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Credit Saint Review
Last Updated: December 2022
- Top rated service for challenging inaccurate credit data
- Upfront pricing with no hidden fees
- Offers a 90-Day Money Back Guarantee
- New clients receive a free consultation
- Call 866-542-2208
10.0
Outstanding
5/5
Get Started
866-250-8267
Overview
Having bad credit can impact many areas of your life, leaving you unable to get a credit card, secure financing for large purchases, and even find suitable housing. Unfortunately, around 30% of Americans suffer from having a low credit score, and for many, it can feel like an endless struggle with no real solution or quick-fix available. But, while quick-fixes may not exist, there are a number of real solutions and strategies that can be implemented which can eliminate some of the negative notes on your report and help increase your score to something you can be proud of.
Credit restoration companies, such as Credit Saint, provide you with a team of professionals who have the knowledge and resources to help you fix your low credit score and get you back on track to living a financially secure lifestyle. You will no longer need to feel embarrassed the next time a credit check is run on you, and you can start enjoying better interest rates and no longer be held back because of mistakes in your past. Credit Saint will not only help repair your past, but they will also teach you how to move forward properly so that you can generate a positive history from this point on.
10.0
Credit Saint
5/5
3,464 reviews
PROS
CONS
- Simple & Straightforward Repair Process
- Does Charge First Work Fees
- Competitive Pricing
- Offers 3 Packages to Choose From
- Backed by a 90-Day Money Back Guarantee
- Includes a Free Consultation
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Company Information
Founded back in 2004, Credit Saint has a long-standing history and positive reputation resulting from all of the satisfied customers it has assisted over the years. As one of the few credit restoration companies to be fully accredited with the BBB, they have also maintained an A rating from 2007 to present day. It’s easy to see why more Americans are choosing Credit Saint to help fix their poor credit history, as their numerous positive reviews and continuous positive feedback has made them stand out as one of the top restoration companies on the market.
Based out of New Jersey, Credit Saint can help most American citizens, although there are some states that can not utilize their services. Thankfully, they do offer a free consultation that you can take advantage ahead of time so that you can speak directly with a specialist and see if Credit Saint is the right company for you. They will discuss what it is you are looking to accomplish, what your current credit score and history look like, and they will ask about which state you reside in to ensure that they will be able to legally work with you.
Speaking of legalities, it is important to note that Credit Saint is a legitimate and legal credit restoration company. They adhere to all laws set forth by the governing bodies who legislate how credit repair companies can conduct themselves, and they follow all of the rules surrounding transparency. Credit Saint will never guarantee you an outcome or make promises that they can’t deliver on, and instead, will simply work directly with you and the credit bureau in order to come to the best solution possible for your situation.
How Does It Work?
When it comes to fixing your poor credit, there is no quick solution or instant remedy. Just as it took you years to get where you currently are, it will also take a bit of time to clean up your report and raise your credit score to something you are happy with. However, you won’t be left in the dark throughout the process, and Credit Saint provides you with a personalized dashboard where you can track your progress every single step of the way.
The first step you will need to take in order to get started is to reach out to Credit Saint directly in order to obtain your free initial consultation. Credit restoration services are not suited for everybody, so your free consultation will be a great opportunity to speak with a specialist and see if this is the right choice for you. Your specialist will not be able to guarantee any specific outcome, but what they can do is find out more about your score and history and then help you decide if their services will be beneficial to you.
10.0
Credit Saint
5/5
3,464 reviews
If you do decide to proceed with working directly with Credit Saint, the next step will be to sit down with a professional who will go over every item listed on your credit report. This is an integral part of the process where together you will be able to identify any items that are incorrect and damaging your score.
Once you have been able to identify the items on your credit report that need to be removed, Credit Saint will then work with the credit bureaus on your behalf, laying out legal arguments as to why these items need to be removed. While there is no guarantee that they will agree to remove it, the trained counselors at Credit Saint understand the laws, and they can pinpoint errors and create personalized arguments that give you the best chance at a happy outcome.
Services Offered
Credit Saint is known for being a credit restoration company, but their services extend beyond that and they offer clients a well-rounded approach to tackling bad credit and preventing bad credit in the future. Because of this comprehensive approach, many clients are satisfied not just with how their credit scores have increased, but also with the fact that they feel more knowledgeable and better equipped to make informed financial decisions going forward.
Obviously, the main service provided is that Credit Saint will work on your behalf, identifying errors and speaking to credit bureaus so you don’t have to worry about doing it yourself. Credit Saint is upfront and honest about the fact that these services are something you are able to perform yourself, and you don’t have to hire a company to assist you in repairing your credit. However, there are a number of benefits to working with professionals that you won’t be able to take advantage of on your own.
For example, being able to identify mistakes on your report takes skill because you need to fully understand the laws surrounding credit reporting in order to be able to spot inconsistencies and errors. If you have no experience with this and don’t completely understand the legalities surrounding reporting, then you are likely to overlook and miss mistakes that could otherwise be eliminated in order to increase your score.
Throughout the process of removing negative items from your report, you will also be able to take advantage of the fact that Credit Saint allows you access to report monitoring, so you can keep up to date on what your current credit score is. Not only does this feature make it easy to see what progress is being made, it also keeps you on track going forward so that you can ensure your score continues to climb rather than slip back down like in the past.
Plans & Pricing
No two people have the exact same credit report, which is why Credit Saint is committed to providing personalized services for each client it works with. To make this easier they have created three packages for you to select from, each one differing based on the services offered. For the most part, the core services are included in all 3, but those who only have one or two inconsistencies on their report will need far less assistance than someone with 30+ inconsistencies. Below is a breakdown of each of the three packages available, as well as information on their cost.
Credit Polish
Credit Remodel
Clean State
Initial Work Fee
$99
$99
$195
Monthly Cost
$79.99
$99.99
$119.99
Aggressiveness
Medium
High
Very High
# of Challenges Per Cycle
5
10
Unlimited
Creditor Interventions
Included
Included
Included
Score Analysis & Tracking
Included
Included
Included
Inquiry Targeting
n/a
Included
Included
TransUnion Monitoring
n/a
Included
Included
With regards to pricing, there is an initial work fee that you will need to pay before you begin utilizing the services of Credit Saint. This is a fairly standard practice, but if you do have questions regarding this, or any other questions in relation to pricing or services, you are encouraged to contact Credit Saint directly so you can speak to one of their knowledgeable representatives.
10.0
Credit Saint
5/5
3,464 reviews
All initial consultations are offered to new clients completely free of charge, and there is no obligation to continue with Credit Saint if you are not satisfied following your consultation. In addition, Credit Saint is also backed by a 90-day, money back guarantee so that you can feel confident if you do decide to move forward with their services.
Is Credit Saint Right For You?
Credit scores are extremely personal, sensitive information so you may be wondering if sharing this information with a restoration company and choosing to work with them is the right decision for you. Ultimately, this is something only you can decide, but when it comes to selecting a company that is upfront, transparent, and honest, it’s hard to beat Credit Saint.
Credit Saint makes sure to never over-promise results, and they want you to fully understand exactly what they can and cannot provide. If you are currently severely in debt and not paying your creditors on a regular basis, restoration services may not be right for you. At the end of the day, Credit Saint is not a debt relief service company, and instead will only be able to assist in repairing your bad credit, not eliminating the debt you owe.
Those who will benefit most from credit restoration are individuals who have items listed on their credit report that are inaccurate, added in error, misleading, or questionable. Legitimate items will not be magically removed from your report, but Credit Saint will assist in identifying anything that may legally be eligible for removal. If you are unsure whether or not this is the right choice for you, you can reach out to Credit Saint directly to take advantage of your free consultation.
Bottom Line
Bad credit can leave you feeling hopeless and stuck, unable to qualify for things such as mortgages, car loans, and even credit cards. But a poor credit rating doesn’t have to haunt you forever, and there are legal solutions available that can help you turn your situation around and increase your score to a number you’re proud of.
By working with Credit Saint you get access to professional services and knowledge credit counselors who will be able to pinpoint credit items that are eligible for removal, leaving behind positive items that boost your score. With affordable pricing and three package options to choose from, fixing your bad credit has never been easier. To take advantage of their free consultation, or to get started right away, you can visit the Credit Saint website and see why they are consistently rated as one of the top credit restoration companies in the country.
10.0
Credit Saint
5/5
3,464 reviews
For More Information Visit Credit Saint Official Website
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