Credit Saint is a New Jersey-based company that has been providing credit restoration services to consumers for over 15 years. In terms of services, Credit Saint's credit repair programs work in 45-day cycles. At the end of each credit repair cycle, clients will receive credit reports from all three major credit bureaus to help them track their credit repair progress. The credit repair company also offers a free credit consultation, a 90-day money-back guarantee, and anytime access to a private online dashboard.