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Do you know anyone with a perfect credit score? How about someone who has never taken out a loan or had a credit card? You likely answered no to both of these questions.
These days almost everyone has at least one credit card and most people have to take out loans to go to school, finance a car, or buy a house.
It all appears fine and perfectly normal until unexpected emergencies, job loss, medical bills, and other financial disasters cause you to fall behind on payments or incur even more debt than you can carry or pay off.
If this sounds familiar, don’t worry, Credit Saint can take the fear and anxiety out of it all and help you repair your credit and feel hopeful about your financial future.
Let’s discuss what Credit Saint does and everything they offer to help you save money on interest and improve your credit.
What Do They Do?
Credit Saint is a credit restoration specialist based out of New Jersey with over 15 years of experience. It’s ranked #1 consistently by customers and holds an A rating by the Better Business Bureau.
As a leading credit repair service, they employ specialists who help repair your credit by disputing negative marks and showing you how to build a positive credit history so you can move forward confidently.
Like with any credit repair service, there is nothing Credit Saint can do for you that you can’t do yourself. Everyone has the right to dispute credit report errors and negative information on their credit reports. The difference is they’re specialists. They know the consumer protection laws, work daily with the three major credit bureaus, and have years of experience to back them up. In other words, Credit Saint can offer you a higher rate of success than going it alone.
Credit Saint’s specialists will evaluate your credit report for free then go item by item, working individually with creditors to help lower payments, remove inaccurate, outdated, incomplete, misleading, or unverifiable negative marks from your credit score and make it easier and more manageable to pay off your debt. They cannot remove any accurate negative marks and any credit repair service that claims to do so is most likely a scam.
Credit Saint was very helpful in getting me started with my credit recovery Melissa W
Better Business Bureau
What do you get with Credit Saint?
Credit Saint offers three different packages each with slightly different features. Some features offered are:
- Credit Squad – Monitor your credit and check your credit history to see what should be disputed and what is accurate.
- Experian Score Tracker – Watch your credit score improve as you work with Credit Saint. You can check your credit score for free without hurting it.
- Full-featured online portal – While Credit Saint does not have an app it does have a website with an online portal, the Timeline Progress Repot, that allows you to track the progress and see the efforts made to improve your credit. Learn the key factors affecting your credit score and how to build a positive credit history with their Credit Analysis section.
- Custom Disputes – Credit Saint does not send out generic letters disputing all negative marks in hopes that something sticks. Instead, you get custom arguments and escalated information requests designed specifically to help you.
- 90-day money-back guarantee – Credit Saint offers a 90-day money-back guarantee if you do not have any questionable items removed from your credit report. It does not guarantee that your credit will be fixed within 90 days and cannot since it typically takes longer than that to fully repair and rebuild credit.
- Cancel anytime – If you’re not happy or Credit Saint has done enough, you can cancel at any time. Your service will continue through the last month you paid for and there are no pro-rated refunds.
Customer service was absolutely 💯 A+. They kept me informed and even offered suggestions to improve my score. Credit saint did exactly what they said they would do, and even offered a money back guarantee. No other credit companies do this. There service is affordable and I would highly recommend them 0811Marine
Trustpilot Review
What Packages Do They Offer?
Credit Saint offers three different levels of packages, each unique to your individual goals for your credit and needs. They don’t believe in a one-size-fits-all all approach to credit repair.
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Let’s break down their three packages so you can choose the best one for you.
Credit Polish – $79.99 per month + $99 initial working fee
This package is medium in its aggressiveness and includes a score tracker and challenges to the three credit bureaus. Credit Polish is a good choice for those with a blemish here or there looking for a little credit repair help, possibly before a large purchase or loan application.
Credit Remodel – $99.99 per month + $99 initial working fee
With a high level of aggressiveness, this package includes everything in Credit Polish and a Credit Analysis. If you are working through moderate debt and some collections and need to become more familiar with what is in your current credit report, this is a great package to get a clear picture of your current credit situation and start rebuilding it.
Clean Slate – $199.99 per month + $195 initial working fee
This package has a very high aggressiveness level and is exactly what you are looking for if you need a complete overhaul of your credit. It includes Credit Remodel’s features and then adds several others to get your credit back to its best. These features include Credit Interventions and Inquiry Tracking, which are incredibly helpful.
My credit was boosted forty points in three months. While I did do most of the leg work for them credit saint was able to help remove late fees and the debt. Thanks to them my medical debt was combed through and addressed. They removed a load of stress off my shoulders, and were very forth coming with information. Credit saint also was giving me tips and tricks to boost my credit on my own. The results are my credit score should be increasing again (not sure by how much) here shortly. I can not thank them and sing their prayers enough. I was fighting this for two years, and in three months the issues have been brought to light and resolved. Would hire them again, but pray I do not have to. Jessica S.
The Bottom Line
Working through credit card debt, collections, and adverse events on your credit reports can feel overwhelming and downright scary, but it doesn’t have to. Working with a reputable and well-known company like Credit Saint can help you take some weight off your shoulders and feel more positive about your financial future. They are worth checking out if you want to improve your credit and save money!
