Credit repair companies are plentiful. We are proponents of self credit repair because everything that can be done by a credit repair company can be done by a consumer. After all, credit repair is based on consumer finance law. With that said, CreditRepairHQ is a one stop shop for credit repair information. The following a Credit Saint Review for 2022.
The Breakdown
The premise with any credit repair company is they have “experience” and “time” on their side. These are all valid points to tout, but with that experience does come a cost. What sets Credit Saint apart is their customer experience or their UX. Before we get to that, here is a break down on the company:
| Features: | Details: |
|---|---|
| In Business Since: | 2007 |
| Better Business Bureau: | A+ (This is a scarcity in this market) |
| Packages | Credit Polish, Credit Remodel, & Clean Slate |
| Customer Support: | Email & Phone Support |
| Pricing: | $79 to $119.99 on a month to month basis. |
| Credit Monitoring: | For Select Packages (It is not very robust, however) |
| Refund Policy: | 90-Day Money-Back Guarantee |
What Is Credit Saint?
Credit Saint is a credit repair company based in the United States. They have been in business for a number of years, and all reports state they do an excellent job with communications. One of their selling points is being able to help severe credit risks and individuals with very bad credit. If the online reviews are to be believed, they do a fine job at doing so.
Based in New Jersey, they are near the center of the financial world and have excellent leadership that has kept the company stable and the culture as welcoming, not shady as some of the other larger credit repair companies.
Pros and Cons: A Credit Saint Review for 2022.
The pros for Credit Saint are pretty strong.
- A+ rating; BBB: This is a large accomplishment. Very few credit repair companies can claim this, and it is due to their customer experience.
- Transparent Pricing: If I have learned anything, is everyone in credit repair is looking for their hustle. Credit repair companies come and go, and often it is not very transparent. Credit Saint outlines pricing clearly and concisely.
- Money-Back Promise: They tout themselves as the first to offer a money back guarantee.
- Personal Service: Credit Saint offers direct and personal service
The biggest con working against Credit Saint is their initial pricing of $99; this is high compared to other companies. If you were doing your own credit repair, this would cover nearly 20 letters sent by certified mail.
Additionally, Credit Saint is not in all states. If you reside in Kansas, Georgia or South Carolina you will not be able to use their service.
Is Credit Saint Legit?
Yes! We would never review a company that was fraudulent or not legitimate. Reminder, due to the CROA, no one, including Credit Saint, can promise results. Researching other reviews show this company has delivered exceptional results.
Credit Saint touts being able to help remove the following:
- Late Payments
- Charge Offs
- Negative Items
- Repossessions
- Judgment
- Collections
- Debt Validation
- Tax Liens
- Bankruptcies
- Foreclosures
Obviously, if you have some of the larger negative issues like a tax lien, you may struggle to remove on your own. These types of issues are often when a consumer will enlist a company such as Credit Saint.
Credit Saint Review for 2022: Final Thoughts!
Ultimately, it will be your decision to either self credit repair or use a company. When I started my credit repair, I used a consulting company and it did not go well. This reason alone is why I did it myself, and started this website. The reality is not everyone can do credit repair on their own, as it can be time intensive. Credit Saint delivers as promised, and has a better user experience than the other large firms.
This article was last updated on May 10, 2022