You might be able to improve your credit score on your own. This is a viable option. Hiring a professional credit repair company, on the other hand, will save you time, headaches, and possibly even money because a company can fix your bad credit much more quickly.
Whether you require a credit polish or a full credit restoration, Credit Saint is one of the best credit repair companies in the United States.
This review should assist you in determining whether you should repair your credit with Credit Saint, another credit repair company, or on your own.
Credit Saint Company Review
Credit Saint was founded in 2004 with the goal of assisting Americans with their shaky credit histories. This company is well-liked in the industry, with many reviews putting it at the top.
Since 2007, Credit Saint has maintained an A+ rating with the Better Business Bureau. Given the frustrations of bad credit and credit repair projects, this is no easy task.
Credit Saint’s transparency and its 90-day money-back guarantee, which we’ll discuss next, can be credited for some of this customer satisfaction.
Standout Features of Credit Saint
Credit Saint, as a market leader, provides effective credit repair services that include the following features:
A 90-day money-back guarantee is included.
Most, if not all, credit repair companies offer some sort of money-back guarantee, but only Credit Saint offers a full refund for up to 90 days.
If Credit Saint is unable to remove some of the negative marks from your credit history within 90 days, you will receive a full refund.
You won’t have to fight customer service representatives to get your full refund. This program is offered by Credit Saint because it expects to see results in 90 days and because it won’t take you on as a client unless it’s confident it can help you.
It’s important to understand that this isn’t a simple “customer satisfaction” refund. Credit Saint will only issue a full refund if your credit score has not improved within 90 days of signing up. You will not be eligible for a refund if you are unhappy for any other reason, or if you simply regret signing up.
After signing up with Credit Saint, you can also disqualify yourself from this refund by missing payments or making your credit worse.
Of course, you can cancel at any time and for any reason without incurring any additional charges.
For some, a Lower Monthly Fee
Most credit repair services cost at least $100 per month.
Credit Saint offers a $79.99-per-month plan for those who require less assistance in repairing their credit. If you only have a few negative items on your credit report, for example, you could opt for the Credit Polish plan, which is less expensive.
When you sign up with the Credit Polish plan, Credit Saint also charges a one-time $99 “first work” fee. Although the monthly fee is lower, you will still receive excellent service from industry experts, as well as a 90 days money-back guarantee.
If you need more aggressive help you restore your credit, you may acquire a more expensive plan, such as the Credit Remodel ($99.99 plus $99 one-time setup fee) or the Clean Slate ($119.99 plus $195 one-time fee). As of 2/26/21, these plans and prices are still valid. We’ll take a closer look at the plans below.
How Does Credit Saint Credit Repair Work?
You’ll need to follow these simple steps to get started with your credit repair with the help of Credit Saint’s experts.
1. Schedule a No-Obligation Consultation
Your free credit evaluation with Credit Saint’s advisors provides a starting point for you — and your credit advisors. Experts will go over the negative items in your credit score one by one during this consultation.
Your advisors will then conduct a credit analysis to determine how to best remove your negative items. Credit Saint will create a credit repair plan for you based on the results of this analysis.
2. Verification of Identity
You’ll need to confirm your identity via email before getting started in earnest. To do so, send an emailed photo of your credit card to verify that you are the person who has requested credit repair services.
You can access your online account page after successfully confirming your identity.
3. Make a Strategy
The next step is to select a monthly plan. Can you live on Credit Saint’s cheapest plan? Or do you require more aggressive treatment to improve your credit score?
The information you gathered during your credit consultation in step one can assist you in making your decision. Plans range in price from $79.99 to $119.99 per month, with a $99 or $195 up-front fee for each.
These plans will be discussed in the following section.
4. Elimination of Negative Elements
By completing this step, you have officially become a client of Credit Saint’s services. You can relax and let the professionals handle everything. Credit bureaus will work with Credit Saint to have any negative or inaccurate information on your credit report removed. This procedure can help you improve your credit score over time.
Credit Saint operates on a 45-day schedule. As a result, you’ll need to be patient during these periods.
5. Credit Report Publication
After the first 45 days have passed, the credit bureaus will issue an updated credit report. Credit Saint will then update your profile with a progress report based on these findings.
If you want to continue with the program, the next 45-day cycle will begin. You can cancel your subscription if you have good credit. Most clients, however, will require at least two cycles to see the desired results.
Credit Saint Plan Options
Credit Saint offers three credit repair plans in addition to its free credit consultation:
The Polish Strategy
Cost: A $99 first-work fee will be charged within a week of signing up, followed by a $79.99 monthly fee.
The Polish Plan includes the following features:
- Credit Saint’s resources are available online.
- Validation of debts
- Support over the phone
- Issues with late payments
- Recovering from identity theft
- Account charge-offs are a difficult problem to solve.
- Collection agencies face difficulties
- If you don’t see negative items removed after 90 days (two 45-day cycles), you can cancel at any time or request a full refund.
The Remodeling Strategy
Cost: $99 for the first work and $99.99 per month after that.
- The Remodel Plan includes the following features:
- Credit Saint’s resources are available online.
- Validation of debts
- Support over the phone
- Issues with late payments
- Recovering from identity theft
- Account charge-offs are a difficult problem to solve.
- Collection agencies face difficulties
- Information requests that have been escalated
- Bankruptcies are being challenged.
- Repossessions’ Obstacles
The initial work fee is $195, with a monthly fee of $119.99.
The Clean Slate Plan
The Clean Slate Plan includes the following benefits:
- Credit Saint’s resources are available online.
- Validation of debts
- Support over the phone
- Issues with late payments
- Recovering from identity theft
- Account charge-offs are a difficult problem to solve.
- Collection agencies face difficulties
- Information requests that have been escalated
- Bankruptcies are being challenged.
- Repossessions’ Obstacles
- Dispute Avalanche: A feature that simultaneously attacks negative items and speeds up the credit repair process.
- Objections to Judgments
Credit Saint’s Advantages and Disadvantages
Advantages:
- Money-Back Guarantee: Credit Saint offers a 90-day money-back guarantee to ensure that you get the help you need. You can get a full refund if no negative items were removed from your credit history after two 45-day cycles.
- Credit is highly ranked. Saint has maintained an A+ BBB rating for the past 13 years, demonstrating the company’s commitment to its customers. Consistently earning this rating is especially difficult for a credit repair company.
- Flexible Cancellation: You can cancel at any time your credit repair plan and not be charged any additional fees.
- Affordable Plans: Those with a few minor flaws can opt for the Polish plan, which requires a smaller ongoing financial commitment than other industry leaders like Lexington Law.
- Excellent Customer Service: Credit Saint’s advisors are friendly and helpful. You won’t be able to meet them in person, but you can communicate with them via email, phone, or online chat. Even if you don’t contact us, we’ll call you once a month to give you an update.
Disadvantages
- Not all states have this option. These credit repair services are not available to residents of Georgia, Kansas, or South Carolina.
- Fees for the first job are quite high. The first-work fees at Credit Saint start at $99. This is a high setup fee by industry standards. Credit Saint, on the other hand, is less expensive in the long run if you choose the Polish plan.
- Is Credit Saint a Good Fit for You?
- Credit Saint LLC knows it can help you repair your credit if it analyzes your credit score during your initial consultation and agrees to take you on as a client.
Final Thoughts Credit Saint Reviews
You could have the negative marks removed from your credit history in as little as a few months, giving you access to lower interest rates, no-deposit utilities, and no-hassle borrowing when you need a new car or a personal loan.
Assume you select the Remodel Plan. Over the first 90 days, you’d pay around $400.On your next loan, you could save thousands of dollars in interest if your TransUnion, Equifax, and Experian scores as well as your FICO score improved by 50 points as a result.
These potential financial benefits are self-evident. Credit Saint’s ability to assist you is further demonstrated by its A+ BBB rating and 90-day money-back guarantee. If Credit Saint agrees to assist you, we recommend that you go with them.