Credit Saint vs. Lexington Law: Who’s Better?

By Gerald Dunigan

Disclaimer: We offer completely free content to our users. However, articles or reviews may contain affiliate links and we may earn a commission. Learn more about how we make money.

Credit saint vs. Lexington law, who is the undisputed winner? Rather than jumping to conclusions, we will first present facts about the two credit repair services.

By comparing the pros and cons of each platform, you will know the best company to choose based on your needs. Now, this is not a high-stakes choice. Both services are trusted leaders in the credit repair industry and are known for delivering reliable services. Let’s get started:

Lexington Law vs. Credit Saint: Overview

Lexington Law traces its origin to 1991 and initially dealt with consumer advocacy issues. In 2004, the law firm began focusing on offering credit repair services. It was the same year that John C. Heath became the directing attorney. The goal of the founders was to revolutionize the repair industry. Today, they continue offering technology-supported credit repair services thanks to their partnership with Progrexion Holding. The parent company supplies patented technologies used by Lexington Law and other consumer brands such as and Lexington Law also maintains offices in Phoenix, Arizona, and West Valley City, Utah.

Credit Saint began operating in 2007 and has amassed significant market share for offering reliable and guaranteed services. It’s currently under the helm of the original founder, Ross LaPietra. The company utilizes automated systems to boost its workflow efficiency and strives to offer the best value. Their cornerstones include determination, revolutionary, integrity, vision, and excellence. The main office is in Mahwah, New Jersey.

Now, let’s compare some key features of the best credit repair services:

Credit Saint Lexington Law
Market Experience 14 years+ ( 2007) 17 years+ ( 2004)
Money-Back Guarantee 90-day money-back guarantee No money-back assurance
Monthly Fee $79.99 – $119.99 $89.85 – $129.95
Setup Fee $99 to $195 $89.95 – $129
BBB Rating A- (Accredited business) C (Not accredited)
Free Credit Consultation Yes Yes
Mobile application No iOS and Android apps
Discounts and promotions Family member discounts Couples discounts & regular work-free promotions
Cancel anytime Yes Yes

Credit Repair Packages and Pricing

From this overview, you may have gathered that both services offer similar pricing plans. Actually, their cheapest and most expensive plans differ by about $10. Let’s take a closer look at their pricing packages and provided features:

Credit Saint Packages

Creditsaint allows customers to choose from three pricing packages:

Clean slate

It’s their most advanced package, and customers will pay an initial work fee of $195. It covers the work performed in preparing the first round of disputes. Regular membership goes for $119.99.

Credit Saint bills this package as the most aggressive. It allows for unlimited disputes during each billing cycle. Now, this does not mean that they will allow you to challenge all negative entries at once. In a past comment, they mention that they go after half of the available items to dispute.

The package also includes score tracking, inquiry targeting, and Experian monitoring.

Credit remodel

The package allows customers to go after ten negative items per billing cycle. They will pay an initial setup fee of $99 and only part with $99 for the monthly membership. Other than that, you still get all the extra features available on the Clean Slate package.

Credit Polish

Credit Saint offers their cheapest package for $79 per month. You will need to pay an initial setup fee of $99. The plan only allows customers to challenge up to 5 negative entries for each billing cycle. It doesn’t include inquiry targeting, so the firm will not help in disputing hard inquiries. Customers also lose access to Experian monitoring features.

Lexington Law Packages

The Lexington Law firm provides three pricing options:

Advanced Package

Compared to Credit Saint’s Clean Slate plan, the Advanced plan certainly has more features, and it’s only going to cost you $129.95, about $10 more. The setup fee is only $129.95, meaning that you may spend $66 less during your first month with Lexington Law.

On average, customers subscribe for six months of service. In that time, you will have roughly paid the same fees if you selected either service.

Now, what features do you get? You will access FICO® score updates, cease & desist letters, ID protection, personal finance tools, and mobile apps.

Concord Premium

The Concord Premium package lacks cease & desist letters, FICO® Score Tracker, ID protection, and finance tools. You will pay about $109.85 per month.

How does this package stack up to Credit Saint’s Credit Remodel package? Well, there are no significant differences. Both plans provide score analysis, credit report updates, and inquiry targeting.

Concord Standard

Lexington Law’s basic service package provides access to bureau challenges and creditor interventions. It costs $89.85 per month, a bit on the higher side than the Credit Polish package. Credit Saint has a better basic package as it includes the score tracker and score analysis.

Who wins the Credit saint vs. Lexington law pricing war? If you’re looking for the cheapest plan, you are better off using Credit Polish offered by Credit Saint. But if you have a lot more to spend, you may get more value by choosing Lexington Law’s Advanced package.

Lexington Law vs. Credit Saint: Customer Service

The professionalism of the customer support team is a huge factor in determining the probability of successful outcomes. That’s because you will need to work with someone to identify potential dispute candidates. Most companies train their customer representatives to offer professional credit rebuilding guidance to customers.

How have the two services performed when it comes to the level of customer care?

Credit Saint services

A careful review of hundreds of past user reviews reveals the dedication and selfless services offered by Credit Saint’s representatives. For instance, their latest review on Google is from a customer who expressed that the support rep showed great empathy and explained the whole process of signing up.

Credit Saint google review

When analyzing the professionalism of their customer support reps, we also reviewed how they respond to complaints. On their page, the company responds to complaints within five business days at most. They choose to issue refunds in some situations and use friendly language when responding to customers.

Note that is not the primary channel for raising or addressing complaints. Customers are always encouraged to reach out to the company directly.

Both firms also offer free consultations. With Credit Saint, the initial free review includes a professional analysis of your credit reports. They will go over specific details of your credit history and offer additional techniques for improving your scores.

Lexington Law services

An analysis of their past user reviews reveals that their team of paralegals is accommodating towards customers. The company also boasts more reviews than Credit Saint, as users leave feedback on their Android and iOS app pages. Customers typically mention the names of paralegals who intervened in their cases.

Lexington Law trustpilot

Now,  the only thing that we take issue with is how the company handles complaints, particularly on their page. The responses tend to be very formal, and they lean back on their policies to explain their position and why they can’t issue refunds. Unlike Credit Saint, where most clients accept the response given by the firm,  there are several instances where customers have rejected Lexington’s Law’s responses.

Lexington Law bbb reviews

Having said this, Lexington Law still takes time to respond to complaints. It’s better to have a response than to have your complaint ignored entirely.

You can also have a better feel of their customer service quality by obtaining their free consultation. The law firm will provide your TransUnion credit report summary and Transunion FICO®  score. A live agent will also contact you to talk about the details of your credit history.

Educational Resources

When comparing Lexington Law vs. Credit Saint, it’s also vital to compare the educational resources.  Lexington law comes off as the better service when it comes to free credit guides. Their website contains more information, and you don’t have to guess about what services they provide.

If you can’t pay their rates, they are gracious enough to offer DIY credit repair articles. They provide various templates you can use when challenging the bureaus and information furnishers. For instance, you can download a 609 letter and pay-for-delete letter template.

Lexington Law has a YouTube page where they regularly publish client testimonials and short videos on various credit repair topics. You can follow them on their social media pages for updates when they publish new guides.

Credit Saint has made strides in addressing its content gap this year. You can find some recent articles in their blog section. Their FAQ section also contains a list of commonly asked questions about the service.

Who’s faster – Lexington Law or Credit Saint?

The biggest determinant of how fast items will be removed from your credit report is not the company you select. It’s the time taken by credit bureaus to carry out reinvestigations. Typically, most investigations are concluded within 30 days, but credit bureaus can add 15 days if necessary.

Credit bureaus have innovated online disputes. They state that their online challenges are much faster as they will receive your request sooner than if you send a physical letter. For instance, TransUnion says that they conclude most disputes within two weeks.

Lexington Law utilizes digital partnerships and patented technology to minimize their reliance on snail mail. It helps them achieve faster outcomes. On the other hand, Credit Saint has not been specific about its use of electronic disputes. So, if they are entirely dependent on mailing letters, it may mean waiting longer for the correspondence with the credit bureaus.

Another point to note is that most credit repair companies have a holding time until they prepare the first batch of challenges. The Credit Repair Organisations Act specifies a three-day cooling-off, where customers can cancel their contracts.

Lexington Law begins the process as soon as 48 hours. That’s when the paralegal will reach out after you purchase a package. For an extra charge of $15, Lexington Law can automatically load the client’s credit reports into their system. They claim that this helps them fastrack the preparation of the initial first round of disputes. Credit Saint also begins its repair process within 48 hours.

Takeaways for Choosing Between Lexington Law and Credit Saint

Here are some key takeaways that can help you make the final decision between the two giant credit repair brands:

1.  Money-back guarantee

Lexington Law lacks a money-back guarantee, but you get it with Credit Saint. However, note that it comes with certain conditions. If there have been deletions within 90 days, Credit Saint may not issue the refund. They also expect customers to have made timely payments in the past.

2. BBB rating

Companies that are BBB accredited are only required to demonstrate enough goodwill to respond to customer complaints amicably. It’s not necessarily a reflection of the quality of their services. Now that said, Credit Saint is accredited and has an A- rating. While Lexington law is not accredited, they still take time to answer customer complaints on their BBB profile.

3. Pricing

After examining the pricing packages of both providers, you will not necessarily save a lot of money by choosing between the top packages offered by the two services. For instance, while Credit Saint charges $119.99 for their top package, customers pay a review fee of $195. Lexington Law, on the other hand, charges $129.95 with a work fee of $129. Still, you may save a meager sum if you choose the cheaper packages offered by Credit Saint.

4. Technology and value

Lexington Law offers more value by including cease-and-desist letters and identity protection in their advanced package. They also have mobile apps for easier progress tracking.

5. Friendliness

Credit Saint edges Lexington Law when it comes to offering downright friendly services. It’s one of the biggest highlights of the service and a recurring theme in their customer reviews. Both services also go out of their way to help customers recover from bad credit by offering additional advice.

6. Consumer advocacy

Lexington Law may be better prepared to assist customers through negative life events. They do this by taking the fight to the individual creditors. For instance, they are now offering help to people whose scores may have been affected by the COVID-19 pandemic by helping them leverage reliefs provided by lenders under the CARES act. Customers can choose unique focus tracks, for instance, if their negative items resulted from student loans or divorce.

Credit saint vs. Lexington law – Which one is the best?

Now, it’s time for us to render our verdict, and surprisingly, it’s a tie. How did we arrive at this conclusion? Well, both services scored 3 of 6 in our focus performance areas:

Most Additional Services Lexington Law
Best Technology Lexington Law
Worry-free Service Credit Saint
Cheapest Package with the Most Value Credit Saint
Top Package with the Most Value Lexington Law
Best Customer Service Credit Saint

Verdict: Tie

All things considered, both platforms have major benefits and some drawbacks. For instance, while Credit Saint offers a 90-day money-back guarantee, it’s still subject to many conditions. The platform lags behind in terms of tech and tools. On the positive side, they offer outstanding customer support, and some of their packages may be cheaper. Lexington Law provides better tools, and we particularly like their focus tracks. Still, they miss out on a money-back guarantee, which is a major source of dissatisfaction for customers who don’t have successful deletions.