Credit Saint

Credit Saint Overview

Credit Saint is a credit repair company based in New Jersey and was founded in 2004. The company made it its mission to help people learn about credit in general and all the ways they can have and keep a healthy credit score. Based on customer reviews, Credit Saint's services are reliable and helpful.

The company was accredited by the Better Business Bureau (BBB) in 2007 and given an A. And ever since, it has maintained its rating. With more than 1000 customer reviews on Google Reviews, the company has a 4.4/5 rating. Moreover, Credit Saint was given the title of the number one credit repair company in 2021 by Observer.

One thing you need to know is that the company does not guarantee to boost your score or help you achieve certain goals or numbers. However, it is worth mentioning that no credit repair company will make any promises in regard to that; all companies will promise to do everything they can to help you, but guarantees are never made.

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How Does Credit Saint Work?

Credit Saint's main job is to help people by repairing any damaging items that are negative or inaccurate on their credit reports. Moreover, if there are misleading or biased claims on your credit report, badly affecting your credit score, Credit Saint's team can challenge that and work on raising your credit score.

The whole process of getting your credit repaired is simple and straightforward; all you have to do is the following:

Step #1: Get a free consultation

The first thing you need to do is call Credit Saint at 1-877-637-2673 to talk to an advisor. The advisor will review your credit history, evaluate your situation, and discuss any negative item on your credit report with you. After that, the advisor will be able to determine and let you know whether or not you qualify for Credit Saint's credit repair program.

Step #2: Pick a plan

A great thing about Credit Saint is that it offers its customers a number of plans regarding credit repair rather than limiting them to one plan to fit all situations, which is the case for most other credit repair companies. You can choose between three plans: Credit Polish, Credit Remodel, and Clean Slate.

Each one of these plans offers different levels of service, different features and benefits, and different fees and prices. Every plan requires a one-time initial fee and a monthly payment later on. Above all, Credit Saint offers a 90-day money-back guarantee all throughout the credit repair process.

Step #3: Start working with Credit Saint to get your credit repaired

After getting the consultation and choosing the plan you want, Credit Saint's team will get right on with repairing your credit. While working on repairing your credit, they will also give you a personalized plan to help you boost your credit score in an independent program.

Credit Saint's credit repair plan is a cycle that runs over 45 days. At the end of each cycle, their team will update your progress by sending you reports, telling you which negative items have been successfully removed from your report and which ones are still on it.

You will also have access to an online dashboard where you can track your progress in real-time. This feature will give you unlimited access to Credit Saint's credit repair advisors and specialists, as well as customer support options for you to get help from their team at any time.
 

What Kind of Negative Items Can Credit Saint Repair?

As mentioned before, Credit Saint works on repairing your credit report by removing anything that is not supposed to be on it.

The types of negative items that can be removed are:

• Late payments
• Charge offs
• Collections
• Repossessions
• Judgments
• Inquiries
• Foreclosure
• Liens
• Bankruptcies

While we know that you do hope Credit Saint's credit repair program can completely wipe away every credit from the past, this is not the case. The company makes it clear that they will do their best to remove only the items that should not be on your report. However, Credit Saint is completely on your side and wants what is best for you; their team will do everything in their capacity to help you.

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Credit Saint Plans and Costs

All of the following plans require initial fees that are needed to get you started on repairing your credit. In addition to that, every plan comes with a 90-day money-back guarantee.

Credit Polish: $79.99/month

The Credit Polish plan is the most basic plan and the least expensive one among the three. This plan requires an initial setup fee (one-time fee or first work fee) of $99 as well as a monthly payment of $79.99. This plan is ideal for you if you need basic repair and cleanup for your credit report.

Overall, this plan offers:

• Challenges to the 3 Credit Bureaus
• Score Analysis
• Creditor Interventions
• Score Tracker
   

Credit Remodel: $99/month

This plan includes every service that is included in the Credit Polish plan. In addition to that, this plan adds inquiry targeting as well as Experian monitoring. 

The Credit Remodel plan is a great option for you if your credit has been affected by a lot of inquiries on your report. In addition to that, if your credit has been affected by identity theft or if you are concerned about being a victim of that issue, having Experian monitoring as part of your plan will help you by immediately notifying and warning you if any changes happen to your credit report caused by fraud or theft.

This plan also helps you by challenging repossessions and bankruptcies as part of its advanced requests. The Credit Remodel plan also requires a one-time payment for the first work at $99 and a monthly payment of $99.99.
 

Clean Slate: $119.99/month

This plan is the most complex and advanced plan among all and is designed for you if you have extremely bad credit.

The Clean Slate plan includes everything you can find in the Remodel plan, including the escalated information requests (repossessions and bankruptcies). This plan also includes an advanced feature called Dispute Avalanche. Dispute Avalanche is vital in repairing your bad credit as quickly as possible, as it challenges every negative item on your credit report at the same time rather than doing them individually. This plan also challenges judgments as part of the program. For this plan, you will need to pay $195 for the initial payment and a monthly payment of $119.99.

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Customer Support

Credit Saint offers pages dedicated to providing frequently asked questions in regards to almost every single question you may have about credit repair and Credit Saint's services in particular.

However, if you still can't find an answer to your question on the website, you can reach out to their customer service at 1-877-637-2673 or by filling the online ticket on the website and waiting for their team to contact you back as soon as possible.
 

Final Verdict

Credit repair companies help fix your credit reports by eliminating any negative items from your report and building your credit score eventually. Credit Saint is our top pick for a credit repair company in the industry, keeping in mind the quality of their services, the flexibility of their plans, and their affordable prices.