Pros / This company doesn’t charge an extra fee to pull your initial credit report.
Cons / Only the Clean Slate plan offers the Credit Saint's dispute avalanche service.
Verdict / Though Credit Saint is one of the most affordable services we researched, it doesn't offer credit monitoring or id theft services.
Credit Saint offers credit repair services to people who want to remove negative items from their credit reports and raise their credit score. This company offers three tiers of service, so you can choose to pay for the level that best fits your situation. Unfortunately, Credit Saint’s lowest tier only covers certain types of disputes, which don't include bankruptcies or judgements.
This credit repair company doesn’t offer the quality education that we saw in the best credit repair companies. There is no explanation of credit repair strategies or credit laws on the website. The best credit repair services teach you what damages your credit and what you need to do to fix your credit going forward.
Credit Saint does offer an online portal to help you check the progress of your disputes and to follow along in the credit repair process. Unlike other companies in our review, Credit Saint assigns you a team of four people who can answer your questions as you go through the credit repair process. Credit Saint doesn’t assign you one single agent, as that person can’t be available 24/7 for your case.
The three tiers of service this company offers allow you to pick which kind of credit repair will work best in your situation. The three tiers, in order of services offered and price, are Polish, Remodel and Clean Slate. All the tiers offer basic credit repair services, but Polish only disputes five items at a time. Remodel will dispute 10 negative items while Clean Slate will dispute an unlimited number of disputes. Most companies we researched only dispute five to seven negative items per month, so the 10 disputes with this company’s Remodel service is higher than the average. The Fair Credit Reporting Act (FCRA) gives creditors some leeway to reject disputes as frivolous or irrelevant, but there's no set number of disputes you're limited to. Work with the advisers at the credit reporting firm to make sure your disputes are well researched before sending them off.
Credit Saint doesn’t charge you extra to pull your credit report like many of the companies we reviewed. However, restricting dispute letters to the highest tier of service means that you might end up paying much more for this service than if you pay for a credit report from a different company.
- Pricing per Month
Credit Saint's lack of credit monitoring and poor credit education relegate this credit repair company to a low ranking in our review. Because you have to pay so much for access to creditors, and because the initial setup fee is high for the Clean Slate service, we recommend you choose a higher-ranked company in our review that offers more features. Credit repair has a cost, no matter which company you choose, but it can be worth it if your score improves and you can qualify for better lending rates.