How to Cancel Credit Saint
Not satisfied with Credit Saint? Or maybe the deed is done and it's time to say goodbye. Read on for how to cancel Credit Saint.
 |
Credit Saint challenges and disputes the credit bureaus for negative items that impact your credit score.
But, say you've reached the day when your credit is better. Or maybe you realized that credit repair isn't working out for you.
You can end Credit Saint's service with the help of this guide. Plus, discover alternatives you can try to repair your credit at the end.
Credit Saint Cancellation Process
To cancel your package with Credit Saint, call them on the phone at 877-637-2673. They're available from 09:00 AM to 07:00 PM EST Monday through Friday.
However, cancellation is subject to your contract terms. The service agreement you signed during enrollment contains the guidelines regarding cancellation.
Credit Saint challenges the credit bureaus regarding inaccurate items like late payments, collections, or foreclosures on your credit reports. On top of that, Credit Saint offers creditor interventions to correspond with your creditors on your behalf.
Cancelling after 3 months? You might just get your money back. Here's how.
90-Day Money-back Guarantee
Once you sign up, you are protected by a 90-day money-back guarantee. If Credit Saint doesn't remove any questionable items for the first 90 days, you can request a full refund.[1]
However, your refund request is subject to terms and conditions:
- Eligibility only starts on Day 91, and you can only get your refund if you haven't canceled your service.
- You have made all payments on time.
- You don't add or cause a new derogatory trade line to your credit report once you start your service.
- You've faxed, emailed, or sent proof of identity (like a copy of your driver's license or SSN card) to Credit Saint within 5 days of signing your agreement.
- You agree to give Credit Saint 30 days to verify your request.
Fulfilling your refund request can take a few weeks. Credit Saint needs to review any current disputes with the credit bureaus and audit your account.
Also, refund requests are only valid from Day 91–120 from the receipt of your first payment to Credit Saint. You waive your 90-day money-back guarantee after 120 days.
Although there's a set period to be eligible for refunds, it doesn't mean you can't opt out of the service at any time.
Can you cancel Credit Saint anytime?
Yes, you can cancel Credit Saint anytime without worrying about fees and penalties. But note that there are terms and conditions in your service agreement about cancellation.
Also, Credit Saint can't pro-rate your payment, so your account will remain active until your current payment cycle ends.
Reasons to Cancel Credit Saint
It may be time to cancel your service if you are currently finding yourself in any situation below:
- You aren't happy with Credit Saint
Each client will have a different experience with Credit Saint. It's a large company with thousands of clients. If you are unsatisfied, you can cancel the service. - It's hard to keep up with the fees
Credit Saint can cost $139.99/month. Plus, initial working fees are either $99.00 or $195.00. It can be costly to keep up with your credit repair package.[2] - Your credit has improved
If your credit score is excellent and no negative items impact your credit reports, Credit Saint has already helped you. It's time to bid farewell! - Other companies are a better fit for your needs
Credit repair companies offer different features for their packages. You may prefer a more aggressive company, companies offering credit builder options, or packages with couples pricing. - You want to take matters into your own hands
You can do the DIY route if you want to be more hands-on with improving your credit. Remember, nobody else is more invested in improving your credit than you!
Credit Saint packages cost $79.99, $109.99, and $139.99 per month.[2] You also need to pay an initial working fee of $99.00 or $195.00.[3]
Read on for what other clients have to say about their experience with Credit Saint.
Credit Saint Customer Reviews
Credit Saint has over 12,500 reviews on Google, with an average rating of 4.8 out of 5 stars.[4]
Clients comment on Credit Saint's excellent and responsive customer service. In Diego's case, Credit Saint had the initiative for a cancellation.
On the other hand, this isn't the case for Aya. Credit Saint made the cancellation complicated.
Remember that credit repair takes time. It can take 6–12 months to see significant improvements to your credit score due to removals in your credit reports.
Yes, Credit Saint can remove charge-offs. If you have a charge-off that isn't yours, is too old to be in your credit report, or contains inaccurate information, Credit Saint disputes the credit bureaus for its removal.
Credit Saint Alternatives
If Credit Saint doesn't fit your needs, you can consider some of the best credit repair companies below:
Lexington Law
Lexington Law offers one credit repair package at $139.95/month.[5] It's a law firm that specializes in disputing the credit bureaus, just like Credit Saint.
Apart from offering a more affordable service, Lexington Law features Focus Tracks. These are tailored credit repair solutions that help you in unexpected life events like divorce, student debts, or medical bills.
However, unlike Credit Saint, Lexington Law doesn't have a 90-day money-back guarantee. This means you can't request a refund once you start your service.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Sky Blue Credit
Sky Blue Credit offers individual and couples plans ranging from $79–$149/month.[6]
The first work fee costs the same as the monthly fee, and you will be billed 6 days after your enrollment.[7] Plus, you're protected with a 90-day satisfaction guarantee.
Additionally, Sky Blue Credit specializes in Mortgage Preparation. If you are preparing to purchase your home or refinance your current mortgage, Sky Blue Credit can help maximize your chances of getting approved for a loan.
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
DIY credit repair
You can also choose to repair your credit yourself. Remember, there is nothing credit repair companies do that you can't do. This way, you get to be more hands-on with your credit.
You can get your weekly free credit reports from AnnualCreditReport.com. Then, review all transactions and entries. If you find inaccurate items, write a dispute letter to the credit bureaus.
That said, it's best to prepare and strategize to get the most removals from your disputes.
Bottom Line
Sometimes, credit repair isn't working out for you, and canceling is the only way to go! You can end your service with Credit Saint by calling 877-637-2673.
However, you can only call them to cancel from Monday to Friday during limited hours: between 09:00 AM and 07:00 PM EST.
Afterward, you can work with another credit repair company or dispute the credit bureaus by yourself. The alternatives may save you more money in the long run.
References
- ^ Credit Saint. Credit Saint 90-Day Money-Back Guarantee, Retrieved 05/26/2024
- ^ Credit Saint. Packages, Retrieved 05/26/2024
- ^ Credit Saint. Packages, Retrieved 04/05/2024
- ^ Google Reviews. Credit Saint LLC, Retrieved 03/24/2024
- ^ Lexington Law. How much does Lexington Law cost?, Retrieved 05/30/2024
- ^ Sky Blue Credit. Member Pricing, Retrieved 05/26/2024
- ^ Sky Blue Credit. FAQs: What is the cost?, Retrieved 05/26/2024
Write to Alex Mambaje at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
|
|
| ||||||
|
|
|
