If you have less than perfect credit, a credit restoration service can help repair your score quickly and legally. Credit Saint is a reputable service that offers a range of options for credit repair. Whether you need minor repair or a credit overhaul, they have a package of services that meets your needs.
Who is Credit Saint?
Credit Saint is a credit restoration company that is based in New Jersey. They have been in business for more than 15 years, has an A+ rating with the Better Business Bureau and was recognized by the Credit Review as the best credit repair company for four years in a row (2017-2020).
The company takes a multi-prong approach to credit repair. Their job is to identify and dispute errors on credit reports.
Credit Saint has a team of trained credit counselors available to help customers understand different aspects of their credit history, including how to read your credit report, how to remove hard inquiries from a credit report, steps you can take to improve your scores and factors that impact your score.
Credit Restoration Services
Credit Saint offers three tiers of service ranging from basic assistance for minor credit issues to more advanced and aggressive credit correction services. Prices start at $79.99/month, which is very reasonable for legal credit repair.
One frustrating thing about credit repair services is that it’s difficult to keep an eye on your progress. Credit Saint addresses this problem by allowing you to watch your progress through your online account page. View your progress report, timeline and credit analysis right from your account to keep an eye on your progress.
Another unique aspect of Credit Saint is that you’re assigned a team of credit specialists, so each time you call, you always speak to the same people.
Credit Saint helps improve credit damage by challenging misleading, inaccurate, incomplete, biased, unverifiable or untimely items from your credit report.
The three packages offered by Credit Saint include:
Credit Polish
The most basic package offered by Credit Saint, Credit Polish is a great option for anyone who needs to clean up their credit.
With this package, Credit Saint will challenge:
- Late payments
- Collection
- Charge-offs
- Identity thefts
Credit Polish will remove up to five inaccurate items from your credit report.
Credit Polish offers:
- Medium aggressiveness
- 90-day money back guarantee
- Free support
- Free Experian score tracker
If you’re looking for simple credit restoration, the Credit Polish package is a great option.
Credit Remodel
For consumers who need a little extra help repairing their credit, the Credit Remodel package is the perfect fit.
Credit Remodel will challenge:
- Late payments
- Charge-offs
- Identity thefts
- Bankruptcies
- Collections
- Repossessions
With this package, you get the removal of 10 inaccurately reported items.
Credit Remodel offers:
- High aggressiveness
- Free Experian score tracker
- 90-day money back guarantee
- Access to Credit Saint Online
- Escalated information requests
If you have multiple questionable negative items on your credit report, Credit Remodel may be a good option for you.
Clean Slate
The Clean Slate package is ideal for people who need a lot of help cleaning up their credit. This robust tier of service allows for unlimited removal of inaccurately reported items.
Clean Slate will challenge:
- Charge-offs
- Late payments
- Identity thefts
- Bankruptcies
- Collections
- Repossessions
- Public records
This package offers:
- Very high aggressiveness
- Free Experian score tracker
- Access to Credit Saint Online
- Free support
- 90-day money back guarantee
- Escalated information requests
The Clean Slate package is designed for people who really do need a fresh start with their credit. If you have several negative items that need to be disputed on your report, this package is the ideal choice.
How Does It Work?
The credit restoration process begins with an initial consultation, where Credit Saint learns more about your needs and goals.
An in-depth review of your credit history will be performed.
After reviewing your history, your team will pinpoint disputes to make and create a plan for rebuilding your credit.
A new credit report will be delivered every 45 days, so you can see your progress. The credit reports that you receive will show the questionable items that had been removed from your credit. Of course, you can check on your progress from your online account to see the changes being made.
When you receive your reports, just email, fax or mail them to Credit Saint so that your team can continue working on your credit.
Along the way, new milestones will be created to continue improving your credit. Removing negative entries from your credit report can improve your credit score, allowing you to get approved for a mortgage or get better rates on your credit cards.
The team at Credit Saint can provide advice on a wide range of credit-related issues, from how to handle creditors to settling your debt.
How Long Does It Take to See Results?
The biggest concern when using any credit restoration company is how long it will take to see results. Will it take weeks, months, years?
Most users start seeing results after 30-40 days of using the service. It may take more or less time for you to see changes to your credit.
The one thing that sets Credit Saint apart from other credit repair companies is that they offer a 90-day money back guarantee. If they cannot remove questionable items from your credit report within 90 days, you will get your money back.
The Pros and Cons of Credit Saint
Just like any other credit restoration service, there are pros and cons that must be considered before committing to their service.
Pros
- Quick, effective and legal credit repair
- 90-day money back guarantee
- A+ rating with the Better Business Bureau
- Progress tracking
- Multiple plan options
- Available 24/7 through online chat and email
- Easy to cancel
Cons
- Not available in Kansas, Georgia, Louisiana, Oregon, Mississippi, South Carolina and Michigan
- Service requires an initial work fee in addition to a monthly fee. We feel it is well worth the cost but you have to make that decision for yourself.
Credit Saint does charge an initial work fee in addition to their monthly fee. While this is a standard practice in the credit repair industry, it’s still something that needs to be considered when signing up for their service. The first work fee depends on the package you purchase ($99 for Credit Polish and Credit Remodel, and $195 for the Clean Slate package).
The work fee is for the time the team must spend reviewing and analyzing your credit and preparing for challenging negative entries.
What Do Customers Have to Say About Credit Saint?
Credit Saint is well-rated by consumers. In fact, the company is a Consumer Affairs Accredited Partner and maintains a 4.5-star rating on the platform.
Users love:
- The individual attention they receive.
- How informative the initial consultation is.
- The constant updates and contact.
- How quick and effective the service is.
Some users have seen improvements in their credit scores in as little as 30 days. The reviews on Consumer Affairs are overwhelmingly positive, which gives the company a lot of credibility. All of the reviews on this platform are from real users and they use intelligent software to ensure the integrity of their reviews.
Verdict
Credit Saint is a legitimate credit repair service with a helpful, knowledgeable staff ready and willing to help you through the credit repair process. They offer three tiers of service to meet every need, and they get results quickly.
While you still have to do your part (pay your bills on time, avoid taking out new loans or racking up credit card bills), Credit Saint’s team will work quickly and aggressively to remove negative entries from your credit report.
The 90-day guarantee gives you peace of mind in knowing that if Credit Saint doesn’t get results, you will get your money back. But the majority of users have seen great results with the service and in less than 90 days.
