Credit Saint vs Lexington Law: How They Compare

Credit Saint and Lexington Law both review your credit reports from Equifax, Experian and TransUnion and dispute items that may be inaccurate, incomplete or unverifiable. The main differences: Credit Saint is a credit repair company with three plans and a 90-day money-back guarantee, and Lexington Law is a law firm that says it offers the same service to everyone.

This guide compares the two side by side using each company’s own published information, explains the federal rules for credit repair, and covers what to check before you sign up with any company.

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How Do Credit Saint and Lexington Law Compare?

The table below uses each company’s own website. Plans and terms can change, so confirm the details on each company’s site and in your contract.

To compare cost fairly, look at the monthly fee, any first work fee and how long you expect to stay enrolled. Our guide on how much credit repair costs walks through what to look for.

What Is Credit Saint?

Credit Saint is a credit repair company that has been in business since 2007. A credit specialist reviews your reports from all three credit bureaus, finds items that may be inaccurate, incomplete or unverifiable, and sends disputes to the credit bureaus and creditors on your behalf. You sign up and share your information through a secure online portal.

Here’s Credit Saint at a glance:

• 19 years in business
• BBB accredited since 2007
• 4.8 stars from 16,000+ Google reviews
• 350,000+ people helped
• Available in 45 states
• 90-day money-back guarantee on every plan

What Is Lexington Law?

Lexington Law describes itself as a law firm that focuses on credit repair. Its website lists the firm as Oquirrh Mountain Law Group, P.C., doing business as Lexington Law Firm, with offices in Salt Lake City, Utah, and Scottsdale, Arizona. Its services page describes a process of reviewing your reports, disputing items and following up on disputes that need more correspondence.

Some people prefer to work with a law firm and some prefer a credit repair company. Our guide to credit repair attorneys vs. credit repair companies explains how the two kinds of services differ in general.

How Does the Credit Dispute Process Work?

Both services dispute items with the credit bureaus on your behalf. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute information on your credit reports. Here’s how that process works:

1. Review your reports. Look for accounts that aren’t yours, wrong balances, late payments you didn’t make or outdated items.
2. Send a dispute. Each credit bureau must investigate, free of charge, generally within 30 days of receiving your dispute.
3. Get the results. If an item is found to be inaccurate or incomplete, or can’t be verified, the bureau must delete or correct it. That rule comes from the FCRA’s dispute procedure.

A credit repair service handles the letters and follow-up for you. Accurate, current information stays on your reports for the period the law allows, whichever company you choose. Our overview of how credit repair works goes through each step.

What Rules Apply to Credit Repair Services?

Federal law sets the ground rules for credit repair. The Credit Repair Organizations Act (CROA) says a credit repair organization:

• Can’t charge you before it performs the services. That’s why Credit Saint can’t bill you on day one.
• Must give you a written contract that describes the services and the total amount you’ll pay.
• Must give you a written statement of your rights before you sign the contract.
• Can’t make untrue or misleading claims about its services, or advise you to make untrue statements to the credit bureaus.

Read the contract before you sign. It should spell out the work being done and every fee.

How Should You Choose a Credit Repair Service?

Whether you’re comparing these two services or any others, these questions help:

1. Does it charge before doing any work? It shouldn’t.
2. Is everything in a written contract? Look for the services, the total cost and how billing works.
3. Does it promise results? No company can promise a higher score or the removal of accurate information.
4. Is the pricing clear? You should know every fee and what each plan includes.
5. Does it offer a guarantee? If it does, read the terms so you know how to request a refund.
6. What do other customers say? Read its reviews on more than one site.

Our list of credit repair scam red flags covers the warning signs to watch for. If you ever have a problem with a company, our guide explains how to file a complaint against a credit repair company.

Can You Repair Your Credit Without a Company?

Yes. You can dispute errors with each credit bureau yourself for free. The FTC notes that anything a credit repair company can do legally, you can do yourself for little or no cost. Start by getting your free reports at AnnualCreditReport.com, where you can check each bureau’s report once a week. Then follow our guide on how to dispute items on your credit report.

Some people like doing it themselves. Others would rather have a team handle the letters, deadlines and follow-up. Both are reasonable choices.

Frequently Asked Questions

The Bottom Line

Credit Saint and Lexington Law both dispute items that may be inaccurate, incomplete or unverifiable with all three credit bureaus. Credit Saint is a credit repair company with 19 years in business, three plans and a 90-day money-back guarantee. The right choice depends on the setup you prefer, the plan that fits your needs and the terms you’re comfortable with in writing.