Credit Saint vs Lexington Law: Which One is Better?

Written by Kim PinnelliUpdated: 30th Mar 2022
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Both Credit Saint and Lexington Law are two of the best credit repair companiesin the United States. Together, they have helped thousands of consumers repair their credit and clean up their credit report.

In a crowded market, it is hard for consumers to choose a credit repair company. Keep reading our Credit Saint vs. Lexington Law smackdown to find out which company is better and how they differentiate.

Credit Saint vs. Lexington Law

Features:Credit Saint (Our Top Choice)Lexington Law
First Work Fee: $99.00$99.95
Monthly Fee: $79.99$99.95
BBB Rating: AC-
Credit Monitoring:Yes (Select Packages)Yes (Select Packages)
Money-Back Guarantee:90-DaysNot Offered
Year Founded:20072004
Consumer Trust Value:10/105/10

**The trust value is based on our independent research. 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.

About Credit Saint

Founded in 2007 by industry leader Ross LaPietra, Credit Saint is a clear leader when it comes to credit repair.

Offering the first-ever 90-day money-back guarantee in the credit repair industry, Credit Saint is relentlessly consumer-centric. They are trailblazers, innovators, and above all, credit experts.

Credit Saint or Lexington Law

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.

Each year, Credit Saint continues to maintain its coveted A+ rating with the Better Business Bureau. This alone warrants praise, especially in an industry that has been crippled by bad actors and fraudulent companies.

Moreover, this firm is applauded by previous customers who highlight Credit Saint’s transparent operation and commitment to results.

>> More: Credit Saint Review

About Lexington Law

Founded in 1991, Lexington Law is the oldest credit repair firm in the United States. As they tout, Lexington Law has removed more than 10 million negative items from consumer reports.

Lexington Law takes a personalized approach to credit repair. They recognize that each consumer brings a unique situation, which is why Lexington Law offers tailored services to meet your credit needs.

Is Lexington Law or Credit Saint Better?

Customers can expect a robust experience when working with Lexington Law. They will help you dispute errors on your credit report,remove late payments, and more. This team of legal professionals is known for solving the most complex credit problems.

However, there are a few things consumers should know. Lexington Law is not accredited by the Better Business Bureau. And in 2019, the Consumer Financial Protection Bureau (CFPB) filed a class-action lawsuitagainst the firm for abusive and deceptive marketing tactics.

With that said, Lexington Law is still a noteworthy credit repair firm, but it is best to shop around and see what other options are available.

>> More:Lexington Law Review

Lexington Law vs. Credit Saint: Credit Repair Packages and Price

Both Lexington Law and Credit Saint offer robust credit repair packages. Choose which one will help you the most.

Credit Saint Packages:

Credit Saint offers three straight forward packages that are affordable and easy-to-understand: Clean Slate (most popular), Credit Remodel, and Credit Polish. Let’s review the details of each package.

Clean Slate

  • Price: $119.00/Month (One-time $99.00 first work fee)
  • Aggressiveness: Very High

The Clean Slate package is Credit Saint’s most aggressive credit repair plan. And let me be crystal clear, this package is loaded with features not included in the other two offerings.

With Clean Slate, you get unlimited challenges to all three credit bureaus, inquiry targeting, score analysis, creditor interventions, score tracker, Experian monitoring, and cease & desist letters.

However, the biggest takeaway with this package is unlimited disputes. This is not found in the other two packages, and depending on the severity of your situation, you may need more than 5 – 10 disputes to truly move the needle.

Credit Remodel

  • Price: $99.99 (One-time $99.00 first work fee)
  • Aggressiveness: High

This plan is designed to help those who want to improve their credit score before they apply for a loan or a new credit card. With the Credit Remodel package, Credit Saint will dispute up to 10 inaccurately reported items on your credit report.

Furthermore, you get inquiry targeting, score analysis, creditor interventions, score tracker, and Experian Monitoring. So, all-in-all, this package is not that different from their Clean Slate offering.

The only difference is that you will not get unlimited disputes, and Credit Saint will not send custom cease and desist letters.

Credit Polish

  • Price: $79.99/Month (One time $99.00 first work fee)
  • Aggressiveness: Medium

Credit Polish is Credit Saint’s most basic credit repair package. With this package, they will dispute up to 5 inaccurately reported items on your credit report. Additionally, you will get a personalized dashboard to track progress, creditor interventions, score analysis, and score tracker.

If you only need one or two negative items from your credit report, then this plan is a great place to start. And if you need to upgrade to another package, you can.

Lexington Law Packages:

Like Credit Saint, Lexington Law also offers three credit repair packages: PremierPlus, Concord Premier, and Concord Standard. Each plan varies in offerings and is priced differently.

PremierPlus

  • Price: $129.95/Month
  • Level: Advanced

The PremierPlus package is Lexington Law’s most advanced credit repair plan. This plan is designed for people who are dealing with serious credit issues, such as Bankruptcy. Here is a few list of features included in this plan:

  • Challenge all Three Credit Bureaus
  • Intervene with Creditors
  • Inquiry Assistance
  • Score Analysis
  • Credit Report Monitoring
  • TransUnion® Alerts
  • Tailored Cease & Desist Letters
  • FICO® Score Tracker
  • Identity Theft Protection
  • Robust Personal Finance Tools

As you can see, this package is loaded with helpful features. Their inquiry assistance program will help you remove late payments, judgements, and other negative items from your credit report.

Concord Premier

  • Price: $109.95/Month
  • Level: Moderate

The step below PremierPlus is Concord Premier. This package is more hands-on and gives the customer more control over the entire credit repair process. Lexington Law will help educate you on the steps you need to take, so you can respond to threats and file disputes yourself. Here is what is included:

  • Challenge Credit Bureaus
  • Intervene with Creditors
  • Inquiry Assistance
  • Score Analysis
  • Credit Report Monitoring
  • TransUnion® Alerts

This package does not include tailored cease and desist letters, personal finance tools, or the helpful FICO® Score Tracker. Additionally, Concord Premier will not help you with identity theft. These are things to consider as you begin to repair your credit.

Concord Standard

  • Price: $89.95/Month
  • Level: Basic

This is Lexington Law’s most basic offering. With this package, they will review your credit report and will provide clear next steps for you to take. It is quick and easy, but don’t expect tailored insight or advanced credit repair options. Lexington Law will:

  • Challenge the Credit Bureaus
  • Intervene with creditors

As we said, this is a basic package. So, if you require more advanced credit repair options, then review Concord Premier and PremierPlus.

Our Two Cents

Both Credit Saint and Lexington Law offer unique credit repair packages. However, in our opinion, the best bang for your buck is Credit Saint. Not to mention, they are affordable, transparent, and offer more features compared to Lexington Law.

>> Winner: Credit Saint

Credit Saint vs. Lexington Law: Educational Resources

When comparing Credit Saint and Lexington Law, consumers should take note of what educational resources both credit repair companies provide their customers.

On Lexington Law’s website, they provide ample resources to help you learn more about your credit, credit repair, and general personal finance.

Furthermore, Lexington Law’s most advanced credit repair package gives its customers access to exclusive personal finance tools. These tools will help you pay off your debt and budget your money.

Unfortunately, Credit Saint does not have a robust blog on its website; however, that is changing according to our research. But for now, Lexington Law offers more educational resources.

>> Winner: Lexington Law

Lexington Law vs. Credit Saint: Which One is Faster?

Credit Saint operates on a 45-day dispute cycle. This means they will send out a new round of credit report disputes every 45-days. On the other hand, Lexington Law is quite vague about the speed of their service.

On their website, they claim most customers stay with them for 6 months. Additionally, Lexington Law claims they remove 10.2 derogatory items every 4-months.

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.

Furthermore, repairing your credit is not an overnight fix. It takes time to file disputes with all three credit bureaus, review your credit report, and identify what items can be removed.

This is one of the biggest misconceptions with the credit repair industry. Customers expect to see immediate results. But if you are serious about repairing your credit, then you need to approach this situation with a long-term mindset. Again, these are things you need to consider.

>> Winner: Credit Saint

How To Choose Between Lexington Law and Credit Saint

When choosing a credit repair company to work with, there are a few things you need to consider.

To help you make a clear decision, we highlighted the most important features you should factor into your decision-making process.

#1. Reputation

It all comes down to reputation. Unfortunately, both Credit Saint and Lexington Law have strong reputations within the credit repair industry, which is why this decision is hard to make. Both brands have built up a loyal following and have good reviews on TrustPilot.

But there are two questions you need to ask yourself.

  • Which company is facing a class-action lawsuit with the CFPB?
  • Who is accredited by the Better Business Bureau (BBB)?

These two questions will help you uncover the truth. Lexington Law is not accredited by the BBB, and they are sparring head-to-head over a class-action lawsuit with the CFPB.

Just to reiterate, Credit Saint holds an A+ rating with the Better Business Bureau. An achievement that should not go unnoticed.

#2. Price

You know your budget. Choose a credit repair package that you can afford and aligns with your financial goals. The last thing you want to do is incur more debt. Additionally, take advantage of the free credit consultations.

A quick 30-minute phone call with either a Lexington Law or Credit Saint representative could save you hundreds of dollars. And this gives you a chance to ask questions and explore your options.

#3. Duration of Services

Like we said earlier, repairing your credit is a long process. There is no “quick fix.” Credit repair involves reviewing your credit report, identifying negative items, and creating a clear action plan. This process takes time, and you certainly do not want to take a shortcut.

Both Credit Saint and Lexington Law will require your full commitment. This means being in it for the long haul. However, those who are willing to wait are usually the ones who see remarkable results.

Is Credit Saint or Lexington Law Cheaper?

Overall, Credit Saint is the cheaper option. Both companies charge a first work fee (~$99.00), but Credit Saint’s monthly services start as low as $79.00/Month, whereas Lexington Law starts at $99.95/Month.

Is Lexington Law or Credit Saint Safer?

For consumers, Credit Saint is the cheaper option. While Lexington Law does leverage in-house legal expertise, it is currently facing a class action law suit by the Consumer Financial Protection Bureau (CFPB). Moreover, Credit Saint is one of the few companies within the credit repair industry that holds an A+ rating from the Better Business Bureau.

Bottom Line: Credit Saint vs. Lexington Law

With the facts presented before you, we hope our research provides clarity to your situation. We personally recommend Credit Saint, but ultimately, the decision is up to you. You know your credit situation better than anyone else, so take this decision seriously.

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Kim Pinnelli
Kim Pinnelli

Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelor’s Degree in Finance from the University of Illinois at Chicago. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions.