Credit Saint vs. Lexington Law: Which Is Better?
When your credit is holding you back, the right help can make all the difference.
Credit Saint and Lexington Law are two of the most well-known names in credit repair, but they take very different approaches. If you're comparing these services, you're not just looking for a brand name—you want results, fair pricing, and someone you can count on to actually get things done.
This side-by-side breakdown covers what really matters: how effective they are, what they charge, how they treat customers, and what kind of reputation they’ve earned. We’ll walk through key features, pros and cons, and which option might be a better fit for your situation.
Credit Saint vs. Lexington Law: Quick Comparison Table
| Feature | Credit Saint | Lexington Law |
|---|---|---|
| Success Rate | Aggressive disputes; high deletion success reported | More legal-driven; slower results reported |
| Monthly Pricing | $79.99–$139.99 | $99.95–$139.95 |
| Setup Fee | $99 | $0–$129.95 (varies by plan) |
| Money-Back Guarantee | Yes – 90 days | No |
| Credit Score Tracking | Included with all plans | Included with higher-tier plans |
| BBB Rating | A | C |
| FTC Complaints | Few | Higher volume |
| Customer Support | Phone + Online Portal | Phone + App |
Company Background & Reputation
Both companies have been in business for years, but their reputations couldn’t be more different. Here’s a quick look at what sets them apart.
Credit Saint
Credit Saint has been helping clients improve their credit since 2004. The company is based in New Jersey and has built a solid reputation for being straightforward and effective.
- Transparent practices and strong customer service have earned it an A rating with the Better Business Bureau.
- Credit Saint is known for taking an aggressive approach to credit disputes, challenging inaccurate or questionable negative items with all three credit bureaus right from the start.
Lexington Law
Lexington Law also began operations in 2004, but it’s backed by Progrexion, a marketing company that has worked with several credit-related brands.
- The company positions itself as a law firm, which appeals to some consumers, especially those looking for legal support during the credit repair process.
- However, Lexington Law has faced scrutiny from the Consumer Financial Protection Bureau over its marketing and billing practices.
- Its Better Business Bureau rating has dropped to a C in recent years, reflecting ongoing customer complaints and legal challenges.
Plans & Pricing Breakdown
When comparing these two services, pricing structure is a big factor. Here’s how the monthly costs and setup fees break down.
Credit Saint Plans
- Credit Polish – $79.99/mo: Best for mild credit issues
- Credit Remodel – $99.99/mo: Mid-tier plan with more disputes
- Clean Slate – $139.99/mo: Designed for serious credit problems
- Setup Fee – $99: Applies to all plans
Each plan includes credit score tracking, disputes across all three credit bureaus, and access to the customer dashboard.
Lexington Law Plans
- Concord Standard – ~$99.95/mo: Basic disputes, no credit monitoring
- Concord Premier – ~$119.95/mo: Adds credit score alerts and tools
- PremierPlus – ~$139.95/mo: Includes identity protection and legal interventions
- Setup Fee – $0–$129.95: Varies based on the selected plan
Features & Tools Comparison
A good credit repair service needs more than just dispute letters. Here’s how these two stack up when it comes to tools and support.
Dispute Process
- Credit Saint: Uses a direct and aggressive strategy. Disputes are submitted to all three major credit bureaus at once.
- Lexington Law: Slower, more legal-style process. May send targeted letters over time, sometimes focusing on one item at a time.
Credit Monitoring & Tracking
- Credit Saint: Offers credit score tracking with all plans at no extra cost.
- Lexington Law: Limits credit score monitoring to Premier and PremierPlus plans.
Customer Dashboard & App Experience
- Credit Saint: Online dashboard is clean and easy to use. Provides a full view of dispute progress and credit score changes.
- Lexington Law: Has a mobile app, but user reviews often mention glitches and poor functionality.
Refund Policy & Guarantee
When you're paying monthly for credit help, it’s fair to want a little protection if things don’t work out.
Credit Saint
- Offers a 90-day money-back guarantee if no items are removed during that time.
- One of the few credit repair companies with a refund policy in place.
Lexington Law
- No satisfaction guarantee.
- No refunds once services have started, even if no items are removed.
Customer Reviews & Complaints
Reviews can give you a sense of what to expect from each company. Here’s what third-party sources say.
- Credit Saint
- BBB Rating: A
- Generally positive reviews on Trustpilot
- Praised for responsive support and clear results
- Lexington Law
- BBB Rating: C
- Mixed reviews on Trustpilot and other platforms
- Past complaints tied to billing and lack of results
Lexington Law and its parent company, Progrexion, have also faced enforcement action from the Federal Trade Commission over alleged deceptive marketing practices and upfront fees.
Which Credit Repair Company Is Best for You?
Not everyone needs the same kind of support. Here’s a quick guide to help you decide based on your goals:
| Scenario | Recommended Option |
|---|---|
| You want faster removals + refund policy | Credit Saint |
| You prefer legal guidance & documentation | Lexington Law |
| You’re on a tighter budget (entry-level) | Credit Saint |
| You need app-based access and mobile tools | Lexington Law |
Step-by-Step: How to Get Started With Each Service
Signing up for credit repair doesn’t need to be complicated. Here’s how to get started with each company, step by step.
Getting Started With Credit Saint
- Choose a plan online: Pick from one of three plans based on how many negative items you want disputed.
- Complete your onboarding: You’ll fill out some quick forms and agree to the terms.
- Upload your credit reports: You can upload them directly or use the integration with SmartCredit.
- Let disputes begin within days: Credit Saint gets to work fast, often submitting your first round of disputes within a week.
Getting Started With Lexington Law
- Select a service tier: Choose from Concord Standard, Concord Premier, or PremierPlus.
- Call or sign up online: You can enroll through their website.
- Provide identity verification: You’ll need to confirm your identity and submit credit report access.
- Monitor case progress via app: Use the Lexington Law app to check dispute status and track activity.
Final Thoughts
If you're comparing Credit Saint vs. Lexington Law, the better choice depends on what you care about most.
Credit Saint is more straightforward, more affordable, and offers a clear refund policy. It’s a better fit for people who want quick action and predictable service. Lexington Law leans on its legal branding, but the higher number of complaints and lack of a satisfaction guarantee make it harder to recommend.
For most people looking to fix their credit fast—and without wasting time—Credit Saint is the stronger option.
Want to see how these two stack up against other services?
Check out our reviews of the top credit repair companies to compare your other options.
