Credit Saint Cost
Credit Saint's packages start at $79.99/mo. But it's not the only fee to consider. Read on to know how much you need to budget.
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Credit repair companies can be expensive. With Credit Saint, you may end up paying more than $100/mo.
Not to mention, the initial working fees can cost twice as much as the monthly fees. So how much cash do you need to set aside?
You'll find out after reading this article. Read on.
What is Credit Saint?
Credit Saint is a credit repair company that has been around since 2004. It has helped over 200,000 clients over the past 2 decades since it started.
It disputes the credit bureaus for inaccurate items like outdated collections or missed payments that aren't yours. This way, you get the chance to improve your credit over time.
That said, how much will Credit Saint cost you, exactly?
How much does Credit Saint charge?
Credit Saint offers 3 credit repair packages and charges the following fees:[2]
| Credit Repair Package | Price Per Month | Initial Working Fee |
|---|---|---|
| Credit Polish | $79.99/month | $99.00 |
| Credit Remodel | $109.99/month | $99.00 |
| Clean Slate | $139.99/month | $195.00 |
You'll be charged the initial working fee within 5 days of enrollment. You'll pay the monthly fee on the same day of the month that you paid for your initial working fee.
Note that Credit Saint's fees are on the pricier side. To put things into perspective, Clean Slate has the highest initial working fees among other credit repair companies.
Is the cost of Credit Saint worth it? To answer that, here are the services you'll get with the money you'll be shelling out.
Credit Saint packages
| Clean Slate | Credit Remodel | Credit Polish | |
|---|---|---|---|
| Challenges to the 3 credit bureaus | ✓ (Unlimited) | ✓ | ✓ |
| Score analysis and tracker | ✓ | ✓ | ✓ |
| Creditor intervention letters | ✓ | ✓ | ✓ |
| Track inquiries/checks/pulls to your credit | ✓ | ✓ | — |
| Personalized guide to credit building | ✓ | ✓ | — |
| Receive your credit reports and credit scores regularly | From Experian, Equifax, and TransUnion | From one credit bureau only | — |
Looking for the best value for your money? Besides disputing credit bureaus, Credit Saint also offers additional ways to build credit with Clean Slate.
In this package, Credit Saint reports your monthly fee payments to the 3 credit bureaus. This could add positive transactions to your account, which can help improve your credit over time.
On top of that, Clean Slate lets you sign up for a program to qualify for loans. You can also browse through available Rent-to-Own homes and get assistance for additional creditor interventions.
Not satisfied with Credit Saint's packages? You may just be able to get your money back upon cancelation.
90-Day Money-Back Guarantee
You are protected with Credit Saint's 90-day money-back guarantee if Credit Saint hasn't removed any negative item from your credit reports.[3]
You can request a full refund for your initial payments, subject to the following terms and conditions:
- Refund eligibility only starts on Day 91 of your service
- You've paid your fees on time
- You don't add or cause any new derogatory trade lines
- You email, fax, or send proof of identity (like a copy of your driver's license or SSN card) within 5 days of signing your service agreement
- You agree to give Credit Saint 30 days to verify your request
It may take a few weeks to get your refund back. Credit Saint will audit your account for removals and review any ongoing disputes with the credit bureaus.
Additionally, refund requests must be made within 91–120 days from the receipt of your first payment. Once you go past 120 days, you waive the 90-day money-back guarantee.
The money-back guarantee can help increase your confidence in Credit Saint as a company. But if you're still in doubt, you can check out how Credit Saint is a legitimate company in this article.
How does Credit Saint work?
Credit Saint offers a free consultation. You can discuss your current situation with a credit specialist and then:
- Sign up for a package and set up your online account. Then, view your free credit report.
- Credit Saint also reviews your credit reports and analyzes the items and entries.
- Credit Saint sends a dispute letter to the credit bureaus for inaccurate items.
Once you enroll with Credit Saint, you will be given an online account. You can view the Time Line tab and Progress Report tab to view the disputes.
Don't be surprised if it takes a while, however. Disputes can take time. Read on to know how long you can expect to wait.
How long does it take Credit Saint to fix your credit?
You may start seeing changes to your credit report in 45 days since each dispute can last that long. Credit bureaus have 30 days to investigate your dispute and get an extra 15 days for additional evidence or supporting documents.[4]
That said, Credit Saint cannot guarantee the results of disputes. But the money-back guarantee can protect your payments in case there are no questionable items removed from your credit reports.
Also, remember that all your current debts and monthly payments affect your credit score. Realistically, it can take 6 months to 1 year to see significant changes to your credit.
Bottom Line
Credit Saint packages cost:
- Credit Polish: $79.99/mo; $99.00 initial working fee
- Credit Remodel: $109.99/mo; $99.00 initial working fee
- Clean Slate: $139.99/mo; $195.00 initial working fee
The cost can be worth it since Credit Saint has professionals who can do credit repair aggressively.
It has 2 decades of experience and has helped thousands of clients improve their credit. Plus, you have a 90-day money-back guarantee regardless of your package.
References
- ^ Google Reviews. Credit Saint LLC, Retrieved 03/22/2024
- ^ Credit Saint. Packages, Retrieved 03/23/2024
- ^ Credit Saint. Credit Saint 90-Day Money-Back Guarantee, Retrieved 05/26/2024
- ^ CFPB. If a credit reporting error is corrected, how long will it take before I find out the results?, Retrieved 05/26/2024
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
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.
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