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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.
The Credit Pros advertise themselves as "a financial technology firm dedicated to improving the lives of [their] clients". They do this through helping them remove inaccurate, unverified, and/or erroneous information from their credit history and by offering education to help prevent similar mistakes going forward.
If you'd like to get a feel for what to expect from The Credit Pros, you can get a free credit score and summary, along with an action plan, by entering your name, number, and email address. You'll then be contacted for your free initial consultation. We found some customers who described that experience as frustrating, with representatives who spoke too fast and didn't take the time to answer questions - but since it's free, there's no risk for you to give it a try for yourself.
Their services are definitely not free - and are actually some of the highest in the industry. Here's what you should expect, depending on which plan you choose:
All plans include 1-on-1 consultations with a certified FICO professional, unlimited disputes, letters to creditors, and pulling your credit report. You should expect it to take up to 60 days to receive your credit report - which also means that you may not see any changes to your credit history for the first two months that you're a client. Keep that in mind as you decide whether you want to be a per-month or pay-as-you-go customer
The Credit Pros have some indicators of a good reputation: an "A+" rating as an accredited business with the BBB, along with some positive customer comments. We also like that they offer a solid satisfaction/refund policy: you can cancel your service at any time, and you can get a full refund if they don't force the removal of any errors on your credit history within the first 90 days of your service.
The Credit Pros also have a very current website. Unlike some of our lower-ranked credit repair services, this provider keeps their blog updated with helpful information and articles, which means that they stay aware of current trends in consumer credit, changes to the law, and so forth.
On the other hand, we found that their client reviews were not all positive. You pay a lot for this service, so you expect to have measurable results and competent customer service, but many of the complaints we found said that the attention received after signing on the dotted line was very different from the sales pitch beforehand. Company reps seemed to respond almost exclusively to compliments online, but we didn't see the same attention given to address problems or complaints.
The Credit Pros are more trustworthy than some credit repair services that you may consider, but their high fees and mixed reviews may lead you to choose another provider.
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 The Credit Pros.
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:
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