Credit Saint Review

Anyone looking to restore their credit but feeling overwhelmed by the process should look at using a credit repair company.

Credit Saint is a popular credit repair service. Continue reading to see the cost and how the service works.

How Does Credit Saint Work?

Credit Saint is positioned as a credit restoration service and apart from fixing your credit and removing the negative items from your credit report, they can help you fix various issues in your credit report.

Credit Saint does this by doing an in-depth review of your entire credit history and earmarks all the potential disputes they can make and they also provide a plan that can help to build your credit by yourself.

Once in every 45 days, Credit Saint will send you a new credit report so that you can view your progress and you can also see the changes that have occurred via your account online.

They then sets new milestones so that your credit continues to improve, which is why the company refers to their services as credit restoration instead of just credit repair.

CreditSaint helps you with all the factors which affect your credit including things like advice on how to deal with your creditors, settle your debts, etc.

While the start-up fees of CreditSaint.com may be more expensive compared to other companies, you get a more in-depth analysis of your credit and also customized solutions for your credit problems.

The company guarantees that all the questionable items will be removed within a period of 90 days of starting your services and you may see results even sooner.

You can check your online account for updates to see your status at any time and Credit Saint will also mail you the credit reports after 45 days of starting the service. The removal of the problematic items can help to boost your credit score.

Signing up with Credit Saint is extremely easy and you can register by filling an online form, where you need to enter information such as your name, email, address and how you know about Credit Saint.

A Credit Saint specialist will contact you to determine how they can help you and you can opt for a free consultation to determine if they can help you or not.

Credit Saint offers a guarantee that all the questionable items will be removed from your credit report within 90 days of availing the service.

The Company has around 30 days to review your credit report and to qualify, you must not add any new questionable items to your credit program since enrolling.

Also, you will get a refund for only 90 days of the service, although you may be a member for longer.

Any negative item removed by CreditSaint may return to your credit report, although this is quite rare; however, most of the credit bureaus notify you before any of the previously deleted items are relisted.

And, in case you receive such a notification, Credit Saint will work to get it removed permanently. If you no longer require the services of Credit Saint, you can cancel it very easily at any time by calling your credit specialist.

However, when you cancel the services, you will not have access to your online account.

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What Kinds of Credit Problems Can They Help With?

You can get help with the removal of almost any type of questionable item from your credit report; however, for this, you will need to sign up for the appropriate package.

Here is a list of negative items that are addressed with each plan, so you can decide on the plan that is best for your specific situation:

Credit Polish

• Late payments
• Charge-offs
• Identity theft
• Inquiries
• Collections

Credit Remodel

All the items included in the Credit Polish Plan plus:

• Repossessions
• Bankruptcies

Clean Slate

Everything included in the Credit Remodel Plan plus:

• Judgments

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CreditSaint Plans and Pricing

CreditSaint.com offers 3 pricing plans:

Credit Polish Plan – $59.99

• First Work Fee: $99
• Aggressiveness Level: Medium
• Access to Credit Saint online
• Toll-free support
• Anytime cancellation
• 90-day money back guarantee
• Items challenged in the Credit Polish Plan are late payments, charge-offs, identity thefts, inquiries and collections

Credit Remodel Plan – $79.99

• First Work Fee: $99
• Aggressiveness Level: High
• Access to Credit Saint online
• Toll-free support
• Anytime cancellation
• 90-day money back guarantee
• Escalation information requests
• Items challenged in the Credit Remodel Plan are late payments, charge-offs, identity thefts, inquiries, collections, repossessions and bankruptcies

Clean Slate Plan – $99.99

• First Work Fee: $195
• Aggressiveness Level: Very High
• Access to Credit Saint Online
• Dispute avalanche
• Toll-free support
• Anytime cancellation
• 90-Day money back guarantee
• Escalation information requests
• Items challenged in the Clean Slate Plan are late payments, charge-offs, identity thefts, inquiries, collections, repossessions, bankruptcies and judgments.

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Company History

Based in Saddle Brook, New Jersey, Credit Saint was started in the year 2004 and it offers credit repair and restoration services in 41 States and Washington DC also.

Credit Saint Alternatives

Pyramid Credit – The name sounds like it might be some scammy get rich quick scheme, but Pyramid Credit is is a top provider of credit repair services.

CreditFirm.net – With an easy pay per month model, Credit Firm offers a good option for credit repair.

American Debt Enders – More of a referral company, American Debt Enders offers many services to repair your credit.

Pros

• Credit repair process offered by Credit Saint is very easy and fairly straightforward
• The company offers good online transparency. It provides plenty of information that lets customers decide if Credit Saint is the best credit restoration services company for them. Credit Saint offers details such as package options, credit repair process, etc. quite openly.
• You can view the details of all the pricing plans of Credit Saint and get a clear understanding of what is covered and the cost of each plan.
• The company offers a range of services such as online access, debt validation, dispute avalanche, toll-free customer service, etc.
• Pricing plans are quite affordable and as low as $59.99 per month
• 90-day money back guarantee
• You can cancel the service whenever they want

Cons

• The first work fees charged by Credit Saint are quite high compared to the other credit service companies. The charges are $99 to $195 and in addition, you need to pay a monthly subscription fee of $59.99 to $99.99.
• The service coverage of Credit Saint is limited and it is available only in 41 States in the United States.

Credit Saint Review Bottom Line

Credit Saint is a competent service that is getting results for their subscribers. The monthly payment model makes it easy to understand exactly how much the service is going to cost you over the repair process.

While they are only available in 41 states, the affordability of Credit Saint makes them a reasonable option for those who are cost conscience.

As you look at various reviews of top credit repair services, Credit Saint is a legit company that can be a part of your final list of options.