Is Credit Saint Legit

Various scams plague the credit repair industry, but Credit Saint claims to be legit. Is it trustworthy? Read this guide to find out.

The credit repair industry is prone to scams and fraudulent business practices.

Over the years, the CFPB has ordered several credit repair companies to pay back millions in damages to clients.

However, Credit Saint continues to offer professional services to consumers. Are they credible?

Read on and learn what Credit Saint does and if it's worth trusting.

Is Credit Saint a legit company?

Yes, Credit Saint is a legitimate company that has helped more than 200,000 clients since 2004. It has accreditation and A- rating from the Better Business Bureau.

On Google, Credit Saint has over 13,000 reviews, with an average rating of 4.8 out of 5 stars.^[1] Over 90% of Credit Saint's clients see improvements in the first 90 days of their service.^[2]

Plus, if you end up unsatisfied, you can benefit from Credit Saint's 90-day money-back guarantee. You can request a full refund subject to the terms and conditions of the service.

Free Credit Repair Consultation

Click Here to Get Free Consultation

📞 1-888-527-2076

To help you decide if it's worth a shot, here are the pros and cons of working with Credit Saint.

Pros and Cons

Pros:

• More than 2 decades of experience
  
• Free consultation
  
• Unlimited disputes
  
• 90-day money-back guarantee
  
• No initial working fee for an additional family member
  
• Cancel anytime without fees
  
• Educational content on credit and finance

Cons:

• Highest initial working fee (compared to other companies)
  
• Not available in all states
  
• No guarantee that your credit score increases
  
• Improvements are not instant

What does Credit Saint do for you?

Credit Saint is a credit repair company that challenges credit bureaus. Professionals send dispute letters to remove inaccurate items that are impacting your credit, such as:

• Collections
  
• Late payments
  
• Foreclosure
  
• Charge-offs
  
• Bankruptcy
  
• Judgments
  
• Repossessions
  
• Liens

What's more, Credit Saint can send intervention letters to your creditors. This way, you can appeal to creditors for goodwill and remove negative items affecting your credit.

Keep in mind that credit repair can take some time. So a "delay" doesn't always mean the company isn't legitimate.

How long does it take for Credit Saint to work?

It can take up to 45 days before you can see changes in your credit report. The credit bureaus have 30 days to investigate your dispute and an extra 15 days if you send additional documents.^[3]

As a result, each dispute can take up to 45 days to resolve. Here's the step-by-step process to help you understand the full picture.

1. You schedule a free consultation with Credit Saint and discuss your credit with an expert.
   
2. You set up an online account to get your free credit report.
   
3. A credit specialist reviews your credit report for issues or inaccurate items.
   
4. The credit specialist sends disputes to credit bureaus and creditors.

You can view the timeline and progress report in your online account. This way, you get to track your disputes.

Since credit repair may take a while, you'll want to prepare the following budget.

How much does Credit Saint charge?

Credit Saint has 3 credit repair packages with the following fees:^[4]

Credit Saint will charge your initial working fee 5 days from your enrollment. You'll pay the monthly fee on the same day of the month that you paid for your initial working fee.

Here's what you'll get based on your chosen package:

Clean Slate and Credit Remodel packages offer personalized guides to credit building. That way, you can get recommendations on other ways to improve your credit on top of Credit Saint's disputes.

What's more, Clean Slate reports all your fee payments to the 3 credit bureaus. This is great if you want to add more positive transactions to your credit reports. This can help build your credit over time.

Not sure if paying for these services will be worth it? Credit Saint's money-back guarantee can give you more confidence.

90-Day Money-Back Guarantee

Credit Saint offers a 90-day money-back guarantee. So, you're entitled to a full refund if you don't see questionable items off your credit reports within 90 days of the start of your service.

However, the guarantee comes with some strings attached. You will only be eligible for a refund if:^[5]

• You pay fees on time.
  
• You don't add new tradelines that can cause negative marks on your credit report.
  
• You've sent proof of identity (copy of SSN card or driver's license) within 5 days from the start of your program.
  
• Refund requests must be made between 91 and 120 days from your first payment to Credit Saint.

If you request a refund, you need to give Credit Saint 30 days to approve and return your payments. This way, they can check for the results of any ongoing disputes with the credit bureaus.

If you continue the service after 120 days, you waive the 90-day money-back guarantee. You'll no longer be eligible for refunds.

Credit Saint Reviews and Complaints

Credit Saint generally has positive ratings and reviews. It has an average rating of above 4 out of 5 stars from ConsumerAffairs, Better Business Bureau, and Google Reviews.

Additionally, many clients talk about excellent customer service. Support is patient and confident. They also take the time to explain Credit Saint's services.

Many clients eligible for the money-back guarantee got their payments back as well. Take a look at Brandon's case, for example.

However, there are several complaints in Credit Saint's BBB profile. One client complained about the cancellation process.

That said, Credit Saint responds to all types of BBB complaints, such as refund requests, or dissatisfaction with their service. It also tries to provide resolutions to these issues.

If you think Credit Saint can be worth your while, here's how you can get started.

How to Open an Account

To sign up for Credit Saint's packages, you can:

1. Go to the sign-up page.
   
2. Fill in your first name, last name, address details, phone number, and email.
   
3. Select your credit repair package and enter your payment information.
   
4. Sign your service agreement and finish your enrollment.

If you're signing up with another family member, don't forget to check the box for additional family members. That way, additional members aren't charged an initial working fee.

Bottom Line

Credit Saint is a legit company that offers 3 credit repair packages. To top it off, you get an extra layer of protection for your payments through its 90-day money-back guarantee.

Keep in mind that it can take 6–12 months to get rid of many inaccurate items. Not to mention, all your current entries and transactions in the credit report affect your credit score, too. It's best to allot some time to get to an optimal credit score.

You can read our full review of Credit Saint to further help you decide if it's the right credit repair company for your needs.

Free Credit Repair Consultation

Click Here to Get Free Consultation

📞 1-888-527-2076

References