Welcome to Credit Saint credit repair service reviews – providing a 90-day guarantee of refund on consumer disputes – an unbiased review warranting you to financial freedom. The best choice of fixing credit is to receive 90 days of guarantee. Lower your risk of falling for frauds and scams. Get the best verdict in choosing Credit Saint firm here.
Credit Saint’s consumer support & services.
Consumer Support: Promising specialist – offers a full 90-day money-backed guarantee for customers who request to remove negative items on their credit reports. There are 3 tiers of service under the list of credit repair. Price varies among the three tiers; basic to premium.
If you need a basic package to fix your credit, the lowest tier is a good option. The lowest plan does not include disputes such as bankruptcies or judgments. If you want a higher tier of service to remove negative items (such as bankruptcies and judgments), then Credit Saint Avalanche service is for you. Pay for the best fit to raise your credit score.
The credit repair company has basic features covered in the website. Credit Saint doesn’t provide explanations to credit laws & credit repair strategies, however. Other companies offering the best credit repair services do share on what damages your credit as well as ways to fix your credit. Be sure on what you needed before signing up for such services.
Note: Consumer support is available on normal operating hours at CreditSaint.com.
Credit Saint’s fees & pricing plans.
Fee Structure: Variable pricing – offers insights to three tiers of plan being one of the most affordable services for clients. Tight budget consumers can opt for lowest tier while aggressive people can go for the highest tier plan, depending on the types of service required.
Credit Saint is ranked one of the most affordable services among its peers. As some of the established agencies only offer one plan, the options available at Credit Saint for clients is a rare sight. You get to determine which package best fit your requirements before paying for it.
For the lowest tier, it only covers certain dispute, in which excludes bankruptcies or judgments. The higher level does cover the aspects of bankruptcy and judgment. Price-sensitive clients may not opt for Clean Slate plan due to an initial high setup fee, however.
All pricing plans exclude monthly credit monitoring or identity theft protection. The company does not offer id theft service or fraud alert. However, all types of disputes under Credit Saint do not include a fee to pull your credit reports. No charge on pulling reports.
Note: Most of the best credit repair companies charge a fee for pulling your credit report.
Credit Saint’s list of credit repair.
Credit Repair Service: List of reviews – offers an online portal for customers to check on the progress of disputes and three levels of service. Polish, Remodel and Avalanche services.
What sets Credit Saint apart from its competitors is on not having a dedicated personal case advisor to help you with credit problems. The firm enables four people to address your inquiries or concerns during the phase of credit repair. An agent might not be able to assist you after-works but this company promises to help you even after office hours.
The most basic plan is named Polish. It offers basic credit fix services and disputes up to 5 items at a time. Remodel is the mid plan. It offers to dispute up to 10 items at a time. Clean Slate is the highest tier in which offers unlimited disputes for you to file.
Generally, most credit repair companies offer 5 to 7 disputes on negative items per month. Remodel plan alone covers 10 negative item disputes. The Fair Credit Reporting Act (FCRA) grants creditors & credit bureaus to reject frivolous or irrelevant disputes, regardless of number of disputes. Clean Slate service is the way to go for those who have many negative items but worry on the limitations of credit repair services. Fcra law still applies.
Note: “Price is what you pay, value is what you get” – Warren Buffett – wisdom of age.
Verdict of Credit Saint credit repair company.
Credit Saint provides one of the best credit repair service – offers three tiers to clients in need of certain types of service or number of disputes. Unlimited number of disputes seem to be a popular choice for consumers who are in search of complete credit report cleanup.
Verdict: Credit Saint has an attractive proposal on 3 tiers of credit repair service that sets apart from its rivals. To qualify for letters of dispute, you’ve to sign up for the Clean Slate plan else risk paying for more using third-party services. The company doesn’t charge you a fee for retrieval of your credit report.
However, the agency lacks credit monitoring and identity theft protection. Credit protection remains an important need for consumers looking into the list of services offered by credit repair companies. Without fraud protection or alerts, likely you need to request for a freeze on credit report across all of the credit bureaus to stop inquiries from coming in. Suspicious transactions remained prevalent in today’s cyber digital security threats.
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Quote of the Day: “Pick wisely, Flow correctly – KIG Hall [2013-2018]”
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This article was originally published on April 11, 2014. It has since been updated.