- Choose from three credit repair plans: Pick the package and price that makes the most sense for your personal situation.
- Most packages include credit monitoring: Two of Credit Saint’s three plans include Experian credit monitoring.
- Offers a 90-day money-back guarantee: If Credit Saint is unable to remove any inaccurate items from your report in the first 90 days, you’ll get all your fees refunded.
- High initial work fees: First work fees range from $99 to $195, depending on the plan.
- Limited monthly disputes with low-tier plans: The entry-level plan includes just five disputes per billing cycle.
- Sparse online resources: There isn’t much educational information available on Credit Saint’s website.
- Not available in all states: Credit Saint is unable to serve residents of 43 states as listed on the company’s signup form.
Reading: Credit Saint Credit Repair Review
Types of Services
credit rating Saint ’ mho services are packaged into three membership levels that vary, depending on how aggressive you need to be in order to remove inaccuracies from your credit report. This is beneficial as it lets you choose a custom-make plan that matches your needs without overpaying for services you don ’ metric ton want .
The entry-level credit rectify design from Credit Saint includes five disputes of inaccurate information on your credit report per calendar month. These can be applied to any type of data except hard inquiries, which are lone covered by upgrade plans. You ’ ll besides get an initial credit score analysis and an ongoing credit score tracker to keep an center on your progress. Both are accessible through a client world wide web portal vein. You besides get creditor interventions ( end and abstain letters ) .
credit Saint ’ s mid-tier package includes everything included in the Credit Polish plan with a few extras. You ’ ll get twice angstrom many credit inquiries ; 10 are included per month, and you can use these to have inaccurate hard inquiries addressed. The software besides includes Experian credit monitoring .
The most aggressive credit repair plan offered by Credit Saint is besides the only one that includes inexhaustible disputes every bill period. With this membership, like the others, you can ask the party to send cease and abstain letters on your behalf. This can be a solution to stop unwanted phone calls related to accounts presently in collections. Of course, you ’ ll besides have access to all services included in the Credit Polish and Credit Remodel packages .
Getting phone calls about unpaid debts you can ’ thymine afford to repay can be nerve-racking and frustrating. many accredit compensate companies advertise discontinue and abstain letters as a way to legally prevent lenders and collections agencies from continuing to make liaison. While this might sound like an easy solution, it ’ s not quite that elementary. Once these companies can no farseeing contact you, they may jump straight to filing a lawsuit. Make sure you discuss both the pros and cons with your recognition repair company before allowing them to send discontinue and abstain letters on your behalf .
|Credit Polish||Credit Remodel||Clean Slate|
|Credit score analysis||√||√||√|
|Credit score tracker||√||√||√|
|Hard inquiry disputes||√||√|
|Experian credit monitoring||√||√|
|Cease and desist letters||√||√||√|
Some credit animate companies make supplementary services available in the imprint of optional add-ons. Since Credit Saint packages all of its solutions into a range of across-the-board plans, the ship’s company doesn ’ triiodothyronine offer any far options to tailor services .
credit canonize customers can get a hold of the company via phone or electronic mail. If you need help during off hours, you can besides log into the Credit Saint customer portal 24 hours a day. here, you ’ ll find your accredit mark tracker and initial sexual conquest analysis for comfortable character .
Former Credit Saint customers give the company modal ratings with some mix reviews. The company has an A evaluation with the Better Business Bureau, although more than 50 complaints are on record in the last three years and the average review score sits at good 3.5 stars. With that said, there are no complaints recorded with the Consumer Financial Protection Bureau, and Google customer ratings are decidedly better with an average of 4.7 stars .
While on-line reviews should sometimes be taken with a grain of salt, they can be useful in spotting trends among former customer opinions. Many of Credit Saint ’ s cocksure reviews make notice of exceptionally friendly customer service agents. On the other hand, the most park ailment comes from customers who say the party didn ’ thyroxine fulfill its 90-day money-back undertake.
Read more: Debt Restructuring Definition
If you have a ailment about the services of a credit haunt ship’s company, you can file a complaint with the FTC or call 877-FTC-HELP .
Since Credit Saint doesn ’ thymine lock customers into contracts, all services are offered on a month-to-month basis, allowing you to cancel anytime without penalty. All you need to do is contact a representative via call or e-mail to request a cancellation before your adjacent placard date .
One of Credit Saint ’ s most unique points of attraction is its 90-day money-back overhaul guarantee. According to this promise, the company vows that if it is unable to remove a single negative token from your report within the first gear 90 days of service, you can ask to have all fees paid up to that point returned .
Customer ailment data shows that many former Credit Saint clients have been abortive in collecting a 90-day refund they felt they deserved. Before signing an agreement with Credit Saint or any credit repair company that advertises a servicing undertake, make certain you get a net explanation in publish of the exact results you can expect by which date. This can help eliminate doubt should you need to ask for your money back.
There are two components to Credit Repair ’ s price structure. The first is an upfront fee that covers the initial exploit time period, including an in-depth review of your recognition report and an initial credit score analysis. then, ongoing services are charged on a monthly footing according to the plan you selected .
This tip structure is fairly standard for the recognition repair industry, although fees are markedly higher than average. The $ 195 first base work tip for the Clean Slate plan is the highest we came across in our reviews of more than 15 credit rating haunt companies .
|Credit Polish||Credit Remodel||Clean Slate|
|First work fee||$99||$99||$195|
The competition : credit Saint volt. The Credit Pros
Our inspection of the credit repair diligence found Credit Saint to be one of the most expensive paid credit animate options presently available. To see whether the cost is worth it, we compared Credit Saint to The Credit Pros, the rival with the most similar price structure .
Like Credit Saint, The Credit Pros offers three-tiered service packages. Each ship’s company offers a like array of services across their three effect plan levels, but The Credit Pros makes more services available at lower tiers. For exemplar, the cheapest plan includes credit monitor, which Credit Saint lone offers with upgrade packages .
The Credit Pros besides includes several services with its plans that Credit Saint doesn ’ metric ton leave at all. These include identity larceny monitor, fiscal plan tools, and a prescription medication discount program. overall, we ’ five hundred consider The Credit Pros a better rate .
|Credit Saint||The Credit Pros|
|Services Offered||Credit repair, monitoring||Credit repair, monitoring, identity theft protection, financial planning|
|Customer Service Touchpoints||Phone, email, client portal||Phone, email, client portal|
|Upfront Fee||$99 to $195||$119 to $149|
|Monthly Fee||$79.99 to $119.99||$69 to $149|
credit Saint ’ sulfur graded packages let customers choose their own approach to credit rectify at a price point they feel comfortable with. The company includes more services than most competitors, offering in-house credit monitoring and the option to send cease and abstain letters to debt collectors. With that said, the service offering falls short of justifying Credit Saint ’ s sky-high prices. The thoroughly news is that a customer-friendly money-back guarantee means you won ’ triiodothyronine be at a sum personnel casualty should you agree to these fees and fail to get results. Sign Up now
How We Review Credit Repair Companies
Our credit rectify reviews take an highly critical spirit at the credit haunt diligence, one that is ill-famed for leading customers astray with fake promises and overpriced services. We assess the quantity and quality of services offered by each company, including their citation repair solutions and extra services like credit monitor and debt management. We compare these services to listed prices to determine value, rewarding any companies that protect customers with a money-back service guarantee. last, we take a cryptic dive into customer review data and analyses from third parties like the Consumer Financial Protection Bureau and the Better Business Bureau .
Learn more : Read our fully Credit Repair Review Methodology here .