Who Is Credit Saint Best For?
Are you someone looking to better understand your credit? Do you want a complete analysis of your credit history? Or perhaps you wish to boost your credit score and have the negative items removed?
Whatever the case, Credit Saint services sound like the ideal choice for you, as you shall see from our Credit Saint reviews below.
Let’s dive right in!
When it comes to credit, Credit Saint believes that what you don’t know can still hurt you. Hence, with a better understanding of your credit, you will be able to protect it from any credit-related issues in the future.
As a result, Credit Saint offers a free consultation for any questions you might have regarding your credit and the entire repair process. So, feel free to call the Credit Saint phone number 1-877-63-SCORE, to avail yourself of this offer.
The Repair Process
Once you’ve given them a green light, Credit Saint’s first step is to perform a full analysis of your credit history so that you can dispute superfluous credit. Afterward, they will work with you on a plan to build positive credit.
Credit Saint Credit Repair reviews your disputes and challenges the three credit bureaus, which will then investigate and press your creditors to remove the negative items on your credit history. However, you have to do your part as well when it comes to building your credit score as part of the agreement.
Credit Saint Review: The Background
Credit Saint is a leading provider of credit repair services in the US. With over a decade of industry experience, they help thousands of people restore their credit across most states.
And although they stated in their Terms and Conditions that their services are not available in all states, they didn’t mention exactly which ones (except for North Carolina). So, it’s best to reach the Credit Saint phone number to verify whether your location qualifies for their services.
Furthermore, Credit Saint, LLC was founded by the industry leader Ross LaPietra in 2007 and was the first to introduce a full refund policy. According to him, their target audience are those who have inaccuracies in their credit history.
Many Americans struggle with it, so they end paying for exorbitantly high interests or spend more than they should for credit.
Credit Saint BBB has an A+ rating, according to their own claims, so we’ve checked it for ourselves and discovered that it’s, in fact, an A rating instead. Either way, it’s still a relatively high score the bureau gives to a company.
Based on a 100-point scoring scale, it’s equivalent to 94–96.99, which is only second to the highest rating of A+.
Credit Saint reviews from the BBB also show that it had a total of 38 complaints over the last three years, yet 21 of them have already been closed in the last twelve months. Some of those complaints mentioned not being able to receive their refunds within the 90-day policy. However, a Credit Saint representative was always diligent in responding and clarifying such complaints.
Credit Saint customer reviews are also pretty good, but not perfect. As expected, there’s a combination of both positive and negative comments, mostly about their customer experience, which is either excellent or unpleasant. Additionally, some have also commented that it takes quite a long time to see results.
Nevertheless, Credit Saint is trying their best to stay on top of their game in the hopes of helping people restore their credit. For that, we give them credit where credit is due in our own Credit Saint review.
How to Apply
The application process is pretty straightforward.
Visit their site at creditsaint.com, and click the “Get Started” button, which you will see all over their website. You can also click the three bars beside the Credit Saint login button to find it.
After that, you’ll proceed to the application form page where you will have to input your personal information (your full name, home address, phone number, and email address).
You can also tick the box below the form saying “Add Family Member” if you would like to register a family member, which is completely free.
Don’t worry about providing them with your details as our own Credit Saint credit repair review confirmed this page uses standard SSL encryption to safeguard your privacy and personal information.
Credit Saint’s Key Features
As the leading Credit Restoration Company, Credit Saint offers some excellent features for people who want to rebuild their credit and delete unwanted entries in their credit history.
Let’s explore some of their key features.
Your Credit Saint login is your ticket to the three most comprehensive service packages in the industry.
Once you’ve made a free consultation with them, you will be asked to choose the package that best fits your needs. The package of your choice will decide the aggressiveness at which the inaccuracies are removed from your credit history and how you restore credit.
Let’s take a closer look.
1. Credit Polish
This entry-level package has low aggressiveness. Other Credit Saint Credit Repair reviews say that it’s best for those who only have a few issues with their credit. It includes only five disputes of inaccurate information on your monthly credit report. Meaning, it can consist of any type of data except hard inquiries with the three credit bureaus.
You will also get a score analysis and an ongoing credit score tracker so you can monitor your progress.
2. Credit Remodel
This package is Credit Saint’s medium-level aggressiveness. Based on our own Credit Saint vs Lexington Law comparison, the latter doesn’t have that many inclusions on its moderate-level service package. Credit Saint has ten challenges with the three credit bureaus for inaccurate information on your credit history, initial score analysis, ongoing score tracker, inquiry targeting, and Experian monitoring.
Lexington Law, on the other hand, doesn’t have an Experian monitoring and score tracker (though it has other benefits).
3. Clean Slate
Our Credit Saint review found out that Clean Slate is one of the most extensive credit repair service packages in the industry. In fact, it has one of the highest aggressiveness levels among the three packages.
What’s more, it includes unlimited disputes on inaccurate information in your credit history that comes with the three credit bureaus’ challenges. It also includes everything that the Credit Remodel package has, plus Cease and Desists letters.
The credit industry has a plethora of paid services that have varying pricing options. Some are more expensive whereas some are cheaper. We’ve made some comparisons and a more in-depth review of Credit Saint Credit repair pricing and found out that Credit Saint is on the pricier side.
- The basic Credit Polish package will cost you $99.00 for the First Work Fee, and a $79.99 monthly fee.
- The Credit Remodel package has a $99.00 First Work fee and a $99.99 monthly fee.
- The Clean Slate Package has a $195.00 First Work Fee and a $119.99 monthly fee.
When comparing Credit Saint vs Sky Blue, we found out that Sky Blue has only one specific fee amount — $79.99 for the setup fee and the first monthly fee. However, there are no other options available.
Nevertheless, it already contains all the features Credit Saint offers, including Pro analysis, fifteen challenges to the credit bureau every 35 days, debt validation, and more.
The other comparison we’ve made was Credit Saint vs Lexington Law. Like Credit Saint, Lexington Law has three packages. However, they are a bit on the expensive side (for the service they offer). The Standard package is $89.85 per month, the Premium package will cost you $109.95, and Premier Plus — $129.95.
- What personally identifiable information they collect
- The cookies they use
- Where they will use your information
- The information you consent to share, disclose, or sell, and more
Length of Service
Credit Saint doesn’t lock you in a contract. They offer their services on a monthly basis, giving you the freedom to cancel it anytime without any fee or penalty. It’s also easy to do so if the need arises. All you have to do is call their number before your next billing date and ask a customer service agent to cancel it.
One of the key features of Credit Saint is its 90-day money-back guarantee. As we were conducting our Credit Saint review, we came across an interview with its founder, Ross LaPietra. He mentioned that he was the first to apply the 90-day refund policy concept because he wanted to ensure that clients are covered if their services failed.
He further stated that people feel more comfortable when nothing changes in their credit history.
If you wish to contact Credit Saint’s customer support department for a free consultation or inquiries, feel free to contact them on the number on their website (1-877-637-2673).
The majority of Credit Saint Google reviews say that they have excellent customer service, so we decided to test it ourselves. We called them and made some inquiries. It was more than adequate and the customer service agent was pleasant, knowledgeable, and extremely helpful.
The Final Verdict
Undoubtedly, the Credit Saint Credit Repair company is one of the leading credit restoration services today. They offer more options than any of their competitors. While their pricing may be slightly higher than most, their packages are robust and produce more comprehensive results.
And even if, in rare instances, you are not satisfied with the results, there’s always the 90-day refund policy. Whatever happens, it’s a win-win kind of situation.
Pros & Cons
- BBB accredited
- 90-day money-back guarantee
- Three package options
- Free consultation
- Customized dispute letters
- Personalized customer support
- Removes every questionable negative item
- Above-average Credit Saint reviews
- Prices are not readily available
- Doesn’t cover all 50 states
- High initial work fees
- Lacks educational information on the website
Does Credit Saint really work?
Yes, Credit Saint really works. We’ve spent several days researching and scrutinizing the company and its services, using several methods. The best way to prove if it indeed works is to check the comments on Credit Saint Google reviews and other online reviews from actual customers who already experienced their services.
Are Credit Saints worth it?
We know that you may find Credit Saint’s pricing slightly higher than most, and we agree. However, since they also include more services than many of their competitors, including customized disputes, cease and desist letters, and in-house credit monitoring, then yes, it’s worth it.
After all, Credit Saint has a BBB rating of A, which speaks volumes about its reputation.
Does credit repair hurt your credit?
Credit repair, as the name suggests, helps repair your credit. It should not hurt your credit as long as it’s done correctly. While you can fix your credit on your own, it’s recommended to hire a credit repair company to restore your credit in the most secure and optimal way possible.
What is the best credit repair company?
Our Credit Saint reviews and comparisons of over a dozen credit repair companies helped us identify what we believe are the best credit repair companies: Credit Saint, Lexington Law, and Sky Blue. They all offer a robust list of services, have an excellent reputation, and extensive industry experience.