By: Kelly | Last updated February 13, 2019 
Credit issues affect you daily life in countless ways. When you have a bad credit score, you always struggle to get a trustworthy and good insurance, you can have problems when trying to rent an apartment, obtain a loan and it can even affect you when trying to land a job. The higher your credit score, the lower your interest rates, too.
What exactly is your credit score?
Most of you probably know the answer to this one, but just in case…As you are aware, your credit scores are generated by the 3 main credit bureaus in the US: Equifax, Experian and TransUnion.
Your credit score basically tells banks, lenders and other organizations, how good you are with money, whether you are a good candidate for a credit and what your financial situation is.
Why use credit repair services
Unfortunately, not all of us have impeccable credit reports. Sometimes it may be our fault, other times it can be an error you are not to blame for. Either way, the good news is that you can change that and improve your credit score. You can choose to do it yourself, or sign up for a professional credit repair service.
If you go with the latter, you save a lot of time and headache. Online credit repair companies use specialized software to analyze your debt and come up with a financial plan that helps you mitigate that debt and improve your overall credit score. Credit repair companies also look for potential issues or errors on your reports, dispute them and help you fix them.
Read more on the topic of credit repair.
What is Credit Saint?
Credit Saint is a credit restoration company founded in 2004. It boasts on being ‘ranked #1 credit restoration service in 2017 and 2018’.
Credit Saint has an A+ rating with the BBB (Better Business Bureau) and it is one of the most transparent services on the market. They offer clear information on all their fees and also have a generous money back guarantee.
Pricing
Credit Saint has 3 packages to choose from: Credit Polish, Credit Remodel and Clean State. Each of them uses more or less aggressive methods to restore your credit, with Credit Polish having a medium aggressiveness and Clean State the highest aggressiveness.
At the time of writing this article, the Credit Polish package had a monthly fee of $59.99 and a first work fee of $99.
Credit Remodel had a monthly fee of $79.99 and the same first work fee of $99.
Clean State had a $99.99 monthly fee and a first work fee of $195.
Read more on the Credit Saint pricing.
Although Credit Saint is a reputable company and includes a lot of useful features, we have to be honest when it comes to its pricing and admit that this is not among the most affordable credit repair companies out there. On the contrary, it is quite expensive.
Main features of Credit Saint
Regardless of the package you choose, Credit Saint offers a generous 90-day money back guarantee, which is reassuring and offers a plus of credibility. They claim that if you don’t see any results within 3 months, you can get your money back from them.
Depending on the package you sign up for, you get different services. With the Credit Polish package for instance, you can have negative items cleared from your credit report. A few examples of bad items are inquiries, collections, late payments and so on.
With the Credit Remodel package, you can also add bankruptcies and repossessions to that list.
With their most expensive plan, the Clean State, you get all of the abovementioned plus judgments.
How does Credit Saint work?
Credit Saint works in cycles of 45 days. After you have your situation assessed by one of their specialists, they will start disputing any bad items and potential errors they find. The process takes 45 days to be completed. After 45 days, you will receive your 3 credit reports via mail and you can see which negative items have been removed.
If you go with their most premium package, the Clean State, you can benefit from unlimited disputes. Another useful thing about Credit Saint, which can be seen as a small compensation for their otherwise high fees, is the fact that they don’t charge you for pulling your initial credit report. Unfortunately, a lot of other credit repair companies do that.
All in all, although it is pricey, Credit Saint is a reputable credit restoration company, transparent about its fees and with an impeccable rating with the BBB.
