Credit score Saint assessment: A credit score restore firm with many options, however various outcomes

Credit score Saint is a credit score restore firm primarily based in New Jersey. They’ve helped greater than 200,000 shoppers with their credit score points, relationship again to 2004. With one of these expertise, prospects can anticipate outcomes and Credit score Saint doesn’t disappoint. In reality, they provide a 90-day money-back assure to again up their expertise. This assessment will dive into the main points of Credit score Saint that can assist you decide if it’s the firm that may assist you to together with your credit score restore wants. All charges and charges are present as of March 22, 2024, and are topic to vary. 

Credit score Saint

Variety of accessible choices: 3
Price: $99 preliminary working payment + $79.99 per thirty days
Rankings: A
Time: They work on 45-day cycles. Time varies relying on credit score points.

Who’s Credit score Saint good for?

Credit score Saint is appropriate for people with an unfavorable credit score rating who need to enhance it. For the reason that best credit repair companies can not take away true objects, Credit score Saint is greatest for individuals with inaccurate knowledge on their credit score experiences. This consists of individuals who have made preparations with the creditor that aren’t mirrored on the report or those that have skilled identification theft and must rebuild their credit score utterly. Anybody with unsuitable data from collectors on their credit score report is a perfect buyer for Credit score Saint.  

Who shouldn’t use Credit score Saint?

Credit score Saint isn’t for individuals with poor credit score who’ve the right data on their credit score experiences. Whereas Credit score Saint remains to be more likely to attempt to take away the objects by submitting disputes to the collectors and hoping that they don’t reply inside 30 days, this tactic seldom works in immediately’s credit score market. Even when they’re able to take away it from the report, that is typically a short lived answer since collectors have the choice to refile the credit score downside so long as it’s correct and so they have the proof of it. 

Which means a big share of individuals with poor credit who’re hoping for a miracle treatment to their credit score report will not be good candidates for credit score restore or Credit score Saints’ providers.

Execs Cons
90-day money-back assure Some buyer complain that they don’t get significant outcomes
Good customer support with fast response instances The portal isn’t as user-friendly as some rivals
Buyer portal to trace progress
Will get dispute letters out on the identical day as signing up

Kinds of providers the Credit score Saint gives to assist enhance credit score

Credit score Saint affords three plans for patrons to work with them. The plans are damaged all the way down to how aggressively prospects need to assault repairing their credit score scores. 

Credit score Saint providers Credit score Polish Credit score Rework Clear Slate
Challenges to the three credit score bureaus Sure Sure Sure, Limitless
Rating evaluation and tracker Sure Sure Sure
Creditor intervention letters Sure Sure Sure
Inquiry focusing on No Sure Sure
Customized information to constructing credit score No Sure Sure
Actual-time account sync No Sure Sure
Creditor interventions No No Sure
Acqualify Mortgage Readiness Program Enrollment No No Sure
Hire-to-Personal Residence Program accessible via Pathway Houses No No Sure
Report funds to all 3 credit score bureaus No No Sure
Three-bureau experiences and scores No One bureau Sure
90-day Cash-back Assure Sure Sure Sure
Saint Authorized Watch Sure Sure Sure

How Credit score Saint’s charges work

Credit score Saint affords three subscription plans. Every plan begins with an preliminary working payment: $99 for the Credit score Polish and Credit score Rework plans, and $195 for the Clear Slate plan. Then, there may be the month-to-month fee plan. The Credit score Polish plan prices $79.99 per thirty days, $99.99 per thirty days for the Credit score Rework plan, and $129.99 per thirty days for the Clear Slate plan. 

Subscribers can cancel their plans at any time. In the event that they achieve this on or after the ninetieth day, they could be eligible for a refund via the 90-day Cash-back Assure. Members have to be a part of this system for 90 days to be eligible for the assure. Along with the time-frame, contributors:

  • Can’t get any new derogatory objects on their credit score on this timeframe 
  • They need to make all funds well timed
  • Should fax or e-mail proof of identification inside 5 days to Credit score Saint (i.e., driver’s license and Social Safety card)
  • Refund audits are between 91 and 120 days from the time they obtain your first fee to activate your account. Persevering with this system past the 120 days waives the proper to a refund. 

How does working with Credit score Saint impression credit score rating

Working with Credit score Saint can have a direct impression in your credit score rating. The quantity of the impression will rely on what number of derogatory objects are eliminated out of your account and what these objects had been. For instance, late funds can have an effect on your rating by 180 factors and keep on the report for seven years. One thing as little as a tough inquiry can drop your rating by 5 factors. Eradicating these things removes the impact they’ve in your rating, in the end elevating the rating to a greater customary. 

It is very important keep in mind that Credit score Saint, like all different credit score restore corporations, can not take away correct derogatory objects out of your credit score report. They’ll solely problem inaccurate knowledge. The extra proof you’ve of the error, the better it’s for Credit score Saint to get a good response to their dispute letters. 

How lengthy does Credit score Saint take to enhance credit score rating

It could possibly take months for Credit score Saint to take away derogatory objects out of your credit score report. The corporate works on a 45-day cycle. This cycle begins with Credit score Saint sending a dispute letter to the creditor. The creditor has 30 days to reply to the dispute, and you’ve got 15 days to reply to their data. This cycle might be repeated till the dispute is resolved. 

Whereas most individuals need to get outcomes quick, endurance is essential when engaged on resolving credit score disputes. It might take time and is barely efficient if the disputes are for inaccurate knowledge. 

Credit score Saint scores and popularity

Customers’ issues about Credit score Saint are the identical as these about different credit score restore corporations. They really feel they’ve paid for a service that doesn’t produce outcomes. That is irritating for customers who want their credit score repaired to get a mortgage or a lease—or not less than extra favorable phrases. When trying on the complaints listed within the Higher Enterprise Bureau, many complain that the corporate is a rip-off and that you just’ll pay for nothing. 

The opposite grievance is that the money-back assure has so many caveats that getting a refund is nearly inconceivable. So, whereas the corporate has a assure, many really feel that it’s pointless.

Credit score Saint Rankings
TrusPilot 3.2 stars out of 5
Google Evaluations 4.5 stars out of 5
Client Affairs 4.9 stars out of 5

Are there dangers with credit score restore via Credit score Saint

As with every credit score restore firm, the risk is that you will spend your money and never get outcomes. Utilizing Credit score Saints is not going to negatively impression your credit score rating in any respect. However in case you don’t qualify for the money-back assure, you’ll be left paying for a service that may not ship the specified outcomes. 

Evaluate Credit score Saint options

First work payment Month-to-month payment Credit score monitoring & Credit score disputes Stop and Desist Letters Debt Settlement Credit score-Builder Loans
Present Choice
Credit score Saint
$99 to $195 $79.99 to $129.99 Sure No No No
The Credit People $19 $99 to $119 Sure No No No
The Credit Pros $119 to $149 $69 to $149 Sure Sure No Sure
Sky Blue Credit score $0 $79 to $99 Sure Sure No No
Present Choice
Credit score Saint
$99 to $195
$79.99 to $129.99
The Credit People No
$99 to $119
The Credit Pros Sure
$119 to $149
$69 to $149
Sky Blue Credit score No
$79 to $99

Is Credit score Saint best for you?

Credit score Saint is an efficient possibility for these looking for to dispute inaccurate objects on their credit score experiences to lift their scores. Their pricing, although on the upper finish of the rivals, nonetheless is inside business requirements and price it for a corporation with 20 years of expertise working with customers. Credit score Saint is a good possibility if you’re in search of an organization that can assist you dispute derogatory objects in your credit score report. 

Incessantly requested questions

Is Credit score Saint an actual firm?

Credit score Saint is an actual firm that helps individuals with credit score disputes. It’s primarily based in New Jersey and has been serving to customers since 2004. 

How lengthy does it take for Credit score Saint to work?

Credit score Saint will get to work instantly, sending letters to dispute derogatory objects. It really works on a 45-day cycle, with collectors being given 30 days to reply to the dispute and customers 15 days to reply. That stated, it may nonetheless take months for Credit score Saint to get outcomes. 

Can I cancel Credit score Saint?

You aren’t locked right into a long-term contract with Credit score Saint and might cancel anytime. Should you cancel on the ninetieth day, you could be eligible for a money-back assure.