Talk with Nico for a free credit review. You tell us what looks wrong and we challenge with the bureaus.
Soft check. Results vary. Cancel anytime.
“Most
affordable”
“Simplifies
the process”
“Went above and beyond…”
“Professional support”
“Did what they advertised…”
Nothing is billed for 6 days. Your disputes typically go out on day 6.
Example account for illustration. Results vary.
“DEFINITELY WORTH EVERY PENNY! After working with Credit Saint for only a few months, I was approved for a card that I had…”
“…They gave me back my life and are helping me and my family to erase all the wrongs done to us…Credit Saints will help you WIPE THE SLATE clean.”
“Amazing success so far in the removal of many chargeoff and late payments in just 2 months…”
“…They followed up with the credit bureaus until almost all my negative items were removed…I certainly recommend their service to anyone.”
“The start up process was very simple and straightforward. I’m ready to get started and my credit back to where it was…”
“This service really helped me out! I was trying to close a home in a very short timeframe and they went right to work handling all disputes for me…”
“Credit Saint is the absolute best - very matter of fact, and most importantly informative. They are very hands-on in terms of answering every question…”
Reviews reflect individual experiences. Results vary and are not typical or guaranteed. You can dispute any item, but accurate, verified items stay on your report.
A report that is mostly sound with a few entries you believe are wrong.
Late payments, collections and inquiries on more than one of your reports.
Charge-offs, repossessions and bankruptcy. No cap on challenges.
“Our top pick”
“Efficient dispute-handling”
“Best for money-back guarantee”
Credit Saint is a New Jersey-based company that’s been in business since 2007.
Each program's cost is explained in detail on the Packages page. Only have a few items? Credit Polish, our lightest plan, is built for that.
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 Collection Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.
You will be given an online account page where you can watch progress. There is a Timeline and Progress Report, as well as a Credit Analysis component.
Sure. It's 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. What you hand off is the process: organized letters, the right order to send them, and follow-ups until the bureaus answer. It isn't secret access. How much time have you already spent trying?
Not on its own. A paid collection is still a collection, and it can stay on your report for up to 7 years from when the account first went late. Only paid medical debt comes off automatically. If anything about it is wrong, like the balance, dates or status, you can challenge it.
Accurate items usually stay until they age off. But many reports have items that are incomplete, out of date or can't be verified. Your free consultation shows which ones.
Some companies overpromise. We follow the Credit Repair Organizations Act (CROA), give you written disclosures, and nothing is billed for 6 days. Do your homework: check our reviews, plans and guarantee terms.
No card. Soft check, so your credit score isn’t affected.