Credit Saint Review – Improve Your Credit Score
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Fast Facts
Services:
Credit repair
Cost:
$79.99-$139.99
Free consultation:
Yes
Online dashboard:
Yes
Credit monitoring:
Yes
Availability:
Not available in South Carolina
Looking to secure that dream loan with the most favorable interest rates and terms? Elevating your credit score is the key, but it's often a time-consuming process. However, there's a way to potentially fast-track your credit journey, and it's through the expert guidance of Credit Saint. With a track record spanning since 2004 and having assisted more than 200,000 clients, Credit Saint offers a promising path to enhancing your credit score swiftly and efficiently.
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What is Credit Saint?
Credit Saint LLC stands out as a dedicated credit repair company with a mission to help you achieve your financial goals. What sets Credit Saint apart in the credit repair industry is its team of experienced professionals who negotiate directly with creditors on your behalf. The process begins with the collection of essential personal information related to your credit, such as a copy of your credit report. Importantly, this initial assessment doesn't impact your current credit score.
Based in New Jersey and accredited by the Better Business Bureau (BBB), Credit Saint's commitment to ethical and effective credit repair services shines through. The company collaborates with all three major credit bureaus to rectify inaccuracies and potentially boost your credit score. Getting started is hassle-free with a complimentary consultation, allowing you to explore your options before selecting the plan that best suits your needs. Plus, each Credit Saint plan offers the peace of mind of a 90-day money-back guarantee, demonstrating their dedication to your financial well-being.
Credit Saint has an A rating on BBB and 4.8 stars on Trustpilot in customer reviews.
Credit Saint takes action to fix unfair or inaccurate negative items harming your credit.
- 90-day money-back guarantee
- Free consultation
- 200k happy customers
- 19 years experience
- 11,000+ five-star reviews
How does Credit Saint work?
Credit Saint looks at your credit report for any errors and reports them to the major credit bureaus — Experian, Equifax, and TransUnion — on your behalf. Inaccurate information about late payments and debt can hurt your credit score. Quickly getting them removed can immediately increase your credit score and help you qualify for better loans. Credit Saint has almost two decades of experience with the process and knows how to negotiate with the bureaus.
You can start the process by requesting a free consultation. A financial coach will walk you through improving your credit score even if you do not use Credit Saint. The consultation will also give you a better idea of how Credit Saint can help repair your credit.
Credit Saint customers receive credit score updates that help them monitor their progress. Knowing your current credit score can help you gauge which loans you can get and inspire you to build your score.
How much does Credit Saint cost?
Credit Saint has three different plans: Credit Polish, Credit Remodel, and Clean Slate.
Credit Polish costs $79.99 monthly and has a $99.00 initial working fee. The company will give you a score tracker and negotiate with the three credit bureaus on your behalf.
Credit Remodel costs $109.99 monthly and has a $99.00 initial working fee. The plan has the same advantages as Credit Polish, but you will also receive a Score Analysis.
Clean Slate costs $139.99 monthly and has a $195.00 initial working fee. The plan has the same advantages as Credit Remodel, but you will also get Credit Intervention Letters and Inquiry Targeting.
The more expensive the plan, the more Credit Saint’s team of professionals will do to improve your credit score.
Credit Saint features
Credit Saint's services are designed to empower individuals on their journey to improved financial health, offering a range of tailored solutions to address specific credit challenges and goals.
- Free credit consultation. Credit Saint starts by offering a free consultation, allowing you to discuss your credit challenges and goals with their experts.
- Credit analysis. The company conducts a thorough analysis of your credit reports from all three major credit bureaus (Equifax, Experian, and TransUnion) to identify inaccuracies, errors, and areas for improvement.
- Personalized Credit Saint credit repair plans. Credit Saint tailors its credit repair services to your individual needs. They create a personalized action plan to address specific negative items on your credit report.
- Creditor interventions. Credit Saint's team of experts works on your behalf to negotiate with creditors and challenge inaccurate or questionable items on your credit reports and provide free credit evaluations and provides credit repair packages tailored to your needs.
- Regular credit score updates. Clients receive regular updates on their credit scores and the progress of their credit repair efforts.
- Online client portal. Credit Saint offers a secure online account where clients can track the status of their credit repair process, view dispute progress reports, and access educational resources through their account page.
- Transparency. Credit Saint prides itself on transparency, providing clients with clear information about the credit repair process and what to expect.
- Money-back guarantee. All Credit Saint plans come with a 90-day money-back guarantee. If you're not satisfied with the progress made within the first 90 days, you can request a full refund.
- Credit education. Credit Saint offers educational resources and guidance to help clients better understand credit and improve their financial literacy.
- Access to credit experts. Clients have access to Credit Saint's team of credit experts and customer support for assistance and guidance throughout the credit repair process.
- Credit monitoring. Some plans include credit monitoring services to help clients stay informed about changes to their credit reports. This service helps spot identity theft and inaccurate items that can lower your credit score.
- Positive credit building. Credit Saint may provide recommendations and strategies to help clients build positive credit history over time.
Credit Saint takes action to fix unfair or inaccurate negative items harming your credit.
- 90-day money-back guarantee
- Free consultation
- 200k happy customers
- 19 years experience
- 11,000+ five-star reviews
Who is Credit Saint for?
Consumers who do not have the best credit scores
Credit Saint can improve your credit score by removing errors on your credit report, sending goodwill letters on your behalf, and letting you track your credit score. If you need help with your credit, Credit Saint may be able to help.
People who are applying for loans soon
Your credit score plays a significant role in your loan’s interest rate and terms. A higher credit score gives you more options. Credit Saint offers a way to improve your credit score without a hard credit check.
People who want to delegate the work
Contacting the major credit bureaus and reviewing your credit report can take a lot of time. A professional from Credit Saint can look at your credit report instead and negotiate on your behalf. You can save a lot of time and potentially get a better result with the credit repair agency.
Who shouldn’t use Credit Saint?
Consumers with high credit scores
Credit Saint works well if you want to rebuild your credit score. However, if you already have a great credit score, Credit Saint may not be able to offer much help. Even if you can get a better credit score, raising it by a few extra points may not make much of a difference for people with great scores already.
Consumers who have no intention of changing their financial habits
You can still get a higher credit score with Credit Saint if you do not fix your bad money habits. However, those fixes may not remain for long if you continue to miss payments. Continuing to spend money unwisely can also hurt the company’s ability to write a goodwill letter on your behalf if you pick the Clean Slate Plan.
Consumers who live in South Carolina
Unfortunately, Credit Saint's unavailability in South Carolina makes it an unsuitable choice for residents of the state who may be seeking professional credit repair services. Residents of South Carolina will need to explore alternative credit repair options to address their specific credit needs.
Pros and cons
Pros
- Improve your credit score. You can remove inaccurate information from your credit report and get a quick win. Credit Saint can also write a goodwill letter for you to remove accurate information that is bringing your score down potentially.
- Free consultation. You can get advice from a Credit Saint professional before you commit to one of the agency’s plans.
- Credit score tracking. Credit Saint makes it easy to see your progress and where you currently stand with your credit-building journey.
Cons
- Monthly membership. You have to pay a monthly membership fee that ranges from $79.99/mo to $139.99/mo. The initial working fee of $99.00 or $195.00 can become worth it if you use Credit Saint for a while, but it is inconvenient.
- Credit score growth is not guaranteed. Not every customer walks away from Credit Saint with a higher score. The agency will do its best to improve your score, but this industry has no guarantees.
Credit Saint takes action to fix unfair or inaccurate negative items harming your credit.
- 90-day money-back guarantee
- Free consultation
- 200k happy customers
- 19 years experience
- 11,000+ five-star reviews
Credit Saint vs. competitors
Credit Saint isn’t the only credit repair agency that can negotiate on your behalf with the major bureaus. Here is how the company compares with the competition.
Credit Report Company | Price of Lowest Plan | Credit Monitoring | Score Tracking |
|---|---|---|---|
Credit Saint | $79.99/mo | Yes | Yes |
The Credit People | $99/mo | Yes | Yes |
Lexington Law | $119.95/mo | Yes | Yes |
The Credit People
The Credit People has been serving customers for over 15 years. The credit repair agency aims to raise a consumer’s credit score through credit repair and other strategies. Customers can cancel their accounts at any time.
Lexington Law
Lexington Law is a credit repair agency that helps consumers remove negative items from their credit reports. The agency offers services that cover credit repair and credit building. You can get a free credit assessment to learn about how you can improve your score.
FAQs
Is Credit Saint legit?
Credit Saint is a legitimate company that has an A rating on the Better Business Bureau. The company averages 4.28 out of 5 stars across 130 reviews on the Better Business Bureau’s website. Credit Saint has been serving customers since 2004.
Can Credit Saint improve your credit score?
Credit Saint can remove negative items from your credit report and improve your score in the process. A professional can also walk you through strategies to build your credit.
Is Credit Saint worth it?
Credit Saint can help you get a quick improvement in your credit score. The extra points can help you qualify for a better loan and save money on monthly payments. Many Credit Saint customers have shared their stories about how the credit repair agency helped them. Although results are not guaranteed, it’s possible for you to join them and become the next success story.
The bottom line
Credit Saint’s team has plenty of experience with helping customers repair their credit. The agency will reach out to the major credit bureaus and negotiate on your behalf. They can get inaccurate negative items removed from your credit report quickly, and Credit Saint can even remove accurate negative items in some cases.
Credit Saint has a no-obligation free consultation that is worth a closer look at if you are on the fence. The consultation can help you understand how Credit Saint can help and discover strategies you can use to improve your score.
The company has helped over 200,000 customers improve their credit scores and may be able to help you as well. You can choose from one of the credit repair agency’s three plans based on your needs. Higher-tier plans come with additional perks that can help you gain more ground with your credit score.
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Writer
Marc Guberti is a business freelance writer who specializes in personal finance, digital marketing, and entrepreneurship. His award-winning book "Content Marketing Secrets" teaches readers how to create, promote and optimize content for growth and revenue. Marc also hosts the "Breakthrough Success Podcast," where listeners learn how to master content marketing and get more clients.
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