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What are the conditions for return?

  • Eligibility for a refund does not start until day 90. You must be an active participant in the program for 90 days. Cancellation or failure to pay during the initial 90 days of the program is a void of this guarantee.

  • That you do not create or cause any new derogatory trade lines to be added to your credit report after your participation in the applicable program begins;

  • You make all payments due and owing to Credit Saint per this agreement in a timely manner.

  • You mail, fax or email to Credit Saint proof of your identity such as a copy of driver’s license and copy of social security card within five (“5”) days of the effective date of this agreement.

  • You agree to give Credit Saint thirty (“30”) days from the date you have requested a refund to allow Credit Saint adequate time to review your credit bureaus and audit your account to verify that no negative items have been removed from your account and to ascertain the reason for this occurring.


Can I return the product that I'm not satisfied with?

  • Yes. The goal of credit repair is to remove questionable negative information from credit reports. This is not an exact science and there are cases in which they may be unsuccessful. 

  • Their clients are protected with their 90 day warranty. If you sign up for service with Credit Saint in any program, and do not see any questionable items deleted from your credit in 90 days, you will be entitled to a full refund. 

  • This does not mean that your credit will be fixed completely during that period but you should see some of your questionable negative items deleted in this period or your money back. 

  • To apply for a refund please contact your service specialist by phone, so your identity can be verified.


How can bad credit be legally repaired?

  • 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.

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