00, while Credit Remodel and Credit Polish have an initial work fee of $99.00.
Credit Saint has expensive initial working fees. Nevertheless, it is far better than Lexington Law in terms of pricing.
Lexington Law has one credit repair service level with pricing at $139.95/month. However, they don't specify the first payment and charge fees for late payments.
Lexington Law charges Maryland clients differently. If you are from Maryland, it's best to contact Lexington Law to know exactly how much your service will be.[10]
Credit Monitoring
Winner: Tie
Both companies offer credit monitoring features as part of their package. Lexington Law provides 24/7 access to credit score analyses and credit counseling solutions. Similarly, Credit Saint provides a score tracker and score analysis, enabling you to monitor ongoing changes in your portal account.
For 2024, you can get a free credit report every week from Equifax, Experian, and TransUnion. Request your weekly credit report at AnnualCreditReport.com.
Years in the business
Winner: Lexington Law
Both Lexington Law and Credit Saint have been in the business since 2004. However, Lexington Law has a wealth of experience in credit repair. A team of lawyers and paralegals challenge on your behalf. Meaning these professionals may use more aggressive methods for challenges and creditor interventions.
Creditors are other financial agencies you owe money to, such as:
- Lenders
- Banks
- Credit Unions
- Credit card issuers
- Phone companies
- Utility companies
- Collection agencies
While many credit repair companies can correspond and intervene with your creditors, not all companies offer this service. They may only offer disputes with the main credit bureaus: Experian, Equifax, and TransUnion.
Money-back Guarantee and Refund Policy
Winner: Credit Saint
Credit Saint offers a 90-Day Money-back Guarantee, allowing you to refund your payment, following certain terms and conditions. You have the option to get your money back if Credit Saint doesn't deliver work based on your initial agreement.
Unfortunately, Lexington Law has no money-back guarantee or refund policy. This means you can't file for any refund or payment returns if you feel unsatisfied with your credit repair service.
You only qualify for a refund following certain terms and conditions:
- You are only eligible for a refund 90 days after the start of your service.
- Credit Saint was not able to remove erroneous items w/in 90 days.
- You didn't cancel within 90 days of start of service.
- You've paid for your chosen package on time.
- You didn't add any new derogatory tradelines that could impact your credit.
- You've complied with proof of identification requirements by Credit Saint within 5 days start of service.
If you've done your part and worked actively with Credit Saint in restoring your credit, you are eligible for a refund. You need to give Credit Saint 30 days to process the request after they review and audit your current credit report.
ID Theft Insurance
Winner: Lexington Law
Lexington Law offers ID Theft Insurance for its credit repair package. But Credit Saint doesn't offer protection for cases of identity theft that can compromise your credit.
That said, you can feel more secure with Lexington Law. You can get up to $1,000,000 coverage Identity Theft Insurance. Just call Lexington Law for any unauthorized and suspicious transactions affecting your credit.
ID Theft Insurance protects you from instances of identity fraud. Although the insurance only covers specific cases, such as:
- Fees for identity restoration service and recovery
- Legal fees for court hearings and attorneys
- Costs for ID card and document replacements
- Credit monitoring costs for fraud alerts and notifications
- Fees to cover fraudulent activities with your lenders and banks, or other listed creditors
Contract Cancellation
Winner: Tie
Both companies allow you to cancel your service contract at any time without extra charges. You're not tied to your service or the company. Plus, you can end your contract any time.
Additional Features
Winner: Lexington Law
Credit Saint's packages are pretty straightforward and don't offer any other features.
Lexington Law is the clear winner in extra features. You can access additional financial tools accessible in their mobile apps.
Accessibility
Winner: Lexington Law
Unfortunately, Credit Saint doesn't have mobile apps. You need to log in to your Credit Saint account via browser if you want to know the progress on your cases and disputed items.
Meanwhile, Lexington Law offers mobile apps. And you can access your account via browser by logging in to their client portal.
Download Lexington Law's iOS and Android on your smartphone to know updates on your service.
Well, the best way to market a business is by word-of-mouth. So here are some testimonials from their own clients.
Credit Saint Customer Reviews
Credit Saint has gained a lot of reviews and feedback over the years. Thousands of previous clients have left feedback about the company in multiple sites and platforms.
| Ratings Source | Average rating | Current number of reviews |
|---|---|---|
| Google reviews | 4.8 out of 5 ★ | 13,698 reviews |
| Better Business Bureau | 4.26 out of 5 ★ | 126 reviews |
| Trustpilot | 4.6 out of 5 ★ | 560 reviews |
Overall, Credit Saint has been trusted by over 200,000 people nationwide. The 90-day money-back guarantee can even provide you an assurance. It shows that they're confident they can bring good results to improve your credit.
Lexington Law Customer Reviews
You can see what people say about the company on Lexington Law Reviews. But to ensure you're viewing unbiased feedback, you can check out what people say on other review sites, too.
| Ratings Source | Average rating | Current number of reviews |
|---|---|---|
| Google reviews | 4.2 out of 5 ★ | 4,226 reviews |
| Trustpilot | 2.2 out of 5 ★ | 596 reviews |
The company has gained hundreds of thousands of reviews over the years. You can read many of them on the mobile app pages and Lexington Law's social media accounts.
On average over the past 5 years, 340,000 active clients chose Lexington Law Firm to work on their credit repair. Since 2004, Lexington Law Firm clients have seen over 83 million items removed from their credit reports.
Can Credit Saint And Lexington Law Increase Your Credit Score?
No, neither Credit Saint nor Lexington Law can assure you that your credit score will increase. These companies can only review your report and challenge inaccurate items on your behalf. It's not a guarantee that there will be immediate changes to your credit.
Credit repair can last six months to one year, and dispute cycles often last 30 to 45 days. Credit changes depend on how fast or slow credit bureaus handle your dispute.
Note that only you can improve your credit score gradually. You can do this by paying off your debt, keeping active tradelines with moderate utilization, and making your payments on time. Nobody else can influence positive activities that gradually improve your credit more than you!
Be wary of credit repair scams that offer quick and easy guarantees for improving your credit. These companies may ask for an upfront fee in exchange of promises to increase your credit score. You can read about Consumer Financial Protection Bureau's advisory on credit repair services to learn more.
Well, what if you realize that neither of them can really help you out? There are other options.
Credit Saint And Lexington Law Alternatives
If you are looking for solutions that fit your needs better, consider the alternatives below.
- Sky Blue Credit
Sky Blue Credit is the grandparent of all credit repair companies. The company dates back to 1989 and continues to dominate the credit repair industry.Sky Blue Credit's specialty is in mortgage preparation. If you're looking to refinance your mortgage or qualify for better housing loan, Sky Blue Credit may be a better fit.
- Credit repair apps
Credit repair companies can leave hefty charges. You can opt for credit repair apps instead.The only downside is you may end up choosing an app without real human professionals helping you. There will be no lawyers or credit counselors you can consult when there are unexpected impacts to your report.
Bottom Line: Which Company Is Better?
Credit Saint and Lexington Law are highly reputable companies. You're more certain that you're getting real service from experienced professionals.
Choose Credit Saint if you value guarantee. You have the assurance that Credit Saint actually works on your credit, given they have a 90-day window before you are entitled to a refund.
But if you value specialized credit repair solutions more? Then you can choose Lexington Law. The lawyers and paralegals in Lexington Law may know more aggressive techniques to challenge highly specific cases.
If you're still on the fence about these two, you can check out other aggressive credit repair companies. Credit Saint and Lexington Law are only some of them, after all.
References
- ^ Lexington Law. Focus Tracks, Retrieved 12/21/2024
- ^ Lexington Law. Medical Track, Retrieved 12/21/2024
- ^ Lexington Law. Does Lexington Law offer a family or household discount?, Retrieved 12/21/2024
- ^ Lexington Law. Location Directory, Retrieved 12/21/2024
- ^ Lexington Law. Focus Tracks, Retrieved 12/21/2024
- ^ CFPB. Disputing errors on your credit reports, Retrieved 12/6/2024
- ^ Lexington Law. FAQ: How long does Lexington Law take to work?, Retrieved 12/6/2024
- ^ Credit Saint. Packages, Retrieved 12/21/2024
- ^ Lexington Law. How much does Lexington Law cost? : Credit Repair, Retrieved 05/30/2024
- ^ Lexington Law. Maryland, Retrieved 12/21/2024
- ^ Credit Saint. 90 Day Money Back Guarantee, Retrieved 12/21/2024
- ^ Lexington Law. ID protection offering, Retrieved 12/21/2024
Write to Alex Mambaje at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
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