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Credit Saint vs Lexington Law [2024]

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A good credit score can make or break your financial progress, but many people are falling behind. In fact, nearly one in five Americans who applied for credit this February was denied. 

If your credit score is less than ideal, you’re probably looking for ways to improve it. Credit Saint and Lexington Law are two companies that offer comprehensive credit repair services to get your score back on track. But which one is better? Let’s compare Credit Saint vs Lexington Law to help you decide which one is right for you. 

Credit Saint vs Lexington Law Overview

Here’s a look at the services that Credit Saint and Lexington Law offer to help clients repair their credit scores. 

What is Credit Saint and How Does Credit Saint Work? 

Credit Saint is a credit repair company that takes a multifaceted approach to improving clients’ credit scores. Clients start by paying a fee for a comprehensive repair package. Credit Saint’s team assesses their credit report and develops a strategy to improve their score. 

This strategy can include credit challenges and disputes, creditor interventions, and legal services. Credit Saint customers also get access to personalized credit-building strategies, a library of educational content, and online live chat with credit experts. You’ll be able to track your progress through Credit Saint’s online dashboard. 

A screenshot from Credit Saint showing a magifying glass finding errors on a credit report and listing all the ways they can help you rebuild your credit.
An overview of how Credit Saint can help repair your credit and an offer for a free consultation.
Source: Credit Saint

What is Lexington Law and How Does Lexington Law Work? 

Lexington Law is a legal firm that focuses on credit repair services. Clients start with a free consultation to identify any inaccuracies on their credit report. Then, if you choose to move forward, Lexington Law will handle all credit challenges and legal disputes to remove inaccurate information from your credit report. The first 5 to 15 days of service are free, and then you’ll pay a flat monthly rate for services should you decide to continue. 

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Lexington Law has specific “focus tracks” that correspond with credit-altering life events. These include divorce, student loans, identity theft, medical bills, military service, and national emergencies. Each focus track comes with tailored credit repair services and credit education.

A screenshot from Lexington Law's home page asking if lies in your credit report are holding you back and offering to fight your bad credit with lawyer-backed credit repair.
An offer from Lexington Law to help you fight bad credit with lawyer-backed credit repair
Source: Lexington Law

Credit Saint vs Lexington Law Cost

When investing in a credit repair service, cost is a key factor to consider. While comparing Credit Saint vs Lexington Law, you’ll find that they have different pricing models. Here’s what you need to know. 

Credit Saint Cost

Credit Saint offers three service packages to choose from. They are: 

  • Credit Polish: $79.99/month, with an initial fee of $99. This is Credit Saint’s entry-level package. It includes standard credit repair features like score analysis, credit challenges, and creditor intervention letters. 
  • Credit Remodel: $109.99/month, with an initial fee of $99. With this package, you’ll get all the features included in Credit Polish, as well as a personalized credit-building guide, detailed score reports, and inquiry targeting. 
  • Clean Slate: $139.99/month, with an initial fee of $195.00. This is Credit Saint’s most aggressive credit-building service. In addition to all the features included in the lower-level packages, it also includes more detailed credit reports and interventions, loan readiness programs, and rent-to-own home programs. 

Lexington Law Cost

Lexington Law is unique in that they let clients try their services for 5 to 15 days for free before making a commitment. The length of your free trial period will depend on the specifics of your case. 

After your free trial, you’ll need to decide whether you’d like to continue using Lexington Law. If so, you’ll be charged $119.95 per month on an ongoing basis for as long as you use their services. You can cancel service at any time. 

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Pros and Cons of Credit Saint vs Lexington Law

When deciding between Lexington Law vs Credit Saint to repair your credit, you’ll need to understand the pros and cons of each service. Here’s what to keep in mind when assessing your options. 

Pros and Cons of Credit Saint

Here are the benefits and downsides of Credit Saint to be aware of: 


  • Responsive customer service: Credit Saint’s customer service team responds to clients quickly, so you can get started right away. They also offer online live chat, which makes it easy to ask questions. 
  • Track progress online: Clients can monitor their credit through Credit Saint’s online dashboard and see progress in real time. 
  • Money-back guarantee: Credit Saint offers a 90-day money back guarantee for peace of mind. Users can also cancel service at any time. 
  • BBB accredited: Credit Saint is accredited by the Better Business Bureau and has an “A” rating. 


  • No free trial: Unlike Lexington Law, there’s no way to try out the service for free, and initiation fees can be costly. 
  • Not available in every state: Credit Saint is not available at all in South Carolina, and some services vary from state to state. 

Pros and Cons of Lexington Law

Here are the pros and cons of Lexington Law to keep in mind: 


  • Free trial: Lexington Law’s free trial allows you to try out the service before making a commitment. 
  • Discounts available: You can save 50% if you sign up with your spouse. There are also discounts available for active military members and veterans. 
  • Event-specific packages: Lexington Law offers credit repair packages tailored to specific life events. 
  • Legal focus: Lexington Law has a team of experienced lawyers and paralegals to handle tricky credit disputes. 


  • Not available in all states: Lexington Law isn’t available in Oregon.
  • Not accredited by the BBB: Lexington Law isn’t accredited by the Better Business Bureau. 

Credit Saint vs Lexington Law Reviews

When comparing Credit Saint vs Lexington Law, be sure to read online reviews. Credit Saint has many positive reviews online, with many people praising the platform’s caring customer service. 

A 5-star Trustpilot review from a customer who just signed up with Credit Saint but expects a good experience based on their phone call.
A Credit Saint Trustpilot reviewer praising the customer service from their initial call and expecting good results.
Source: Trustpilot

However, others have noted that Credit Saint didn’t have a significant effect on their overall credit score. 

A 1-star Trustpilot review from a Credit Saint customer who says they paid $584.94 and got no results from the company.
A negative Credit Saint review on Trustpilot from a customer who says the company did nothing to improve their credit.
Source: Trustpilot

Lexington Law’s online reviews aren’t quite as strong as Credit Saint’s. Many people talked about the platform’s high fees and shared that the platform didn’t have a positive effect on their credit. 

A 1-star Lexington Law Trustpilot review from a customer who said they were supposed to be charged $14.95 to start but $99 was withdrawn from their account and they had to pay another $25 to cancel.
A negative Lexington Law Trustpilot review from a customer who said the fees were higher than advertised.
Source: Trustpilot

However, there are also many positive reviews of Lexington Law. Users have mentioned that the platform made the credit repair process easier and less stressful. 

A 5-star Trustpilot review from a customer who appreciates the customer service they've received over the phone.
Caption: Lexington Law TrustPilot positive review
Source: Trustpilot

Credit Saint vs Lexington Law Reddit

Many Reddit users have also shared their experiences and compared Lexington Law vs Credit Saint. 

One user tried Lexington Law for over six years and had a poor experience but tried Credit Saint for help with disputes. They planned to compare their Lexington Law vs Credit Saint experiences in the future. 

A Credit Saint customer posts about their positive experience and says they like that the company disputes and removes late payments. They say they had a poor experience with Lexington Law several years ago.
Someone on Reddit posting about having a positive experience with Credit Saint and a negative one with Lexington Law several years ago.
Source: Reddit
A Reddit thread where someone responds to a request for info about Lexington Law by explaining how happy they were with their experience. They said the company got late payments removed from their report and got a repo removed from a friend's report.
Someone on Reddit responding to someone asking if Lexington Law is worth it. They were very happy with their experience.
Source: Reddit

Credit Saint vs Lexington Law: Which is Better? 

Both Credit Saint and Lexington Law are popular credit repair companies with a long history of success. The right choice for you will depend on your specific credit situation and what you’re looking for. 

If you’re looking for a user-friendly credit repair experience, Credit Saint may be the right fit for you. Credit Saint’s customer service team is very professional and responsive, so you’ll get guidance and support throughout your entire credit repair journey. The ability to track the status of your credit repair online is also a very helpful feature. 

However, when comparing Credit Saint vs Lexington Law, Lexington Law could be a better choice if you primarily need legal support to repair your credit. Since their team is made up entirely of professional lawyers and paralegals, they’re able to be very aggressive with credit disputes and handle legally complex scenarios. 

Commonly Asked Questions About Credit Saint vs Lexington Law

Alternatives to Credit Saint / Alternatives to Lexington Law?

When comparing Credit Saint vs Lexington Law, it’s important to remember that these are just a few of many credit repair companies on the market. Some of the other best credit repair companies on the market include:

You can also dispute your credit report on your own, but that’s more time-consuming. Other options include credit-building apps like:

Is Lexington Law Credit Repair Real? 

Lexington Law is a real credit repair company. They offer a variety of legal services to help you remove inaccuracies from your credit report. They also offer credit education and guidance for clients. 

How Much Will Lexington Law Raise My Credit Score? 

There’s no guarantee that Lexington Law will raise your credit score a specific amount. This is because everyone’s credit history and financial situation is different. Lexington Law reports that 77% of clients who saw a credit score increase averaged an increase of 40 points in six months. 

How Much Does Credit Saint Charge?

Credit Saint has three different service packages, each with different monthly prices. These packages cost $79.99/month, $109.99/month, and $139.99/month. These packages also come with initial fees of $99, or $195 for the most expensive package. When comparing Credit Saint vs Lexington Law, you’ll find that some of Credit Saint’s packages are more affordable.