Credit Saint Review
Do you need professionals to repair your credit? Check Credit Saint, a reputable company that helps remove inaccurate items and improve your credit report.
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Free Credit Repair Consultation | |||
Overall Score | 3.8 | ||
Monthly Fee | 3.5 | ||
First Work Fee | 2.0 | ||
Credit Bureau Disputes | 5.0 | ||
Creditor Interventions | 5.0 | ||
Credit Score Update | 5.0 | ||
Credit Building Tools | 5.0 | ||
Money Back Guarantee | 5.0 | ||
Identity Theft Protection | 0.0 | ||
Pros and Cons
- 90-day Guarantee
- Cancel anytime
- First work fee discounts
- High first work fees
- Expensive packages
- No mobile apps
Bottom Line
Experienced credit repair company but on the expensive side
Credit repair is a long, confusing process. For some, it takes years to see a change in their credit score.
You can't do this on your own. Sometimes, it makes more sense to turn to professionals before you do more damage to your credit.
That's where a credit repair company comes in. And Credit Saint is just that.
Find out how the company works, its packages, and how other credit repair services differ.
What is Credit Saint?
Credit Saint is a company of experienced credit counselors that repair your credit. Professionals will analyze your credit report and dispute any negative items to credit bureaus and creditors.
Credit Saint can dispute for you these negative items:
- Collections
- Late payments
- Foreclosures
- Charge offs
- Bankruptcy
- Judgments
- Repossessions
- Liens
Let's break down what exactly they can do for you.
Yes, Credit Saint is a real company offering credit repair services since 2004 and it is accredited by the Better Business Bureau. It has helped over 200,000 clients and offers 3 packages ranging from $79.99 to $139.99 monthly.[1]
How Does Credit Saint Work?
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Below are some things Credit Saint can help you with:
- Review and verify items in your credit report
- Spot and analyze errors and negative items
- Challenge credit bureaus and lenders on your behalf
- Remove inaccurate information as a result of identity theft
- Advise you on how to improve your credit
Credit Saint's process is simple. Here's how they work:
- Sign up for a free consultation online with Credit Saint. Choose the best package for your needs.
- Set up your online portal and get your credit reports.
- Credit Saint specialists will review your credit reports.
- Credit Saint will send dispute letters to the credit bureaus and your creditors.
Credit Saint will send updates through your portal account. It's best to check regularly so you can monitor your progress, see changes in your credit reports, and track your credit score.
Credit Saint can take up to 45 days to get results on each dispute. However, Credit Saint offers a 90-day money-back guarantee. If Credit Saint can't remove any questionable items from your credit reports within 90 days of your enrollment, you can request a refund for your payments.
Who is Credit Saint best for?
You can sign up for Credit Saint's services if:
- You have many negative items on your credit reports
Credit Saint disputes the main credit bureaus for outdated items that are still in your credit reports, inaccurate items, or items that aren't yours. - You want to rebuild your credit over time
Credit Saint can report your payment to the credit bureaus, which add more positive items to your payment history. Plus, they offer a personalized guide to building credit.
Credit Saint offers credit repair and credit building. You aren't limited to disputing and removing negative items. However, Credit Saint may not be for everybody, and here's why.
Who should skip Credit Saint?
You should skip Credit Saint if you don't have the budget to shell out as much as $139.99/month.
Not to mention, the initial working fees are higher than the monthly fees and Credit Saint charges them less than a month from your date of enrollment.
Another thing: Credit Saint services aren't available in South Carolina, Kansas, Oregon, Maine, and the District of Columbia.
Pricing and Fees
Credit Saint packages have varying features, services, and cost. They come with monthly fees and initial working fees.
Here's what you can get from each of them:[1]
| CREDIT POLISH | CREDIT REMODEL | CLEAN SLATE | |
|---|---|---|---|
| Price (per month) | $79.99 | $109.99 | $139.99 |
| Initial Working Fee | $99.00 | $99.00 | $195.00 |
| Challenges to Credit Bureaus | ✔ | ✔ | ✔ |
| Score Analysis | ✔ | ✔ | ✔ |
| Score Tracker | ✔ | ✔ | ✔ |
| Creditor Intervention Letters | ✔ | ✔ | ✔ |
| Inquiry Targeting | — | ✔ | ✔ |
| Personalized Guide to Credit Building | — | ✔ | ✔ |
| Report Payments to Credit Bureaus | — | — | ✔ |
Credit Saint's price points are no joke. These suggestions may help you decide on which plan to go for.
- Credit Polish
This plan is for people who need a minimally aggressive approach with only a few items to dispute. You can also opt for it if you haven't recently applied for credit cards or loans. - Credit Remodel
This next plan is for people who need a moderately aggressive approach. Credit Saint dives deeper into creditors who did a hard credit inquiry, which stays on your credit reports. - Clean Slate
Lastly, this plan is more suited for people who need a very aggressive approach to improve credit since it features credit repair and credit building. Clean Slate gives you unlimited disputes and payment reporting to the credit bureaus.
Yes, you can cancel Credit Saint at any time paying for cancellation fees or charges. You can call Credit Saint at 877-637-2673 to request for cancellation. However, note that Credit Saint cannot pro-rate payments.
Features
Each package has different feature inclusions. Let's talk about what those features actually mean.
- Challenges to Credit Bureaus
Credit Saint disputes inaccurate items in your credit reports to Equifax, Experian, and TransUnion. - Score Analysis
Credit counselors will break down your credit report and spot things affecting your credit score. - Score Tracker
Credit Saint provides Experian monitoring to help you track real-time changes in your online account. - Creditor Intervention Letters
Credit Saint will send cease-and-desist letters, goodwill requests, or dispute letters, to your lenders, banks, or collection agencies to potentially remove your item. - Inquiry Targeting
Credit Saint will dig deeper to ensure no other irrelevant creditors, like lenders, banks, or credit card issuers, are inquiring about your credit. - Personalized Guide to Credit Building
Credit Saint will give you advice and guide you on how you can build your credit. - Report Payments to Credit Bureaus
With Clean Slate package, Credit Saint reports your monthly payments to Equifax, Experian, and TransUnion. This can improve your payment history gradually.
Credit Saint offers Inquiry Targeting to help identify and remove fraudulent or unauthorized inquiries to your credit. However, legitimate inquiries will remain in your credit report and Credit Saint cannot remove them.
Now that you know what they can do for you, let's clear up some things about Credit Saint.
Credit Saint Is Not…
Credit Saint offers a lot of services to improve your credit report. Although, there are many things it cannot do.
Credit Saint is not:
- A free service
Credit Saint only offers a free consultation. The credit repair packages are not free! When you choose Credit Saint, you are not only paying for the package fee. In fact, you also pay an initial working fee to use these credit repair services. - A guarantee to increase credit score
Credit Saint offers you a 90-Day Money-back Guarantee to provide peace of mind. You are entitled to a full refund if you do not see some incorrect items removed within 90 days. That said, it's still not guaranteed that your credit score will increase right away. - A quick way to change your credit report
Beware of credit repair companies that offer immediate results to your credit report. Verifying items alone already takes a lot of time. So will disputing agencies and credit bureaus. Give at least 30–45 days for each item you will dispute.
Now that you know who they are and who they are not, here are some pros and cons with Credit Saint. These may help you decide if you should opt for their service.
Credit Saint Pros
Why should you go for Credit Saint? Here are a few reasons:
- 90-Day Money-back Guarantee
Although Credit Saint does not promise an increase in credit score, this guarantee may help ease your mind. The company can delete inaccurate items from your credit reports within 90 days. If you don't see such changes or deletions within that timeframe, you can request a full refund. - Free credit consultation
Credit Saint offers new users a free consultation. Access the free consultation by signing up with Credit Saint. - Free first work fee for additional sign-ups
Sign up another family member in your household, and you won't need to pay another initial working fee. Pay only the package fee for the other family members in your online account on top of yours. - Cancel anytime without fees
Do you feel that Credit Saint is not the company for you? Cancel your package anytime without worries. But keep in mind that canceling or not paying for the first 90 days of the program voids the 90-Day Money-back Guarantee.
Credit Saint Cons
Next, let's talk about the downsides of going for Credit Saint.
Here are reasons why it may not be for you:
- High initial working fees
Credit Saint has expensive initial working fees. For Credit Saint's Clean Slate, its initial working fee costs more than its monthly fee.Want to find out the true cost of credit repair?
Each company has its payment structure which may include different fees or charges. Read more about the costs of credit repair. - Non-refundable fees for paid active cycle
Credit Saint cannot refund you for an active cycle. Once the 90-Day Money-back Guarantee passes and there are removals in your report, you can no longer ask for refunds.Credit Saint can't prorate paid fees in your active cycle. You can wait until your cycle ends and cancel your package. - Credit Saint is not available in all U.S. locations
Unfortunately, Credit Saint is not available in all states. It does not offer services to residents of South Carolina, Kansas, Oregon, Maine, and the District of Columbia. - No mobile app
Credit Saint does not have support for mobile applications. Other credit repair companies, such as Dovly and The Credit Pros, have Android and iOS apps.
Is Credit Saint worth it?
Credit Saint is worth it if you want to maximize your payments and time in making your credit better. Unlike most companies, Credit Saint offers credit building and credit repair features.
Clean Slate may be one of the most expensive packages around. But Credit Saint disputes the credit bureaus and reports your monthly payments, simultaneously improving your credit reports.
What's more, their 90-day Money-back Guarantee may even prove their confidence in their work. You can request a refund if Credit Saint hasn't successfully removed items from your credit report.
Credit Saint Customer Reviews
Credit Saint has an average rating of 4.8 out of 5 stars on Google (over 12,500 reviews). The most common feedback praises Credit Saint's customer service and credit counselors.[2]
Many customers point out how patient, polite, and sympathetic Credit Saint was to their financial situations.
Maybe you've been convinced by this praise or the pros of Credit Saint. Here's how to move forward with them.
How to Open a Credit Saint Account
Credit Saint has a simple sign-up process. Register for a service level by going to the Get Started page. Fill out your basic information, choose a package, and add your payment method before hitting the FINISH tab.
Don't worry about putting in your sensitive information online. Credit Saint takes security and privacy seriously. The company encrypts and protects information. It also maintains high security standards on its website.
Is Credit Saint legit?
Yes, Credit Saint is a legit credit repair company based in New Jersey. They have been in business for more than 2 decades and have helped over 200,000 clients with their credit.[3]
Credit Saint is accredited by the Better Business Bureau. And it has an A rating on their site.[4] Credit Saint also responds to customer complaints and offers resolutions to clients in the platform.
How to Contact Credit Saint
Credit Saint has several contact details and social media accounts. Keep in touch with Credit Saint through:
Phone: 877-637-2673[5]
Email: support@creditsaint.com
Official social media accounts: Facebook, Twitter, LinkedIn
Address: Credit Saint, LLC, PO Box 110, Oakland, NJ 07436
Well, what if you're moved by the cons instead? Let's talk about some alternatives.
Credit Saint Alternatives
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You are not limited to Credit Saint. You may even find more than one credit repair company in your area. Let's compare Credit Saint to other top credit repair companies in the U.S.
Credit Saint vs. The Credit Pros
The Credit Pros has been in business for over 12 years. It is the most similar to Credit Saint and also offers credit building options in its highest package.
The Success Plus package includes a credit building program. The Credit Pros is a partner of National Credit Direct and features a $5,000 tradeline.
You can use this tradeline to shop in the site and add more positive transactions to your credit reports. However, make sure you pay your purchases on time to improve your payment history.
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
Credit Saint vs. Lexington Law
Lexington Law is one of the top credit repair companies in the industry. It has been in the business for over 19 years and has helped removed over 83 million negative items from its clients' credit reports.
Lexington Law offers one premium package at $119.95/month.[6] You get the assistance of experienced attorneys and paralegals for:
- Disputing the credit bureaus
- Corresponding with creditors
- Inquiry assists
- Score analysis and credit reports
- Real-time alerts for changes in your credit
- Identity theft insurance
To add, Lexington Law features Focus Tracks in case you experience unexpected life events like divorce or medical emergencies. Lexington Law will tailor-fit solutions to focus more on the negative impact of these events on your credit.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Credit Saint vs. Sky Blue Credit
Sky Blue Credit has been in the industry since 1989. This credit repair company operates like Credit Saint. Sky Blue Credit will verify and dispute negative items affecting your credit score.
The difference is, Sky Blue offers couples pricing. You can sign up with your spouse or a family member, and pay lower every month.
Sky Blue Credit's specialty is mortgage preparation. So if you're looking to buy your first home or you want to refinance your mortgage, Sky Blue Credit can help improve your credit and make it more optimal to apply for a home loan or new mortgage.
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
Bottom Line
Credit Saint is not the most affordable service for credit repair. And there are other budget-friendly services out there.
Although, it has received many positive reviews from its previous clients. So, if budget is not an issue, go for it.
The company knows what they are doing, and they have outstanding feedback on its customer service. It may just be the key to enhancing your credit in the next few months.
References
- ^ Credit Saint. Packages, Retrieved 06/09/2024
- ^ Google Maps. Credit Saint LLC, Retrieved 06/09/2024
- ^ Credit Saint. Why Credit Saint?, Retrieved 06/09/2024
- ^ BBB. Credit Saint, LLC, Retrieved 06/09/2024
- ^ Credit Saint. FAQs, Retrieved 06/09/2024
- ^ Lexington Law. Our Services, Retrieved 06/09/2024
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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