Credit Saint Reviews – 2021

Credit Saint Review- The Credit Repair Blueprint

Improving your credit score is a challenging task, but if you’re looking for a reliable company to help you improve your credit report and boost your credit score, then you must go for this – The Credit Saint.

Yes! You heard it right. Credit Saint is a reputable credit repair company that helps people to improve credit score by building a positive payment history in the long run.

One interesting thing that you’ll like about this company is its 90-day money-back guarantee and customized packages that every company does not offers.

This is why we’ve handpicked and rated this as one of the best credit repair companies.

So, in this blog post, we’ll give in-depth Credit Saint reviews to make a proper decision whether this company is the right choice for you or not. Let’s get started.

Credit Saint Review - The Credit Repair Blueprint
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Who is Credit Saint?

Credit Saint is one of the best credit repair companies that fixes your credit by removing negative information from your report. They will work on both the FICO score and other scoring models, like VantageScore. The goal of their service is to help you get back on track with lowering debt balances

Credit Saint has over 15 years of experience. They have been helping people fix their credit for decades and are still doing it to this day. Credit Saint is one of the few credit repair companies that has an A rating at Better Business Bureau.

If you have bad credit and need to remove negative items from your credit report, Credit Saint will fix these issues for you and help you change your life by repairing your credit score in the process. They have an impressive track record with decades of experience under their belt: they’ll know what to do to make sure that all of your problems are solved once and for all!

How Does Credit Saint Work?

When you reach out to Credit Saint for a free consultation they will review your credit report, your history and challenges you have that are damaging your credit score. They will help you make a plan to repair your credit score.

The next step, is contacting the credit bureaus to investigate the items hurting and any inaccurate information on your credit score and negotiating to get those items removed from your credit.

Credit Saint works in 45 day cycles and at the end of each cycle you will receive your 3 credit reports from the 3 credit bureaus. These reports will show you the results of which items are still questionable negative items that need to be removed and the process repeats until these items are removed.

Related: How To Dispute Your Credit Report Information

How Much Does Credit Saint Cost?

Credit Saint has three credit repair packages starting at $79.99 per month to $119.99 per month.

Credit Polish – $79.99 per month ($99 initial work fee)

Best for someone who needs a little bit of credit repair

Includes:

  1. Challenges to the 3 credit bureaus
  2. Score Analysis
  3. Creditor Interventions
  4. Score Tracker

this plan also includes work associated with challenging 5 inaccurate reporting items per dispute cycle.

Credit Remodel – $99.99 per month ($99 initial work fee)

Best for someone who needs a more aggressive credit repair strategy with items such as bankruptcies or repossessions.

Includes:

  • Challenges to the 3 credit bureaus
  • Score Analysis
  • Creditor Interventions
  • Score Tracker
  • Inquiry Targeting
  • Experian Monitoring

This plan includes work associated with challenging 10 inaccurate reporting items per dispute cycle.

Clean State – $119 per month ($195 initial work fee)

Best for someone who needs the most aggressive credit repair strategy

Includes:

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

This plan also includes work associated with challenging unlimited inaccurate reporting items per dispute cycle.

Credit Saint Pros & Cons

Here are some of things we like and don’t like about Credit Saint after completing our review:

Pros

1. 90-Day Money-Back Guarantee – Credit Saint offers a 90-day money-back guarantee is they aren’t able to get some of the negative items removed from your credit history.

2. A+ BBB Rating– One of the few credit repair companies that has an A rating on BBB for over a decade.

3. Affordable – Credit Saints monthly packages are very affordable compared to other credit repair companies.

Cons

1. Not In All States– Unfortunately if you live in Georgia, Kansas or South Carolina you won’t be able to use Credit Saint to help you repair your credit.

2. High Initial Work Fees-Credit Saint charges an initial work fee of $99 to $195 to begin working on your repairing your credit plus your monthly fee.

Can Credit Saint Get Late Payments Removed?

Credit Saint can help you understand if you have any late payments that can be removed from your credit report if there is inaccurate information.

Look for any inaccurate late payments that were reported, and see if there is any discrepancies between the three credit bureaus such as prices and dates.

Late payments can stay on your credit report for up to seven years and if you close an account or pay the past due amount, the credit bureau doesn’t have too remove the late payment.

Late payments can really hurt your credit score as on-time payment history makes up 35% of your FICO score.

You can remove late payments by writing a goodwill letter explaining why you couldn’t make the payment on time or had a hardship.

Another way to remove a late payment is pay-to-delete which you agree to pay the amount that is past due and the creditor will report it the credit bureaus to have the late payment removed.

The last way is to dispute any late payments by sending dispute letters to the credit bureaus.

Can Credit Saint Remove Hard Inquiries From Your Credit Report?

Once Credit Saint reviews your credit report with you and you notice any hard inquiries that you don’t remember, aren’t sure what they are, or didn’t authorize they can help you get those items removed.

A hard inquiry will show up on your credit report any time you apply for a loan, a credit card, a mortgage, or a line of credit.

Some credit card companies will do a hard inquiry when you request a credit limit increase.

Hard inquiries won’t impact your credit score too much but if you have too many inquiries in a short period of time that can be a red flag to creditors that you are desperate for money and they might not lend money to you.

Related: What Happens When You Don’t Pay Your Credit Card Bill

How Do You Sign Up For Credit Saint?

Credit Saint Review

To sign up for Credit Saint you can call them at 877-637-2673 or fill out their easy online form on their website and wait for a representative to call you. Once you contact them, you will receive a free credit consultation to see what services best fits your needs.

You can cancel your services anytime by calling them or sending a email with a notice of cancellation.

Credit Saint Alternatives

If you are interested in other credit repair alternatives check out some of these best credit repair company alternatives:

1. Is Credit Saint Legit?

Yes, credit saint is entirely legit because it fixes your credit by removing negative information from your report.

2. How To Sign Up On Credit Saint?

To sign up for Credit Saint you can call them at 877-637-2673 and wait for a representative to call you. Once you contact them, you will receive a free credit consultation to see what services best fits your needs.

3. How much does Credit Saint cost?

Credit Saint has three credit repair packages starting at $79.99 per month to $119.99 per month:
1. Credit Polish – $79.99/month
2. Credit Remodel – $99.99/month
3. Credit State – 119.99/month

4. What is the primary work of the Credit Saint?

The primary work of the Credit Saint is to work on both the FICO score and other scoring models, like VantageScore to help you get back on track with lowering debt balances.

Credit Saint Reviews: Final Thoughts

Whether you have bad credit or fair credit you can use Credit Saint to help you repair your credit. Credit Saint is one of the best credit repair companies that work to remove inaccurate information from your credit report.

Credit Saint also offers a 90-day money-back guarantee if they can’t remove some of your inaccurate information making them one of the few credit repair companies to do so.

Do you have bad credit, no credit, or want to learn how to become a credit expert?

Signup for the #1 DIY Credit Repair Course

The Credit Repair Course includes:

  1. How to find your credit report and your ACTUAL Credit Score
  2. A breakdown of how your credit score is calculated
  3. How to increase your credit score in each category
  4. The best tools to increase your credit score fast
  5. How to dispute negative items from your credit report
  6. Credit dispute letter templates and when to send them
  7. The best credit cards for your credit score
  8. How to use credit cards to leverage your money and business
  9. How to use credit cards to get free travel, bonuses and rewards

Learn how to fix your credit for life by enrolling in The Credit Repair Blueprint today!

Credit Repair Course - The Credit Repair Blueprint