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Credit Saint Review (Credit Saint Cost, Services etc…)

If you have ever considered working with a credit repair company in the US, you have definitely heard of Credit Saint.

Credit Saint is one of the oldest and most trusted credit repair companies in the industry today. They consistently top the list for most affordable, most professional and most successful company on various credit repair reviews, BBB and websites like Consumer Affairs.

Credit Saint really prides themselves on educating their customers and making sure that they never get into bad credit again.

Their bad credit removal methods are aggressive, but this is why they’ve garnered such positive attention in credit saint reviews online, especially the Credit Saint Clean Slate reviews.

How much does Credit Saint cost?

Credit Saint Packages: Credit Saint Cost
Credit Saint Review (Credit Saint Cost, Services Etc...) 3

Credit Saint cost can vary, as they offer three different packages based on what level of aggressiveness you need to clear the unwanted items off of your credit report. Their packages are: Clean Slate (very high aggressiveness level), Credit Remodel (high aggressiveness level) and Credit Polish (medium aggressiveness level).

Here is what each package includes:

Clean Slate (aggressiveness: very high)

  • Unlimited challenges to the 3 major credit bureaus
  • Score Analysis
  • Creditor Interventions
  • Score Tracker
  • Inquiry Targeting

Total Credit Saint cost: $195 initial fee, $119.99 per month thereafter.

Credit Remodel (aggressiveness: high)

  • 10 challenges to the 3 major credit bureaus
  • Score Analysis
  • Creditor Interventions
  • Score Tracker
  • Inquiry Targeting

Total Credit Saint cost: $99 initial fee, $99.99 per month thereafter.

Credit Polish (aggressiveness: moderate)

  • 5 challenges to the 3 major credit bureaus
  • Score Analysis
  • Creditor Interventions
  • Score Tracker

Total Credit Saint cost: $99 initial fee, $79.99 per month thereafter.

The package you decide on will really depend on what your unique issues are. If it’s a repossession or bankruptcy you want repaired, then you will need to go with the “Clean Slate” package. Something minor like a few late payments would be fine under the “Credit Polish” package. It really just depends on how severe your delinquencies are.

The Pros and Cons of Credit Saint

In this section we are going to go over the pros and cons of the Credit Saint cost, professionalism and customer service.

Pros:

One of the biggest reasons you should trust Credit Saint is that they consistently get high ratings from other websites and credit saint reviews. When you see that a company is well reviewed on the internet, you can’t help but take it seriously.

Credit Saint has been featured and praised on BBB, The Observers, Money Magazine, Consumer Affairs and other established publications and blogs. Their reputation is high and sometimes that’s reason enough to sign up for their services.

Credit Saint’s transparency level is very high. Their credit repair packages are all laid out on their website and there are no hidden fees. What you see is what you get.

A lot of people have reported that Credit Saint really adds a personal touch to their services. While most credit repair companies will use a generic template for their dispute letters, Credit Saint prides itself on providing personalized, custom dispute letters that are perfectly tailored to your unique situation.

The Credit Saint cost is fairly low compared to other credit repair companies like Lexington Law. Considering all of the services they offer and their level of expertise, you are getting a pretty good deal. Their monthly fee is considered to be one of the lowest in the industry.

There is also a Credit Saint 90 day guarantee. This means, if you aren’t happy with the services provided by Credit Saint, they will give you your money back, no questions asked.

Cons:

Now, for the cons.

Credit Saint’s monthly fees are very low considering what they offer, however; their setup fees are abnormally high. In general, the Credit Saint cost is moderate, compared to other companies, so it still might be worth it if you are looking to work with a highly reputable company.

They are only available in certain states. Unfortunately, Credit Saint has not gone fully national…yet. People living in Georgia, Kansas and South Carolina will not be able to use Credit Saint’s services.

How does the process work?

You might be wondering how Credit Saint actually files disputes and removes negative items from your credit report.

It’s actually more straight forward than you think…

1. One-on-one consultation

When you first sign up for credit repair services at Credit Saint, you will be assigned a credit repair advisor who will go through your credit report with you and let you know what they can do to remedy your history.

You may also receive advice on how to improve your credit score in general and maintain it once Credit Saint has fixed it.

2. File disputes

After the consultation, Credit Saint goes to work right away on your disputes. They will approach the credit bureaus and/or creditors explaining why the delinquent items on your report should be removed.

If you chose a very aggressive package, they will include repossessions and bankruptcies in their disputes. If you chose a lower tier package, they may only tackle charge-offs and late payments.

As a general rule, Credit Saint files disputes every 45 days. Once they have filed the disputes, they will pull your credit report and update you on what has changed.

At this point, you might decide to stop working with them. Or…if you are seeing good results, you might want to continue to see what else they can remove in the next 45-day cycle.

The great news is, is that 95% of Credit Saint customers say that they see at least some sort of progress within their first cycle.

Why working with Credit Saint = better credit

Credit Saint takes the major factors that affect your credit score and works to diminish them. These factors include: payment history, credit utilization, credit history, credit mix and new credit.

Each of these factors will influence how low or high your credit score is, with your payment history having the biggest impact.

Credit Saint really understands what it takes to erase bad credit and get their clients back into the credit game.

This is why there are so many Credit Saint reviews out there praising their expertise and knowledge in the field of credit repair.

You might be surprised to know this, but so many people will notice that they suddenly have a lower score and don’t even realize that it’s because someone used their identity to open up a new credit card.

Unlike some other credit repair companies, Credit Saint offers legal advice which can come in handy in situations where credit cards have been opened in your name without your knowledge.

When it comes to the Credit Saint cost, it’s really one of the most reasonable rates around when you consider what you are getting.

Takeaways: Credit Saint Review (Credit Saint Cost, Services etc…)

So who should use Credit Saint’s services? Is Credit Saint for everyone? Is Credit Saint good? Their Clean Slate program is really the best deal you’ll be able to find on the internet.

If you are someone with a complicated credit history that needs fixing from all angles (including bankruptcies and repossessions) then consider their Clean Slate package. It’s set up so that Credit Saint cannot stop until they have eradicated most of the negative marks on your record.

If you are only looking for help on a couple items, then consider either doing it yourself, or using their Credit Polish package which provides a moderately aggressive approach to credit repair.

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