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Choosing a credit repair company can be confusing. You may want to compare Credit Saint vs. Lexington Law, two of the most well-known companies before picking one.
In the following comparison guide of these two companies, we take an in-depth look at everything from pricing comparisons, to ratings and reviews, results and more.
The competition is fierce! Both firms have extensive experience helping clients get unfavorable information removed from their credit reports. But, they are both considered some of the best credit repair companies out there.
Think about what you need, what you can afford, and what the most important features to have are for you before choosing one.
Credit Saint vs. Lexington Law
Both Credit Saint and Lexington Law are good options if you need a reputable credit repair service.
You can get your credit score up and maybe even into the good range if you get an item removed from your report that has been recorded incorrectly by one of these companies.
Nowadays, there are a plethora of credit repair companies to choose from, and many of them will be able to meet your needs.
We’ll focus specifically however on Credit Saint and Lexington Law and compare the two in this post.
If you would like to see an in-depth review of Lexington Law, click here.
First, we’ll look at the prices offered by each firm:
Cost Comparison of Lexington Law Vs. Credit Saint
Lexington Law and Credit Saint both charge their clients monthly for credit repair. Customers can select only the services they require and can cancel at any time.
Lexington Law Credit Repair Packages and Pricing
Lexington Law firm has different service tiers. The services included in each credit repair package vary. They also like many companies, charge a one-time set up fee. This fee depends on which pricing package you choose but ranges from $89.95-$119.95.
The Concord Standard plan costs $99.85 per month and includes a set amount of credit bureau disputes and credit intervention requests. If you have a few minor errors on your credit report that need to be corrected, this service may be all you need.
You can get the intermediate level of service from Concord Premier for $119.95 per month.
The Concord Standard package is included, along with credit score analysis, TransUnion credit report notifications, ReportWatch, and InquiryAssist to delete earlier queries from your credit history.
Lexington Law’s premier service, Premier Plus, is available for a monthly fee of $139.95. The Premier Plus bundle contains everything in the Concord Standard and Concord Premier plans.
But, in addition, it includes unlimited stop and desist letters, a FICO Score tracker, identity theft prevention resources, and personal finance tools.
Credit Saint Credit Repair Pricing and Packages
Credit Saint also provides a tiered service structure, allowing customers to pick the level of support they require.
Credit repair services offered by this company are similar to those offered by their competitors in that they both focus on doing everything possible to raise the client’s credit score.
For a monthly price of $79.99 plus a one-time fee of $99, Credit Saint will dispute up to five incorrect items with each major credit bureau.
You’ll also have access to a credit score analysis, creditor interventions (up to a certain number), and a credit score monitor.
You can get everything from the Credit Polish package, plus inquiry targeting and Experian credit monitoring, for $99 per month plus a $99 setup cost. With this plan, you can challenge up to 10 falsely reported items per dispute cycle.
You may dispute as many items as you like with each of the three major credit bureaus and get everything in the Credit Polish and Credit Removal packages for just $119.99 per month (plus a one-time fee of $195; ouch).
Both Credit Saint and Lexington Law charge one-time set up fees to start the program. But, Credit Saint wins on pricing since the monthly cost is less than Lexington Law.
Credit Saint guarantees your money back if it is unable to improve your credit score during the first 90 days. However, this refund is only available if no changes were made to your credit report within the first 90 days of your subscription.
Pricing winner: Credit Saint
Credit Saint Vs. Lexington Law Services
Credit Saint and Lexington Law are based on the same principle of helping people spot and challenge incorrect information that appears on their credit reports.
Deleting or correcting accounts reported to each credit bureau by disputing inaccurate entries can improve your credit score and report.
Here are some items both companies will correct:
- Using the incorrect name, address, or Social Security number.
- The wrong loan and credit card balances listed.
- The erasing of outdated inquiries from your credit report.
- Rejected bankruptcies and defunct collection accounts.
- Fraudulent accounts opened under your credit by someone else
Credit repair companies like Credit Saint or Lexington Law, will write a dispute letter challenging any unfavorable information that has been incorrectly shown on your credit report. This is how they get these items removed, and help to raise your credit score.
Credit Saint and Lexington Law will also assist with drafting cease and desist letters to creditors who have reported erroneous information after being notified of the dispute.
In addition, you might be eligible for goodwill letter support, which, in exchange for debt recovery, could help you get accurately reported late payments taken off your record. While this tactic is not guaranteed to work, it can really help improve your credit if it works.
Overall, both companies provide the same credit repair services.
Both companies offer customer support with a phone call. One difference however, is that Lexington Law does have actual lawyers and paralegals on staff to help you.
Lexington Law assigns a paralegal or credit lawyer that has received the necessary training, certification, and accreditation to work in the credit repair field to your case.
This is especially helpful if you need to grab a creditor’s attention who might be reluctant to react to a dispute letter. To creditors, a letter from an attorney carries slightly more weight than one from some unknown, little credit repair firm.
Note that Georgia, Kansas, Louisiana, Ohio, Oregon, Minnesota, Mississippi, Missouri, and South Carolina are not able to access Credit Saint’s services.
So, if you live in one of these states, obviously Lexington Law Firm is the better option.
In general, the services you will receive from both companies is pretty much the same, however Credit Saint has a little better reputation overall, so they may be the winner in this category as well.
Services winner: Unclear/Tie
Credit Saint Vs. Lexington Law REviews
Who has better reviews, Lexington Law or Credit Saint?
Reviews are important, and great gauge on the efficacy and respectability of a company. Both Credit Saint and Lexington Law have positive customer reviews online. But, of course, there are also some bad reviews.
Trustpilot shows an overall rating of 4.1 for Credit Saint.
For Lexington Law, they show a rating of 3.3 which is substantially less.
In addition, there is a big different in the BBB ratings of Credit Saint vs. Lexington Law. Credit Saint has an A+ rating, which is an amazing sign of a good, trustworthy company.
In contrast, Lexington Law’s BBB rating is only a C.
Review winner: Credit Saint
Credit Repair Results of LExington Law Vs. Credit Saint
Repairing credit can vary from customer to customer.
Although identity theft can affect everybody, some victims may have many more items to dispute than others.
The time and effort required to handle each of these cases varies widely so figuring out which company has the best results is pretty difficult to nail down.
Lexington Law does state that “Statistically, 70% of Lexington Law customers who had a credit score increase had an average gain of 40 points in six months.” A 40 point score gain is a very positive result!
And Credit Saint backs up there guarantee with a 90 day refund if no negative items are remove from your report. So, essentially, they are guaranteeing they will get inaccurate, negative items removed from your report.
There is however no real guarantee that either credit repair service will immediately improve your credit score.
About once every 30 to 45 days, creditors are required by law to update consumer credit reports, which include credit ratings. This means that the impact on your credit score may not show up for up to two months.
So, when it comes to credit repair results, comparing Credit Saint vs. Lexington Law on results is hard to pin down.
Results winner: Unclear
Is Credit Saint or Lexington Law Cheaper?
Credit Saint is cheaper than Lexington Law. Their monthly price is quite a bit less, so if you are looking for the most affordable option you should choose Credit Saint.
Who Is a Better Credit Repair Company, Credit Saint or Lexington Law?
Both Credit Saint and Lexington Law are established, reputable credit repair companies and can help improve your credit.
Credit Saint promotes its service’s 90-day money-back guarantee as a key differentiation from competitors.
Lexington Law has the advantage of providing you with paralegals and qualified credit lawyers familiar with the intricacies of credit repair and restoration.
Since Lexington Law has actual lawyers on staff, it may be why they cost a little more.
Both companies have positive online customer reviews. However, Credit Saint has an A+ rating with the Better Business Bureau, much higher than Lexington Law’s C Rating.
In addition, Lexington Law does currently have a lawsuit against them from the Bureau for Consumer Financial Protection (CFPB.) The lawsuit is specifically about their marketing practices though, not about any fraud or illegal activities related to the actual credit repair.
Overall, considering price, BBB ratings, overall reputation, and value, Credit Saint edges out Lexington Law as best overall credit repair company.
Overall winner: Credit Saint
How Does Credit Repair Work?
In most cases, fixing your credit will take you roughly six months. The process is that negative, inaccurate items are removed from your credit report. You can see the general scoring impact in the image above.
Your credit repair company will take this time to dispute any incorrect information on your credit reports with all three main bureaus.
Keep this in mind, as disputing accurate things on a credit report is against the law for credit repair companies.
Thus, if you were indeed late on your credit card payment, you have no recourse against the resultant negative record on your credit report. Credit rehabilitation also includes:
- Writing goodwill letters appealing for the removal of your legitimate, negative items that aren’t wanted anymore. While it doesn’t always work, there is still a chance of success.
- Making it possible to keep tabs on your FICO rating as well as your scores from other reporting bureaus using credit monitoring services.
- Protection against identity theft services.
In addition, creditors may be persuaded to stop posting negative information on your credit record when an intervention is filed on your behalf.
Depending on the company, you may have to pay more or be upgraded to a higher tier of service for certain credit repair services. The more you pay, the more features you may get and the more aggressive the credit repair
To be sure your monthly cost covers everything, double-check with the company you’re considering to see what is and isn’t included.
And, to learn a lot in general about credit reporting and your credit, check out the Consumer Financial Protection Bureau.
If you are just looking for a way to boost your credit score, you can also purchase a tradeline. This adds the credit history of an old and positive account to yours, thereby increasing your positive credit.
Tradeline Supply Company sells these. You can purchase a tradeline and help your credit score as well as your report without enlisting a credit repair company.
How Long Does It Take to Repair Your Credit?
The length of time it will take to fix your credit will vary based on how complicated your case is and how many negative items there are to remove.
Results may be available in as little as 30 to 45 days if you only have a few items to dispute. Complex situations can take up to six months or more. Because each credit bureau must look into each matter individually.
Each of these probes could take up to a month to finish. You may have to wait several months for all of your disputes to be lodged if your credit repair firm has a cap on the number of disputes it will submit on your behalf.
On average, most credit repair companies state that it takes about 6 months to repair your credit.
However, how long it takes to repair your credit may be shorter or longer.
What is the Cost of Credit Repair?
If you are not committed to a contract with a specific credit repair company, your monthly charge may fluctuate at any time.
You can subscribe to Lexington Law for $99.95 a month or $139.95 a month. Credit Saint’s monthly subscription fees range from $79.99 to $119.99. And, both companies charge an additional one-time setup fee depending on which monthly plan you choose.
So, basically the cost of credit repair depends on which company you choose, but also on how long it takes to repair your individual credit.
It may take only 3 months for your’s vs. 6 months for another customer.
IS Credit Repair Guaranteed to work?
When it comes to your credit history, no credit repair service can make a complete turnaround.
Repairing your credit involves removing negative information that has been recorded wrongly. You can’t get legitimate stuff removed unless you or your credit repair company negotiates that with the creditor.
So, if you are just trying to get negative items removed that actually did happen, like late payments, or defaulted loans, then it is not going to work!
However, credit repair can clean up your credit report and increase your credit score if you are getting inaccurate items removed.
Credit Saint vs. Lexington Law: Which One is Better?
While we favor Credit Saint vs. Lexington Law in this contest, we believe that both are reputable credit repair businesses. They both offer years of expertise assisting clients in removing mistakenly recorded bad items from their credit reports.
It only takes a glance at a Credit Saint review or a Lexington Law review to see that there are far more positive comments than bad ones.
Each service is reliable and can help you improve your credit score, but which one is best for you will vary.
Lexington Law may be able to assist you with more complex issues on your credit report however by providing paralegal services and legal counsel.
However, Credit Saint is more affordable and has a better BBB review.
If you’re confident in your abilities, you might also try repairing your credit on your own.
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