Saturday, August 13th
2022 Credit Repair Company Reviews
Credit Saint
- "A" rated and accredited by the BBB
- In business for 15+ years
- Free credit evaluation
- No first work fees when you add one family member
- 90-day money-back guarantee
Credit Saint takes a two-pronged approach to credit repair: not only will they work to identify what items in your credit history are damaging your score (and then target them for challenge, dispute, and/or removal), but they'll also look at the positive aspects of your credit and coach you on how to open/close credit and pay bills to maximize your score.
3 credit repair plans
The service level you choose at Credit Saint depends on your personal situation. Here are the three options:
- Credit Polish ($79.99/month + initial work fee of $99): described as being "medium aggressive" , this plan comes with challenges to the three credit bureaus, score analysis, creditor interventions, and credit score tracking.
- Credit Remodel ($99.99/month + initial work fee of $99): this tier has a high aggressiveness rating and includes all of the features of Polish, plus inquiry targeting.
- Clean Slate ($119.99/month + $195 initial work fee): Credit Saint's most aggressive credit repair option gives you unlimited challenges to the three credit bureaus, plus all of the services previously listed.
A little more info, please
We would like to see Credit Saint make a few things a little more obvious. First, it wasn't until we went into the Get Started section (where you can request your consultation online, if you'd prefer not to make a phone call) that we learned that they offer a "no first work fee" when you sign up a family member for credit repair. We also couldn't find any statistics about how many deletions and challenges they've entered over the years. At least you can count on Credit Saint's guarantee: you've got 90 days to see if they are successful at deleting any questionable items from your credit, and they'll give you a refund if not (subject to a few extra terms and conditions).
Strong rating from the BBB
It's pretty rare for a credit repair service to be both "A" rated and accredited by the Better Business Bureau, but Credit Saint has earned that distinction. There were nearly 60 complaints logged at the BBB in the last three years, but that "A" rating means that you can trust this company to handle concerns professionally and appropriately.
Costs
- $79.99/month + $99 initial work fee for Credit Polish
- $99.99/month + $99 initial work fee for Credit Remodel
- $119.99/month + $195 initial work fee for Clean Slate
Good client feedback
We also found a decent number of reviews elsewhere from Credit Saint clients who are very happy with the results of their credit repair services. Most of them referred to the initial consultation and start-up process, though, and not much was said about the effectiveness and end results. Then again, "no news is good news" : if people aren't returning in droves to complain about the service a few months later, we'll call it a win.
In the top five for credit repair
Credit Saint makes our top five among credit repair services, if for no other reason than the fact that they have such a good reputation with the Better Business Bureau in an extremely tough industry. Your monthly prices will be reasonable here, and Credit Saint's guarantee should make it risk-free to get some improvements to your credit score in the first three months.
More Credit Repair Company Reviews
Which Credit Repair Service is the Best?
Americans have finally started to understand the importance of a good credit score: from 2011 to 2021, the nationwide average increased from 689 to 714! Anything over 700 is considered to be "good" and can be the key to opening doors financially - everything from renting an apartment to securing an auto loan or mortgage may rest on your credit report.
Unfortunately, not everyone understands what goes into a positive credit history. Late payments, applying for multiple credit cards in a short period of time, or even problems with mistaken identity can all lead to a less-than-excellent credit profile. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt.
Credit Repair Company FAQ
Continued from above...
That's where credit repair services enter the picture. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. Depending on which company you choose, the service might also include cease and desist letters, goodwill letters to help you qualify for credit in the future, credit monitoring to keep you on track, and one-on-one coaching.
You shouldn't expect miraculous, rapid increases in your credit score - most credit repair processes result in a modest increase of about 40 points, though some may bring you up by 100 points or more - but it could be what makes the difference for your financial goals and credit needs.
As you start to explore the possibility of credit repair, you'll soon see that there are many providers hoping to gain your business as a client. Which one is the best for you? Here are a few things to keep in mind as you decide:
- Services provided. What is included in your monthly fee? Will you get a certain number of challenges and disputes or is it unlimited? Is credit monitoring included? Will you get coaching on managing your finances going forward, so that you can avoid needing credit repair down the road?
- Fees. What will you pay for the services you receive? Is it month-to-month or a one-off cost? Is there an initial work fee or setup cost? Also, many services expect that you will have a credit report in hand at the time of your first consultation; some include that with your fees, while others charge you for it. Be aware that you can request your credit report once per year for free: the CFPB recommends using AnnualCreditReport.com to get yours from all three of the major credit bureaus at no cost.
- Results. The best credit repair services tell you what to expect and how quickly. It can take a month or two before your credit score changes, even if your provider is working diligently behind the scenes on your behalf.
- Reputation. The Better Business Bureau isn't a big fan of the credit repair industry, so it's not uncommon to see reputable providers with a less-than-stellar BBB grade. Rely on client feedback to paint a clearer picture instead. Do customers say the credit repair service was effective? Was it worth the money they paid? Did their assigned reps update them regularly with the progress made on their credit reports?
To help you get your finances back on track, TopConsumerReviews.com has evaluated and ranked the most popular credit repair services available today. We're confident that this information will give you everything you need to choose the right partner in your journey towards a fantastic credit report!
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