What Is Credit Saint?

If you’ve struggled with past credit issues, Credit Saint’s credit repair and monitoring packages may be worth considering. The company will contact the 澳洲幸运5官方开奖结果体彩网:credit bureaus to challenge inacc🍃uracies on your credit reports and get them removed.

Credit Saint offers three tiers of service: Credit Polish, Credit Remodel, and Clean Slate. Each service package offers slightlyﷺ different features, with Clean Slate designed for customers who need the most aggressive credit repair solutions.

Each Credit Saint package provides unlimited monthly disputes with the three major credit bureaus—Equifax, Experian, and TransUnion—as well as creditor intervientions. Customers also get credit score analysis and 澳洲幸运5官方开奖结果体彩网:credit monitoring with each plan.

Pros Explained

• Detailed plan information: Credit Saint is quite transparent about the different plan options—what you get and how much it costs. This is a nice change of pace from the many credit repair companies that don't specify their services or prices.
• 90-day money-back guarantee: If inaccurate or questionable items are not removed from your credit reports after 90 days, Credit Saint guarantees a full refund (terms apply, like not creating new derogatory credit items).
• Unlimited monthly disputes: Credit Saint will send unlimited monthly disputes to the credit bureaus, unlike some companies that limit the number of disputes. Unlimited disputes can help resolve your credit problems more quickly. 

Cons Explained

• Relatively high base plan monthly fee: The least-expensive plan offered by Credit Saint is $79.99, a bit higher than most credit repair companies we researched.
• Relatively high initial working fee: Credit Saint’s initial work fee is a hefty $99 for its lower-tier packages and $195 for its top-tier package. These one-time fees are higher than many competitors charge, although Credit Saint's monthly fees are about average or better.
• Doesn't send cease-and-desist letters: Although Credit Saint works with a wide variety of credit problems and dispute types, it doesn't send cease-and-desist letters to collection agencies.

Credit Repair Packages and Costs

Customers seeking specialized credit repair solutions for their needs might find what they’re looking for with Credit Saint. As mentioned, it starts with a free consultation and then offers three plans. If you’re seeking minoꩲr or moderate help, you might choose the Credit Polish or Credit Remodel packages. Those in need of extensive assistance could benefit from the Clean Slate package.

Here's a breakdown of some of the most important features of each plan.

Other Credit Saint Services

• Credit monitoring: Credit Saint provides some level of credit monitoring in each plan; the lowest-cost plan includes simple score analysis and monitoring; the mid-tier plan includes one-bureau reports and scores; and the highest-tier plan includes three-bureau reports and scores.
• Identity theft insurance: According to a company representative, Credit Saint offers identity theft insurance. But it comes at an extra cost, and details about this coverage and pricing are limited. 

Customer Service

Credit Saint offers several channels for its ꧂customers to get in touch, though customer service hours aren’t specified.

Company Reputation and Legal Issues

Credit Saint has mostly positive customer reviews online, and it earned one of the highest overall customer satisfaction scores among credit repair companies we researched.

The company has a great rating on Google Reviews, with 4.8 stars out of 5 based on over 14,500 reviews. On Trustpilot, Credit Saint has an average of 4.5 stars (Excellent) across over 670 consumer reviews. Happy customers praise Credit Saint’s customer service team and express satisfaction with their free consultations. Negative reviews mostly mention a lack of results. On the Better Business Bureau (BBB) the situation is similar, with a score of 4.16 out of 5.

The Consumer Financial Protection Bureau (CFPB) has a useful database that you can use to research credit repair companies and review customer complaints. A search for Credit Saint brings up one complaint in 2022, which expresses dissatisfaction with the company’s credit repair services.

How to Enroll With Credit Saint

1. You can begin by calling Credit Saint or filling out an online form to provide some information and set up your free consultation. You may need to select a service level at this point if you sign up online.
2. You'll need to pull your own 澳洲幸运5官方开奖结果体彩网:credit report prior to the consultation. In your consultation, you'll discuss your credit situation with a company rep and decide if Credit Saint will be able to help.
3. If you decide to proceed, you'll determine which items on your credit reports you want to dispute. You'll get access to an online account where you can check your progress.
   

How to Choose a Credit Repair Company

If you’re researching credit repair companies, consider the fo𓂃llowing: 

• Cost: What is the monthly cost of🍒 each credit repair service package? Is there a first work fee? Compare pricing as you shop around. 
• Services: Do specific packages provide all the services that you need?
• Additional features: Does the company offer any additional features that could help improve your credit or financial situation? For instance, does it have a debt management program or budgeting tools available? What about a mobile app? Review available features to see if there are any that appeal to you.
• Discounts: Is there any way to reduce the first work fee or monthly cost of services? Look into available discounts to learn about your options to save. For example, some companies provide discounts for couples or military members.
• Customer portal: Is online access available so that you can monitor the progress of your credit repair?
• Customer service: Is customer service available when you need it? Does the company offer phone, email, and live chat support? Look into hours of operation as well as ways to connect with a representative. 
• Money-back guarantee: Credit repair companies must make it easy to cancel anytime, but the best companies also have money-back guarantees to help ensure peace of mind.

Alternatives to Credit Saint

The Bottom Line

Credit Saint offers tiered credit repair packages, which is useful. It's also transparent about its fees (aside from some information about discounts) and the particular services that come with each package. Customer feedback is very good and the volume of customer complaints is low. Overall it's one of our top recommended credit repair companies.

If you’re considering Credit Saint, make sure to ask detailed questions about its offerings during your free consultation to make sur🌱e you sign up for the appropriate plan level for your credit situation.

Methodology

Investopedia’s list of the best credit repair com♛panies 💞is based on comprehensive research of 17 credit repair companies. 

In August 2024, we surveyed 500 people who used a credit repair company within the last three years toඣ help establish a strong foundation for our research. We then identified 17 credit repair companies based on Investopedia’s prior research, a competitive analysis, and public interest through Google search trends. We evaluated each company on 69 criteria, collecting over 1,200 data points on plan fees, dispute types, consumer ratings, complaints, and more. Data was collected between Sept. 6 and Sept. 30, 2024, and sourced from company webpages, customer service calls, media representatives, government agencies, and consumer review sites (e.g., CFPB, FTC, BBB). The overall research process for this project occurred from July 1 to Oct. 7, 2024.

We categorized the 1,200 data points into five categories and scored 799 data points, using the others for background and to improve content quality. We then scored and weighted each criterion to develop our overall star rating for each company. The c𒆙ategories and their weights for this project are:💝 

• Cost and Fees: 27.50%
• Customer Experience: 16.00%
• Reputation/Customer Satisfaction: 18.50%
• Services: 28.00%
• Stability/Availability: 10.00%

Read our 澳洲幸运5官方开奖结果体彩网:full methodology for more information.