Lexington Law vs Credit Saint: Who's Better?
Credit Saint and Lexington Law are both well-known credit repair companies that may be able to help you get your credit back on track. We break down the benefits and possible drawbacks of both services, so you can choose which credit repair service is right for you.
Credit Saint - The Winner
While both credit repair companies have good reputations and similar pricing, Credit Saint edges out Lexington Law in our review. Based on our analysis of both companies' customer ratings, pricing, educational resources, and speed of service, we think Credit Saint comes out on top.
On the other hand, if you're thinking about hiring a credit repair company, you should review all your options so you can be confident you're making the best choice for your unique situation. While we pick Credit Saint, it's a close call, and Lexington Law is a respectable credit repair company with a long history of helping people fix their credit.
In business since 2004, Credit Saint has been helping people repair their credit for nearly two decades, making it one of the oldest credit repair companies in the industry. If you're undecided about credit repair, Credit Saint offers a complimentary consultation, so you can ask questions and get more information about their services.
Credit Saint also offers a no-strings 90-day money-back guarantee. You can also cancel the service at any time without incurring any penalties or fees.
Credit Saint receives high praise on average from its former and current customers. It also enjoys an A rating from the Better Business Bureau (BBB) and it's one of a handful of credit repair companies accredited by the BBB.
Overall, online reviewers have positive things to say about Credit Saint. The company has a 4.4-star average rating across more than 1,100 Google reviews, with the majority of reviewers praising the company's responsiveness, professionalism, and results.
Credit Repair Packages
Credit Saint has three tiers of services, with pricing that ranges from $79.99 per month to $119.99 per month. All three credit repair packages come with a 90-day money-back guarantee, and you can cancel any time without penalty.
- Credit Polish - At $79.99 per month, the Credit Polish package is the least expensive credit repair package Credit Saint offers. There is a one-time $99 enrollment fee, and you'll receive up to five challenges every dispute cycle with this package. This level of service includes challenges with all three credit bureaus, but you won't get disputes for any judgments, bankruptcies, or repossessions. If you have items like that on your credit report, you may need to upgrade to a higher service level.
- Credit Remodel - At $99.99 per month, the Credit Remodel package is Credit Saint's mid-tier service level. There is a one-time $99 sign up fee, and then you pay $99.99 each month you're enrolled in the service. At this level of service, you get up to 10 challenges each dispute cycle, plus Experian credit score monitoring and disputes for bankruptcies and repossessions.
- Clean Slate - At $119.99 per month, the Clean Slate package is Credit Saint's flagship level of service. There is a one-time $195 sign up fee, and then you'll pay $119.99 every month you're enrolled. At this level, Credit Saint offers unlimited disputes each dispute cycle, plus all the features included in the Credit Polish and Credit Remodel packages.
Credit Saint aims to help people repair their credit and then maintain a good credit score over time. The company has a well-developed blog that offers up to date information about credit repair and good credit habits.
When you sign up for a Credit Saint account, you also get access to a customer dashboard. From here, you can get status updates, progress reports, and other information about your account and your credit.
Speed of Service
Each person's financial situation is unique, so it's difficult to say how long credit repair will take. Credit Saint gets to work right away on your account, so it's possible to see positive results within a month or so depending on your situation and the number of negative items on your credit report.
Unlike most credit repair companies, Lexington Law is both a credit repair company and an actual law firm. The firm began focusing on credit repair in 2004, although the law firm was formed several years before that, making Lexington Law one of the oldest credit repair companies in the business.
Lexington Law also offers its own smartphone app, which available for both Apple and Android devices. This makes it easy to monitor your account and the credit repair process on the go.
Because it's a real law firm, Lexington Law is different than most other credit repair companies. When you sign up for an account, you'll work with credit repair specialists, paralegals, and lawyers.
This can offer a great deal of peace of mind when you're worried about getting your credit score back on track. According to Lexington Law's website, it helped people remove 10 million negative items from credit reports in 2017 alone.
In addition to credit repair services, the company also provides credit monitoring, educational resources, and a credit app so you can monitor your account progress from your phone.
If you're interested in Lexington Law's services, you should be aware of pending litigation involving the company. The Consumer Financial Protection Bureau (CFPB), which is the federal agency that handles oversight of the credit repair industry, filed a lawsuit against 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.
According to the CFPB, this behavior was unlawful, as federal statutes prohibit credit repair companies from taking any money from customers until the company has done work on the customer's behalf.
It's important to note that Lexington Law disputes the CFPB's allegations and has filed a motion to dismiss the lawsuit. If you're shopping around for credit repair services, it's something to consider as you compare companies.
Because Lexington Law has its own smartphone app, the company has quite a bit more reviews compared to its competitors. In the Google Play store alone, Lexington Law has an average 4.5-star rating out of more than 18,000 reviews.
Unlike Credit Saint, however, Lexington Law is not accredited by the BBB. According to the company's BBB profile, it has a C rating, and the company receives just 2 out of 5 stars across 300+ customer reviews.
However, Lexington Law appears to respond to each poor review and customer complaint on the BBB site, so this shows the company is aware of complaints and takes them seriously. If you're considering a credit repair service, it's important to take positive and negative reviews as a whole before you make a decision.
Credit Repair Packages
Lexington Law offers three different levels of credit repair services ranging from $89.95 per month to $129.95 per month. This is comparable to other credit repair services, and we like that Lexington Law offers a range of service levels designed to accommodate all budgets.
On the downsides, Lexington Law also charges a "first work fee." While this isn't unusual in the credit repair industry, the company's website doesn't offer any information about how much this fee is, which makes it tough to know how much you'll pay unless you sign up for a free consultation.
- Concord Standard - At $89.95 per month, the Concord Standard is Lexington Law's lowest priced option. For this amount, you'll get creditor interventions and negative item disputes.
- 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.
- Premier Plus - At $129.95 per month, the Premier Plus plan is the most expensive plan Lexington Law offers. At this level, you get everything in the lower two tiers plus cease and desist letters, FICO score tracking, identity theft protection, and personal finance management tools.
If you're looking for straightforward credit repair without a lot of frills and extras, you can probably accomplish your goals with the Concord Standard plan. For most people, disputing negative items is the main goal of credit repair, and this is what you get with the Concord Standard level of service.
Lexington Law's credit help section of its website offers a robust number of educational resources to help you understand how credit scores work and what steps you can take to improve and maintain your score.
Speed of Service
As with any credit repair service, the length of time required to see movement in your score depends on your unique situation. That said, Lexington Law's 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.
Lexington Law vs. Credit Saint
Compared side by side, both Credit Saint and Lexington Law have comparable pricing, service levels, and speeds of service. The companies also have good reviews on average, but Lexington Law's regulatory troubles and less than stellar BBB profile stop it from taking top marks in our review.
While Lexington Law receives an impressive number of positive reviews for its app, the company's C rating on the BBB site and lack of accreditation are something to keep in mind. On the other hand, the company appears to address each negative review, which is a positive sign.
Both Credit Saint and Lexington Law offer three pricing levels with comparable costs at each level of service. Credit Saint is more transparent about its enrollment fees, whereas Lexington Law makes it difficult to know exactly how much you'll pay for a "first work fee" when you sign up for services.
Both companies are careful to note that it's hard to know how long it will take to see results with their services, and Lexington Law correctly states that it's illegal for any credit repair company to guarantee results.
We're impressed with Lexington Law's stats that 70 percent of its customers saw a 40-point increase of their credit score within six months of credit repair services. Credit Saint may have similar results, but it doesn't state them anywhere on its website, so it's hard to know if their service yields similar results.
Previous Customer Experiences
Despite its ongoing regulatory troubles, Lexington Law gets overall positive reviews from past and current customers. Because it offers its own app, the company boasts an impressive number of reviews in both the Apple and Google Play app stores.
Elsewhere, both companies get generally favorable reviews from former and current clients. Before making a decision about a credit repair service, it's a good idea to read through the positive and negative reviews so you can get a feel for the pros and cons of each service.
Lexington Law vs. Credit Saint FAQs
The following are some of the most frequently asked questions and answers regarding Lexington Law versus Credit Saint.
Which Is Better: Credit Saint or Lexington Law?
It's tough to state which credit repair service is better, because what appeals to one person may not necessarily appeal to another. Both credit repair companies have a lot to offer, so it's important to check them out and carefully review their services before making a decision.
Is Credit Saint Any Good?
Credit Saint is a well-known credit repair company with years of experience helping people repair their credit and maintain a healthy score. The company is an excellent option if you're serious about fixing your credit.
Does Lexington Law Help with Credit?
Lexington Law may be able to help you repair your credit, but keep in mind that federal law prohibits any credit repair company from guaranteeding specific results. However, Lexington Law says that 70 percent of its customers saw a 40-point improvement in their credit score after six months of using the service.
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. Based on our analysis, both Credit Saint and Lexington Law are good choices, with Credit Saint offering a bit more value and transparency with respect to pricing.
About the Author
Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in CNBC, Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.