Credit Saint is a reputable company that has been providing credit restoration services for more than 15 years. The firm has an A+ rating by Better Business Bureau (BBB) and is ranked number 1 by Consumer Affairs, Supermoney, and Credit Take Off.
From a personal advisory team to tips on building credit, all Credit Saint reviews are clear — the service makes for a fast credit repair. Besides this, there is absolutely nothing to lose as they offer a 90-day money-back guarantee.
In today’s Credit Saint review, we’ll focus on:
- Credit Saint Services
- Pros & Cons
- Support
- Pricing
So, let’s get started, shall we?
Credit Saint Restoration Services and Pricing
Credit Saint helps customers restore their damaged credit by challenging identity theft, inaccuracies, misleading, biased, or unverifiable negative items on their credit reports. It does this by providing you with three different types of credit repair service packages. It is because Credit Saint believes that there is no one size fits all. The three service packages for credit disputes include:
- The Credit Polish Package
This is a basic package designed to help clients clean up minor issues on their credit report.
- The Credit Remodel Package
This package is highly advanced. It includes everything but the dispute avalanche process. It is suitable for those who have some items such as repossessions or bankruptcies to address.
- The Clean Slate Package
Clean Slate, as the name suggests, is the most comprehensive package that addresses all challenging credit items.
Below is the breakdown of the services offered in each of the three packages with service pricing. Take a look:
As you can see in the table, the first work fee is the same for the first two packages (Credit Polish and Credit Remodel) which is $99, but it is slightly higher for the Clean Slate package costing a total of $195. The monthly fee is $79.99 for the Credit Polish package, $99.99 for the Credit Remodel package and $119.99 for the Clean Slate package.
Credit Saint Additional Services
At the end of each credit repair cycle, clients will receive credit reports from all three credit bureaus to track their progress.
| Credit Polish | Credit Remodel | Clean Slate |
| Includes work associated with correction or removal of 5 inaccurately reporting items. | Includes work associated with correction or removal of 10 inaccurately reporting items. | Includes work associated with correction or removal of unlimited inaccurately reporting items. |
Ease of Use
It’s fairly easy to get set up and start using the Credit Saint credit solutions. All you need to do to begin is to sign up with them in four easy steps. Here’s how to go about it:
- Step 1. Click on the get started page to sign up. Provide information as requested in the form on the ‘get started’ page.
- Step 2. Next, select your service level.
- Step 3. Enter payment information.
- Step 4. Confirm legal agreements and submit them.
Our Credit Saint process review showed that once you settle in, the team will work cohesively with the major credit bureaus to challenge negative items and erroneous data on your credit reports. The company will send you a detailed report identifying negative items such as late payments, foreclosure, charge-offs, and debt collections. You can decide which to dispute.
You will also receive a personalized plan on ways to improve your credit score. This will help you begin your journey to building creditworthiness.
Security
The company meets all the industry standards designed to safeguard the client’s confidential data. Credit Saint uses SSL (secure socket layer) encryption, along with a variety of other methods to keep their network, servers, software, and web applications safe and secure.
Moreover, their staff maintains organizational security measures for client data safety. Rest assured, your personal information is never emailed anywhere.
Pros & Cons
Credit Saint offers a simple procedure to help people clean up their credit by identifying, and challenging; inaccurate items on their credit reports. Apart from that, below are some of the many things that make working with Credit Saint a top option.
Pros
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Excellent Online Transparency:
The company provides clear terms of service, credit laws, pricing, and disclaimers on their official website. Unlike other firms, they are transparent about their credit repair procedure and items challenged, leaving no room for ambiguities.
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90-Day Money-Back Guarantee
The company provides a 90-day warranty. This means that you can claim a full refund within three months of signing up if you don’t see any progress or results in your credit.
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Award-Winning Customer Service
With Credit Saint, you can enjoy quality customer service via phone, email, and online chat. You can contact a credit consultant through a toll-free number.
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Online Account Page
As a client, you get an online account where you can view the status of inaccurate items removed from their credit reports and see positive credit score results.
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Cancellation Policy
The company provides you with the option to cancel the service at any time. So, no matter which package you have, you can cancel the service whenever you want with no additional charges or per diems.
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A+ BBB Rating
Credit Saint is one of the few companies in the industry with an A+ rating from BBB.
Cons
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Limited Availability
Their services are not accessible to people in South Carolina. This means that if you reside in the Palmetto State, then you will have to find an alternative provider.
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Higher First-Time Work Fee
Credit Saint’s first-time work fee is somewhat higher than the market average. However, it is worth every dollar spent.
Credit Saint Customer Reviews & Ratings
Credit Saint BBB Rating
The company is A+ rated by BBB since 2007 due to its length of time in business, policy transparency, pricing, and proper BBB complaint handling. Credit Saint BBB has an average customer rating of 3.5, which in the industry is pretty high.
Credit Saint Consumer Affairs Rating
The Consumer Affairs rating of Credit Saint is near perfect with 4.7 stars. It has thirty-eight 5 star reviews, four 4 stars, one 2 stars, and three 1 star reviews.
Overall Review Feedback
- Excellent customer service
- Prompt bad items identification and removal
- Speedy credit score improvement
- Transparency in every domain
Overall Reported Issue
The Credit Saint complaints we came across referred to a high credit repair cost.
Credit Saint VS. Competitors
Credit Saint vs. Sky Blue Credit
In terms of competition, Credit Saint is a leading service provider. When compared to Sky Blue, Credit Saint wins with a free consultation.
Credit Saint vs Lexington Law
When compared to Lexington Law, Credit Saint is rated A+ from BBB while Lexington Law has a C rating and just over two stars out of five. This is based on 314 customer reviews.
Wrap-Up
Credit Saint is one of the trusted, transparent, and reputable credit repair companies. It has an impressive service catalog with three packages for varying customer types and needs. The 90-day money-back guarantee is a great advantage as you can try out their services with nothing to lose but your dissatisfaction. Credit Saint reviews such as ours meanwhile can help you make an informed decision whether to work with them or not.
FAQs
Does the company assist with legal matters?
Yes. It is your right to ensure that all items on your credit reports are accurate. If information is inaccurate, then as a consumer you can request to remove the wrong information. It is your legal right to dispute inaccuracies and challenge them. This is exactly what Credit Saint helps you with.
Does the company have any pending regulatory action?
No. It doesn’t.
What is the average credit repair program duration?
As every case is unique and different thus, the duration of the credit repair program is variable. The process can be lengthy or shortened depending on your situation.
Is there a referral program in place?
No. There isn’t any referral program so far.
Does Credit Saint offer a money-back guarantee?
Yes, they offer a 90-day money-back guarantee. You are eligible for a full refund if you don’t see negative items removed from your credit reports within 90 days of starting the process.
Does Credit Saint offer any discounts for family members, military, students?
Although the company does offer discounts, Credit Saint reviews suggest that they are occasional. However, there are no present discounts for signing up with friends or family, or as a military member, or a student.
What are Credit Saint customer service hours?
Credit Saint serves clients 24×7 via online chat, email, and toll-free support service.
