Credit Saint Review

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Reviewed by: Ricky Ingram
  • Consistently ranked as the top service on finance sites
  • Offers unlimited challenges per dispute cycle
  • Tailors services and disputes to each situation
  • One-to-one inquiry assist process
  • BBB Accredited
BBB Rating: A-
Setup fee: $99-$195
Monthly fee: $80-$120
Pros
  • 90-day refund policy means a worry-free service
  • Offers education on other ways to optimize scores
  • Intuitive dashboard for tracking challenges
  • Responds to complaints with care and attention
Cons
  • Setup fees are above industry rates
  • Only available in 39 states

There is something scary about looking at your credit report and finding items that you do not find justified or valid. As odd as it may sound, this is a pretty common problem yet very few people know what to do about it. And a credit repair company may come to the rescue.

According to an FTC report, about 20 percent of people in the country have at least one inaccuracy on their report. This means there are more than 40 million reports to take care of.

These errors can impact your score and lead to issues in the future. Think about a loan that you never took but it appears on your report due to an administrative error.

Fortunately, there are ways to remove incorrect items. You can get in touch with a credit repair company like Credit Saint and have them do the job for you.

There are many credit repair firms out there and if you search for the best credit repair companies, you will definitely come across Credit Saint credit repair. But are its programs worth a try? We’ll find out in this Credit Saint review and answer all questions you may have about the company.

What is Credit Saint?

Credit Saint is a repair company that was established in 2004 with the sole purpose of ‘helping Americans fix their shaky credit histories.’

Headquartered in New Jersey, the company is considered reliable and enjoys a good standing. You will find many Credit Saint reviews on the Internet. For instance, you can check reviews on Credit Saint on Google Reviews. The results are processed in order to detect spammy and fake feedback. So far, over 1,000 people have left comments and they maintain a 4.4/5 rating.

It is one of the few companies that have an A+ Better Business Bureau rating. Plus, it is BBB accredited with very few complaints under the belt.

Credit Saint BBB rating shows that the company is reliable and loved by people. However, we must mention that it does not make any promises to boost your score or help you reach a certain number.

This shouldn’t be considered a drawback since no company in this niche can make such promises. They only facilitate the process but they don’t control what gets removed.

How does Credit Saint Work?

Credit Saint does a simple job – it reviews your credit report and addresses factors that can impact it. Go to the official site, sign up for an account, pay the fee, and the company will get to work right away.

How does Credit Saint Work

It disputes things like inaccuracies and late payments after thoroughly analyzing reports and identifying items that can be removed.

In addition to this, there are several other issues that the company can take care of on your behalf. These include:

Credit Saint works by preparing custom arguments for each item and can help increase your credit score to help you get more loans at an affordable rate and enjoy a better financial life.

The company utilizes a mail-based disputing system and provides an intuitive user portal for progress verification and corresponding with the team. The online account page also allows clients to submit any feedback forwarded by the bureaus.

In addition to credit repair, the company advises clients on how to improve their score and what other factors can influence it. For example, if your report shows your credit utilization to be too high, they might suggest you diversify or go for a new line of credit.

According to a Javelin report, about 17 million Americans faced identity theft in 2017 alone and the number hasn’t decreased in the last fast years. People lost more than $16 billion due to these cases and the problem is only increasing.

Most Credit Saint credit repair reviews agree that the company can help you solve this issue as it offers identity theft protection with repair services.

You will have a certified and experienced established agent assigned to your case who will work with you to get these negative items removed.

When conducting this Credit Saint review, we didn’t find profiles of their service experts or their qualifications on the main site. The company’s LinkedIn profile shows that they have about 43 employees. The team members are mainly based in New Jersey and the New York Metro Area. It’s a great place to see their office photos too.

 

Pros and Cons of Credit Saint

Credit Saint comes with both pros and cons. Here are some of the main advantages of choosing this repair firm:

  • You can choose from a variety of repair plans according to your requirements and budget.
  • All plans come with a reliable 90-day money-back guarantee. This means you will get your money back if the company fails to remove any inaccurate items from your report within 90 days of signing up.
  • Credit Saint BBB rating is pretty impressive. The company has maintained an A+ rating for 13 years making it one of the most reliable credit repair firms.
  • All plans are flexible with the option to cancel anytime. There are no incurring fees, which means you will not have to worry about signing up for a long period of time.
  • The company offers excellent customer support and the agents are very friendly.
  • You will find excellent online resources on the platform to help you know more about how credit scores work and what you can do to have an impressive score.
  • The company goes the extra mile to help clients have a strong credit score by offering free consultation and great tips.

Credit Saint money-back

With some pros come some cons; here they are:

  • The company charges a high initial work fee – up to 195 cases based on the plan you have selected.
  • The cheapest plan comes with several limitations including only five disputes per billing cycle of 45 days.
  • The company is available in a limited number of states and residents of South Carolina, Kansas, and Georgia cannot access it.
  • Credit Saint prices are a little on the higher side especially in comparison to alternatives.

Credit Saint complaints and positive reviews

Let’s start with positive Credit Saint reviews, and they’re literally everywhere you look.

positive Credit Saint google review

Their latest feedback as of July 8, 2021, is a 4-star rating. The customer seemed to be fresh from signing up and expressed that they had a good conversation with Jordan, a company rep. The client liked that Jordan recommended a plan that was suitable for his needs. He also stated that he didn’t leave a 5-star rating because the company kept asking for verification, which he said that he had already done.

creditsaint positive review

In this second featured feedback, the client said that she received help from a phenomenal agent who was “kind, patient, and understanding.” She said she was planning to choose another provider but selected Credit Saint credit restoration services because of how the agent handled her questions and concerns.

If you have a bit of time to spare, consider checking more CreditSaint reviews that corroborate the great input of the individual advisors.

Not all Credit Saint reviews are positive. The service has accumulated about 47 complaints on its BBB.org page in the last three years. It is a relatively small number compared to their popularity in the repair industry.

We were curious how these negative CreditSaint.com reviews were handled.

CreditSaint.com complaints

In this highlighted review, the client complained about not seeing any removal but getting charged for the service.

Credit Saint responded by saying that a manager had reached out to the client after confirming that there were removals for his account. The team even sent his day one and final-day credit report showing the positive changes after their repair process.

They further stated that their 90-day refund policy applies to customers who have not seen any removals. For some complaints, they were willing to offer refunds. Generally, the service doesn’t have as many complaints on their BBB.org page as competing services like Lexington Law.

Credit Saint Prices

Credit Saint has developed packages at different prices to cater to a broad range of customers regardless of their budget. Now, if Credit Saint fees are out of your reach, keep in mind that it’s possible to replicate the same results. Challenge credit bureaus without help by writing and sending letters or using their online dispute centers. Credit Saint also discloses that it’s possible to file challenges individually in the service contract, as required by the Credit Repair Organizations Act. You can choose from three plans. Here are the details:

Credit Saint packages

Credit Polish Plan

The cheapest plan starts as low as $79.99. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account. Despite being the cheapest plan, it comes with comes impressive features including:

  • Access to online access
  • Debt validation
  • Late payments challenges
  • Account charge-offs challenges
  • Collection agencies challenges
  • Phone support
  • Identity theft repair

You will have the option to cancel anytime or apply for a full refund if the company fails to remove any item within 90 days of account opening.

The Credit Model Plan

The mid-level plan starts as low as $99.99. However, you will also have to pay a $99 first-work fee that is charged within 7 days of opening an account.

This is said to be one of Credit Saint’s most popular plans and it comes with the following features:

  • Access to online access
  • Debt validation
  • Late payments challenges
  • Account charge-offs challenges
  • Collection agencies challenges
  • Phone support
  • Identity theft repair
  • Requests for escalated information
  • Bankruptcies challenges
  • Repossessions challenges

You will have the option to cancel anytime or apply for a full refund if the company fails to remove any item within 90 days of account opening.

The Clean Slate Plan

People who spend a lot can consider this plan as it is the company’s most expensive plan starting at $119.99 a month. If you choose this one, you will also have to pay the first-work fee of $195.

  • Access to an online account
  • Debt validation
  • Late payments challenges
  • Account charge-offs challenges
  • Collection agencies challenges
  • Phone support
  • Identity theft repair
  • Requests for escalated information
  • Bankruptcies challenges
  • Repossessions challenges
  • Judgments challenges
  • Dispute Avalanche – designed to make things faster

You will have the option to cancel anytime or apply for a full refund if the company fails to remove any item within 90 days of account opening.

Credit Saint Alternatives

As mentioned earlier, there are many companies offering similar services. So, shopping around for credit repair firms is highly advised. But make sure that you are reviewing companies that provide an equivalent level of service.

Stay clear of any firms that may be making wild claims, such as the ability to boost your scores by 100 points in two weeks. Also, note that no company can remove legitimate items from a credit report.

When going over Credit Saint’s services, one thing that stands out is that they don’t make such promises. The only claim to dispute nonfactual information in the credit report. Let’s compare Credit Saint and some of its competitors to see which one’s better.

Credit Saint vs Lexington Law

Lexington Law is one of Credit Saint’s major competitors. The company is unique because it compromises solicitors with experience in the niche. However, it doesn’t come with a guarantee. Lexington Law has accumulated about 674 complaints on its BBB.org page in the last three years. They are not accredited and have a C rating. Additionally, Credit Saint has not been involved in any lawsuits brought about by disgruntled customers or the Consumer Financial Protection Bureau (CFPB). Lexington Law is currently engaged in a lawsuit for the alleged breach of telemarketing practices by the Progrexion brand, being its member. Regarding the Credit Saint cost, Lexington Law is not cheaper as its packages are similarly priced.

Here’s a comparison chart to help you understand all the differences between the two companies:

Credit Saint Lexington Law
Year Founded 2004 1991
Upfront Charges $99 to $195 $89.95 to $129
Guarantee 90 days No
Starts as Low As $79.99 per month $89.95 per month
Most Expensive Plan $119.99 per month $129.95 per month

Credit Saint vs The Credit Pros

Launched a few years after Credit Saint, The Credit Pros has featured on the list of the 5,000 fastest-growing companies in the U.S. for five years in a row. Their cheapest plan goes for $69, which means that you’ll pay less than if you got the Credit Saint’s Credit Polish package at $79.99. However, The Credit Pros has a top plan that is more expensive than Credit’s Saint’s most aggressive package.

On the subject of feedback, reviews on Credit Saint generally focus on the exceptional help provided by the customer representatives. The Credit Pros doesn’t boast of the same high regard, even though they claim to work with a team of FICO-certified experts.

While both companies are BBB accredited, Credit Pros has a current rating of B+. Credit Saint offers a 90-day money-back guarantee, while The Credit Pros doesn’t make any refund promises.

Here’s a comparison chart to help you understand all the differences between the two companies:

Credit Saint The Credit Pros
Year Founded 2004 2009
Upfront Charges $99 to $195 $119 to $149
Guarantee 90 days Up to 45 days
Starts as Low As $79.99 per month $69 per month
Most Expensive Plan $119.99 per month $149 per month

Credit Saint vs Creditrepair.com

Creditrepair.com is an old company that is known for being very affordable, but it doesn’t offer all the features Credit Saint does. For instance, the company lacks a service guarantee. Credit Saint customers know that they can get their money back if there have been no removals in 90 days.

Creditrepair.com maintains an advantage when it comes to tools and technology. It leverages digital partnerships to facilitate electronic disputes and provides personal finance tools in its mobile app.

Here’s a comparison chart to help you understand all the differences between the two companies:

Credit Saint Creditrepair.com
Year Founded 2004 1997
Upfront Charges $99 to $195 $69.95 to $119.95
Guarantee 90 days No
Starts as Low As $79.99 per month $69.95 per month
Most Expensive Plan $119.99 per month $119.95 per month

Credit Saint vs Sky Blue

Sky Blue is one of the oldest repair companies. While it is pretty reliable and popular, it doesn’t have a very good BBB rating, unlike Credit Saint. On the positive side, it offers only one package at $79 per month with a corresponding setup fee of $79. So, compared to Credit Saint, it’s a cheaper option.

Here’s a comparison chart to help you understand all the differences between the two companies:

Credit Saint Sky Blue
Year Founded 2004 1989
Upfront Charges $99 to $195 $79
Guarantee 90 days 90 days
Starts as Low As $79.99 per month $79
Most Expensive Plan $119.99 per month $79
BBB Rating: A-
Setup fee: $99-$195
Monthly fee: $80-$120

FAQ

Credit Saint has a 45-day repair cycle. Most customers begin to see results within 45 days but it can take two cycles (90 days) for some complex cases. Customers receive regular updates on progress to ensure they’re fully aware of what’s happening.

On the positive side, you will get 100% of your money refunded if the company fails to remove any item within 90 days of signing up given that you’ve made full payment and you meet every other requirement given on the official website.

Credit Saint can improve it by removing items that appear incorrect due to issues such as administrative errors, calculation errors, etc. However, we must mention that Credit Saint does not make any such promises and there is no guarantee that the removal of any item will cause your credit score to improve.

On the positive side, the company provides full support to clients and offers tips on how they can improve their credit rating.

Yes, Credit Saint is a legal company offering services in most parts of the country. Most reviews for Credit Saint mention that the company is fully registered and provides services that it is legally allowed to offer.

The company appears to be doing well in this department. They have a polished team of professionals that understands the business well. Unfortunately, live chat is not available right now but you can get in touch with the team via email or the ticketing system or phone that is available 5 days a week.

You will need to talk to the agents if you wish to cancel your plan or ask for a refund. The agents are friendly and you will not have to wait for hours to get connected to one, which is a great thing.

Mailing address:

250 Pehle Ave #200, Saddle Brook, NJ 07663, United States

Phone number:

+1 877-637-2673

Is Credit Saint a Good Credit Repair Company?

Our stance is that it’s a great company to work with and most Credit Saint reviews from past customers validate this position. Better Business Bureau accredited businesses, like Credit Saint, must adhere to high standards for ethical business practices. They must make a reasonable faith effort to resolve grievances raised by customers.

Credit Saint’s cost is justified by its amazing features, including the reliable money-back guarantee. The company goes beyond the scope of a traditional credit repair services provider by offering excellent resources and free consultation, which can be a great way to get started. It has one of the best guarantees in the industry, which can be a great reason to give it a try.

If you’re in doubt about the best way to proceed, visit their website and call the support number for a free credit consultation. During the session with a rep, ask all pressing questions about repairing bad credit and errors.

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