With years of experience and a passion for helping clients achieve their financial goals, our team is committed to guiding you on your journey to credit recovery and financial success.
Reviewed By:
Ashley Davison
Ashley Davison
Editor
Ashley is currently the Chief Compliance Officer for Credit Saint, previously the Chief Operating Officer. Ashley got into the Financial world by working as a Logistics Coordinator at Ernst & Young. Coming from a previous career in education, she is eager to teach the world every...
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.
Key Takeaways
Both services review your reports from all three credit bureaus and dispute items that may be inaccurate, incomplete or unverifiable.
Credit Saint is a credit repair company with three plans. Lexington Law is a law firm that says it offers the same service to everyone.
Credit Saint offers a 90-day money-back guarantee. If nothing is removed in 90 days, request a refund.
No company can legally remove accurate, current information. Compare each company’s current terms in writing before you sign.
None. Its FAQ says credit repair is never guaranteed.
Free first step
Free credit review
Free credit assessment, according to its website
Where it’s available
45 states
Check its website for your state
How to sign up
Online or by chat
Online, according to its services page
Source: each company’s own website. Information accurate as of May 4, 2026.
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
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:
Review your reports. Look for accounts that aren’t yours, wrong balances, late payments you didn’t make or outdated items.
Send a dispute. Each credit bureau must investigate, free of charge, generally within 30 days of receiving your dispute.
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.
No. They’re separate companies. Credit Saint is a credit repair company founded in 2007. Lexington Law is a law firm that focuses on credit repair.
The main differences are setup, plans and guarantee. Credit Saint is a credit repair company with three plans and a 90-day money-back guarantee. Lexington Law is a law firm that says it offers the same service to everyone. Both dispute items that may be inaccurate, incomplete or unverifiable with all three credit bureaus.
Yes. Credit Saint offers a 90-day money-back guarantee on every plan. If nothing is removed in 90 days, request a refund. The full terms are on Credit Saint’s guarantee page.
No. No one can legally remove information from your credit report if it’s accurate and current. Credit repair focuses on disputing items that may be inaccurate, incomplete or unverifiable.
Yes. You can file a dispute with Equifax, Experian and TransUnion yourself at no cost, and each bureau generally has 30 days to investigate. A credit repair service handles the same process for you.
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.
Reviewed By:
Ashley Davison
Editor
Ashley is currently the Chief Compliance Officer for Credit Saint, previously the Chief Operating Officer. Ashley got into the Financial world by working as a Logistics Coordinator at Ernst & Young. Coming from a previous career in education, she is eager to teach the world everything she knows and learn everything that she doesn’t! Ashley is a FICO® certified professional, a Board Certified Credit Consultant, a Certified Credit Score Consultant with the Credit Consultants Association of America, UDAAP certified, and holds a Fair Credit Reporting Act (FCRA) Compliance Certificate.
