How it works
How credit repair works at Credit Saint
- 1
Setting up
Create your account in our secure online portal. We get your credit reports from Equifax, Experian and TransUnion without affecting your credit score, and you send proof of identity so the bureaus will act on disputes made on your behalf.
- No impact on your credit score
- Secure online client portal
- 2
Reviewing
Your credit specialist goes through every account and every negative item on all 3 reports, and talks it through with you. Together you flag items that look inaccurate, incomplete, outdated or unverifiable.
- Line-by-line review of all 3 reports
- Score analysis
- A dispute plan built around your goals
- 3
Challenging and tracking
We send custom challenges to the bureaus and intervention letters to your creditors, request debt validation from collectors, and track every response. The bureaus generally have 30 days to investigate, and you see each update in your portal.
- Disputes with all 3 bureaus
- Creditor and collector letters
- Progress reports and alerts
- 4
Optimizing
While disputes run, we help you make the most of your positive history: utilization targets, which accounts to keep open, and how to time new applications so you don't undo progress.
- Personalized guidance
- Credit education
- Loan readiness on Clean Slate
Every update in one place
Your online account shows a timeline, progress reports and your credit analysis, so you always know which challenges are out, what came back and what's next.
Want the full background on the law behind the process? Read how credit repair works and your credit report rights.
Dispute tracker
Example client dashboard, round 2 of 4
- Deleted
Collection account
Experian
- Updated
Late payment: credit card
Equifax
- In review
Hard inquiry: auto loan
TransUnion
- Challenge sent
Charge-off: retail card
All 3
Process questions
Do I need to do anything after I sign up?
Send your proof of identity within 5 days, keep paying your bills on time, and forward any letters you get from the bureaus or collectors. Your specialist handles the disputes.
How long until I see results?
Most clients see first bureau responses within 30 to 45 days, since the bureaus generally have 30 days to investigate each dispute. Many programs run 3 to 6 months.
What items do you challenge?
Collections, late payments, charge-offs, repossessions, foreclosures, bankruptcies, judgments, liens and unauthorized hard inquiries, when they are inaccurate, incomplete or can't be verified.
Can I do this myself?
Yes. You can dispute errors with the bureaus yourself at no cost. Our free guides show you how. Clients hire us for the expertise, time and follow-through across 3 bureaus and multiple creditors.
Start your credit repair today
Plans from $79.99 a month. Every plan includes the 90-day money-back guarantee.