Credit repair services

Credit repair is the process of challenging negative items on your credit reports that are inaccurate, incomplete, outdated or can't be verified. When a credit bureau can't confirm an item within its investigation window, usually 30 days, the Fair Credit Reporting Act (FCRA) requires it to correct or delete that item. A credit repair company like Credit Saint does that work for you: we find the problems, write and send the challenges, follow up with creditors, and track every response.

What a credit repair company can and can't do

We can challenge any item you believe is wrong, from a collection that isn't yours to a late payment reported in the wrong month or a debt listed twice. We can also contact creditors directly, request validation of collection debts under the Fair Debt Collection Practices Act (FDCPA), and send goodwill requests for isolated late payments.

No one can legally remove accurate, timely and verifiable negative information, and no credit repair company can promise a specific score. If a company guarantees a number, that's a red flag. You also have the right to dispute errors with the bureaus yourself, for free. What you pay us for is the expertise, the time and the persistence.

How long credit repair takes

Most clients see their first bureau responses within 30 to 45 days of their first challenges. A typical program runs 3 to 6 months, and files with many items can take longer. Each dispute cycle is about 30 to 45 days because that's how long the bureaus have to investigate.

How much credit repair costs

Credit Saint plans cost $79.99, $109.99 or $139.99 a month, plus a one-time initial work fee of $99 to $195. Under the Credit Repair Organizations Act (CROA), no credit repair company can charge you before it performs the service. See how much credit repair costs for a full breakdown across the industry.

Is credit repair worth it?

It's worth it when your reports contain errors or items that can't be verified, and when you don't have the time to manage disputes with three bureaus and several creditors yourself. It's not worth it if every item on your report is accurate and recent. In that case, time and on-time payments are what move your score. Our specialists will tell you which situation you're in during a free consultation.

Your rights under federal law

• You can cancel any credit repair contract within 3 business days without penalty.
• A credit repair company can't charge you until services are performed.
• You must get a written contract that spells out the services, cost and timeline.
• You can dispute inaccurate information with the credit bureaus on your own at no cost.

Read more about your rights under CROA and the FCRA and how to tell a legitimate credit repair company from a scam.