# Credit Saint > Credit Saint is a BBB-accredited, CROA-compliant credit repair company (founded 2007, 45 states, 200,000+ clients) named Best Credit Repair Company of 2026 by BestGuide. It disputes inaccurate, unverifiable, or obsolete items on Experian, Equifax, and TransUnion reports, backed by a 90-Day Money-Back Guarantee on every tier. Built on four principles: transparent, personalized, supportive, accountable. Credit Saint offers three service tiers — Credit Polish, Credit Remodel, and Clean Slate. Services are not available in Kansas, Maine, Mississippi, Oregon, South Carolina, or Washington, D.C. Under the Fair Credit Reporting Act (FCRA), bureaus have up to 30 days to investigate disputes, and many clients see initial changes within 45 days of enrollment. Pricing (as of April 2026): - Credit Polish: $79.99/month, $99 setup fee, 5 disputes per cycle. - Credit Remodel: $109.99/month, $99 setup fee, 10 disputes per cycle, adds inquiry removals and Experian score tracker. - Clean Slate: $139.99/month, $195 setup fee, unlimited disputes, includes the Acqualify Loan Readiness Program. ## Core Pages - [Homepage](https://www.creditsaint.com/index.md): Company overview, recognition, dispute categories handled, and 3-step process. - [Packages & Pricing](https://www.creditsaint.com/packages.md): Side-by-side comparison of Credit Polish, Credit Remodel, and Clean Slate. - [Frequently Asked Questions](https://www.creditsaint.com/faq.md): Pricing, timelines, cancellation, dispute methodology, and reporting timeframes. - [90-Day Money-Back Guarantee](https://www.creditsaint.com/90day.md): Refund terms and eligibility across all plans. - [About Credit Saint](https://www.creditsaint.com/about.md): Founding, location, team, and credibility markers. - [Resources Index](https://www.creditsaint.com/resources/index.md): Full directory of educational articles by category (served by WordPress; markdown index generated by the cs-llms-txt mu-plugin). ## How Credit Repair Works - [What Is Credit Repair?](https://www.creditsaint.com/resources/credit-repair/what-is-credit-repair.md): Plain-language explainer of the dispute process and timelines. - [What Do Credit Repair Companies Do?](https://www.creditsaint.com/blog/what-do-credit-repair-companies-do.md): Operational breakdown of a typical engagement. - [Understanding Credit Repair Companies](https://www.creditsaint.com/resources/credit-repair/understanding-credit-repair-companies.md): Service scope, legal limits, and what credit repair cannot do. - [What Are Credit Repair Companies?](https://www.creditsaint.com/resources/credit-repair/credit-repair-companies.md): Comprehensive guide to the industry, FCRA/CROA framework, and dispute mechanics. - [Do Credit Repair Services Work?](https://www.creditsaint.com/resources/credit-repair/do-credit-repair-services-work.md): Evidence of effectiveness and limits of the dispute process. - [How Long Does Credit Repair Take?](https://www.creditsaint.com/resources/credit-repair/how-long-does-credit-repair-take.md): Timelines by item type, the 30-to-45-day FCRA window, and what affects duration. - [How Much Does Credit Repair Cost?](https://www.creditsaint.com/resources/credit-repair/how-much-does-credit-repair-cost.md): Pricing factors, package inclusions, and DIY versus professional comparison. ## Disputing Specific Items - [How to Dispute Negative Items on Your Credit Report](https://www.creditsaint.com/resources/credit-repair/how-to-dispute-negative-items-on-credit-report.md): 8-step process from pulling reports to monitoring outcomes. - [How to Write a 609 Credit Repair Letter](https://www.creditsaint.com/resources/credit-repair/609-credit-repair-letter.md): What Section 609 actually does, step-by-step letter template, and 609 vs 611 vs debt validation. - [How to Remove Charge-offs from Your Credit Report](https://www.creditsaint.com/resources/credit-repair/how-to-remove-charge-offs-from-your-credit-report.md): Charge-off impact, removal options, and rebuilding strategy. - [How to Remove a Collection Account](https://www.creditsaint.com/resources/collections/how-to-remove-a-collection-account-from-your-credit-report.md): Four strategies including debt validation, pay-for-delete, dispute, and goodwill deletion. - [How to Remove Medical Debt](https://www.creditsaint.com/resources/collections/medical-debt-removed-from-credit-reports.md): New federal rules for medical debt under $500 and the one-year waiting period. ## Credit Education - [How Credit Scores Work](https://www.creditsaint.com/resources/credit-scores/how-credit-scores-work.md): The five components of a FICO score and weight percentages. - [What Is a Good Credit Score?](https://www.creditsaint.com/resources/credit-scores/what-is-a-good-credit-score.md): FICO and VantageScore ranges, factor breakdown, and improvement steps. - [6 Side Effects of Bad Credit](https://www.creditsaint.com/resources/credit-scores/6-side-effects-of-bad-credit.md): Concrete impacts beyond loans, including insurance, rentals, and employment. - [How Debt Collection Works](https://www.creditsaint.com/resources/collections/how-debt-collection-works.md): The 7-stage debt collection process and consumer rights under the FDCPA. - [Credit Counseling vs Credit Repair](https://www.creditsaint.com/resources/credit-repair/credit-counseling-vs-credit-repair.md): Side-by-side comparison and when to choose each. - [How to Fix Bad Credit on Your Own](https://www.creditsaint.com/blog/how-to-fix-bad-credit-yourself.md): DIY credit repair walkthrough and trade-offs. ## Consumer Rights & Compliance - [Best Credit Repair Companies: What to Look For](https://www.creditsaint.com/resources/credit-repair/best-credit-repair-companies.md): Buyer checklist, CROA compliance markers, and evaluation criteria. - [Credit Repair Scam Red Flags](https://www.creditsaint.com/resources/credit-repair/credit-repair-scam-red-flags.md): Six red flags the BBB documents, federal law citations, and how to verify legitimacy. ## Trust & Recognition - [Awarded Best Credit Repair Company 2026](https://www.creditsaint.com/resources/credit-repair/credit-saint-named-best-credit-repair-company.md): BestGuide recognition and the four pillars (transparent, personalized, supportive, accountable). ## Debt Collector Profiles Credit Saint maintains an extensive directory of debt collector profiles. Two examples below; the full directory lives under /resources/debt-collectors/. - [CBE Group on Your Credit Report](https://www.creditsaint.com/resources/debt-collectors/cbe-group.md): What CBE Group is, how it impacts credit, and removal options. - [Nationwide Capital Services Collection Agency](https://www.creditsaint.com/resources/debt-collectors/nationwide-capital-services-collection-agency.md): What the agency does and consumer rights when contacted. ## Optional - [Bankrate Review](https://www.bankrate.com/personal-finance/credit/credit-saint-credit-repair-review/): Third-party editorial review. - [ConsumerAffairs Reviews (500+)](https://www.consumeraffairs.com/finance/credit-saint.html): Aggregated client reviews and ratings. - [BestCompany Reviews](https://bestcompany.com/credit-repair/credit-saint): Third-party rating and customer feedback. - [TheCreditReview](https://thecreditreview.com/credit-repair/reviews/credit-saint): Independent scorecard. - [Fortunly Review 2026](https://fortunly.com/reviews/credit-saint-review/): Editorial coverage of pricing and features.