Credit Saint Review

Credit Saint review Reviews

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.

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:

  • Late payments
  • Charge-offs
  • Identity theft
  • Bankruptcies
  • Liens
  • Collections
  • Repossessions
  • Judgments

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

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.

They work 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.

In addition to this, 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.

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 Prices

You can choose from three plans. Here are the details:

Credit Saint packages

The 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 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 Customer Service

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

Credit Saint Alternatives

As mentioned earlier, there are many companies offering similar services. 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.

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 $0
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 is expensive and makes Credit Saint fees look affordable.

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.

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.

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

FAQ

How long does Credit Saint take to repair credit?
How will Credit Saint improve my credit?
Is Credit Saint a legal credit repair service?

Conclusion

Credit Saint 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.

Ricky Ingram

Founder of Credit Repair Partner. I worked in the credit repair industry for about 10 years. I love, helping people become smarter about their credit and finances.

CreditRepairPartner.com
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