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Credit Saint Review

23 reviews

In a Nutshell

Credit Saint offers transparency and customer service with its three credit repair packages, removing mistakes and increasing credit scores. It offers many educational resources and works transparently, with outlined terms designed to help applicants make informed decisions before they decide on an offer.

pros

  • Fees are returned during a 90-day money back guarantee period
  • Multiple channels for customer support, including live chat
  • Each customer gets a personal advisor

cons

  • Credit Saint is not available in all 50 US States
  • Start-up fee
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Credit Saint at a Glance

How Much 
As low as $49.99 monthly
Guarantee 
90-day money-back
Payment
One-time work fee, monthly fee
Best At 
Communication with collections agencies

Best for?

A rare feature in the industry is Credit Saint’s live chat feature, which is great for people who prefer the ease of online customer service. Customers who are not sure they need a credit repair service but want to try it will appreciate the money-back guarantee, which promises to return all funds if no progress can be made. Credit Saint is best for those seeking top customer service and credit repair guidance.

Features and Services Offered

Credit Saint provides a credit repair service that hunts through credit reports and financial history to find inaccuracies. It then highlights this data, which may have impacted the credit score, and reports it to credit bureaus for immediate removal.

There are 3 packages offered by Credit Saint, designed to fit any budget. After a quick application process, which asks for a few personal details, customers are shown what price they can expect to pay in fees for each package. 

  • Credit Polish Package: Many customers will find what they need here, including access to Credit Saint online, eligibility for the 90-day money back guarantee, and checks on debt validity, late payments, identity theft, charge-offs, collections and other inquiries. Credit Polish purchasers enjoy toll-free support and are charged an initial work fee after which a monthly fee is assessed.

  • Credit Remodel Package: Designed to protect against an expanded array of mistakes, such as details about bankruptcy or repossessions. Customers can expect to pay the same initial work fee as the Credit Polish Package, along with a slightly higher monthly fee for this package.

  • Credit Clean Slate: The most vigilant service that Credit Saint offers, the Clean Slate Package comes with the proprietary dispute avalanche feature, a system that seeks out errors on credit reports with a high degree of efficiency. It also covers disputes on judgements as well, for a higher initial work fee and monthly rate.

Credit Saint works in 45-day periods. Customers receive a report, after the first 45-day period, from each of the 3 main credit bureaus. Individuals are also supplied with advice on how to improve their individual financial situation. The money-back guarantee is 90 days, which allows time to see Credit Saint’s results.

Customers have access to a personal advisor who they can contact to be appraised of their progress or ask questions about building new credit, dealing with creditors and handling debt. Users are connected to the same advisor every time, ensuring consistency and a personal touch.

Monitoring Utilities

The blend of services provided by Credit Saint works to accomplish improvements on credit reports.  After the initial repair cycle has concluded, during which Credit Saint does a full analysis of the customer’s credit history, finds discrepancies and pressures creditors to fix them, you will receive a new report from each of the 3 major bureaus. If no errors have been found, Credit Saint uses one more cycle before fully refunding those users who have not benefited from the service. How frequently Credit Saint checks a report or puts through requests to credit bureaus is unclear, but considering that there is a monthly fee for any of the 3 packages, it is safe to say that at least once a month every credit report receives a thorough checkup.

How Safe is It? 

Credit Saint is clear about which information it collects and when, how or if it is stored and shared. All of this is outlined on the policy page, which also explains that Credit Saint never sells or rents user information to third parties. Data of its customer is only shared with business affiliates and other internal partners to provide the most tailored solutions possible.  Additionally, Credit Saint is protected behind an HTTPS secure socket layer, and ensures the integrity of all personal and financial information that its customers provide. Credit Saint has received an A+ rating from the Better Business Bureau, and there have been no incidents of information being shared or leaked, with customers accordingly satisfied from the thorough protection received.

Payment

One of the best features of Credit Saint is the fee structure transparency which ensures that each customer understands exactly what they will pay before picking a solution. The first work fee is a 1-time payment that covers the initial effort that Credit Saint expends on getting the process started. It is billed just 6 days after signup and ranges from $99.99 to $195. Credit Saint expects to find discrepancies within the first 45-day cycle, and at the end of every month customers are billed the monthly fee. 

Help & Support

Credit Saint makes its phone number accessible and has operators standing by at all hours to help with any request or concern. An email address is also provided and Credit Saint provides a live chat option.  Wherever support is contacted, expect pleasant service and someone who is familiar with credit repair. Customers who use the phone line do not have to wait long before receiving an answer. Emails typically take about a day for a response, and live chat is even quicker. 

Credit Saint Credit Saint Visit Site

Conclusion

Credit Saint provides one of the most comprehensive and transparent credit repair services and succeeds at delivering an array of solutions that fits the needs of most customers.The company is quick to track down inaccuracies on credit reports, contact the appropriate bureaus to fix the reports, and produce tangible credit improvements quickly--or the customers receives their money back. These features combined with the easy access to customer support and educational materials help inform customers well before they decide which of the three packages offered is the best fit.

Physical Address

250 Pehle Ave #200

Saddle Brook, NJ 07663

Top10.com's editorial staff is a professional team of editors, writers and experts with dozens of years of experience covering consumer, financial and business products and services.

Credit Saint customer reviews

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06 Jul 2020

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Top reviews

J**e, CA
5 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

I found the initial review helpful. Nothing that was anything new though. I purchase a service to help repair my credit. It takes 45 days see results.

C****e, NY
5 months ago

Very good and important. Not only is Credit Saint a BBB accredited business, but all programs come with Credit Saint's 90-day Money Back Guarantee.

K***y, NH
7 months ago

They are super helpful, I ask them for help every time! My credit has improved and I have merged my credit cards. I recommend this to everyone.

L***y, VA
8 months ago

I am very familiar with this service and what they provide is invaluable.

R**h, OR
9 months ago

They do a great job overall and I feel they should receive a high mark for fixing my credit. It allows me to consolidate my credit.

S****a, NJ
8 months ago

it has exceeded expectations and carry out outstanding results. It helped repair my credit in the end.

R*e, IA
5 months ago

They helped me raise my credit score 250 points, at a low cost. Also, helped me consolidate my debt.

S***h, MD
4 months ago

Because it's very easy to use and affordable and the staff and community were very helpful/

E**n, NJ
5 months ago

It is a good service to help me understand everything I need to know about my credit.

A*****y, AZ
8 months ago

Credit Saint provides a free credit review prior to purchasing any of their services. Once the review was complete I bought a package and was able to somewhat improve my score.

K****n, AR
8 months ago

I gave Credit Saint the rating that I did because it really does help improve my credit and help in taking in reports and payments.

A*****o, NY
6 months ago

I just did the free credit review. It taught me a few things about my credit.

N***i, CA
7 months ago

I liked the service because the people that assisted me where knowledgeable and I was able to get a free evaluation to determine what I would need to do to fix my credit.

R*****d, TX
8 months ago

Because they always provide best services. I am happy with using them and they did help improve my credit score. No longer is my score unbearable to look at.

M***i, TX
5 months ago

They have been really helpful at repairing my credit and have given really good advice for the present and the future.

T***J, TX
8 months ago

Overall a great company. Just started using it, however, they have been there every step of the way with any question or concerns I have. Everything answered in a timely manner. It's great

Z**k, PA
8 months ago

Very helpful and was a very great experience. I have raved to family and friends and said if they every needed credit repair to use this service.

A****a, KY
5 months ago

This one wasn't the best I have ever seen, the results were not as good as I would like.

A****n, VA
7 months ago

Nothing over all it's probably one of the best companies ever for credit repair.

C****y, TN
8 months ago

I didn't really do anything to help improve my credit. Maybe I should have bought a better package. Felt like I dealt with too many people

23 reviews