Credit Saint's credit repair programs work in 45-day cycles. At the end of each cycle, customers will receive reports from all three credit reporting bureaus to help them track their credit repair progress. In addition to three levels of service, the company also offers a 90-day money back guarantee.
- Good Online Transparency
- Lower Monthly Rate
- 90-Day Money-Back Guarantee
Credit Saint provides ample policy information that will truly help customers decide if this company is the best for them. Information such as terms and conditions, applicable state laws, company policies, and pricing information is not only available but also easy to find. Customers can see details of Credit Saint's three credit repair plans - what's covered, and how much each plan will cost. The company's least expensive option runs at $49.99 per month, which is more affordable than some top-rated companies. Credit Saint also provides customers with a 90-day money-back guarantee, something not offered by many credit repair companies.
Good Online Transparency
Credit Saint clearly lists terms of service, disclaimers, and pricing information on its site.
Lower Monthly Rate
Credit Saint charges as low as $49.99 a month.
90-Day Money-Back Guarantee
Customers receive a full refund if Credit Saint cannot remove inaccurate items within 90 days. On top of this, all cancellations are prorated, so clients can cancel anytime they want and only pay for the days they used.
- High First Work Fees
- Limited Availability
Because Credit Saint is so transparent regarding its policies and pricing, customers will also be aware of the first work fees the company charges. For Credit Saint's most comprehensive plan, customers will need to pay the first work fee of $99-$195 after Credit Saint has provided its initial services. Additionally, Credit Saint customers will pay a $99.00 monthly subscription fee.
High First Work Fees
After Credit Saint provides its initial services, the company charges customers $99 - $195 for its "first work fee," depending on the plan they choose. This fee includes the first part of the work, writing of challenges, and a full report on your credit rating. Overall, it would be better to see no "first work fees" but these prices are competitive, if not lower than some major competitors in the industry.
Credit Saint's services are not available to residents of South Carolina.