Credit Saint

• A+ rating With The Better Business Bureau For 13 Years In a Row
• All Programs Come With a 90-day Money Back Guarantee
• In Business Since 2004
• Free Cancellation At Anytime
• Excellent Customer Service

Established more than 16 years ago, Credit Saint is a New Jersey-based credit restoration specialist that has maintained a consistent A+ rating with the Better Business Bureau for 13 years in a row. In addition, they’ve received top ratings from The Credit Review, ConsumersAdvocate.org, and other independent consumer organizations. They will release more challenges for their clients dollar for dollar than any other credit service company.

Credit Saint’s track record with the BBB and their client success rate are impressive, but are they the best credit-repair company for your needs? Many consumers worry that credit repair specialists are simply full of false promises and overblown claims. In this review, we’ll cover everything you need to know about Credit Saint, so you can make an informed decision.

How Can Credit Saint Help You?

Credit Saint believes that you can guard yourself against future issues related to your credit by understanding your credit report. They’re committed to educating their customers about credit, and they do so with their no-risk, worry-free approach.

Credit Saint has helped their clients remove questionable negative items from credit reports, including:

• Collections
• Late Payments
• Foreclosures
• Charge Offs
• Bankruptcies
• Judgments

How Does the Service Work?

During your free, no-obligation consultation, Credit Saint will review the specific details of your credit history and identify what’s damaging your credit. Not only will they analyze your credit report, but they’ll also explain how to optimize it.

When you do decide to move forward, you’ll be assigned a personal advisory team made up of specialists who will watch over your case. You’ll also gain access to an online account page, where you’ll be able to see a full analysis and as well as progress reports.

The programs work in 45-day cycles. At the end of each cycle, you will be mailed three credit reports.  Each will show the questionable negative items that have been removed from your report. After carefully reviewing your reports, fax, email, or mail them to Credit Saint.

Credit Saint works in a three-step process over one cycle:

Step One: Credit Saint will fully analyze your credit history, challenge the items you disagree with, and set you up with a plan.

Step Two: The credit bureaus will investigate the challenges and press your creditors to defend the questionable items in your credit history. At the same time, you will be implementing Credit Saint’s plan for building the necessary credit to boost your credit score.

Step Three: The credit bureaus will release new credit reports to show the changes that have been made. Credit Saint will update your account page with a progress report, and new challenges will be released.

What Results Can You Expect?

When evaluating a credit-repair company, you should definitely prioritize that company’s success rate among clients. Here are some facts to consider about Credit Saint’s credit-repair service:

• Dollar for dollar, Credit Saint will release more challenges for clients than any other credit service company.
• For a decade, Credit Saint has maintained a consistent A+ rating with the Better Business Bureau.
• They have more than 15 years of experience in credit restoration.

How Much Does Credit Saint Cost?

All programs come with Credit Saint’s 90-day money back guarantee.  You are free to cancel at any time with no fee.  Credit Saint offers different levels of credit assistance to accommodate your personal situation:

The Polish Plan: There is a one-time $99 first-work fee that is charged upon signing up.  After that, it is $79.99 per month.  Medium in its level of aggressiveness, this plan includes access to Credit Saint’s online resources, debt validation, and toll-free phone support. Credit Saint will challenge the following items: late payments, identity theft, charge-offs, and collections.

The Remodel Plan: $99 first-work fee and $99.99 per month.  High in its level of aggressiveness, this plan includes everything included in The Polish Plan plus: Escalated information requests, Challenges to bankruptcies, and Challenges to repossessions. 

The Clean Slate: $195 first-work fee and $119.99 per month. Very high in its level of aggressiveness, it includes all the benefits of the other 2 plans plus:  Dispute Avalanche (feature that will address negative items all at once, helping to speed up the credit repair process) and challenges to judgments.