What you don't know Can hurt you

That's why we aim to help you understand credit as well as work with you to clean your history. We believe better knowledge and understanding of the process will guard you against future issues relating to your credit file.

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Frequently Asked Questions

Part of our mission at Credit Saint is to educate as many people as we can about credit. When it comes to credit, what you don't know CAN hurt you, so learn as much as you can. If your questions are not answered on this page, call one of our specialists. They will be happy to handle any questions you might have.

Does Credit Saint offer a "Money Back" Guarantee?

Yes, We offer a no questions asked guarantee. After 90 days you will have the option to audit your file. If there are no results you will receive a full refund.

How much do your services cost?

Each of our programs costs are explained in detail on the Programs page.

How soon will I see results?

Credit Saint Guarantees removal of questionable items in the first 90 days, however many clients see results earlier than that.

How will I know how my restoration is progressing?

You will be given an on-line account page where you can watch as items are removed from your credit report. There is a Time Line and Progress Report as well as Credit Analysis component.

How much will credit repair raise my credit score?

This is a common question, the answer is that every case is different. Your credit score is based on positive and negative information on your report, so more positive information will help (building credit) and less damage will help (credit repair). When you sign up for our service, we will explain your situation to you and guide you on the path of building credit while we work on challenging the questionable negative information on your credit report.

Can I fix my credit myself?

Sure, Its your right and responsibility to monitor and protect your own credit. The government has a set of laws to help you called the Fair Credit Reporting Act. Credit Saint is here if you need help from professionals who work with the bureaus and these laws every day.

Do you just send lots of letters and hope the creditors don't respond in time?

No. That is not an effective strategy. The credit bureaus and creditors receive millions of disputes monthly. They are prepared to handle a heavy flow of challenges, so when we attack an item from your credit, we expect a response. All of our challenges are custom arguments.

When should I see my first changes?

Clients normally see their first changes around 45 days from the day their accounts are activated.

Can I apply for credit while in a Credit Saint Program?

Sure, your credit is your own, you just need to be aware that applying for new credit will add new inquiries to your credit report which will impact your credit score.

How can bad credit be legally repaired?

It is your right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

What does Credit Saint do to help with credit problems?

Credit Saint helps client attack their credit damage by challenging the inaccurate, untimely, misleading, biased, incomplete or unverifiable negative items from their credit reports.

How long does credit repair take?

It is impossible to predict the results for any client in advance. It will depend on 3 things, your level of credit damage, the program you select, and how efficient you are at faxing in the credit reports you receive in the mail. If you have less damage and use a more aggressive program, the process could be very fast, and if you have more severe damage and use a less aggressive program, it could take longer.

Do I need to pay my bills?

YES. It is your responsibility to protect your credit while we are working on your history. If you add new damage to your credit report, you will be working against us.

Is it possible for deleted items to reappear on my credit report?

It is possible for a negative listing that had been deleted to be verified by a creditor after the deletion is complete. When this happens the Fair Credit Reporting Act states that the credit bureaus need to inform you before re-reporting an items that had been deleted. It is a rare occurrence to have an item removed and replaced, but it is possible. If this happens in your case, Credit Saint will help you re-challenge the item if you have reason to do so.

Does paying my bills restore my credit?

Paying your bills every month will build your credit history. If they are revolving or installment accounts, paying your bills every month will build your credit history.