Credit Saint Review
Last Updated: January 8, 2021
Hands up anyone who’s been less than a saint with their finances. All of us have made mistakes. Unfortunately, these mistakes may have serious consequences. A poor to fair credit score makes it harder to get reasonable rates for credit cards, loans, and insurance.
Credit Saint are credit cleaners that guarantee their results. The company claim that they offer the best credit repair services in the United States. Is this claim correct? We researched the company and read multiple Credit Saint reviews to find out.
Pros
- Plans for all types of credit issues
- Transparent about pricing
- Customize the dispute letters
- Easy cancelling
- Affordable monthly rates
- Great Credit Saint user reviews
Cons
- High initial set-up fee
- Not available in all states
Breakdown
Monthly Fee
$79.99 - $119.99
One-Time Setup Fee
$99 - $195 "First Work" fee
Credit Evaluation
Free
Service Speed
45-day cycles
In Business Since
2007
BBB Rating
A
Guarantees
90-day money-back guarantee
What Is Credit Saint Best For?
Credit Saint is best for challenging inaccurate, unverifiable or expired negative items damaging your credit score. If the listing is legitimate or verifiable, they can’t have it reversed. Credit Saint uses legal techniques to clear your slate. If you’re in trouble, they’ll offer counseling on how to get back on track.
Application Process
To get started with the Credit Saint credit repair process, head over to the official website. Next to the Credit Saint login button, you’ll see the “Get Started” button.
An application form will come up once you click on it. Input your details and then hit “Continue.” If you and a family member want to register, tick the “Add Family Member” box before you hit “Continue”. You’ll only pay one initial fee between the two of you.
From there, you’ll choose the credit repair services package that suits you.
Credit Saint Services
Each package comes with free advice to improve payment history and Experian monitoring. Most Credit Saint reviews agree that the packages are reasonably priced.
Credit Polish
This starter package is for those with small credit issues. The package includes the following services that will help remove derogatory items from your credit report:
- Challenges to the three major bureaus
- Credit score analysis
- Credit interventions
- Score tracker
The package doesn’t include cease and desist letters, inquiry targeting, and credit monitoring.
Credit Remodel
This package is for someone who has more severe credit issues. In addition to everything that you get with the Credit Polish package, you’ll unlock:
- Inquiry targeting
- Experian monitoring
This package doesn’t include the cease and desist letters. Yet, it’s a good option when you’ve made some serious credit mistakes.
Clean Slate
The Clean Slate plan is Credit Saint’s premier package. This product targets people with significant credit issues. It’s almost the same as the Credit Remodel package, but also includes cease and desist letters.
Credit Saint Pricing
Read almost any Credit Saint review, and you’ll see a clear theme. The service is outstanding, but you pay for it. The monthly pricing is comparable to what competitors charge. It’s the initial service fee that lifts the Credit Saint cost.
Still, the company sends out customized forms, and this makes their service more useful.
- Credit Polish will cost you a First Work Fee of $99 and a monthly fee of $79.99.
- Credit Remodel’s price includes the First Work Fee ($99) and $99.99/month.
- For Clean Slate, you’ll have to fork out the First Work Fee of $195 and then a monthly $119.99.
Credit Saint Customer Support
Another thing that you’ll see in almost every Credit Saint review is that the company is easy to contact.
Clients may call the Credit Repair phone number or log in to their account and use the Live Chat option.
Credit Saint LLC User Reviews
The Credit Saint BBB rating is A+, and the business has been accredited since 2007.
The Positives
Since the firm started in 2004, there have been a total of 40 complaints on BBB in the past 3 years. That’s pretty good going, considering the nature of the work.
The average Credit Saint review on Consumer Affairs and TrustPilot is positive. Credit Saint reviews on Reddit show that clients like the company’s transparency and employees’ knowledge. The employees take time to explain clearly what the company can and cannot do.
The Negatives
Credit Saint complaints typically take the same tone. The primary complaint is that it takes some time to see results. Some Credit Saint reviews from 2020 meanwhile suggest that the company’s sales team is pushy.
Our Verdict
Overall, the positive Credit Saint reviews speak volumes. The company offers professional service. You can find cheaper options, but the methods that Credit Saint uses are more likely to produce positive results.
As long as you understand what the company can and cannot do, you should be pleased with their service.
Alternatives to Credit Saint
Credit Saint vs Lexington Law
Lexington Law is a better-known outfit with more reviews online. Both companies offer good services, and the pricing is comparable. Credit Saint, however, ranks higher in terms of quality because of the customized letters.
Credit Karma vs Credit Saint
Credit Karma is a less expensive option and also well-known. One concern is that the company only checks with two of the three credit bureaus. This could lead to a discrepancy of 25 points. Credit Saint is pricier, but you get more accurate results.
Wrap Up
Overall, you don’t stay in business for more than fifteen years unless you’re doing something right. The company has a solid business foundation. They take the time to educate their employees and offer customized solutions.
Credit Saint reviews are a testament to the company’s efficiency, while the 90-day money-back guarantee provides clients with further assurances. Overall, Credit Saint is a legitimate company that offers efficient and professional service.
FAQ About Credit Saint
What is Credit Saint?
Credit Saint is a credit repair company. Getting started is easy enough. All you need to do is to sign up on the website and pay the initial fee. The company will deduct the monthly fee automatically as long as the contract is in place. The company checks your credit reports and disputes inaccurate data on your behalf. They work on a 45-day cycle. Removing the inaccuracies gives your credit rating a boost.
Are Credit Saints good?
The company has a good reputation. Credit Saint reviews are overwhelmingly positive, and the employees are knowledgeable. However, it’s worth mentioning that the process is slow. This is true of any credit repair process.
Is Credit Saint legit?
Yes. The company doesn’t engage in disreputable practices that could damage your credit rating.
