Credit Saint

Credit Saint offers credit repair services to people who want to remove negative items from their credit reports and raise their credit score. It has been in business since 2004.

Bang for Your Buck

Score: 1/3

With Credit Saint’s monthly programs starting at only $59.99 a month, the company’s plans are affordable. While the monthly maintenance plans are reasonable, Credit Saint’s credit repair services do not include credit monitoring or identity theft protection.

Credit damage is only half of what influences your credit report. To improve your credit score, you will need to add new positive items. Credit Saint helps you build a balanced report by continuously generating new months of positive credit history.

In addition to work fees, you will also have to pay a $99 monthly subscription fee. Only the Clean Slate plan offers Credit Saint’s dispute Avalanche service. Credit Saint doesn’t charge you extra to pull your credit report like many of the other companies we’ve reviewed, but you may end up paying more for more dispute letters. But because you have to pay so much for access to creditors, and because the initial setup fee is high for the Clean Slate service, there are higher-ranked companies that offer better value for your dollar.

Ease of Use

Score: 2/3

When you sign with Credit Saint, you are assigned a team of advisory specialists. Each time you call, you will speak with the same people, which is a nice touch. Your team of specialists will check in with you periodically to make sure you understand what’s going on, and ensure you stay on the right track to credit recovery. This is important because it shows Credit Saint does want its customers to become educated in the process.

Credit Saint offers three packages to suit your credit repair needs: Polish, Remodel, and Clean Slate. Packages can be canceled at any time. Stay on top of your account without a single call using Credit Saint’s online account page. The online account management tool allows you to stay up to speed on what’s going on with your credit by providing a full analysis as well as progress reports along the way to help you monitor your progress. Unfortunately, Credit Saint is not available in South Carolina.

Customer Service

Score: 3/3

Credit Saint’s 90-day money-back guarantee is reassuring for clients when they don’t know what to expect. If you do not see any questionable items deleted from your credit in 90 days, you will be entitled to a full refund. While there is an initial work fee in addition to the monthly charge, you are guaranteed a refund if you are not satisfied. Most changes to your credit report will take 45-days to show.

Credit Saint’s 90-day money-back guarantee allows you to see if there is progress being made and if this is worth your continued investment. Credit Saint’s dedication to customer service is unique in the industry. Not only do you have 24/7 access to your credit repair account online, but you also get the personal touch of having a dedicated team working with you. You are able to call your team at any time during your credit repair process, a level of service unparalleled in the credit repair industry.

Reputation

Score: 3/3

Credit Saint takes pride in offering the most comprehensive service available and has been regularly recognized for such. With over a decade of experience, Credit Saint’s credit repair services have assisted thousands of clients in its 15 years of credit repair. Credit Saint helps clients attack their credit damage by challenging the inaccurate, untimely, misleading, biased, incomplete, or unverifiable negative items from their credit reports.

It bills itself as one of the most aggressive services available. All the tiers offer basic credit repair services, but the Credit Polish service disputes only five items at a time. The Credit Remodel service will dispute 10 negative items. And the Clean Slate service comes with an unlimited number of disputes. Most companies we researched dispute only five to seven negative items per month, so the 10 disputes with this company’s remodeling service is higher than the average. This can be a red flag, as you want to ensure all disputes are valid. It currently holds an A+ rating with the Better Business Bureau (BBB) but has only two reviews.

Bottom Line

Credit Saint is a budget-friendly credit repair agency that has made customer-service its No. 1 priority. The company wants clients to feel they are in control of their money, so it focuses on the customer and provides a money-back guarantee. Whether you need a polish or a complete credit overhaul, Credit Saint has a package tailored to your specific needs, but it may cost more in the end.

The company’s lowest tier covers only certain types of disputes, which don’t include bankruptcies or judgments, and it doesn’t offer quality education about credit.

Credit Saint doesn’t charge you extra to pull your credit report like many of the other companies we reviewed, but you may end up paying more for more dispute letters. You have to pay so much for access to creditors, and because the initial setup fee is high for the Clean Slate service, we recommend you think carefully about whether this makes sense for you.