Credit Saint Review
Real Credit Repair Results, W/no Monlthly ongoing fees
Credit Saint is a credit restoration company that can help you repair your credit. It has an A+ rating, a refund policy, and they present your dispute with as much detail as possible for the best possible chance of success. In addition to disputing your inaccurate information, they will help you understand your credit score.
What Makes Credit Saint Unique?
Credit Saint does more than dispute inaccurate information on your credit report. They offer a number of different solutions for improving your credit, and they educate you so that you will continue to improve your score once you leave them. In addition, they do not accept every customer who wants their help.
They offer a free initial consultation, at which time they decide whether the items you want to dispute are disputable. This would include the following types of items:
- Duplicate accounts
- Inaccurate accounts
- Accounts that don’t belong to you
- Incorrect inquiries
- Inaccurate address or name
Credit Saint is familiar with the laws and regulations that govern your credit, as determined by the Fair Credit Reporting Act. They know that this law requires that creditors submit accurate information in a timely fashion that is verifiable. If information on your credit report doesn’t match that description, you have the right to dispute it.
When you dispute an item on your credit report, the credit bureau will have to either verify it, correct it, or remove it from your credit report.
Service Packages Offered by Credit Saint
Credit Saint offers three different service packages. Each one offers a different degree of credit repair services and representation.
The first tier is the Credit Polish Plan. When you choose this plan, you will pay a $99 first-work fee, followed by a monthly fee of $79. The company says it comes with a medium level of aggressiveness for cleaning up your credit. You will have access to Credit Saint Online, and the company will dispute any false or outdated items on your credit report, including the following:
- Late payments
- Identity theft
- Charge offs
The second tier is called the Credit Remodel, and this plan gives you a high degree of aggressiveness for $99.99 each month, as well as a $99 first-work fee. You will have everything that comes with the Credit Polish Plan, as well as these additional services:
- Removal of outdated items
- Negative related to past bankruptcy and repossessions
- Escalated information requests to all three bureaus
The third tier is called Clean Slate, and it offers the most aggressive plan. You will receive all of the above services, as well as:
- False judgments
- Unlimited disputes
The third tier can make the process move more quickly and help your score to rise sooner. Credit Saint offers several different options, so you will be able to find the one that works best for you.
Credit Saint backs up their offerings with a 90-day money-back guarantee. They tell you that you should see the first signs of improvement in the first 45 days, and if you haven’t had any improvement within the first 90 days of service, you can cancel your service and receive your money back without any questions asked.
This is an incredible offering that should give consumers a great deal of confidence. Some credit repair companies will drag out the process to receive as many monthly payments as possible, but not Credit Saint. They stand behind their offerings.
If you want to qualify for the money-back guarantee, you need to be an active part of one of their programs for 90 days. In addition, you cannot have any new derogatory marks added to your report after you join with them. You must make all of your payments to Credit Saint on time, as missing a payment will lose the guarantee.
You have very little to lose with this kind of a guarantee. If they can’t remove any of the negative marks in the first 90 days, you will receive a full refund.
When Do You Need Credit Repair?
The time to call for credit repair is when you find inaccurate information on your credit report. You have the right to dispute anything that should not legitimately be there. First of all, you might find duplicate accounts.
For example, if you had a charged off credit card, they may have sold your debt to a collections company. It is not uncommon for these companies to sell the debt to another company after a period of time. The law says that this debt can only appear on your credit report once, so you need to check through and make sure that it isn’t being duplicated.
Another common mistake is having an incorrect balance. This is important because 30% of your score is your credit utilization ratio. Credit bureaus want to see you using less than 30% of your available credit, and if your balances are inaccurate, it may show that you are using more than you are.
In addition, you might find that someone else’s account is on your credit report. It may be a family member or another person with a similar name. You should have this debt disputed right away, as it isn’t yours.
Anything you find on your report that shouldn’t be there should be disputed as soon as possible. You can do it yourself, or you can call Credit Saint and take advantage of their services, and you can count on the money-back guarantee.
They Will Help You Understand Your Credit Report
Credit Saint wants to make sure that you understand your credit report so that you can work on improving your score. The first section of your credit report is your personal information. This includes your name, any aliases you may have used, your address, your phone number, and your employment. This information should all be correct. You should challenge anything that is not, even if it is as simple as a misspelling.
The next section contains legal financial information about your account, including judgments, liens, wage garnishments, and bankruptcies. Everything in this section should be valid and correct as well.
In the creditor section, you will see all of your credit cards, mortgages, auto loans, and student loans. You will also see any lines of credit. This section will show your original loan amount or your credit limit, how much you owe, how much you have paid, and your payment history. There is a lot of information in this section, so you need to check it over carefully.
Your balances should be accurate, and you should only have late payments if you were 30 days late on an account. In addition, your loan amounts and balances should be correct.
You will also find a section with your collection accounts. If you have any, you might consider negotiating a deal with the collection company. You should make sure that any deal you make is in writing before you pay them any money.
Your credit inquiries is another section of the report, and these inquiries stay on the report for two years. You should be careful not to apply for too much credit at the same time, or it will hurt your score.
The company will explain this to you and help you understand what to look for and how to stay on top of your credit so that your score continues to improve.
How Is Your Credit Score Determined?
If you want to improve your credit score, it is helpful to understand how your credit score was determined. In general, it draws information from different parts of your credit report. The credit bureau looks at the following five categories:
- Your payment history (35% of score)
- Your credit usage (30% of score)
- The length of your credit history (15% of your score)
- The type of credit you have (10% of your score)
- Credit inquiries (10% of your score)
You can see that your payment history and your credit usage make up 65% of your credit score. You need to make sure that you pay your bills on time, and you must pay them on time to keep your money-back guarantee active with Credit Saint.
In addition, you need to use less than 30% of your available credit. You should do what you can to pay your balances down, and if that isn’t possible, you should try to open a new account. You can open a credit card or a line of credit to lower your overall credit use.
If you are unable to be approved for a credit card, you can open a secured credit card. You will deposit an amount of money with the issuing bank, and this will be your credit limit. You will make payments each month just as you would with a credit card, and it will help to build your credit.
No matter what you do, make sure that you pay your bills on time each month. If you have had a late payment, after about six months, it will no longer impact you as much. Making these payments on time will be very helpful to your credit score.
How Long Do Legitimate Derogatory Marks Remain on Your Credit Report?
Most derogatory marks stay on your credit report for seven years. This includes the following types of credit:
- Late payments
- Short sales
- Charge offs
- Tax liens (from the date of the payment)
- Chapter 13 bankruptcy
In addition, bankruptcies other than Chapter 13 will remain on our report for 10 years from the date of filing, and collections accounts will remain for seven years and an additional 180 days. If you have these kinds of items on your credit report and they are valid, you might consider adding a note to your credit file. If these items are the result of a major life event, such as an illness or a divorce, it is helpful to note it in the file.
What to Expect From a Credit Repair Company
You should expect a credit repair company to have a good reputation, and Credit Saint does, with its A+ rating from the Better Business Bureau. You should also expect a credit repair company to offer a free initial consultation. Credit Saint offers this, and they will not take you on as a client if they cannot help you.
You should also expect a credit repair company to only charge you if they are able to help you successfully dispute incorrect information, and Credit Saint’s money-back guarantee ensures that this is the case.
A credit repair company should never guarantee that they will remove a specific item. They should never try to remove legitimate items, and they should never ask you to lie about your credit (or anything else). They should let you know that you can dispute inaccurate information on your own, even though they are ready and able to help you.
A credit repair company is different from a credit consulting company or a debt reduction company, and they do not offer those kinds of solutions. If you are interested in a company that can help you come up with solutions for paying off your debt, you will need to use a different company.
What Is a Debt Reduction Company?
When you call a debt reduction company, they will offer solutions to cleaning up your debt and paying it off. Some of these companies negotiate settlements on your behalf where you pay less than the full balance, and others will have you pay regular payments to them as they pay down your debt. This is a way of simplifying the payments so that you can pay a certain amount each month.
Credit repair services do not include this kind of plan, and you will need to work it out separately. Credit Saint tells you this on their website, so you can have confidence that Credit Saint is a valid credit repair company that can help you dispute inaccurate information on your credit report.
How Can I Have an Excellent Credit Score?
The most important step toward gaining and keeping an excellent credit score is to watch your spending. It is important to understand that credit isn’t a part of your income, and it needs to be used for large purchases. Getting a mortgage makes sense, and many people couldn’t buy a home without one. In addition, auto loans are often low interest, and they look good on your report.
People get into trouble with credit cards because it is so easy to spend money that you don’t have. It is important to teach yourself to use credit cards with the intention of paying off as much as possible when the bill comes. If you have an emergency, that is okay, and it won’t get you into trouble. The problem occurs when you have a lot of different cards, and you let your spending get out of control.
If you want to have excellent credit, you should always make your payments on time. Set up reminders or enroll in autopay to make sure that you are never late. In addition, make sure that you have a good mix of credit, and keep your credit usage under 30%. Pay down your balances as much as possible, and only use your credit when it is absolutely necessary.
Credit Saint has a lot to offer if you find inaccuracies on your credit report. They offer different tiers of services so that you can choose the one that is best for your needs. They are upfront on their website and let you know that you can dispute invalid information on your own, but they are ready and willing to help if you want to let the professionals do it for you.
If you are looking for a credit repair company that has experience and knows how to work with credit bureaus, this is a great company to use. They have been in business for over 15 years, and they will have a free initial consultation with you before you get started. This will let you know what they will be able to do for you.
Valid items must remain on your credit report for the allotted time, but Credit Saint can help you keep track of that and make sure that these items come off when the time is right. You should keep in mind that no credit repair company can remove a valid item, and if one tells you they can, you should stay away from them. It is illegal, and they would have to ask you to lie, which can get you into trouble.
In addition to all of the positive aspects of this company, Credit Saint offers you a 90-day money-back guarantee. You need to be sure to keep your credit score where it is, so make your payments on time and do not try to apply for new credit.
However, this guarantee will ensure that you get what you are paying for. You can get your money back if they are unable to successfully dispute anything on your credit report.
If you are in need of credit repair services, give Credit Saint a call.
Ready to take your Credit to the
Ready to take your Credit to the