Updated October 16, 2023

Credit Saint vs Lexington Law

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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.

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 Better Business Bureau (BBB)
  • BBB-accredited since 2007

Cons

  • Not available in some states
  • No extra features
  • Highest initial working fee

Who is Credit Saint for?
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.

What Is Lexington Law?

Lexington Law is a law firm that specializes in credit laws and is 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. Lexington Law will alleviate credit damage caused by your medical bills.[2]

Pros

  • Real-time notifications for updates
  • One-time 50% off for your spouse if you sign up together[3]
  • 50% off the first-work fee for veterans and military personnel
  • More extensive credit blog

Cons

  • Charges a late fee for declined payments
  • Most expensive credit repair package on the list
  • Service hours from 7AM to 7PM M-F only
  • Not available in Oregon[4]

Who is Lexington Law for?
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 negative items affecting your credit score.

Both offer the following:

  • Analyze your credit report
  • Verify negative items in the report
  • Create dispute letters to 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 consultation
  • 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 expertise on credit laws
  • Mobile apps for iOS and Android
  • Additional features for Money and Debt Management
  • 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 four distinct credit repair packages.

PackageCredit bureau disputes
per cycle
Creditor disputes or
creditor interventions
CREDIT SAINT
Clean SlateUnlimited
Credit RemodelUp to 10
Credit PolishUp to 5
LEXINGTON LAW
Premier PlusUp to 11Up to 6 per month
Concord PremierUp to 9Up to 3 per month
Concord StandardUp to 9Up to 3 per month
Lexington EssentialsUp to 7Up to 2 per month

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.

However, Lexington Law's most aggressive and expensive package only offers limited challenges to the main credit bureaus.

You get more bang for your buck with Credit Saint's most aggressive package. For Clean Slate's $119.99 per month, you get unlimited disputes from Credit Saint.

Do you know your creditors?
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 your creditors, not all companies offer this service. They may only offer disputes with the main credit bureaus: Experian, Equifax, and TransUnion.

Pricing

Winner: Credit Saint

Credit Saint PackagesCredit Saint Prices
(per month)[6]
Lexington Law PackagesLexington Law Prices (per month)[7]
Clean Slate$119.99Premier Plus$139.95
Credit Remodel$99.99Concord Premier$119.95
Credit Polish$79.99Concord Standard$99.95
Lexington Essentials$59.95

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 a vague pricing structure. It charges an unspecified initial working fee and a one-time fee for pulling your credit report. Moreover, the monthly package cost of Lexington Law does not include taxes and other charges. Expect to pay more in total than what is stated on their cost page.

Lexington Law different pricing
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.[8]

Credit Monitoring

Winner: Credit Saint

Lexington Law charges extra for credit monitoring features. Lex OnTrack ($24.95 per month) and Report Watch ($8.95 per month) allow you to monitor your TransUnion Credit and TransUnion FICO Score.[9]

This is unlike Credit Saint, where score tracker and score analysis are part of the packages. So you can keep track of any ongoing changes in your portal account without extra fees.

Get your weekly report for free
For 2023, 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 dispute on your behalf. Meaning these professionals may use more aggressive methods for disputes and creditor interventions.

In addition, Progrexion owns Lexington Law. And Progrexion is an established leader in credit repair and credit care since the early 1990s. They advocate for consumer credit, integrating credit education, and advanced technologies for credit repair.

What is Progrexion?[10]
Progrexion is a leading company in credit repair that maximizes technology to offer credit services. Lexington Law isn't the only credit repair service owned by Progrexion. It owns other companies, such as CreditRepair.com and credit.com.

Moreover, Progrexion partners with some of the most influential companies, such as LendingTree (acquired Ovation Credit Repair) and the three credit bureaus: Experian, Equifax, 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.

How to qualify for a refund from Credit Saint?[11]
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 all its credit repair packages. But Credit Saint does not 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 coverage of up $1,000,000 for any instance of identity fraud. Just call Lexington Law if there are any unauthorized transactions bringing down your credit.

ID Theft Insurance coverage[12]
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 are not tied to your service or the company. Moreover, you can end your contract any time.

Additional Features

Winner: Lexington Law

Credit Saint's packages are pretty straightforward and do not offer any other features.

Lexington Law is the clear winner in extra features. You can access additional financial tools such as Debt Handler and Personal Finance Manager.

You can keep track of your income, expenses, budget, and real-time transactions with the Lexington Law app.

Accessibility

Winner: Lexington Law

Unfortunately, Credit Saint does not offer any 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.

Lexington Law mobile apps
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 SourceAverage ratingCurrent number of reviews
Google reviews4.8 out of 5 ★8,891 reviews
Better Business Bureau4.02 out of 5 ★100 reviews
Trustpilot 3.6 out of 5 ★104 reviews

Many people comment on Credit Saint's excellent customer service and professionalism.

"…Update: so after a few months of using their services, they did exactly what they said they would do and was able to remove some collections accounts that were only just a year old when they were added to my credit. It took a couple months but they did it and I was able to get an apartment with it, after they helped me…Highly recommend…" — Troy Renteria (5 out of 5 ★)

However, it's not all positive comments and reviews for Credit Saint. There are previous clients who comment about Credit Saint's slow dispute process and expensive services.

"…They will do something only so you don't get your money back! After 90 days nothing will happen so save your money, and if you're interested, just do it for the first three months and cancel!!! I paid for 10 months and they only did something in the first 3 months. After that, nothing changed…" — Kim Helly (1 out of 5 ★)

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 SourceAverage ratingCurrent number of reviews
Google reviews4.2 out of 5 ★4,242 reviews
Better Business Bureau1.2 out of 5 ★326 reviews
Trustpilot2.9 out of 5 ★582 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.

"Highly recommend. I've been with Lexington law for several years now, I believe since 2012…It took two years but with Lexington law and the tools they provide, it made it possible for me to have a good credit score, over 700 on all three, and I was able to purchase my first home! Great company, and their paralegals are knowledgeable and professional." — Tamara Ham (5 out of 5 ★)

Lexington Law has thousands of reviews. So it's only natural that not all clients recommend it as a good credit repair service.

"…Since LL began working on my account, my score went down 50 points due to remarks being added to two accounts I specifically tasked LL to help resolve. I spoke to two of their paralegals and one told me that my score was down because I had derogatory items on my account (despite the fact that they've been there with zero change for over a year) and that I was over my limit on an account (which she then stated was at 76% usage - my overall credit usage is less than 10%)…" (Molly M. 2 out of 5 ★)

Overall, the company claims that 89% of their clients saw an improvement in their scores, and that they saw an increase of 40 points on average. And just last 2020, Lexington Law removed over 7 million negative items for their clients.

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!

Credit repair scams
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 dispute 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

  1. ^ Lexington Law. Focus Tracks, Retrieved 9/18/23
  2. ^ Lexington Law. Medical Track, Retrieved 9/18/23
  3. ^ Lexington Law. Does Lexington Law offer a family or household discount?, Retrieved 9/18/23
  4. ^ Lexington Law. Location Directory, Retrieved 07/05/2023
  5. ^ Lexington Law. Focus Tracks, Retrieved 07/05/2023
  6. ^ Credit Saint. Packages, Retrieved 7/29/2023
  7. ^ Lexington Law. How much does Lexington Law cost? : Credit Repair, Retrieved 7/29/2023
  8. ^ Lexington Law. Maryland, Retrieved 9/18/23
  9. ^ Lexington Law. How much does Lexington Law cost? : Monitoring, Retrieved 7/29/2023
  10. ^ Progrexion, Retrieved 9/18/23
  11. ^ Credit Saint. 90 Day Money Back Guarantee, Retrieved 9/18/23
  12. ^ Lexington Law. ID protection offering, Retrieved 9/18/23

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Most Aggressive Credit Repair Companies

Most Aggressive Credit Repair Companies

A bad credit score can mean expensive fees. But the most aggressive credit repair companies can help with that. Read on for your options.

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