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:
So, let’s get started, shall we?
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:
This is a basic package designed to help clients clean up minor issues on their credit report.
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.
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.
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.|
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:
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.
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.
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.
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.
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.
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.
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.
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.
Credit Saint is one of the few companies in the industry with an A+ rating from BBB.
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.
Credit Saint’s first-time work fee is somewhat higher than the market average. However, it is worth every dollar spent.
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
Overall Reported Issue
The Credit Saint complaints we came across referred to a high credit repair cost.
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.
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.
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.
No. It doesn’t.
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.
No. There isn’t any referral program so far.
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.
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.
Credit Saint serves clients 24×7 via online chat, email, and toll-free support service.