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Credit Saint’s credit repair and monitoring packages are helpful if you’ve faced challenges with past credit issues and are constantly hassled by collection companies. The company specializes in directly contacting credit bureaus to dispute inaccuracies on your credit report and works to have them removed.
In this article, we’ve thoroughly reviewed Credit Saint, exploring the pros, cons, and the various features it offers. Continue reading to learn more about how they can improve your credit score.
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What Is Credit Saint?
Credit Saint is a credit repair service tailored for individuals looking to improve their credit scores by addressing errors or disputing inaccuracies that negatively impact their rating.
The company employs experienced representatives who manage each credit score case personally. They diligently review credit reports to identify and challenge negative items, such as inaccurate or unverifiable information.
Customers can track all progress and receive credit analysis reports through Credit Saint’s online portal, allowing for real-time monitoring of the process. Additionally, if no changes are made to a customer’s credit report within the 90-day money-back guarantee period, a full refund is available.
Credit Saint Overview
Based in New Jersey and operational since 2004, Credit Saint is a credit repair company that claims to have assisted over 200,000 clients globally, touting itself as offering the most comprehensive service in the industry. While the company operates out of an office in Saddle Brook, New Jersey, its services are available nationwide, except in South Carolina, Kansas, Mississippi, Oregon, Maine, and Washington, D.C.
Credit Saint offers three different packages, with monthly fees ranging from $79.99 to $129.99 and one-time setup fees of either $99 or $195. Memberships can be paused or canceled at any time without additional charges, and a conditional money-back guarantee is provided after the first 90 days.
Customer feedback for Credit Saint is largely positive, but several consistent complaints exist. The company holds ratings of 4.6 and 4.1 out of five stars on Trustpilot and the Better Business Bureau (BBB), respectively, with 643 reviews on Trustpilot and 121 reviews on the BBB. While many reviews are four or five stars, more than 20% of the reviews on both platforms are one star.
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Credit Saint Features
Credit Saint offers services similar to other credit repair companies but with some distinctive features. Here’s a breakdown of what they offer:
- Challenges to the Three Credit Bureaus — Credit Saint assists in disputing inaccuracies like late payments, duplicate accounts, or typos on your credit reports. Credit Saint crafts personalized disputes, unlike many services that use generic templates. While handling these disputes independently is possible, using a professional service like Credit Saint can be beneficial if you feel unsure about tackling the process independently.
- Score Tracker — After each dispute cycle, Credit Saint provides a snapshot of your credit score from the three major credit bureaus. This tracking helps gauge the effectiveness of your credit repair activities. However, it’s worth noting that you can also check your credit score for free independently through various platforms.
- Score Analysis — Along with your credit score, Credit Saint offers a detailed analysis of factors such as credit utilization and payment history that influence your score. This service can help you monitor progress and pinpoint opportunities for improvement, although you can access similar information for free through other sources.
- Credit Intervention Letters — Credit Saint can escalate the issue by directly engaging with the creditor if a creditor confirms disputed information. They may also negotiate on your behalf to mitigate the impact of accurate derogatory marks on your report, depending on the plan selected.
- Inquiry Targeting — Credit Saint assists in removing unauthorized or fraudulent inquiries from your credit report. Note that legitimate inquiries cannot be removed, as they are valid records of credit checks.
- Daily Member Support — Credit Saint provides customer support via phone seven days a week, with extended hours on weekdays (8 AM to 10 PM EST) and weekends (9 AM to 5 PM EST), ensuring accessibility for clients.
- Credit Education — Their website features a blog with articles on credit repair and personal finance, accessible for free whether or not you’re a client. However, the blog hasn’t been updated recently, which might limit the relevance of the information.
While many credit repair services include identity theft protection, Credit Saint does not.
However, given the availability of quality identity protection services at low or no cost, this shouldn’t be a significant deterrent if you’re considering Credit Saint’s services.
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Credit Saint Pros and Cons
Pros
- Custom services led by experts
- More than 15 years of credit repair industry experience
- 24/7 access to Credit Saint’s progress on the online account page
- Customer service is available by phone call
- 90-day money-back guarantee
- Educational content and guidance for future credit success
Cons
- No guarantee you’ll see improvements to your credit score
- Changes to your credit report, if any, may not be instantaneous
- It’s not a free service; it includes a first work fee and a monthly fee
- The initial working fee can cost up to $195
How Much Does Credit Saint Cost?
Credit Saint offers three credit repair packages priced at $79.99, $99.99, and $119.99 monthly. Each package includes an initial working fee, $99 for the first two packages and $195 for the third. These monthly fees are roughly average for the credit repair industry, with some companies charging more and others less for similar services.
However, the initial fees are higher. Importantly, you can add a family member from the same household to your plan without an additional initial fee, though monthly fees will apply to both members.
Credit Saint’s 90-day money-back guarantee comes with specific conditions. To qualify for a refund, you must remain in the program for 90 days; canceling or not fulfilling payment obligations before this period voids the guarantee.
Moreover, the guarantee only applies if no questionable items are deleted from your credit report within the first 90 days and cannot be claimed after 120 days. Be sure to understand all the terms before relying on this guarantee. You can cancel your membership at any time without penalty or extra charges.
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What Credit Saint Offers
- Free credit evaluation – A specialist will evaluate your individual credit situation to determine the best next steps in your credit repair plan.
- Credit restoration and repair – Credit Saint employees send disputes to bureaus and/or creditors, challenging any credit reporting errors.
- Personalized service – Disputes are personalized according to the individual’s credit history. If a customer signs up for the highest-tier package but has fewer challenges on their credit report than the package calls for, a representative will downgrade this customer to the appropriate tier.
- Money-back guarantee – Credit Saint offers a refund if there are no changes in your report within 90 days.
- Online portal – Customers can track changes to their reports and credit scores on their online accounts. Note that representatives are also available by phone to answer any questions.
- Educational resources – The company offers free educational content to help you understand your score and how to continue improving your credit.
What Credit Saint Doesn’t Offer
- Removal of accurate information – As is standard with any legitimate credit restoration service, Credit Saint can only remove inaccurate information from a credit report. If the negative items in your history are correct, using a credit repair service isn’t recommended to repair your bad credit. Steer clear of any company that promises to delete accurate negative information; it may be a scam.
Credit Saint Plans
Credit Saint provides three-tiered service packages, each designed to cater to different needs and budgets.
The most basic option is the Credit Polish Package, which includes disputes with all three credit bureaus and a credit score tracker. This package is priced at a monthly fee of $79.99, with a one-time setup fee of $99, also referred to as the first work fee.
The next level up is the Credit Remodel Package, which builds on the Credit Polish offering by adding credit score analysis to the existing bureau challenges and score tracker. This intermediate package is available for a monthly fee of $99.99, with the same $99 setup fee as the Credit Polish package.
The highest tier offered is the Clean Slate Package, recommended for customers dealing with public records such as repossessions, bankruptcies, and foreclosures.
This package includes everything in the Credit Remodel package plus creditor intervention letters and inquiry targeting. The Clean Slate package costs $119.99 monthly and carries a higher initial working fee of $195.
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How to Sign Up For Credit Saint?
Start by visiting the Credit Saint. Use their secure online portal to enter your personal details (like name and Social Security number) and billing information (payment method). They’ll pull a free credit report for you without affecting your score.
Choose a Plan
Select from three plans based on your needs:
- Credit Polish: $79.99/month, $99 setup fee
- Credit Remodel: $99.99/month, $99 setup fee
- Clean Slate: $129.99/month, $195 setup fee
Accept Terms and Confirm
Please review and accept Credit Saint’s terms of service, which include a 90-day money-back guarantee. During sign-up, they’ll clearly outline the initial setup fee and monthly charges.
Additional Notes
Remember, only inaccurate info on your credit report can be disputed; accurate negative data can’t be removed.
Credit Saint’s Credentials
Every U.S. citizen has the right to challenge any inaccurate information on their credit report personally. You can start by obtaining a free copy of your credit report, check out our guide for detailed instructions.
Once you identify any errors, you must contact the specific credit bureau where the error is listed to file a dispute.
The Consumer Finance Protection Bureau notes that since disputing inaccuracies is both a legal right and a free process, paying a company to manage credit repair for you isn’t strictly necessary.
However, the process can be cumbersome and time-consuming, especially for those with multiple errors in their report. In such cases, professional help from a credit repair service might be beneficial to navigate the complexities and alleviate the hassle.
Licenses and Registrations
The credit repair industry doesn’t have specific licenses or registrations. Credit Saint, LLC has been officially registered in New Jersey since 2004, but beyond this, it doesn’t hold any specific licenses or registrations.
Awards and Certifications
The credit repair and restoration industry doesn’t offer any standardized awards or certifications across the board.
Third-Party Ratings
The credit repair and restoration sector doesn’t have specific industry publications, and as a result, Credit Saint doesn’t have ratings from such sources.
Regulatory and Legal Actions
Recent searches indicate that neither the Consumer Financial Protection Bureau (CFPB) nor the U.S. Securities and Exchange Commission (SEC) has published any information regarding regulatory or legal actions against Credit Saint.
While we strive to provide accurate and current information about regulatory and legal actions, we acknowledge that this information may not be exhaustive or completely up-to-date. As such, we recommend conducting your own research to ensure you have the most accurate and recent information.
>> Credit Saint: Your Path to Better Credit! >>
Credit Saint’s Accessibility
Credit Saint primarily offers its services through its website. Customers can also seek assistance via email, phone, or fax. It’s important to note that Credit Saint doesn’t operate any in-person branches and doesn’t offer a mobile app.
Availability
Services are available to customers throughout most of the United States and its territories.
States where Credit Saint isn’t available:
- District of Columbia
- Georgia
- Kansas
- Maine
- Minnesota
- Mississippi
- Oregon
- South Carolina
Contact Information
Customers interested in Credit Saint’s services can begin by filling out a form on their website to request a free credit consultation or to sign up for one of the three credit repair packages offered. Additionally, these services are accessible via the company’s chat feature located on the bottom right-hand side of its website or by calling Credit Saint directly at 1-877-637-2673.
For email inquiries, Credit Saint can be reached at [email protected]. Customers also have the option to communicate via fax at 1-800-400-4679. Although Credit Saint maintains profiles on social media platforms such as Twitter and Facebook, these accounts aren’t regularly updated.
User Experience
Credit Saint has received positive feedback across different review platforms for successfully removing inaccurate information from credit reports. However, there are recurring complaints about challenges in obtaining a full refund during the promised 90-day money-back guarantee period.
A common issue seen with credit repair companies, including Credit Saint, involves aggressive marketing tactics. Some individuals have reported receiving frequent sales calls from Credit Saint even after deciding not to use the company’s services.
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Credit Saint Reviews: Is Credit Saint Legit?
It seems there might be a mix-up in the description. Credit Saint is primarily known as a credit repair service, not as a gold dealer. They specialize in helping individuals manage and improve their credit scores by disputing inaccuracies on credit reports.
If you’re looking for information or reviews related to their credit repair services, we can explore that further. If you’re referring to a different company for gold dealing, please specify, and we can look into reviews or information on that.
It seems there might be a misunderstanding in the interpretation of the star rating. A rating of 3.3 out of 5 doesn’t directly indicate that 70% of customers were happy with their experience.
You can also check your Credit Saint Reddit Reviews here.
Alternative To Credit Saint – Credit Saint Review
The Credit People – Most Aggressive Timeline
The Credit People distinguishes itself from competitors by starting work on your credit immediately and often delivering results within just 60 days, in contrast to the vague timelines offered by others.
Additionally, they provide your credit scores and reports right after you sign up, ensuring you have a clear understanding of your initial credit status. This initial report serves as a baseline to help you track your improvement over time.
Read our full The Credit People Review
>> Get Started With The Credit People >>
Credit Saint Review – Frequently Asked Questions
Bottom line – Credit Saint Review
Credit Saint distinguishes itself with features aimed at enhancing your credit, including personalized disputes for inaccurate or questionable entries on your credit reports and tools to analyze and track your credit score progress. These strengths position it among the top credit repair companies.
While Credit Saint lacks a mobile app and offers limited discounts for family members, its 90-day money-back guarantee and A rating with the Better Business Bureau underscore its dedication to delivering on its promises for most enrolled clients.
Inaccuracies in your credit history that lower your score can be frustrating, especially after diligently managing your finances. These errors can also be costly, impacting the interest rates and loan terms you qualify for, ultimately costing you money due to a lower credit score. Exploring Credit Saint’s services could be a valuable step if you’re struggling with a low credit score.
>> Credit Saint: Your Path to Better Credit! >>
Patrick is a financial expert with deep knowledge in trading, technical analysis, and market structure. His analytical skills and ability to simplify complex topics have made him a trusted advisor for firms looking to navigate the financial markets effectively. Recognized for his insightful reports and strategic market analysis, Patrick has earned high praise from industry professionals. He is also the host of a widely-followed podcast, where he delves into market trends, options trading, and value investing, providing actionable insights for investors and professionals alike.
