Credit Saint vs. Lexington Law: June 2026 Comparison
Compare pricing and service tiers of popular credit repair companies to make informed decisions for improving your financial health.
Writer: Adam West
Editor: Lillian Guevara-Castro
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We delved deep into the details to really understand the Credit Saint vs. Lexington Law debate. Instead of just comparing prices and services, we looked at the results each company reportedly achieved and how satisfied their customers are overall.
In some regions, the rivalry was intense due to differing outcomes. Both credit repair companies have a proven history of removing negative items from consumers’ credit reports. However, one ultimately emerged as the clear leader.
Before choosing a credit repair business to work with, consider your needs and options to ensure you don’t overspend on services you don’t need. Your credit report — and bank account — will thank you later.
Credit Saint vs. Lexington Law: The Tale of the Tape
If you’re looking for a dependable credit repair service, both Credit Saint and Lexington Law fit the bill. These companies can remove inaccurately reported negative items on your credit report, which can help improve your bad credit score and possibly move you into good credit territory.
These days, there are numerous credit repair companies, each offering a variety of services that could be just what you’re looking for. But for this review, we’re going to focus on the two services we’ve already mentioned. Let’s dive into their pricing:
Cost
Both Lexington Law and Credit Saint bill customers a monthly fee for their services. This allows customers to only pay for the services they need with the option to cancel at any time.
Lexington Law Firm offers simple pricing at just $139.95 per month without tiers or levels from which to choose.
As you go through your credit repair journey, Lexington Law Firm will also provide credit score analysis and education on credit counseling, helping you wisely manage your credit score and financial status moving forward.
On the other hand, Credit Saint provides three different service tiers for you to choose from. Similar to its competitors, each credit repair package is designed to aggressively boost your credit score.
- Credit Polish: For $79.99 per month — plus a $99 initial work fee — Credit Saint will challenge up to five inaccurately reported items with each major credit bureau. You’ll also receive a credit score analysis, a limited number of creditor interventions, and a credit score tracker.
- Credit Remodel: For $99 per month — plus a $99 initial work fee — you’ll receive everything included in the Credit Polish package, plus inquiry targeting and Experian credit monitoring. This package will dispute up to 10 inaccurately reported items per dispute cycle.
- Clean Slate: For $119.99 per month — plus a $195 initial fee (yikes) — you’ll receive everything included in the Credit Polish and Credit Removal packages, plus unlimited disputes to each major credit bureau.
While Credit Saint offers lower monthly fees, the initial fee required before they start on your case can make their services slightly more expensive over an average six-month period.
Credit Saint offers a 90-day money-back guarantee if it’s unable to change your credit score. You’ll only qualify for this refund if there’s no change at all made to your credit report in your first 90 days with the service.
Services
Both Credit Saint and Lexington Law operate on the same premise: to help consumers identify and dispute inaccurately reported items on their credit reports. By disputing these items, customers can request the removal or correction of accounts reported to each credit bureau, which may increase their credit score.
These items can include:
- Late payments that you paid on time or are too old to be on your credit report.
- Misspelled names, incorrect addresses, or wrong Social Security numbers.
- Incorrect credit limits or balances on your credit card or loan accounts.
- Removal of inquiries that are too old to remain on your credit report.
- Old collection accounts or bankruptcy rulings.
A legitimate credit repair company, such as Credit Saint or Lexington Law, will file a dispute letter on your behalf for any inaccurately reported negative item on your credit history.
You may also qualify for goodwill letter assistance that could remove accurately reported late payments from your report in exchange for repayment of the debt. Credit Saint and Lexington Law will also help craft cease and desist letters that encourage creditors from continuing to report inaccurate information after it’s been disputed.
Every credit repair firm has a dedicated customer service line ready to assist with any questions you might have. What truly distinguishes them is the team you’ll interact with on the customer service side.
Credit Saint trains its new employees in the credit repair process, encouraging them to use prewritten prompts for responding to questions. Although this method is common in the credit repair industry, it can make providing personalized service a bit tricky.
On the other hand, Lexington Law assigns a paralegal or credit lawyer to your case who is trained, certified, and accredited to work in the credit repair industry.
This approach is particularly useful if you’re trying to get a creditor’s attention who might be slow in responding to a dispute letter. Generally, creditors take a letter from a lawyer more seriously than one from a small credit repair company they haven’t heard of.
Also, keep in mind that Credit Saint’s services are not available in Georgia, Kansas, Louisiana, Ohio, Oregon, Minnesota, Mississippi, Missouri, and South Carolina.
That’s why we give the edge to Lexington Law in this category. Its trained professionals know how to get the job done.
Results
Each person’s credit repair journey is unique. Some might have many disputes to file due to identity theft, while others might need to fix just one or two errors. These situations will demand different levels of time and effort to address.
Credit Saint doesn’t offer a similar statistic, but it’s confident enough in its results that it offers a 90-day money-back guarantee for its services:
“While clients generally see a change in their credit score within 45 days of starting a credit repair package, you can ask for a full refund if no negative items are removed from your credit reports within the first 90 days.”
You likely won’t see any updates right away through either credit repair service. Credit reports — and credit scores — are typically updated once every 30 to 45 days. It may take up to two months before your credit score changes.
Reviews Around the Web
There is no shortage of both good and bad reviews for these credit repair companies on the internet. In many cases, the negative reviews stem from consumers who don’t understand how credit repair works.
While both companies have a long and successful track record of removing inaccurate negative items from consumers’ credit reports, neither service can magically remove legitimate items from your financial history.
Some customers sign up for this service thinking that their monthly fee entitles them to credit restoration and complete removal of legitimate negative items on their credit history. That isn’t the case.
Other negative Credit Saint reviews are aimed at the company’s customer service center, which is reportedly hard to get a hold of:
“… Do not choose them. Very unresponsive, and when you call In to cancel they will try and lower the price or either tell you they are sorry for no progress and act like they are getting right to it. I am with Lexington (Law) now and I have had so many removals and updates within a month of having their service… ”
Amber, ConsumerAffairs.com
One of the big draws to Credit Saint’s services is their money-back guarantee. Many people find this reassurance comforting compared to other services that don’t offer such a promise.
“I found some mixed reviews for Credit Saint, they are not perfect. But compared to Lexington Law and the rest of them, Credit Saint is way better. They offer a refund policy and they [sic] others don’t. The girl who signed me up pointed it out. She said that all the companies know Credit Saint offers a 90-day money-back guarantee, but they won’t copy it.”
Susan, TheCreditReview.com
On the other hand, Lexington Law may benefit by further explaining its pricing model to prospective clients. This is evident by more than one negative Lexington Law reviewer that doesn’t seem to fully understand when and how much they’ll be billed:
Yes I decided to give Lexington a call and I did their initial dollar to process to make sure my account was good and all that and then today I go to pay my rent. Can’t do it because Lexington law went ahead and took over $150 from me without even me signing a contract. I’d be wary if I were you… “
Milissa Lynn, ConsumerAffairs.com
But Lexington Law’s customer service seems to get a nod of approval from many clients, which isn’t common in the credit repair industry:
“Lexington law got right on my case and was able to get one account dropped and they are working on the other account. They make sure I understand before they make any decisions and let me go. There is nothing I don’t like about my service. I’m not too computer savvy so they are helping me out a lot. They say I can call with any questions that I may have any time. So far so good, thank you.”
Catherine, BestCompany.com
Every company — whether in credit repair or another industry — will have both positive and negative reviews. In fact, people are more likely to leave a review when they have a negative experience. So, while certainly helpful, reviews can also sometimes unfairly dissuade you from hiring a particular business or service provider.
Which Is Better: Credit Saint or Lexington Law?
Credit Saint advertises its 90-day money-back guarantee as a differentiator between its credit repair service and other companies. But its initial work fee and fine print attached to the guarantee (you aren’t eligible if there’s any change whatsoever to your credit report) somewhat negate that benefit.
Lexington Law offers no such guarantee, but you will work with paralegals and accredited credit lawyers who know how to navigate the complexities of credit repair and restoration.
Anyone who has ever needed a lawyer’s services knows how costly it can get. Lexington Law’s price isn’t the cheapest in the credit repair industry, but you’re paying for focused knowledge of credit repair and professionalism.
 | Our Rating |
- Since 2004, Lexington Law Firm clients saw over 81 million items removed from their credit reports
- Get started today with a free online credit report consultation
- Cancel anytime
- See official site, terms, and details »
| Better Business Bureau | See BBB Listing |
| In Business Since | 2004 |
| Monthly Cost | $139.95 |
| Reputation Score | 8/10 |
| Our Expert Review | 4.9/5.0 (see review) |
This is evident through the many reviews that applaud Lexington Law’s customer service demeanor and accessibility, compared to many reviews that comment on how inaccessible Credit Saint’s customer service representatives are.
With that professionalism, customer service, and long history of results, we give the edge to Lexington Law in this battle.
How Does Credit Repair Work?
The credit repair process usually takes about six months. During this period, your credit repair firm will actively dispute any incorrect information on your credit report with the major credit bureaus.
It’s essential to remember that a credit repair firm can’t legally dispute items that are accurate. So, if you really did pay your credit card bill late, you won’t be able to challenge the resulting negative mark on your credit report.
Credit repair can also:
- Send goodwill letters on your behalf to request the removal of legitimate items. This isn’t a guaranteed method of removal but can work sometimes.
- Provide credit monitoring services to track your FICO score or other bureau credit score.
- Provide identity theft protection services.
- File creditor interventions on your behalf that could get creditors to stop reporting damaging information that appears on your credit report.
Credit repair companies offer a variety of services, some of which may come with extra fees or require higher service levels. Make sure to confirm that all the services you need are included in your monthly fee with the company you choose.
How Much Does Credit Repair Cost?
Each credit repair company sets its monthly fees, which can change at any time if you aren’t locked into a contract.
Lexington Law currently charges $139.95 per month for its services. Credit Saint charges between $79.99 and $119.99 per month, not including a one-time initial work fee that can range between $99 and $119.99.
How Long Does Credit Repair Take?
The duration to repair your credit can vary based on the complexity of your case. If you have just a few items to dispute, you might see changes in 30 to 45 days.
More involved cases may take six months or longer. That’s because every dispute requires an investigation by each credit bureau the item is disputed with. These investigations may take up to 30 days each to complete.
If your credit repair service restricts the number of disputes it files for you, it could take several months to get all of your disputes submitted.
Can Credit Repair Wipe My Credit Report Clean?
No credit repair service can completely erase your credit report. Instead, credit repair focuses on removing items that are reported inaccurately.
Legitimate items aren’t removable unless you or your credit repair team negotiates their removal with the creditor.
Credit Saint vs. Lexington Law: The Verdict Is In
While we give the edge to Lexington Law in this competition, we feel that each is a legitimate credit repair company with years of experience helping consumers clear their credit reports of inaccurately reported negative items. Not to mention it’s more affordable.
| | Our Rating |
- Since 2004, Lexington Law Firm clients saw over 81 million items removed from their credit reports
- Get started today with a free online credit report consultation
- Cancel anytime
- See official site, terms, and details »
| Better Business Bureau | See BBB Listing |
| In Business Since | 2004 |
| Monthly Cost | $139.95 |
| Reputation Score | 8/10 |
| Our Expert Review | 4.9/5.0 (see review) |
One look at a Credit Saint review or Lexington Law review will show many more positive than negative remarks.
Each service is reputable and can help you get from bad credit to good credit, but finding the best one for you will depend on your situation. More complicated matters in your credit report may benefit from the paralegals and lawyers at Lexington Law. We also like the lack of upfront first-work fees.
But Credit Saint is an acceptable choice for moderate credit repair needs. You may also want to consider conducting your own credit repair journey if you feel you’re capable.
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