- 1 Choose a Credit Repair Package
- 2 Call today for your free Credit Consultation
- 3 Company Background
- 4 How Does Credit Saint Work?
- 5 What Type of Negative Items Can Credit Saint Help With?
- 6 What We Like Most About Credit Saint
- 7 How Much Does Credit Saint Cost?
- 8 Alternatives to Credit Saint
- 9 How Fast Can Credit Saint Repair Your Credit?
- 10 Final Thoughts – Is Credit Saint Legit?
- 11 Credit Saint Review for January 2022 – Plan Options, Costs, Pros & Cons
- 12 Credit Saint Company Review
- 13 Standout Features of Credit Saint
- 14 How Does Credit Saint Credit Repair Work?
- 15 Credit Saint Plan Options
- 16 Pros and Cons of Credit Saint
- 17 Is Credit Saint For You?
- 18 Credit Saint plan basics
- 19 An overview of Credit Saint
- 20 What credit repair services does Credit Saint offer?
- 21 What we like about Credit Saint
- 22 Where Credit Saint could improve
- 23 What Credit Saint customers are saying
- 24 Credit Saint customer service
- 25 FAQs about Credit Saint
- 26 Bottom line
- 27 Top 159 Credit Saint Reviews
- 28 2021 Credit Saint Review: Features, Ratings, Pricing
- 29 What Is Credit Saint and How Does It Work?
- 29.1 What Can Credit Saint Do For You?
- 29.2 Credit Saint Restoration Services
- 29.3 Ease of Use
- 29.4 Credit Saint Pricing
- 29.5 Credit Saint Ratings and Reviews
- 29.6 Credit Saint Alternatives
- 29.7 Is Credit Saint Worth It?
- 29.8 Where Credit Saint Dominates
- 29.9 Where Credit Saint Falls Short
Choose a Credit Repair Package
We provide the most complete service available in the business at the time of this writing.
Call today for your free Credit Consultation
You will receive one of the most aggressive services available when you engage with Credit Saint, but one size does not fit all when it comes to debt relief. So, here are the several levels of difficulty to choose from depending on your own scenario.
- Includes work associated with challenging an unlimited number of inaccurately reported items per dispute cycle to the three credit bureaus, score analysis, creditor interventions, score tracking, inquiry targeting, and Experian monitoring. Includes work associated with challenging an unlimited number of inaccurately reported items per dispute cycle to the three credit bureaus, score analysis, creditor interventions, score tracking, and Experian monitoring.
$119.99 / mo
- Work related with disputing 10 wrongly reported items every dispute cycle with the three credit bureaus, score analysis, creditor interventions, score tracker, inquiry targeting, and Experian monitoring are all part of the job description.
$99.99 / mo
- Experian Monitoring is included in the work associated with challenging 5 erroneously reported items every dispute cycle. Creditor Interventions, Score Tracker, Inquiry Targeting, and Creditor Interventions are also included in the task.
$79.99 / mo
A credit restoration organization called Credit Saint can help you rebuild your credit by assisting you in removing unfavorable things from your credit report that should not be there. This covers things like late payments, identity theft charge-offs, and other types of financial difficulties. Credit Saint also negotiates for the elimination of things that have a negative influence on your credit score as soon as possible. But is Credit Saint the best choice for you, and can you put your confidence in this company?
Here, in this Credit Saint review, we’ll go over all there is to know about this credit repair organization, including both its positive and negative aspects.
A credit restoration organization called Credit Saint can help you rebuild your credit by assisting you in the removal of bad entries from your credit report that should not be there. Late payments, identity theft charge-offs, and other issues fall under this category. Credit Saint also works to get things that have a negative influence on your credit score removed as soon as possible. Are Credit Saint’s products and services appropriate for you, and can you put your confidence in this company?
Here, in our Credit Saint review, we’ll go over all there is to know about this credit repair organization, including its advantages and disadvantages.
How Does Credit Saint Work?
Credit Saint works to remove erroneous or missing information from your credit report, which may have a negative impact on your credit score. They may also fight statements that are inaccurate or prejudiced, which can help to improve your credit score. Nothing could be easier than getting started with Credit Saint. There are only three simple steps to follow! Step 1: Request a No-Obligation Consultation. While you are in the session, a Credit Saint adviser will go over your credit history with you and go over each bad item on your credit report with you.
- Step 2: Select a Strategy Credit Saint, in contrast to other credit repair organizations, does not compel you to choose from a limited selection of credit repair solutions.
- Credit Repair Plans In order to ensure that you only pay for the services that you require, each credit repair service level offers distinct features and variable pricing points.
- Step 3: Collaborate with Credit Saint to Improve Your Credit Score Credit Saint goes to work on restoring your credit as soon as you contact them.
- Credit Repair Works operates in 45-day cycles, and at the conclusion of each cycle, you’ll receive progress reports that detail which bad things have been erased from your credit report and which have not.
This period will provide you with unrestricted access to Credit Saint’s credit repair professionals and customer care staff, who will be available to answer any queries you may have. Credit Saint offers a free credit repair consultation. To schedule an appointment, click here.
What Type of Negative Items Can Credit Saint Help With?
Credit Saint can delete anything unfavorable from your credit report that shouldn’t be there as part of its credit restoration solutions. Credit Saint also offers credit monitoring services. This includes the following:
- Late payments
- And other matters.
However, while it may be tempting to believe that Credit Saint’s credit restoration service can simply wipe the past, the organization makes it plain that they can only remove anything from your credit reports that should not be there in the first place. They are your champion and will use their knowledge to question anything that is erroneous, misleading, prejudiced, incomplete, or unverifiable. They will not hesitate to use their skills to confront you.
What We Like Most About Credit Saint
Our research has revealed that Credit Saint stands out among credit repair organizations because of their five-star service and the large number of people they’ve been able to assist over their time in company.
If Credit Saint agrees to collaborate with you, you may be confident that they will provide results. They back up their faith with a money-back guarantee that lasts 90 days. Credit Saint guarantees that any problematic things on your credit report will be deleted within 90 days, or you will receive a full refund. Because of Credit Saint’s robust money-back guarantee, you may be pretty confident that working with them will result in beneficial results. And if they are unable to assist you for any reason, you will receive a refund of your money.
While Credit Saint is working on your behalf, it’s critical that you take advantage of the opportunity to make a deliberate effort to restore your credit where you can.
A Rating from BBB
In the emotionally charged credit repair sector, maintaining an A rating with the BBB (Better Business Bureau) is no small task. The results of a search for other credit repair services coupled with the phrase “BBB” will reveal that many of these organizations have not yet been recognized by the BBB, despite having been in operation for the same length of time as Credit Saint. The majority of them likewise have scores ranging from C to F, as well as negative client evaluations.
Free Credit Consultation
In order to maintain their honesty, Credit Saint will not collect your money or charge you a first work cost before reviewing your credit and providing you with a free consultation. Not only will you find out whether or not their services are suitable for your needs, but you will also gain vital insight into what you can do to begin the process of repairing your credit on your own over the following 90 days.
Online Dashboard for Easy Monitoring
If you’re interested in learning how Credit Saint is faring, you don’t have to call someone or wait for information to be provided.
As part of its credit repair services, Credit Saint provides an online account dashboard that allows you to track the progress of the Credit Saint professionals as they strive to improve your credit.
Flexible Credit Repair Plans
Interested in how Credit Saint is doing? You don’t have to call someone or wait for information if you want to find out. An online account dashboard is provided by the organization, which allows you to keep tabs on the progress of your Credit Saint professionals while they try to improve your credit score.
How Much Does Credit Saint Cost?
If you’re interested in learning how Credit Saint is faring, you don’t have to call anybody or wait for answers. An online account dashboard is provided by Credit Saint, which allows you to keep tabs on the progress of your Credit Saint professionals as they strive to improve your credit score.
Alternatives to Credit Saint
Despite the fact that Credit Saint is one of the top in the field, there are other cost-efficient and effective credit repair service providers out there to choose from.
Credit Saint is one of the greatest credit restoration companies in the market, but there are other companies that are more cost-efficient and effective.
Sky Blue Credit Repair
Credit Saint is one of the greatest credit restoration companies in the market, but there are other companies that are more affordable and effective.
How Fast Can Credit Saint Repair Your Credit?
In order to rebuild your credit as rapidly as possible, Credit Saint works quickly. The organization operates on a 45-day cycle and offers a 90-day money-back guarantee, despite the fact that results will not be achieved overnight. Essentially, this implies that you can anticipate at least one of your negative entries to be removed off your credit report within 90 days, if not all of them, or you will receive a full refund if they are not.
Final Thoughts – Is Credit Saint Legit?
If you have bad credit, Credit Saint can help you fix it rapidly. The firm operates on a 45-day cycle and offers a 90-day money-back guarantee, despite the fact that results won’t be seen immediately. This implies that you may anticipate at least one, and perhaps all, of your bad items to be removed off your credit report within 90 days, or you will receive a complete refund if you do not receive a satisfactory outcome.
Credit Saint Review for January 2022 – Plan Options, Costs, Pros & Cons
You might be able to restore your credit score on your own. This is a realistic possibility. Hiring a professional credit repair firm, on the other hand, can save you time, headaches, and potentially even money because a company can cure your bad credit much more quickly than you can on your own. The Credit Saint credit repair company is one of the greatest credit repair organizations in the United States, whether you need a credit polish or a full credit restoration. This evaluation should assist you in deciding whether to repair your credit with Credit Saint, with another credit repair firm, or by taking a do-it-yourself strategy to credit restoration.
Credit Saint Company Review
Repairing your credit score on your own is a possibility. This is something that is conceivable to do. A professional credit repair firm, on the other hand, can save you time, aggravation, and perhaps even money because a corporation can restore your negative credit much more quickly. Credit Saint is one of the greatest credit repair firms in the United States, whether you need a credit polish or a full credit restoration.
Contact Credit Saint now. After reading this review, you should be better equipped to determine whether to repair your credit with Credit Saint, another credit repair firm, or by taking a do-it-yourself strategy to credit restoration.
Standout Features of Credit Saint
Credit Saint, an industry leader, provides effective credit repair services that include some noteworthy characteristics such as the following:
A 90-Day Money-Back Guarantee
Most, if not all, of the organizations in the credit repair industry have some form of money-back guarantee, but only Credit Saint provides a complete refund for up to 90 days after the purchase. In the event that Credit Saint does not successful in having some of the negative marks erased from your credit history within 90 days, you will receive a full refund of your money. You will not have to haggle with customer support representatives in order to receive your complete refund. It is possible that Credit Saint may provide this program since the firm expects to see results within 90 days — and because the company will not accept you as a customer unless it is confident that it can assist you.
Credit Saint will only provide a complete refund if your credit history has not improved after 90 days of signing up for their services.
You can also disqualify yourself from receiving a refund by not paying your payments on time or by making your credit worse after enrolling in Credit Saint.
A Lower Monthly Fee For Some
The majority of credit restoration programs would cost you at least $100 each month. Credit Saint offers a lower-cost, $79.99-per-month plan that is tailored to customers who want less assistance in restoring their credit. This lower-priced Credit Polish plan, for example, might be an excellent choice if you only have a few of bad things on your credit report. When you sign up for the Credit Polish plan, Credit Saint will additionally charge you a one-time “first work” cost of $99, which is non-refundable.
More expensive plans, such as the Credit Remodel ($99.99 + $99 one-time setup charge), or a Clean Slate plan ($119.99 + $195 one-time price), may be required if you want more active assistance in recovering your credit.
We’ll take a closer look at the plans in the section below.
How Does Credit Saint Credit Repair Work?
For most credit restoration programs, you’d expect to pay at least $100 a month. The $79.99-per-month Credit Saint plan is aimed for consumers who require less assistance in repairing their credit and is priced cheaper than the other plans. This lower-priced Credit Polish plan, for example, might be an excellent option if you only have a handful of bad things on your credit report. Additionally, when you sign up for the Credit Polish plan, Credit Saint will charge you a one-time $99 “initial work” cost.
The Credit Remodel plan ($99.99 + $99 one-time setup charge) and Clean Slate plan ($119.99 + $195 one-time setup fee) are also more expensive options if you want more aggressive credit restoration assistance.
As of 3/31/21, these plans and prices are still valid. More in-depth examination of the proposals will be conducted further down in this section.”
1. Book a Free Consultation
A beginning point is provided by your free credit review with Credit Saint’s financial experts, which you may use to get started with your credit advisors. During this meeting, professionals will go over each of the bad entries on your credit report one by one to determine the cause of the problem. Your experts will next do a credit study to determine the most effective method of removing your bad items. In accordance with the results of this study, Credit Saint will design a credit restoration strategy just for you.
2. Identity Verification
Before you can begin working on your project in earnest, you must first authenticate your identity through email. As part of the application process, you will be required to send an emailed photo of your credit card in order to verify that you are the individual who has requested the credit repair services. Once you have successfully verified your identity, you will be able to access your online account page.
3. Choose a Plan
The next step is to select a monthly payment option. Is it possible for you to get by with Credit Saint’s cheapest plan? Or do you require more intensive treatment in order to improve your credit score? The information you received during your credit consultation in step 1 can assist you in making your decision. Plans range in price from $79.99 to $119.99 per month, with an up-front cost of either $99 or $195 for each plan purchased. These proposals will be discussed in further detail in the next section.
4. Removal of Negative Items
By completing this step, you have officially become a client of Credit Saint’s services. You may relax and let the professionals take care of everything. In collaboration with the credit bureaus, Credit Saint will attempt to get the unfavorable and erroneous items removed from your credit history. This procedure has the potential to boost your credit score over time. Credit Saint operates in cycles of 45 days. As a result, you’ll need to be patient during these periods.
5. Release of a Credit Report
Once the initial 45-day cycle has been completed, the credit bureaus will provide an updated credit report, which will reflect the changes. Afterwards, Credit Saint will utilize the data to update your profile by posting a progress report on your progress. If you decide to continue with the program, the following 45-day cycle will begin immediately after that. If you have excellent credit and wish to cancel, you may do so. Most clients, on the other hand, require at least two cycles to achieve the desired outcomes.
Credit Saint Plan Options
The Credit Saint credit repair programs are available in addition to the free consultation service. They are as follows:
The Polish Plan
It would cost you $99 for your first week of work, which would be invoiced within a week of signing up, and then $79.99 every month after that.
The Polish Plan offers:
- It would cost you $99 for your first week of work, which would be paid within a week of signing up, and then $79.99 every month thereafter.
If you do not see any bad elements eliminated after 90 days (two 45-day cycles), you have the option to terminate at any time or claim a complete refund.
The Remodel Plan
Cost:$99 for the first hour of labor and $99.99 every month after that.
The Remodel Plan offers:
- The following services: Online access to Credit Saint’s resources, Debt validation, Phone help, challenges to late payments, Identity theft repair, challenges to account charge-offs, and other services. Collection agencies face a number of difficulties. Information requests that have been escalated
- Challenges to bankruptcies
- Challenges to repossessions
The Clean Slate Plan
Cost: A one-time price of $195 and a monthly fee of $119.99.
The Clean Slate Plan offers:
- The following services: Online access to Credit Saint’s resources, Debt validation, Phone help, challenges to late payments, Identity theft repair, challenges to account charge-offs, and other services. Collection agencies face a number of difficulties. Information requests that have been escalated
- Challenges to bankruptcies
- Challenges to repossessions Dispute Avalanche: A feature that targets many bad things at the same time, hence expediting the credit restoration process. Affirmation of the validity of decisions
Become a member of Credit Saint
Pros and Cons of Credit Saint
- Payment Protection: Credit Saint’s 90-day payment protection guarantee provides you some assurance that Credit Saint will be able to assist you. Upon completion of two 45-day cycles, if no bad entries have been erased from your credit history, you may request a complete refund. Highly Commended: Credit Saint’s A+ Better Business Bureau rating for the past 13 years says volumes about the company’s connection with its consumers. It is very challenging for a credit repair firm to maintain this level of excellence over time. The ability to discontinue your credit repair plan at any moment without paying additional expenses beyond what you’ve already spent is a significant benefit. Plans that are within reach: Those with a few bad things can choose for the Polish plan, which requires a lesser continuous financial commitment than other industry leaders such as Lexington Law. Excellent Customer Service: Credit Saint’s counselors are knowledgeable and kind. You won’t be able to meet them in person, but you may communicate with them by email, phone, or online chat. Even if you do not contact us, an adviser will contact you once a month to provide an update.
- Credit Saint’s 90-day money-back guarantee provides you with some assurance that Credit Saint will be able to assist you. If no bad entries have been removed from your credit report after two 45-day cycles, you may be eligible for a complete refund. Among the highest-ranking candidates are For 13 years in a row, Credit Saint has maintained an A+ BBB rating, demonstrating the strength of the company’s connection with its clients. Obtaining a constant A+ rating for a credit repair firm is exceptionally challenging to achieve. The ability to discontinue your credit repair plan at any time without paying additional expenses beyond what you’ve already paid is a great feature. The Polish plan is more affordable for those who have a few negative marks on their record since it requires a lower continuous payment commitment than other industry leaders such as Lexington Law. Exceptional Service: The consultants at Credit Saint are knowledgeable and kind. Unlike in person meetings, you may communicate with them by email, phone, or online chat. You will receive a monthly update from an adviser, even if do not contact them.
Is Credit Saint For You?
If Credit Saint LLC evaluates your credit score during your initial consultation and decides to accept you as a client, the organization is confident in its ability to assist you in repairing your credit. Within a few months, you might have the negative marks erased from your credit report, allowing you to take advantage of cheaper interest rates, deposit-free utilities, and hassle-free borrowing should you need a new car or a personal loan once again. Let’s assume you go for the Remodeling Strategy.
You may save thousands of dollars in interest on your next loan if your TransUnion, Equifax, and Experian scores — as well as your FICO score — all improve by 50 points as a consequence of this.
Furthermore, Credit Saint’s A+ BBB rating as well as its 90-day money-back guarantee serve as further evidence of its capacity to assist you.
Credit Saint Credit Repair
Credit Saint is a credit restoration organization whose mission is to assist you in improving your credit score. It accomplishes this by collaborating with you in a variety of ways, including contesting inaccurate information on your credit report and demonstrating how to establish a positive payment history that will help you improve your credit score in the future. Despite the fact that Credit Saint’s services are not free, you will benefit from a 90-day money back guarantee as well as personalized packages that are not available from every other credit restoration firm.
In this Credit Saintreview, we will discuss whether or not this specific credit repair firm is the best choice for you — as well as what makes them stand out from the competition.
Credit Saint plan basics
For your convenience, Credit Saint offers three distinct levels of service from which you may select the one that best suits your financial needs. For each plan, there is a monthly price as well as an upfront first work fee to get things going.
|Plan name||Services included||Pricing (as of Jan. 11, 2021)|
|Credit Polish||Correction or removal of up to five inaccurately reporting items including late payments, identity thefts, charge-offs and collectionsAccess to Experian Score TrackerAccess to Credit Saint Online||$99 first month$79.99 monthly fee|
|Credit Remodel||Correction or removal of up to 10 inaccurately reporting items including late payments, identity thefts, charge-offs, collections, bankruptcies, and repossessionsAccess to Experian Score TrackerAccess to Credit Saint Online||$99 first month$99.99 monthly fee|
|Clean Slate||Correction or removal of an unlimited number of inaccurately reporting items including late payments, identity thefts, charge-offs, collections, bankruptcies, repossessions, and public recordsAccess to Experian Score TrackerAccess to Credit Saint Online||$195 first month$119.99 monthly fee|
|Visit Credit Saint|
An overview of Credit Saint
Credit Saint promotes itself as a credit restoration specialist and claims to be among the most aggressive in the industry when it comes to what it has to offer in terms of services. Its headquarters are in New Jersey, and it has been in business for more than 15 years, providing assistance to people all around the country who are seeking to improve their credit score. Credit Saint, like the majority of credit repair organizations, strives to enhance your credit score by disputing inaccurate information on your credit report.
Despite the fact that you can dispute credit report errors and negative information on your own, Credit Saint claims that using its services will give you an advantage because the disputes are submitted by professionals who are familiar with consumer protection laws and who work with the credit bureaus on a daily basis.
Given its long history of offering outstanding customer service, it hopes to put clients at rest so that they would feel comfortable signing up for continued monthly services.
What credit repair services does Credit Saint offer?
With three distinct credit restoration programs to choose from, Credit Saint has something for everyone. Each package has several characteristics that are common to all of them, such as:
- Credit Saint may be accessed through the internet at the following URL: The fully-functional website includes a timetable and progress report, which allow you to keep track of the efforts undertaken on your behalf to enhance your credit. You may also get a credit analysis from your online account page, which will assist you in understanding the important elements impacting your credit score and in learning how to develop habits that will help you build a more favorable credit history. Free access to Experian Score Tracker: Experian is one of the three main credit reporting agencies, and it provides free access to its Score Tracker. With Credit Saint, you may get free access to the Experian Score Tracker, which allows you to see the evolution of your credit score over time. Toll-free telephone assistance is available: If you want assistance from a consumer advocate regarding your problem, you can acquire the assistance you require
- A 90-day money-back guarantee is provided: In the event that you sign up for Credit Saint’s service but do not have any dubious things erased from your credit history, you are entitled to a complete refund under the company’s guarantee. The organization, on the other hand, does not promise that your credit will be totally restored within 90 days.
Some of the most important characteristics that separate one Credit Saint package from another are the sorts of negative information that will be contested and the quantity of inaccurate items that will be challenged by the credit repair service:
- Using the Credit Polish Package, you may repair up to five incorrectly reported issues, including late payments, identity thefts, charge-offs, and collections. The Credit Remodel Package assists you in having up to ten erroneous items erased from your credit report, which includes bankruptcies and repossessions. Using the Clean Slate Package, you may have an infinite amount of wrongly reported things erased from your record, including public records and other forms of data
What we like about Credit Saint
Credit Saint has a number of distinguishing characteristics, including the following:
- Custom disputes: When disputing information on your credit report, Credit Saint pledges to submit custom arguments and escalated information requests to credit reporting agencies, creditors, and lenders on your behalf, as well as to the Federal Trade Commission. It does not send out generic letters in the hopes of having information removed from the system. After carefully considering your explanation, Credit Saint will draft the most persuasive petitions for the removal of bad entries possible on your credit report. Online portal with a wide range of features: Keeping track of your progress and seeing an analysis of the elements impacting your credit score will allow you to choose what measures to take to better your position will be a breeze. You can take advantage of the company’s 90-day guarantee if Credit Saint is unable to erase suspicious material from your credit report. There is minimal danger in testing the service and seeing whether it will help you boost your credit score. You have the right to cancel at any time: You have the right to request that your services be terminated at any time. Your service will continue for the duration of the month in which you have paid, but will be terminated after that. It is not possible to receive a pro-rated refund.
Where Credit Saint could improve
- If both spouses join up for the same credit repair service, some credit repair companies provide a discount, however Credit Saint does not offer this discount. The company does remove the initial setup price if you add a family member who lives in your household, but it does not reduce the monthly expenses for a second person. That implies that if you and your spouse both wish to have bad information removed from your credit records, you will both be required to pay the entire monthly price. There is no mobile app available: While some other credit restoration firms provide iOS and Android apps, Credit Saint only provides access to your internet account. We recommend that you search elsewhere if you want to conduct your credit repair procedure using a mobile device
What Credit Saint customers are saying
Credit Saint has had 0 complaints, according to the Consumer Financial Protection Bureau’s database of complaints, and has obtained an A rating from the Better Business Bureau of New York City. The vast majority of clients who wrote evaluations on the Better Business Bureau website were satisfied with the services provided by Credit Saint. In fact, one client said that Credit Saint helped them improve their credit score by 60 points by removing collections and late payments from their account.
Not every consumer, on the other hand, was happy.
Additionally, that consumer expressed discontent with the company’s automated follow-up calls.
Credit Saint customer service
Credit Saint’s customer service representatives may be reached by phone at 877-63-SCORE or 877-637-2673. You may also sign up for its services on the company’s website.
FAQs about Credit Saint
In addition to providing a 90-day money-back guarantee and unique disputes, Credit Saint is one of the top credit repair firms to work with. As well as having a high rating with the Better Business Bureau, it has received other awards. You should, however, assess if you can handle the chore of disputing bad information on your own rather than paying a monthly charge to a credit repair firm to do it for you before engaging the services of any credit repair organization at all.
Where does Credit Saint do business?
Credit Saint has operations in 43 states and the District of Columbia. Georgia, Kansas, Louisiana, Michigan, Mississippi, Oregon, and South Carolina are the only states where it does not provide services.
How much does credit Saint cost?
You may expect to pay between $79.99 and $119.99 each month for Credit Saint services, depending on whatever credit restoration plan you choose. There is also a one-time setup cost of $99 or $195 for the first month, which varies based on the amount of services you pick.
Does Credit Saint have a money-back guarantee?
Credit Saint provides a 90-day money-back guarantee on all of its products. You can get your money back from a credit repair service if it does not remove any dubious things from your credit history within the given time period, despite the fact that it does not guarantee to cure your credit within 90 days of signing up for it.
Numerous features are available through Credit Saint to assist you in improving your credit, including tailored disputes of false or doubtful information on your credit history, along with tools for analyzing your credit score and tracking progress. Despite the fact that Credit Saint does not have a mobile app and might benefit from greater family discounts, its money-back guarantee and A+ rating with the Better Business Bureau demonstrate that it delivers on its promises for the vast majority of clients who join up.
It can also have a negative impact on the kind of interest rates and loans that you are eligible to receive.
If you’re having trouble with a bad credit score, it could be worthwhile to give Credit Saint a shot.
Christy Rakoczy holds a Juris Doctorate from UCLA Law School, with a concentration in Business Law, as well as a Certificate in Business Marketing from The University of Rochester, where she also earned an English degree.
Her work has been published in publications such as USA Today, MSN Money, CNN Money, and others, and you can read more about her work by visiting her LinkedIn page.
Top 159 Credit Saint Reviews
Top rated reviews are arranged in alphabetical order. Exceptional evaluations Most helpfulMost recentMost helpful This review was brought to your attention through a link. The position of this item on this page may change the next time you come here. How do I know I can trust the information in these Credit Saint reviews? How do I know I can trust the information in these Credit Saint reviews?
- ConsumerAffairs has validated a total of 3,512,360 reviews. We require contact information in order to verify that our reviewers are legitimate. We make use of clever tools to assist us in maintaining the integrity of reviews. Our moderators read all of the reviews to ensure that they are of high quality and usefulness.
Please see our Frequently Asked Questions for additional information about reviews on ConsumerAffairs.com. Page 1 of 1 Reviews range from 0 to 5. The original review was written on November 22, 2021 by Cody of Fleetwood, PA, who is a verified reviewer and verified buyer. Everything about the service I received from the initial phone contact to the last phone call couldn’t have been more professional and courteous. The person that assisted me was really patient, kind, hilarious, and thorough in addressing all of my concerns and explaining everything in a clear and understandable fashion.
- I may have forgotten your name, as I do with all names, but I will never forget how wonderful our conversation was, so thank you very much.:) Keri from Roseville, California sent in this photo.
- What I didn’t anticipate was to meet someone who would become a friend.
- I’m looking forward to getting my life back on track with the assistance of these gentlemen.
- Joe, Your Californian buddy has contacted you.
- Sandra, a resident of Stanford, Kentucky Original review date: August 9, 2021 by a verified reviewer and verified buyer My consultation was conducted in an extremely professional and timely manner.
- My consultant paid close attention to the details of my particular case.
- I am really grateful for the assistance I received while going through this procedure.
The original review was written on May 26, 2021 by Janessa of Lynnwood, WA, who is a verified reviewer and verified buyer.
I invested a significant amount of time and effort into researching which credit repair company or restoration organization would be the greatest fit for my needs.
As a result of calling to obtain some information, I was met with calm and kind assistance from the individual who answered the phone!
Whenever something awful happens, we all have to start somewhere when it comes to reconstructing our lives.
The client guarantee is amazing, and there aren’t many other companies with a success rate as high as this one.
I had the impression that they genuinely cared and took the time to personalize my circumstances in order to assist me develop even more.
I hope that everyone has the opportunity to have the same positive experience with Damien as I had today!
I am quite grateful for his assistance!
See the complete review here.
Buyer who has verified their identity Original review date: April 13, 2021 Andreas was quite helpful; he carefully considered my issues and thoroughly explained everything about Credit Saint.
He appeared to be genuinely interested in assisting me in improving my credit and determining the most cost-effective approach to do it without spending an absurd amount of money over an extended period of time.
Michelle from Fresno, California sent in this photo.
Sabrina did an outstanding job.
I have ambitions for the year 2022, and I’m confident that with their assistance, I will be able to fulfill them while maintaining a better credit rating.
Barry from Jacksonville, North Carolina Original review date: December 23, 2021 by a verified reviewer and a verified buyer My counselor took in all of my information and was on top of my case almost immediately!
The fact is, I should have done this years ago when it seemed like there was no chance.
Hats off and a thousand kudos!
I’m becoming increasingly dissatisfied with the work they’re doing.
There’s nothing wonderful about it.
I was told to assist in getting the account to 50%.
I have not received a call.
The clock has struck twelve.
Christopher, a resident of Orlando, Florida Buyer who has been verified Original review: December 14, 2021The firm phoned me and was really courteous and talked me through everything, including addressing questions as we went.
Briefly summarized: very nice and quite informed.
Buyer who has been verified by the reviewer Date of the original review: December 8, 2021 The individual who assisted me was extremely thorough and knowledgeable in his field.
Very timely and efficient service. The real test will now take place within the specified time limit. I am hoping that they will be able to assist me and challenge the report. Thank you so much for your assistance, Sir! Last
2021 Credit Saint Review: Features, Ratings, Pricing
In business for more than 15 years, Credit Saint is a reputable company that specializes in credit repair and restoration services. The organization has an A+ rating by Better Business Bureau (BBB) and is named number 1 by Consumer Affairs, Supermoney, and Credit Take Off. From a personalized advisory team to tips on building and fixing credit, all Credit Saint reviews are unanimous in their conclusion: the service is effective at expediting credit repair. There is also absolutely nothing to lose because they are offering a money-back guarantee for the first 90 days of your purchase.
So let’s get this party started.
What Is Credit Saint and How Does It Work?
Credit Saint is a reliable organization that has been in the credit repair business for more than 15 years and has a good reputation. It aims to erase bad things from clients’ credit reports as soon as possible, with visible effects as early as the first 90 days of your subscription, or you may obtain a complete refund if you are not satisfied. I looked at more than one Credit Saint review, and they all indicated that it had a high success rate. In order to rebuild their damaged credit, Credit Saint assists consumers who wish to dispute identity theft, errors, misleading or biased information on their credit reports, or unverifiable bad things on their credit reports.
What Can Credit Saint Do For You?
Getting credit repaired is a transparent procedure that takes place in three phases, which you can see in the next section.
After doing a thorough study of your credit history, Credit Saint addresses the issues with which you disagree and develops a customized credit-building strategy for you.
Your credit bureaus will look at your difficulties. and urge creditors to provide evidence that the items they put to your credit history should have been there in the first place. Meanwhile, Credit Saint will be working with you to improve your credit score even further in the near future.
The credit bureaus provide updated credit reports that reflect the modifications that have been made. This information may be found in your Credit Saint account when preparing for new challenges with your team. You will also be given the opportunity to speak with one of their credit restoration professionals or an affiliate at no cost if you are interested in learning more. You will not be obligated to purchase a package if you take advantage of the free consultation. Several clients have stated in their Credit Saint credit restoration reviews that the representatives are not pushy and that they did not feel pushed, which is another reason why they picked this organization.
Credit Saint Restoration Services
The range of services offered by Credit Saint has evolved throughout the years. However, it does not appear to be offering dispute avalanche or escalated information requests anymore, as was the case until recently.
Among the most anticipated new services in Credit Saint’s packages for 2021 are inquiry targeting, creditor interventions, and score tracking. Here is a list of all of them:
|Score tracker||This service allows users to track the progress of theircredit repairwith ease. Namely, there is anonline dashboardyou can use to track your score.||★★★★★ 5/5|
|Inquiry targeting||With this service, Credit Saint is able to target the hard and soft inquiries on a client’s credit reports.||★★★★★ 5/5|
|Challenges to the three credit bureaus||Depending on the package you choose, Credit Saint will send a limited or unlimited number of challenges to all three credit bureaus to make sure yourcredit scoreis the same with every.||★★★★☆ 4/5|
|Creditor interventions||With creditor intervention, Credit Saint contacts the creditors and tries to persuade them to remove a negative mark or not to send a client’slate paymentsinformation to the credit bureaus.||★★★★★ 5/5|
|Experian monitoring||The Experian monitoring keeps track of the daily activity on a client’s credit report to make sure no fraudulent activities occur.||★★★★★ 5/5|
|Items challenged||Many reviews I checked praisethe fact there is a vast range of items challenged, such aslate payments, identity thefts, charge-offs, collections, bankruptcies, repossessions,liensand judgments||★★★★★ 5/5|
|Security||Credit Saint uses SSL (secure socket layer) encryption, along with a variety of other methods to keep their network, servers, software, and web applications safe and secure.||★★★★★ 5/5|
|Customer support||Credit Saint credit restoration customer reviewsconfirm that exceptional customer support and knowledgeable agents are yet another reason for Credit Saint’s good reputation.||★★★★★ 5/5|
|Cancellation policy||Credit Saint has a flexible cancellation policy that allows all users to cancel at any time they wish.||★★★★★ 5/5|
Ease of Use
It’s quite simple to get started with Credit Saint’s fast credit repair and to get your credit back on track. To get started, all you have to do is complete four simple steps to join up with them. How to go about it is as follows:
- Step 1: Open the Credit Saint website. To join up, go to the get started page and follow the instructions. Specify the information needed on the ‘Get Started’ page by filling out the form.
- Step 2: After that, choose your service level. Step 3: Provide your payment details. The fourth step is to finalize any legal agreements and submit them
This is our Credit Saint credit repair evaluation. Once you’ve settled in, the team will collaborate with the main credit bureaus to dispute unfavorable and incorrect items, as well as erroneous data on your credit reports, as evidenced by the following: The organization will offer you a full report outlining any unfavorable marks, such as late payments, foreclosure, charge-offs, and debt collection actions taken against your account. You may choose which debts to contest and which debts to seek debt relief assistance from debt relief firms.
This will assist you at the beginning of your road to establishing creditworthiness.
Credit Saint Pricing
Three distinct sorts of credit restoration service packages are available to users to pick from. This is due to the fact that Credit Saint thinks that there is no such thing as a one-size-fits-all solution. There are three service packages available, each with a distinct level of credit repair aggressiveness.
|Credit Polish||Credit Remodel||Credit Clean Slate|
|Aggressiveness: Medium Monthly fee: $79.99 per month||Aggressiveness: High Monthly fee: $99.99 per month||Aggressiveness: Very High Monthly fee: $119.99 per month|
| This package includes:
|| The second one includes everything from the first one and:
||The most popular one has everything from the previous two.|
It is important to remember, however, that the number of things challenged every dispute cycle changes depending on the plan chosen, starting with 5 items for the Credit Polish, 10 items for the Credit Remodel, and an infinite amount of items for the Clean Slate. They operate on a 45-day cycle. Customers will get a progress report at the conclusion of each credit repair cycle, which will include credit reports from all three credit agencies, allowing them to monitor their progress. If the cost of credit restoration services in Credit Saint appears to be prohibitively expensive, but you still want a loan, you might look into some of the guaranteed loans for those with terrible credit.
Credit Saint Ratings and Reviews
Customer service, (speed)credit repair procedure, and openness are all praised by clients in evaluations on review platforms such as ConsumerAffairs, Trustpilot, and Yelp, which gives me a basic picture of how they feel about the services. The disappointment is mostly due to the high cost of the service, which includes the setup charge, as well as the inability to deliver any results within the claimed 90-day timeframe in certain circumstances. The thin line separating the positive and negative Credit Saint reviews can be found in the 90-day money-back guarantee, which most clients think is worth taking advantage of when it comes to credit restoration.
Credit Saint has a high 5-star rating on ConsumerAffairs, and despite having a 3-star rating on Trustpilot, it is still considered to be one of the top credit restoration services on the market.
Credit Saint Alternatives
It goes without saying that Credit Saint is not the only credit repair firm available. You can see how it does when compared to its competitors in the table below.
|Credit Saint||Free consultation||Expensive||Effective removal of negative items|
|Credit Saint vsSky Blue Credit||No charge for 6 days||No choice of packages||People who aren’t sure what kind of service they need|
|Credit Saint vsLexington Law||No initial fees||May charge for additional reports||Affordable prices|
|Credit Saint vsThe Credit People||Affordablecredit repair cost||Not as good for more complex issues||Discounts and sign-up bonuses|
The quickness with which Credit Saint eliminates several bad entries from users’ credit reports is the distinguishing trait that distinguishes Credit Saint from its competitors, and it is worth repeating. Aside from the company’s cost, there have been essentially no complaints about Credit Saint.
Is Credit Saint Worth It?
In the credit repair industry, Credit Saint is regarded as one of the most dependable, open, and reliable firms. It boasts an amazing service catalog, which includes three credit restoration plans that cater to a variety of consumer kinds and requirements. With the 90-day money-back guarantee, you have nothing to lose but your displeasure if you are dissatisfied with the services you receive from them. In the meanwhile, reviews for Credit Saint such as this one might assist you in making an informed decision about whether or not to engage with them.
Where Credit Saint Dominates
|PROS||Excellent online transparency|
|Free non-obliging consultation|
|90-day money-back guarantee|
|Flexible cancellation policy|
|Exceptional customer service|
Where Credit Saint Falls Short
In the credit repair industry, Credit Saint is regarded as one of the most dependable, open, and reliable firms. In addition to a comprehensive service catalog, it offers three credit restoration plans tailored to meet the specific requirements of different client kinds and wants. With the 90-day money-back guarantee, you have nothing to lose but your displeasure if you are dissatisfied with the services provided. In the meanwhile, reading reviews of Credit Saint, such as this one, can help you make an informed decision about whether or not to do business with them.