Frequently Asked Questions

Each of our programs costs are explained in detail on the Programs page

You will be given an on-line account page where you can watch progress. There is a Time Line and Progress Report as well as 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.

No. That is not an effective strategy. The credit bureaus and creditors receive millions of disputes monthly. They are prepared to handle a heavy flow of challenges, so when we attack an item from your credit, we expect a response. All of our challenges are custom arguments. Our effectiveness is one reason why we're ranked as the top agency by Money.com

Sure, your credit is your own, you just need to be aware that applying for new credit will add new inquiries to your credit report which will impact your credit score.

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 Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

YES. It is your responsibility to protect your credit while we are working on your history. If you add new damage to your credit report, you will be working against us.

It is possible for a negative listing that had been deleted to be verified by a creditor after the deletion is complete. When this happens the Fair Credit Reporting Act states that the credit bureaus need to inform you before re-reporting an items that had been deleted. It is a rare occurrence to have an item removed and replaced, but it is possible.

Paying your bills every month will build your credit history. If they are revolving or installment accounts, paying your bills every month will build your credit history.

A charge-off can remain on your credit report for up to seven years from the date of the first late payment that led to default. Learn more about how to remove charge-offs from your credit report.

Depending upon the type of bankruptcy, it might stay on your credit report for up to a decade. The Fair Credit Reporting Act (FCRA) outlines the credit reporting limitations for bankruptcies

Once you have a judgment against you, the plaintiff may be able to collect the money in several ways including wage attachments or garnishments. Learn everything you need to know about how judgments affect credit

Credit Saint can help you understand what should and shouldn’t be on your credit report and share tactics that may help you get incorrectly reported late payments removed

There are two potential ways to remove a repossession. You can dispute a repossession or you can try to negotiate with the creditor to remove it early. Learn more about how to remove repossessions from your credit report

There are five circumstances under which you might be able to remove a foreclosure from your report earlier than expected. Learn more about how to remove foreclosures from your credit report.

A Credit Saint specialist can analyze your credit reports and discuss your credit history with you to determine which credit inquiries we may be able to help you remove

You can ask a debt collector or creditor to remove a collection and this type of favor is known as a goodwill request.

Credit Saint is a New Jersey-based company that’s been in business for over 15 years.