Blog

Our experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

Credit reporting errors can damage your FICO score and make it harder to qualify for a loan. If inaccurate information is hurting your financial profile, Credit Saint can help. Operating nationwide, Credit Saint disputes credit reporting errors and engages with creditors on behalf of its customers to make sure inaccurate information is removed.

The company offers a conditional money-back guarantee and competitive pricing, earning it a largely positive reputation and putting it in competition with the best credit repair services. Read on to learn more and find out whether Credit Saint suits your needs.

Credit Saint Overview

Credit Saint is a credit repair company based in New Jersey. Operating since 2004, the company claims to have helped over 200,000 clients worldwide, and boasts of offering the most comprehensive service in the industry. While Credit Saint has an office in Saddle Brook, New Jersey, it offers service nationwide.

Credit Saint has three different packages with monthly fees ranging from $79.99 to $119.99 and one-time setup fees of $99 or $195. You can pause or cancel your membership at any time with no additional charge, and Credit Saint offers a conditional money back guarantee after the first 90 days. 

Feedback from Credit Saint customers is generally positive, though there are several persistent complaints. The company has ratings of 3.6 and 4.1 stars out of five on its Trustpilot and Better Business Bureau profiles, respectively, with just over 100 reviews posted on each. Many of those reviews are four or five stars, but over 20% of reviews on both platforms are just one star.

The largest volume of customer feedback is on Google, where Credit Saint averages 4.8 stars out of five based on over 9,000 reviews. While those reviews are attached to the listing for Credit Saint’s New Jersey office, they are submitted by users nationwide. The most common complaints against Credit Saint are a lack of results (which is a frequent complaint against all credit repair companies) and difficulty exercising the money back guarantee.

Unlike some of its competitors who have been sued by federal regulators for illegal billing practices and other infractions, Credit Saint has managed to stay out of legal trouble.

Credit Saint Plans

Credit Saint offers three service packages at different price points. The most basic (and least expensive) is the Credit Polish Package, which includes challenges to all three credit bureaus and a credit score tracker. The Credit Polish Package has a $79.99 monthly fee, as well as a one-time $99 setup fee, also called a first work fee.

The intermediate Credit Polish Package offers the same bureau challenges and score tracker that you get with the Credit Polish package, and adds credit score analysis. The Credit Remodel package has a $99.99 monthly fee, as well as the same $99 setup fee.

The top-tier Clean Slate Package adds creditor intervention letters and inquiry targeting to top of the benefits you get from the Credit Remodel package. Credit Saint recommends this package for customers with public records like repossessions, bankruptcies and foreclosures. The Clean Slate package has a $119.99 monthly fee, as well as a higher $195 initial working fee. 

Credit Saint Features

Services offered by Credit Saint have a lot in common with what you’ll get from other credit repair companies. Here are some of the highlights:

• Challenges to the three credit bureaus — Credit Saint can help you dispute inaccuracies like late payments, duplicate accounts, or typos that appear on your credit report. Credit Saint uses handwritten, customized disputes instead of generic online templates. While you can challenge this information yourself, consider enlisting the help of a credit repair agency if you’re not confident you can deal with it on your own.
• Score Tracker — At the end of each 45-day dispute cycle, Credit Saint will give you a snapshot of your credit score from all three major credit bureaus. Tracking your score gives you a sense of whether your credit repair efforts are bearing fruit, but you can check your credit score for free with or without a credit repair service.
• Score Analysis — In addition to your credit score, Credit Saint provides a breakdown of your credit utilization, payment history, and other factors that impact your credit. This more detailed information can similarly help you track progress and identify aspects of your credit report with potential for improvement. However, Credit Saint provides the information without suggesting what to do with it, and like your credit score, you can get this information elsewhere for free.
• Credit intervention letters — When a creditor reaffirms information you dispute with the credit bureau, Credit Saint can escalate the situation and engage with the creditor directly. Credit Saint may also intervene on your behalf to limit the impact of accurate derogatory marks on your credit report (by negotiating repayment, for example).
• Inquiry Targeting — Credit Saint can help you remove false or fraudulent credit inquiries from your credit report. However, legitimate inquiries can not be removed.
• Daily member support — Credit Saint offers customer support by phone (877-637-2673) seven days a week. Support hours are Monday through Friday 9:00 am to 10:00 pm EST, Saturday 10:00 am to 8:00 pm, and Sunday 12:00 pm to 8:00 pm.
• Credit education — The Credit Saint website offers a blog with a handful of articles about credit repair and other personal finance topics. This content is available at no charge whether or not you enroll. However, the blog appears to be defunct, as no new content has been published in over two years.

While many credit repair companies package identity theft protection with their other services, Credit Saint does not. However, you can get quality that services elsewhere inexpensively or at no cost, so the omission from Credit Saint shouldn’t be a major factor when deciding whether to enroll.

How Much Does Credit Saint Cost?

Credit Saint offers three credit repair packages with monthly fees of $79.99, $99.99 and $119.99. Each package also incurs an initial working fee of either $99 for the first two packages or $195 for the third package. Credit Saint’s monthly fees are close to average for the credit repair industry, with some companies charging more and some charging less for comparable service. The initial working fees are on the high end; you can add a single family member living in your household without paying a second initial working fee, but you’ll both be on the hook for monthly fees.

Credit Saint offers a 90-day money back guarantee, but it comes with several key stipulations. Foremost among them, you’re only eligible for a refund after participating in the program for the full 90 days; canceling or failing to pay before that mark voids the guarantee. Additionally, the guarantee only applies if you don’t see any questionable items deleted from your credit in the first 90 days, and can’t be exercised beyond the 120-day mark. Other terms apply, so don’t rely on the guarantee without reading them.

Aside from the 90-day guarantee, you can cancel your membership immediately at any time with no penalty or additional charge.

How to Sign Up For Credit Saint

Before you enlist the help of a credit repair service, get copies of your credit report from each of the three major credit bureaus. While these reports are normally available at no cost once per year, you can request them weekly through the end of 2023.

With your credit reports in hand, you can check for inaccuracies that you want to dispute, such as misreported late payments, duplicate accounts, typos and more. You can address errors directly with the credit bureaus or pass them along to a credit repair service if you can’t (or don’t want to) do it yourself. However, keep in mind that you can only challenge information that’s inaccurate, unfair or unverified. Accurate data can’t be wiped out just because it hurts your credit score and you want it gone.

Should you choose to proceed with Credit Saint, you can sign up by clicking the “Get Started” link on their website. You’ll then need to provide personal and billing information, and agree to the terms of service. Credit Saint clearly indicates during the signup process when your setup fee and first recurring fee will be charged.

How Credit Saint Compares to Competitors

In many respects, Credit Saint is nearly on par with its competitors, including those ranked among our top credit repair companies.

Credit Saint’s monthly fees are comparable to other credit repair companies, but its initial working fees are relatively high, exceeding the monthly fee for two of Credit Saint’s three packages. That said, they aren’t Unless you’re signing up with a second family member in your home (for whom the initial working fee is waived), that additional cost may justify looking elsewhere.

The company’s positive reviews on Google indicate a high rate of customer satisfaction. However, the frequency of complaints about the money back guarantee combined with its restrictive terms are concerning. If that guarantee encourages you to sign up, make sure you read the fine print beforehand.

Credit Saint Credit Repair FAQ

• Germany pledged Ukraine almost $3 billion worth of military aid in May.
• However, many of the supplies are yet to arrive, German newspaper Die Welt reported.
• Only 10 of the 110 promised Leopard 1 tanks have been delivered so far, the report says.

Germany has delivered only around 10% of the Leopard 1 tanks that it promised to Ukraine as part of a package it announced in May, German newspaper Die Welt reported.

The country had agreed to a 2.7 billion-euro, which is around $3 billion, military aid package with Ukraine during Ukrainian President Volodymyr Zelenskyy’s visit earlier this year.

Die Welt tracked the progress of the deliveries and kept an account of the promised and delivered equipment, which is published online by the German government.

The outlet found that in the last two months Berlin has sent Kyiv just 10 of 110 promised Leopard 1 tanks and 12 of 18 Gepard anti-aircraft tanks.

Ukraine is also yet to receive any of the four promised IRIS-T missile defense systems or the 20 Marder armored vehicles, while roughly just 850 of the 26,350 155 mm artillery shells promised have been delivered.

The package also included several hundred drones, air surveillance radars, tankers, ambulances, and heavy-duty articulated lorries.

Die Welt noted that it was possible that the weapons commitment may be “withdrawn,” citing the example of 5,032 anti-tank handguns that had been listed as being prepared to be sent to Ukraine since the early months of the war, which have now disappeared off the site without any explanation.

It is not clear why Germany is dragging its feet over sending the weapons, although it was also slow to provide Ukraine with military aid at the beginning of the war. Despite that, it has since become one of Kyiv’s biggest arms suppliers. 

After months of pressure, Germany finally agreed to send 88 Leopard 1 tanks and around 80 Leopard 2 tanks to Ukraine earlier this year.

• Conservative organizations have released a proposed “battle plan” for the next Republican president.
• The plan calls for the president to end the Inflation Reduction Act, which has primarily benefited red states. 
• The 2022 bill funnels hundreds of billions to states home to major clean energy projects, like Oklahoma and Texas.

Leading conservative organizations are banding together to push a new project called Project 2025, a game plan for the next Republican president, and it includes cutting a Biden-era law that funnels hundreds of billions of dollars to red states.

The Inflation Reduction Act, which Congress passed in 2022 and which in part sets aside $370 billion for investment in clean energy, was hailed at the time as the most significant step Congress had taken to address the climate crisis.

With states like Oklahoma leading the country in wind power and Texas landing in the top three states for clean energy job growth, red states are the biggest beneficiaries of the bill. Yet the bill faced significant opposition from congressional Republicans during the legislative process.

Project 2025 and the elimination of the Inflation Reduction Act have been championed by several conservative organizations, all led by the Heritage Foundation, a major conservative think tank. Paul Dans, a director with the Heritage Foundation, called Project 2025 a “battle plan” for the next Republican president, The New York Times reported.

The Heritage Foundation has delivered the 920-page document to every Republican running for president, Dans told the Times.

However, some conservatives who work closely with state lawmakers on energy policy said any plan to cut the Inflation Reduction Act would likely go against constituents’ wishes.

“Obviously as conservatives, we’re concerned about fiscal responsibility, but if you look at what Republican voters think, a lot of Republicans in red states show strong support for provisions of the I.R.A.,” Sarah Hunt, president of the Joseph Rainey Center for Public Policy, an organization that works with Republican lawmakers on state energy needs, told the Times.

The Heritage Foundation did not respond to a request for comment ahead of publication.

• South Korean scientists claim to have made a superconductor, LK-99, that works at room temperature.
• Experts are skeptical, but if such a material exists, it could boost energy production and storage. 
• It could also improve chips used in cars and consumer electronics like cell phones. 

Electricity is inefficient compared to what it could be. But electricity that travels along a superconductor barely loses energy along the way. 

Present-day superconductors, however, function under costly special environments — what if we could change that? 

That’s the premise behind LK-99, a possible superconductor material that scientists in South Korea say they have devised, which has been dominating headlines and social media posts in the past week or so. 

The LK-99 material is a compound comprised of lead, oxygen, and phosphorous, the scientists describe in two preprint papers that have yet to be peer-reviewed. They discuss how they doped the material with copper, which, they speculate, may have distorted the chain of lead atoms, creating channels along which the superconductivity occurs, per Science. 

However, many experts are skeptical that the material actually does what the scientists claim. Therefore, whether LK-99 is actually a breakthrough remains to be seen until others can replicate its results. 

To that end, some experts are trying, but this holy grail has eluded scientists for many years, so the prospects are still a long way off, experts told Insider.

Why room-temperature superconductors are so elusive

“The holy grail would be to get something that was superconducting at room temperature,” said Leonard Kahn, chair of the Department of Physics at the University of Rhode Island’s College.  

The problem is that scientists are playing a guessing game for now, swapping out materials to try and raise the critical temperature.

Elements like tantalum and mercury all have superconducting capabilities, for example, but they have to be chilled to about -450 degrees Fahrenheit. Some compounds become superconductive at higher temperatures and can be cooled with liquid nitrogen at around -320 degrees Fahrenheit. 

Yet other materials become superconducting at warmer temperatures, “but you need to have them under such high pressures that they’re impractical for any applications,” Kahn said.

LK-99 isn’t the first claim of its kind. There have been similar attempts in the past that don’t quite seem to have panned out. One piece on the subject, published in the science journal Nature in 2020, was later retracted.  

Ultimately, achieving a room-temperature superconductor would “require breakthroughs in understanding the fundamental principles behind superconductivity, inventing new materials, or discovering novel ways of increasing the critical temperature,” Edwin Fohtung, associate professor in materials science and engineering at Rensselaer Polytechnic Institute, told Insider in an email. 

Where and how superconductors are used today

“It’s not that we do not have superconductors, but we can only make that work under extremely high pressures, and at very low temperatures,” said Elif Akçalı, an associate professor at the University of Florida who teaches industrial and systems engineering. 

“When that’s the case, you’re putting in so much energy to make that work,” Akçalı said. “For me, from a business perspective, it’s losing its value.” 

Superconductors expel magnetic fields and are diamagnetic, a phenomenon known as the Meissner effect. “If you put a magnet near it, they oppose the magnet, and so magnets actually float on top of them,” Kahn said.

Currently, MRI machines, quantum computers, and magnetic levitation trains all use superconductivity. Cooling an MRI magnet requires about 2,000 liters of liquid helium, which is both expensive and in short supply.

But if researchers could find a room-temperature superconductor, it would be huge for energy, transportation, and many other industries. Take power stations, for example: 

 “If you had superconducting wires instead of the regular wires that they’re using, it would be the equivalent of having 5% to 10% more power stations, and you wouldn’t be putting any more carbon into the atmosphere,” Kahn said. “The opportunities for that would be tremendous, but we’re not there yet.”

Any revolutionary use of superconductors will still take time

We’re a while away from making a radical shift in superconductor use, experts said. At minimum, multiple labs will first need to repeat and verify the experiment to make sure LK-99, or something like it, really works. 

And even a workable material will mean companies will have to change how they make things.  

Take the case of chips, for instance. There’s still a question as to whether this type of superconductor material can be successfully incorporated into the chip manufacturing process in a way that is economically viable and not too burdensome, said Siddharth Joshi, an assistant professor of computer science and engineering at the University of Notre Dame. 

“Currently, we don’t design chips assuming you can have superconductors on there,” Joshi said. 

“Using superconductors in the design of the chips could lead to interesting designs, but the technology would first need to be mature enough to use it in chips,” he said. 

But again, if it does work, that could mean we can produce chips that require less energy to function, which means they can do more and take up less space. Your phones and laptops, for one, could get even more compact, said Navid Asadi, an electrical and computer engineering professor at the University of Florida. 

Low-energy chips could also help machines do a lot more. For newer technologies, like electric and autonomous vehicles, it can mean helping them better navigate the kinds of questions the machines encounter on drives, Asadi said.

“Should I keep the car between the lines? Am I going to pass this car? Should I brake? Should I adjust my speed? These are all decisions constantly made in the chips, and they need energy,” he said. “So low power energy chips is one major area in chip design.” 

The potential that chips could be faster and more efficient thanks to superconductors also means they could support the large amounts of computing power and energy required to sustain other artificial intelligence efforts including generative AI, said Dale Rogers, a supply chain expert and professor at the Arizona State University business school. 

“This kind of superconductor breakthrough, if it’s real, can really enable huge advancements and processing abilities in artificial intelligence,” he said.