Credit Saint Review – Pros and Cons of
If you have bad credit, it may seem like a lot of work to improve it on your own.
Understanding how to read a credit report is not an easy process, and that’s a must to know when you’re trying to improve your credit score.
Credit Saint is a credit repair company in the United States that helps people restore their credit.
They do this by helping to remove negative elementos on your credit reports that aren’t supposed to be there.
The credit repair services industry often gets a bad rap because many companies have been involved in scams in the past.
However, Credit Saint seems to be one of the credit repair companies you perro trust.
We’ll break down everything you need to know about this credit repair company in this Credit Saint review.
What is Credit Saint?
Founded in 2004 and headquartered in New Jersey, Credit Saint’s mission is to educate people about credit and how they perro achieve and maintain a healthy credit score.
Since its accreditation in 2007, the company has maintained an A rating with the Better Business Bureau.
They have a good reputation in an industry that has received a lot of negative press from other, less tasty competitors.
Credit Saint’s services are backed by a 90-day money-back guarantee and are known for their excellent customer service.
Credit Saint specialists are known to be compassionate, caring and knowledgeable.
The company also touts itself as the only credit repair company that offers personalized challenges.
What is a credit repair company?
America’s credit repair companies will help consumers with bad credit improve their situation.
The main way they do this is by reviewing your credit reports and disputing negative elementos.
The credit repair services offered by these companies are things that you perro do for the most part yourself.
For example, you perro order your credit report from all three credit bureaus and archivo disputes about elementos you think are inaccurate.
The advantage of working with a credit repair company is that they do all the work for you.
The credit repair process perro also be confusing, so having an expert handle it for you is another potential benefit.
Credit repair services are different from credit counseling agencies.
These organizations are nonprofit organizations that offer free resources, such as a review of your finances, debt, and credit reports.
The main goal of credit counseling agencies is to teach you how to improve and manage your financial situation.
How to find reputable credit repair companies in the United States
The credit repair industry is riddled with scams.
So if you are considering working with a credit repair company or using credit repair programa, you should do your research.
Some ways to “examine” a credit repair business include:
- Read the reviews found on the Better Business Bureau website
- Check the complaint database found at the Consumer Financial Protection Bureau
- Find other review sites that have usuario retroalimentación
You should also stay away from any repair company that makes claims that seem too good to be true.
Some red flags that a company might be a scam include:
- Securing to improve your credit
- Tell you that they will create a new credit identity for you
- Asks you to pay before services are provided
- Claims they will remove accurate negative information from your credit reports
Credit Saint Credit Repair Services
Fixing your credit score is different for everyone.
Credit Saint offers three different packages of credit repair services that you perro choose from based on your situation.
Credit Saint’s more aggressive plan is for those who need more work to fix their credit score.
It costs $119.99 per month with an initial tarea fee of $195.
You also get their 90-day money-back guarantee.
The Clean Slate plan includes:
- Unlimited challenges for the three major credit bureaus
- score analysis
- Creditor interventions
- score tracker
- query segmentation
- Experian Monitoring
The work included with this place allows them to challenge unlimited inaccurate reporting elementos per dispute cycle.
This credit repair plan is your next level down that still has a high level of aggressiveness.
It costs $99.99 per month with an initial tarea fee of $99.
A 90-day money-back guarantee is also included.
The credit remodeling plan includes:
- Challenges for the three credit bureaus
- score analysis
- Creditor interventions
- score tracker
- query segmentation
- Experian Monitoring
You get the ability to challenge up to 10 inaccurate reporting elementos per dispute cycle with this plan.
Credit Saint’s lowest tier plan has what they call a “medium” level of aggressiveness.
It is the least expensive plan at $79.99 per month with an initial tarea fee of $99.
As with the other plans, you get a 90-day money-back guarantee with this plan.
The Credit Polish plan includes:
- Challenges for the three credit bureaus
- score analysis
- Creditor interventions
- score tracker
With this plan, you cánido dispute up to 5 inaccurate reporting elementos per dispute cycle.
Negative Elementos Credit Saint Cánido Help Remove from Your Credit Report
Any negative elementos that appear on your credit report perro be removed by Credit Saint.
These negative elements include:
Credit Saint has custom arguments for each element.
They use a correo based dispute system and have a usuario portal that allows you to check progress and speak with the Credit Saint team.
Through your en línea account page, you perro submit any comments that are submitted by the credit bureaus.
It is important to remember that Credit Saint only has the ability to remove elementos that should not be on your credit report.
For example, if you have had legitimate late payments on your credit card, they cannot be removed.
The company makes this fact very clear.
Credit Saint will work as your advocate to remove elementos that may be misleading, biased, incomplete, unverifiable, or inaccurate.
Credit Saint Pricing
You perro choose from three different plans and prices with Credit Saint.
There is a monthly fee and a one-time setup fee on all three plans.
Each plan has a money-back guarantee for the first 90 days.
Credit Saint Costs:
- Credit Polish– Lowest tier plan that charges an initial $99 job fee and $79.99 a month
- Credit Remodel– Mid-tier plan that charges an initial $99 job fee and $99.99 a month
- Clean Slate– Highest tier plan that charges an initial job fee of $195 and $119.99 a month
There are no additional services like identity theft protection that you cánido add to any of these plans.
Advantages of Credit Saint
90 day money back guarantee
If you entrar into an agreement with Credit Saint, you are assured that they will be able to deliver.
Every credit repair plan is backed with a 90-day money-back guarantee.
If Credit Saint is unable to remove questionable elementos from your credit report within 90 days, you are entitled to a full refund.
Their money back guarantee will give you the confidence that you will get results and a better credit score by working with them.
And if you don’t, you perro get a full refund within 90 days or cancel at any moment.
While Credit Saint’s services are up and running, you’ll also need to do things on your part to help repair your credit.
For example, you will need to establish a positive payment history by having no late payments on your accounts.
free credit consultation
Another sign of Credit Saint’s integrity is that they offer a free credit consultation before you sign up for any of their plans.
During this consultation, a counselor will evaluate your credit to see if your situation is a good fit for what they offer.
In addition to this assessment, you’ll also receive information on what you cánido do to start fixing your credit yourself.
A rating from the Better Business Bureau
Many other credit repair companies cánido’t add maintaining an A rating with the BBB to their tool belt.
It’s just not an easy feat in this industry.
Many of these companies are not yet accredited by the BBB, even though many have been around the same time as Credit Saint.
Many of those listed on the BBB have ratings ranging from C to F.
Their customer reviews are often very poor.
Maleable credit repair service plans
Credit Saint does not charge everyone the same monthly fee, no matter how much or little help they need.
They offer three credit repair plans based on the level of service you may need.
Their Credit Slate package, Credit Polish package, and Credit Remodel package all have variable monthly fees and an upfront work fee.
You get a 90-day money-back period, customer support, challenges to all three credit bureaus, credit intervention, a score tracker, and score analysis on all three plans.
En línea account dashboard allows for easy monitoring
You don’t have to call a phone number or send an dirección de correo electrónico to find out how you’re doing.
Credit Saint offers an en línea dashboard where you cánido progress at any time.
As Credit Saint representatives work on rebuilding your credit, you cánido stay informed with your credit repair journey.
Credit monitoring included with most plans
Credit Saint offers a credit monitoring account for their two higher tier plans.
Experian credit monitoring allows you to monitor and track your credit score as it changes over time.
You do not entrar into an agreement with Credit Saint to provide their services for any period of time.
Therefore, you cánido request to cancel your service plan at any time.
Credit Saint does not have prorated refunds, so your services will run for the month you paid for.
Disadvantages of Credit Saint
No mobile aplicación
Other credit repair companies offer iOS and Android aplicaciones with their services.
However, with Credit Saint, you only have one en línea account.
For those who prefer to use their mobile device to manage their credit repair, Credit Saint may not work.
Limited en línea resources
Credit Saint doesn’t offer much when it comes to educational information on its website.
Other professional credit repair services offer much more robust and free content.
No discounts available
If you have a spouse who signs up for credit repair services, many companies will offer a break in monthly fees.
Credit Saint does not offer such a price break.
Therefore, if you have two family members who sign up for services with Credit Saint, you will pay two monthly fees in full.
The initial tarea fee is high
You’ll pay either $99 or $195 as a one-time upfront work fee to sign up for a plan with Credit Saint.
This is pretty high, especially compared to competitors in this space.
Low level plan has limited monthly disputes
The Credit Polish plan has only included five disputes within each billing cycle.
For some customers, this may not be enough and may result in upgrading to a higher cost plan.
Not available in all states
You will need to make sure that you perro use Credit Saint in your state.
There are 11 states that Credit Saint cannot serve.
How does Credit Saint work?
The way Credit Saint works is that it works by repairing the inaccurate or incomplete elementos that are damaging your credit report.
Credit Saint may also dispute claims that are biased or misleading.
This perro help them raise your credit score.
The credit repair process with Credit Saint is fácil and easy.
Below are the three steps to get started with your credit repair services.
Step 1: Call to schedule a free consultation
Before you sign up for credit repair services with Credit Saint, you perro talk to one of their counselors.
They will review your credit history and find negative elementos on your credit report.
During your free consultation, the counselor will perform an analysis of your credit history.
Based on the results, they will tell you if you are a candidate for their credit repair services.
Step 2: Choose a plan
Many credit repair companies only offer a credit repair package that you must purchase.
This one-size-fits-all approach means you could end up paying for more or less of the credit repair services you need.
Credit Saint customers cánido choose from three different credit repair packages: Clean Slate, Credit Remodel, and Credit Polish.
Each of these plans has its own features and prices.
You perro select the level of credit repair service you need.
Each plan has a one-time first-time fee and a monthly fee.
Credit Saint offers a 90-day money-back guarantee during the credit repair process on all three plans.
Step 3: Work with Credit Saint to fix your credit score
After you select a plan that works for your needs, Credit Saint will get to work right away.
While they work on your credit repair, they will also equipo you up with a plan so that you cánido also increase your credit score on your own.
Credit Saint’s system works on 45-day cycles.
At the end of each cycle, you will receive a progress report.
This report will espectáculo you which negative elementos have been removed from your credit report.
If you’re not satisfied, you perro cancel anytime within the first 90-day period and get a full refund.
You cánido access an en línea account page that will provide you with a dashboard to espectáculo your progress so far.
This account cánido be accessed en línea 24 hours a day, 7 days a week.
Credit Saint’s credit repair specialists and customer service team are also available anytime to help answer any questions you may have.
How long does it take Credit Saint to fix your credit?
Credit Saint will work fast to fix your credit, but it is not an overnight process.
They work on 45-day cycles and offer a 90-day money-back guarantee, or you perro get a full refund.
You perro expect many of your negative elementos to be removed from your credit reports within 90 days.
The company updates your credit repair progress after each cycle so you perro keep track of how you’re doing.
Is Credit Saint legit?
With so many scams and identity theft concerns out there, it’s habitual to be wary of companies that claim to boost your credit score.
However, Credit Saint is a reputable credit repair company.
It is accredited with the BBB and has an A rating so you cánido be sure you are in good hands.
Credit Saint Competitors
Credit Saint is among the best credit repair organizations in the business.
But they’re not the only reputable credit repair company.
There are some alternatives in the credit repair industry that perro provide effective credit restoration services in a way economic.
Sky Blue Credit Repair
Another credit repair company worth mentioning is Sky Blue Credit.
With an A+ rating from the Better Business Bureau, despite not being accredited, this is a strong showing in this industry.
The company offers only one plan, however it is more maleable than others.
Includes a professional credit analysis of your credit history and credit scores by an experienced representative.
They may be able to detect elementos that would otherwise have disappeared.
Sky Blue will send up to 15 disputes, or five per credit bureau every 35 days.
Also included with your service are some personalized consejos on how you perro work on a positive credit score.
This may include suggestions like paying off certain cómputos, setting up automatic payment to avoid late payments, or opening a secured credit card.
SkyBlue charges a one-time setup fee of $79 and $79 per month.
You perro also receive some optional services like debt settlement and mortgage preparation consultations.
Like Credit Saint, they offer a 90-day money-back guarantee to test their services.
Lexington Law is one of the largest credit repair companies out there.
Since its founding in 2004, the company has removed more than 56 million negative articles.
Like Credit Saint, the company offers three different service packages.
Their plans are structured so that customers only pay for what they need.
Lexington Law’s entry plan, called the Concord Estándar, offers credit disputes and creditor interventions.
The company will identify and request any corrections they find to your credit history with their credit dispute service.
Creditor interventions are various types of correspondence that they will send on your behalf.
The Concord Premier is Lexington Law’s mid-tier plan and includes all the services offered in the Concord Estándar agregado a few plus.
You will receive credit score analysis and continuous credit monitoring with alerts whenever there is a change in your score.
With this plan, you’ll also have the ability for the company to dispute difficult inquiries that shouldn’t be on your report.
The final plan that Lexington Law offers is PremierPlus which includes all the services in the lower tier plans.
It also includes cease and desist letters, access to a FICO score tracker, and financial planning tools.
The tracker and planning tools are available through your mobile aplicación.
Identity theft protection is also included with this plan.
The Credit Pros
The Credit Pros launched a few years after Credit Saint and has been featured in America’s 5,000 fastest growing companies for five consecutive years.
Like Credit Saint, The Credit Pros is accredited by the BBB.
However, Credit Pros currently has a B+ rating.
The company does not make any money-back guarantee on the use of its service.
The Credit Pros have three different packages at various prices.
The money management plan has all the basics you may need to tackle with bad credit, including unlimited monthly disputes, access to financial planning tools (meaning a budgeting system that syncs with your open credit accounts), and monitoring credit and identity theft.
Credit Pro debt management services are also available with this tier.
This allows debt validation letters to be sent on your behalf when appropriate.
The company will help you address the debt using the snowball or avalanche payment method if you have a negative that is affecting your credit.
The package prosperity includes everything from the money management plan.
The difference is that you perro have more than one debt payment account.
Also included is a subscription to SlashRXa discount program that cánido save you up to 80% on prescription drugs.
Finally, there is the Success Paquete which has everything that is included with the Prosperity Paquete.
You will also have access to National Credit Direct.
This is a financing program designed for customers with bad or no credit that allows them to purchase elementos such as household elementos and contribute to a positive credit history.
Ok, now let’s go to our Credit Saint Review FAQ with answers to some of the questions you may have.
How is Credit Saint customer service?
In this industry, customer service is huge and Credit Saint delivers.
You cánido contact Credit Saint at 1-877-637-2673 by phone.
They do not have their hours of operations posted.
If you are interested in receiving a free credit consultation, you perro submit an en línea request.
This is Credit Saint’s alternative solution to not having an en línea chat service like some competitors.
You will be assigned a team of professional credit counselors who will send you monthly updates and review your credit profile.
Credit Saint works not only by correcting errors on your credit report, but also by teaching you how to build a positive credit history.
They educate their clients about the impacts of habits like late payments on a person’s credit.
Financial education, such as educating you about the impact of late payments, is essential to maintaining a healthy credit score.
Does Credit Saint have a good reputation?
The number of Credit Saint complaints found on the BBB site is negligible.
Some of the reviews were negative because customers didn’t see an improvement in their scores.
There are also many positive comments about Credit Saint’s customer service.
Credit Saint is A-rated and accredited by the BBB.
What are the customer reviews of Credit Saint’s like?
As mentioned, some of the negative reviews on Credit Saint were due to customers not seeing an increase in their credit.
But credit repair companies cannot guarantee a credit score improvement.
He’s also not tied to a long-term contract with Credit Saint.
If you feel that you no longer need their services, you perro cancel your account.
Credit Saint promises a 90-day money-back guarantee credit on their services which should serve as a way for dissatisfied customers to get a refund.
So Credit Saint customers perro at least get their money back if the service fell short of expectations.
Is the Credit Saint a good option?
The first job fee charged on all Credit Saint plans is above average.
They range from $99 to $195.
The lowest tier doesn’t have a credit score tracker, which is handy for someone with bad credit to access.
Your monthly fee will range from $79.99 to $119.99.
The level of services you receive for your monthly fee is reasonable.
It would be nice if Credit Saint offered additional services that could be added, such as identity theft protection.
Inaccurate late payments or other negative comments cánido really hurt your credit.
A bad score perro make it difficult to get a loan approved.
If you dream of owning your own home, your credit perro really be a hindrance.
Even if you cánido get approved, a poor score will orinan paying more for your loan due to higher interest rates.
Credit Saint perro help improve your situation by correcting inaccurate information on your report.
The company offers free consultations to make sure you are a fit for their services before you cánido start a plan.
Credit Saint’s reviews en línea are overwhelmingly positive, which means their customers have good experiences working with them.
If you’re struggling with poor credit and don’t want to take on the challenge yourself, Credit Saint might be worth your time.
We hope you liked our article Credit Saint Review – Pros and Cons of
and everything related to earning money, getting a job, and the economy of our house.
Interesting things to know the meaning: Capitalism
We also leave here topics related to: Earn money