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PROS:
CONS:
Credit Saint is not the most affordable choice on the market and we think that their pricing is unjustified. They have high initial fees, but don’t offer more than competition. However, they are transparent about their fees and terms of service and they do offer 90 day money back guarantee, which does inspires some credibility.
Credit Saint offers credit restoration services for more than a decade. The company was founded in 2004.
Their services come in 3 packages: Polish, Remodel and Clean State. Each of them offers the services on different levels.
The Polish package can help you remove from your credit report negative items such as late payments, collections, inquiries, identity theft, charge-offs.
The Remodel Package also adds repossessions and bankruptcies to the list.
The Clean State Package includes everything in the other two packages and also judgments.
Their 3 available plans (Polish, Remodel, Clean State) are not exactly affordable and considering the services Credit Saint is offering, we think the price is a bit exaggerated. On the other hand, we did appreciate their transparency regarding their pricing and terms and conditions, which are all clearly displayed on the website.
Credit Saint also offers a 90 day money back guarantee. They claim that if customers don’t see any results within the first 90 days from applying for one of their programs, they are entitled to a full refund.
You can also cancel on them any time you want, but be aware of the fact that if you decide to do so in the middle of your billing cycle, you will still have to pay them for the entire month of service.
The Credit Saint programs work in 45 days cycles. You first have to call for a free consultation and your case will be assign to a team of specialist that will analyze your credit history, see what items can be removed and then challenge those items.
When a 45 days cycle ends, you will receive 3 credit reports at home and see which items were removed. If you choose to sign up for their Clean State package, they will offer unlimited disputes, meaning they will dispute every negative item on your reports, with no limit and within the first 45 day cycle.
One thing we appreciated about this service was the fact that they don’t charge extra for pulling your initial credit report, which is something many competitors do. But even so, we think Credit Saint’s fees are too high.
Another thing we noticed about them is that they don’t really emphasize the educational part of credit repair. Besides the fact that their website is poorly designed, it looks kind of amateurish, there are links that don’t even work, there aren’t any educational materials to help customers become more informed and knowledgeable about credit issues, credit repair and so on.
You would expect more from a company that charges you so much.
The Polish plan is $59.99/month and also comes with a first work fee of $99.
Remodel costs $79.99/month and also $99 as a first work fee.
The Clean State plan is $99.99/month and also includes a first work fee of $195.
There are also couples discounts (per person): 22%.
Phone: 1-877-637-2673
Social media: Facebook, Twitter, Google+
Facebook: https://www.facebook.com/creditsaint/
Credit Saint offers phone, email and live chat support. Their staff is available daily, from 9 am to 9 pm, Eastern Time.
Although their direct customer support is good, we would still wish there were more self-help resources and educational materials available on their website.
Our editorial staff evaluates products and services independently, but Best Review Guide may earn money when you click on links. Read our advertising disclosure.