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Credit Saint believes in credit restoration, not just repair. Their goal is to help you move forward financially through a detailed analysis of your credit history, methodical steps to challenge and dispute negative items, and rebuild good credit.
All of their programs work in a 45-day cycle. It starts when you sign up for any one of Credit Saint's packages: you'll receive 3 credit reports that you then need to fax, mail, or email to the company for analysis. From there, your results will depend on the plan you select.
Credit Saint has three creatively-named packages for their repair services:
As we browsed the site, we got a pop-up offer of a $15 discount on our initial fees if we signed up for more information.
Credit Saint offers a money-back guarantee that is above-average: if you don't see any negative items deleted from your credit history in the first 90 days of service, you are eligible to request a full refund of any fees paid. Customers should expect it to take up to two months for those deletions to start appearing in their online portal, and the terms of the guarantee require the client to send in any requested documentation or other updates in a timely fashion.
For the most part, Credit Saint's reputation is good: accreditation and an "A+" rating with the Better Business Bureau is strong evidence that they're helping people repair their credit in a way that is trustworthy and effective. There are also almost no negative reviews registered at the BBB for this company, which is impressive for a business that has been around for over 14 years. We found a few reviews that expressed frustration with Credit Saint's higher-than-average fees for credit repair services, but the company is very transparent with what you'll pay. We would like to see a clearer explanation of all of their services, particularly the "dispute avalanche".
Compared with most of the credit repair services currently being offered, Credit Saint is a choice you can trust to take care of your financial recovery plan.
Credit Repair looks like an incredible service for fixing your credit history. For $99.95/month, this provider will pull your credit report and help you identify which items you want to change or challenge - building a plan with you instead of creating an arbitrary strategy without your input.
From there, Credit Repair's experts work with credit companies to implement your plan, and then they verify with the credit bureaus to make sure that those changes actually take effect. You can track your progress through your personal online dashboard and a mobile app, where you'll also see your score tracker and analysis of the changes to your credit profile.
You'll also find great resources in the Education section of the site. Want to know how bad credit affects you, or how to get your free credit report? You'll find that information here, along with an up-to-date blog, tools to help you in your financial planning, and much more.
Unfortunately, Credit Repair has lost some credibility within the industry. Why? According to the Better Business Bureau, the company was asked to prove their claims that the average customer sees progress every month while using their services - even seeing improvements in the neighborhood of 7% of questionable credit report negatives being taken off their credit reports every 30 days. As of the date of our review, the BBB was still reporting that they had not received proof of those advertising claims. Those claims are still prominently featured on the Credit Repair website.
While we did find quite a few customer reviews that said their credit scores improved reliably over time using the Credit Repair service, it's hard to recommend a business that has an "F" grade at the BBB because they didn't take the time to prove that their advertised claims were legitimate. If those facts are accurate, it should be a simple process to report them and clear up the concern at the BBB. If that happens in the future, Credit Repair will probably move up in the rankings among the services we reviewed; until then, we suggest you look at some of the higher-rated companies for your credit history improvement plan.
Best Credit Repair Companies
To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of Credit Saint and Credit Repair.
Who's the best credit repair company? Most Americans know that a good credit score and credit history are important. That one number, your credit score, can determine your ability to get a loan for school or for a car, be approved as a tenant, or to qualify for a credit card.
Unfortunately, when your credit history is less than fantastic - because of making payments after the due date, having too many credit inquiries, or even having mistaken information associated with your identity - you'll have fewer options when you need to make a major purchase. You may even have to pay higher than average rates on your car insurance or your mortgage.
Using a reputable credit repair company puts you back in control of your financial reputation. These services work on your behalf to reduce or eliminate any negative factors in your credit history, working directly with collection agencies, creditors, and even with the three primary credit bureaus. With the help of a credit repair company, you can improve your score and even put a stop to negative information being reported on your accounts. Most services take several months before you see measurable results on your credit report, so adjust your expectations accordingly.
With so many services advertised in the media and online, how can you tell if a credit repair company is reputable and effective? As you compare the various providers, here are several criteria to keep in mind:
TopConsumerReviews.com has reviewed and ranked the best credit repair companies available today. We hope this information helps you find the right credit repair program that meets your needs and gets you on your way to an improved credit history!
Choosing a Credit Repair Company
If your credit score needs some professional help here's how to search for a quality credit repair company.
Start at the Computer
Searching online for a credit repair company provides many benefits in finding and choosing the right service provider for you and here's why:
Look for These Characteristics
When searching for the best credit repair company look for the following characteristics in a quality company before making your selection:
Credit Repair In The News
Your credit score is a three-digit number between 300 and 850, generated by a mathematical algorithm (a mostly secret formula) based on information in your credit report compared with information ...
Published: Mon, 12 Nov 2018 22:00:00 GMT
The Rho Gamma Omega Chapter of Alpha Kappa Alpha Sorority, Inc. and Reliant Credit Repair of New Jersey invite you to attend an informational session on credit restoration. The event will convene on T...
Published: Sun, 11 Nov 2018 08:00:00 GMT
A separation or divorce may have had a devastating impact on your financial health. The good news is that with time and discipline, it's possible to repair a bad credit history, according to Anne Arbo...
Published: Tue, 13 Nov 2018 22:36:00 GMT
Credit: Front Cell Neurosci ... and the Hospital Clínico San Carlos has developed an innovative treatment to repair damaged brain tissues. Thanks to the implantation of encapsulated stem cells ...
Published: Wed, 14 Nov 2018 06:50:00 GMT
a Credit Repair Consultant for Credit Repair Expert. "Hard inquiries generally lower your credit score by a few points." 5. Credit Mix A portion of your score is based on the mix of credit you have (r...
Published: Sun, 11 Nov 2018 10:27:00 GMT
Most credit-card rewards programs allow you to redeem your points ... a not-for-profit that provides cleft repair surgery in developing countries. "The fallback is just redeeming for cash. They can go ...
Published: Wed, 14 Nov 2018 11:14:00 GMT
Credit: Laboratory of Biomolecular Engineering ... but scientists have been racing to adapt CRISPR/Cas9 to repair mutations that cause genetic diseases and to manipulate DNA in laboratory experiments.
Published: Tue, 13 Nov 2018 05:27:00 GMT
Discount Credit Card Supply (DCCS) is pleased to announce the growth ... The combination of encryption and deployment with our repair service gives customers a breadth of technology performed and ensu...
Published: Tue, 13 Nov 2018 04:00:00 GMT
But for Sohnrey, that experience paled next to losing a baby daughter, then watching two young sons go under a surgeon's knife to repair holes in their hearts ... With a spotty credit history, only ab...
Published: Mon, 12 Nov 2018 06:09:00 GMT
One of the more practical concerns many people face after a divorce is their credit score. Between marital debt, financing a household on one income, and establishing new credit in your own name, divo...
Published: Thu, 18 Oct 2018 10:52:00 GMT
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