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 credit repair, the company also offers a 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 easy to find. Customers can see details of Credit Sesame’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 negative items within 90 days.
Because Credit Saint is so transparent regarding its policies and pricing, customers will also be aware of the company’s first work fees it charges. For Credit Saint’s most comprehensive plan, customers will need to pay the first work fee of $195, in addition to the $131.00 monthly subscription fee. If you decided to cancel your services with Credit Saint, you won’t be charged anything during that month of service as long as you cancel within the first half of the month. If you end up canceling in the second half of the money, you will be charged.
High First Work Fees
Credit Saint charges $99 – $195 for its “first work fee” depending on what plan you choose, which includes, the first part of the work, writing of challenges, and a full progress report. 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.
Frequently Asked Questions
How much does Credit Saint cost?
There are three plans to choose from, respectively. On top of that, you must pay a one-time fee of $99 (or $195 for the top plan) for the company as a “First Work Fee.”
Does Credit Saint allow me to enroll more than one person or my whole family?
Only individuals may sign up as customers with Credit Saint. If a spouse or family member wants their credit repaired, they’ll have to enroll separately with their own account.
How does Credit Saint repair my credit?
Credit Saint takes a look at your credit report and thoroughly examines it line by line to identify those inaccurate or out-of-date items that could be removed. Then, the company will contact creditors to dispute these items in an effort to get them removed. The credit bureaus will then communicate with you so that you are aware of the entire process.
How does Credit Saint provide credit monitoring?
Credit Saint does not indicate on its website whether it offers credit monitoring.
How long will it take before I start to see results with Credit Saint?
The website says customer should see results within 90 days. In fact, Credit Saint has a guarantee where you get your money back if there are no changes within 90 days.
What results can I expect from Credit Saint?
With Credit Saint, you should expect quick results of your credit score improving due to false information being removed from your report.
How can I contact Credit Saint?
You can call 1-877-63-SCORE to reach a Credit Saint Credit Solutions representative. There is also a live chat option for your convenience.
Credit Saint doesn’t have too much in the way of published results. There are a few reviews submitted from customers who express satisfaction with the service they received. There isn’t much in the way “results” stated other than the actual items that were removed from the credit reports.
Credit Saint does make the claim hat results should be apparent in as few as 90 days of enrolling in the credit repair program.
Credit Saint has a robust pricing structure designed to cater to anyone’s budget and needs. There are three plans to choose from. All plans must pay an additional upfront fee for the first work the company will do. The First Work Fee is $99 for the first two plans and $195 for the third. With any plan, you may cancel at any time.
This plan costs $49/month. It is a medium-level plan in terms of aggressiveness. With it, you get an online account and access to Credit Saint Support.
This plan costs $79/month. It has everything the lower plan has, plus with it, Credit Saint will delete additional eligible items.
Clean Slate Plan
This highly aggressive package costs $99/month, is comprehensive, and will work to remove up to eight categories worth of false information. Plus, with it, you can escalate requests.
How It Works
Credit Saint uses a three-step approach to improving your credit score. Each step takes roughly 45 days to complete. At the end of each step, you will be mailed the results of the process. The reports will show exactly what has been removed from your report.
Credit Saint first challenges the reporting bureaus and creditors on false information on your report.
Following Credit Saint’s challenges, the bureaus will do their own investigation and respond to you what Credit Saint has asked them to do.
Communicate With Credit Saint
Once you have the information from the bureaus, you send Credit Saint the report. Credit Saint then updates your case and lets you know where your score stands.
What to Expect when Signing Up
Before enrolling, you may have a free consultation with Credit Saint to make sure the service is best for you. Then, if you decide you want to enlist the company’s help, you may sign up online in a simple, hassle-free manner. All that is needed is your personal information.
The enrollment process is safe and secure. Credit Saint takes your privacy and security seriously. The company will safeguard all your information, so there is no need to worry about your financial data being compromised.
What Can Be Removed?
By law, Credit Saint is unable to remove legitimate items on your report that may be harming your credit score. But don’t worry, the company works diligently to improve your situation by deleting those items that are unverified or erroneous:
- Late payments
- Identity thefts
Once these items are removed, your score should go up and put you in a better financial position to qualify for loans.