Credit Saint vs Lexington Law

McCall Martin
McCall Martin | Senior Editor

Credit Saint and Lexington Law have both provided quality credit repair services to thousands of clients since their introduction to the credit repair industry. 

Both credit repair companies offer clients three credit repair service levels/package options, a free credit consultation, and easily accessible online client accounts. 

Credit Saint appears to provide a bit more online transparency regarding its credit repair package options and pricing than Lexington Law. When it comes to additional services and resources, Lexington Law does provide several more options than Credit Saint. 

Lexington Law also receives more positive reviews on BestCompany.com than most of the companies in the credit repair industry, including Credit Saint. In terms of reviews, Lexington Law customers seem to be the most pleased with the company’s customer service. 

Keep reading to learn more about Credit Saint and Lexington Law. 

Credit Saint logo
#4 Credit Saint
6.6 Overall Score
4.7
star star star star star_half
(251)
Lexington Law logo
#3 Lexington Law
8.3 Overall Score
4.1
star star star star star_border
(3,545)

Overview

Credit Saint

Upfront Cost

$99.00

Monthly Fee

$79.99

Money-Back Guarantee

90

Time in Business

16 Years

Lexington Law

99.95

99.95

Undisclosed

19 Years

Ratings

Credit Saint

Overall Score
6.6 of 10
Review Score
4.7
star star star star star_half
Value for Money
4.4
star star star star star_half
Quality of Product or Service
4.4
star star star star star_half
Company Trustworthiness
4.6
star star star star star_half
Likely to Recommend
9.1 of 10

Lexington Law

8.3 of 10
4.1
star star star star star_border
3.8
star star star star star_border
3.9
star star star star star_border
3.9
star star star star star_border
7.2 of 10

Reviews

Credit Saint

Number of Reviews
251
Review Breakdown
4.7
star star star star star_half
1 star
4%
2 star
1%
3 star
2%
4 star
8%
5 star
85%

Lexington Law

3,545
4.1
star star star star star_border
1 star
18%
2 star
3%
3 star
3%
4 star
9%
5 star
68%

Reviews for Credit Saint

Helpful Favorable Review

star star star star star

Robert Mott

May 3rd, 2022

DETAILS

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Review Source

Credit Saint gave me peace of mind with their knowledge and understanding of my situation. I'm glad I used Credit Saint to get my finances in order. Their website is very helpful and communications are quick and informative.

Helpful Critical Review

star star_border star_border star_border star_border

Mike Radaei

September 19th, 2022

DETAILS

SCAM company I have the worst experience with Credit… I have the worst experience with Credit Saint, they caused my score dropped by 63 points, just got a report from Equifax , showing the massive drop that I never seen in my life- total scam- PLEASE stay away from them. if they can not fix this huge issue I am going to hire an attorney to file a lawsuit against this scam company and write negative reviews about them to as many site as possible, this is playing with people's life which I do not let that happen to other people..

Reviews for Lexington Law

Helpful Favorable Review

star star star star star

Nyrhone Brewer

January 14th, 2023

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Review Source

I like how it was explained what i was getting for what i paid . I didnt know that at first but when it was broken down to me..i wanted to keep what i had. I was originally gonna cancel but i was shown my long term benefit and changed my mind.

Helpful Critical Review

star star star_border star_border star_border

Ashley Stoker

June 1st, 2022

DETAILS

check_circle

Review Source

I was referred to Lexington Law when trying to get ready to buy a house- I needed another 20 points. The customer service was good, but they disputed too many items at once, and subsequently my credit file with the bureaus was locked a month later and took a few months to get unlocked. I did not get a refund, but did cancel with them- I lost the house I had my eye on due the the credit files being inaccessible to my lender.

The Final Word

Lexington Law and Credit Saint have operated in the credit repair industry for several years and have both built strong credit repair reputations. 

Here are a few similarities and differences between the two companies that potential customers should know about before making a decision:  

Credit Repair Services (Winner: Tie)

Both Credit Saint and Lexington Law offer a straightforward credit repair process, free credit consultations, and credit repair options that range from minimal to aggressive credit repair services. 

Lexington Law offers three different credit repair service levels: the Concord Standard level, the Concord Premier level, and the PremierPlus level. Credit Saint also offers three package options: the Credit Polish package, the Credit Remodel package, and the Clean Slate package. 

Both companies provide three-bureau challenges, creditor interventions, score analysis, score tracker tools, and more. 

Services Lexington Law Credit Saint
Cheapest services   X
Three-bureau challenges X X
Most basic plan options   X
Most advanced plan options X  
Most additional services X  

As you can see above, Credit Saint clients appear to obtain a few more services with the company’s most basic credit repair plan option in comparison to Lexington Law’s lowest service option. 

On the other hand, Lexington Law clients can get more options with the company’s most advanced plan when compared to what is offered in Credit Saint’s most advanced plan.

Both companies offer the same number of service options and provide reputable credit repair services. 

Service Pricing (Winner: Credit Saint)

Those interested in credit repair services should know that Lexington Law does charge slightly overall fees than Credit Saint. 

While Credit Saint’s most basic package option starts at $79.99 per month, Lexington Law’s lowest service level starts at $89.85 per month. Additionally, Lexington Law’s most advanced service level is more than Credit Saint’s most advanced package option. 

When looking at services, however, it is important to consider what each service option includes. For instance, Lexington Law’s most advanced service includes more than Credit Saint’s. Alternatively, Credit Saint’s most basic package option includes more than Lexington Law’s. 

If you are looking for a more price-friendly credit repair service, Credit Saint offers cheaper plan options. 

Money-Back Guarantees (Winner: Credit Saint)

Credit Saint advertises a 90-day money-back guarantee on its website. This money-back guarantee is designed to benefit those who have not seen any questionable credit report items removed from their account within the first 90 days of using Credit Saint’s credit repair services. 

While Credit Saint boasts a money-back guarantee, Lexington Law does not. Lexington Law states on its website that it does not offer any type of service guarantee. Additionally, it does not seem that Lexington Law has a refund policy in place.

If you are looking for a company that offers a money-back guarantee, Credit Saint is worth considering.  

Discounts (Winner: Lexington Law)

Unlike Credit Saint, Lexington Law is transparent about the discounts it offers to clients. Lexington Law offers a 50 percent off first work fee discount to active military members and veterans. The firm also provides client spouses with a one-time 50 percent discount. 

Lexington Law's discounts can save you money on credit repair services, especially if you have a military situation/background. 

Additional Services (Winner: Lexington Law)

As previously mentioned, Lexington Law does offer more additional services than Credit Saint. In addition to standard credit repair, Lexington Law provides clients with the opportunity to receive identity protection services, personal finance tools, TransUnion alerts, cease and desist letters, ReportWatch, and a FICO score tracker. 

In terms of additional services, Credit Saint appears to offer Experian credit monitoring and inquiry targeting. 

If you are looking for a company that offers several additional service options, you may want to choose Lexington Law.

Credit Saint vs. Lexington Law: Which is best? 

While both Credit Saint and Lexington Law are worth considering, Lexington Law ultimately appears to stand out between the two. 

As mentioned above, Lexington Law receives significantly more frequent and positive client reviews than any other credit repair service listed on BestCompany.com, which is no surprise since the firm has a fairly strong reputation in the industry. Due to the firm’s high number of positive reviews, quality services, discounts, and reputation, Lexington Law is the recommended choice for credit repair services. 

That said, both credit repair companies have quite a bit to offer and provide reputable credit repair services. It’s important that consumers do their own research to see which company best suits their individual credit repair needs. 

Top Choice

Lexington Law Logo
Lexington Law

Frequently Asked Questions

How many credit repair plan options do both companies provide?

Both Lexington Law and Credit Saint offer three different credit repair service options. The options that both companies provide vary in pricing and aggressiveness. 

How much does Lexington Law cost?

Lexington Law’s credit repair service levels start at $89.85 per month. 

How much does Credit Saint cost?

Credit Saint’s credit repair package options start at $79.95 per month. 

How long does each company take to repair credit?

Since each credit report and situation is unique, credit repair service time can vary. 

According to Lexington Law’s website, clients typically stayed with the firm for about six months. Credit Saint does not mention how long its services usually take. Credit Saint does, however, provide a 90-day money-back guarantee which may give potential clients some insight into how long clients use the company’s services. 

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