July 7, 2024

Who Owns Credit Saint

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Ross LaPietra owns Credit Saint. But who is he and how did the company come about? Read on for all the details.

Ross LaPietra founded Credit Saint 16 years ago—a company offering credit repair services around the U.S.

In this guide, find out who Ross is and how Credit Saint can help improve your credit.

Who owns Credit Saint?

Ross LaPietra has been the CEO of Credit Saint since 2007, and the company has been in operation since 2004.[1] Currently, Credit Saint is one of the largest credit repair companies and employs around 200 people.[2]

Through Credit Saint's credit repair packages, Ross LaPietra stands by his mission in "leading the world to better credit."[3]

Ross LaPietra also founded the following:

  • Credit Squad — a credit monitoring service with identity theft protection features
  • Bolster — a mobile app that focuses on financial health and credit repair
  • Acqualify — a service that focuses on qualifying, converting, and nurturing leads

When was Credit Saint founded?
Credit Saint was founded in 2004. Its offices are currently located in Oakland, New Jersey.

Here's what you need to know more about Credit Saint.

What is Credit Saint?

Credit Saint is a credit repair company. Its credit specialists analyze your credit reports and identify negative items impacting your credit score.

Credit Saint then sends dispute letters to the credit bureaus challenging these negative items.

Negative items may include:

  • Collection accounts
  • Late payments
  • Foreclosures
  • Charge offs
  • Bankruptcy
  • Judgments
  • Repossessions
  • Liens

In general, Credit Saint has helped over 200,000 clients improve their credit. It also has an average rating of 4.8 out of 5 from over 12,700 reviews on Google.[4]

Have you ever used a credit repair service?

How does Credit Saint work?

Credit Saint sends dispute letters to the credit bureaus. If the disputes succeed and your negative items are removed, your credit may improve.

To start, you can sign up for a free consultation and speak with a credit specialist. Here's the step-by-step process:

  1. Sign up with Credit Saint and set up your online account. Credit Saint pulls your credit reports (without charge).
  2. Credit specialists view and analyze items and information in your credit reports.
  3. For any inaccurate item or detail, Credit Saint sends a dispute letter to the credit bureaus.

It takes around 30–45 days to finish a dispute cycle per inaccurate item. Once Experian, Equifax, or TransUnion receives your dispute letter, they will review and validate the dispute.

The disputed item will be removed if it's inaccurate, not yours, or too old to be in your credit report. You can view the progress of your disputes in your online account.

Can I cancel Credit Saint anytime?
Yes, you can cancel your Credit Saint package anytime without fees! However, cancellation is subject to the terms and conditions stated in your service agreement. Also, note that your account remains active until the end of your current payment cycle.[5]

How much does Credit Saint cost per month?

Credit Saint offers 3 credit repair packages with the following fees:[6]

CREDIT POLISHCREDIT REMODELCLEAN SLATE
Price (per month)$79.99$109.99$139.99
Initial working fee/First work fee$99.00$99.00$195.00

Credit Saint will charge the initial working fee within 5 days of your service enrollment. Afterward, you'll be charged the respective monthly fee.

Credit Saint offers a 90-day money-back guarantee for all its packages. You can request a refund if Credit Saint failed to remove questionable items from your credit report in the first 90 days (subject to terms and conditions).[7]

This way, you're assured that your first removal will be within 3 months of your enrollment.

Learn more about Credit Saint's packages and 90-day money-back guarantee by reading our guide.

How much are you willing to pay for a credit repair service every month?

Is Credit Saint a reputable company?

Yes, Credit Saint is a reputable company. With around 2 decades of experience in the industry, it is one of the best credit repair companies around.

What's more, Credit Saint is legit and has an A rating and accreditation from the Better Business Bureau (BBB).[8] On top of that, Credit Saint responds to BBB complaints and resolves issues as much as possible.

Which factor is most important to you when choosing a credit repair service?

Bottom Line

Ross LaPietra is the Chief Executive Officer (CEO) of Credit Saint, whose mission is 'leading the world to better credit.' Credit Saint has been serving customers since 2004.

Apart from Credit Saint, Ross also founded Credit Squad, Bolster, and Acqualify, with the first two companies offering credit services as well.

That said, if you're looking for a credit repair company with a solid track record, try Credit Saint. It's a legit credit repair company that has been around for almost 2 decades.

References

  1. ^ LinkedIn. Ross LaPietra, Retrieved 04/11/2024
  2. ^ LinkedIn. Credit Saint LLC, Retrieved 04/11/2024
  3. ^ LinkedIn. Credit Saint LLC, Retrieved 04/25/2024
  4. ^ Google Maps. Credit Saint LLC, Retrieved 04/11/2024
  5. ^ Credit Saint. Website Terms & Conditions, Retrieved 05/25/2024
  6. ^ Credit Saint. Packages, Retrieved 05/25/2024
  7. ^ Credit Saint. Credit Saint 90-Day Money-Back Guarantee, Retrieved 05/25/2024
  8. ^ Better Business Bureau. Credit Saint, LLC, Retrieved 04/11/2024

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How much are you willing to pay for a credit repair service every month?
21% $0 – I prefer DIY credit repair
62% Less than $50
11% $50 – $100
3% $100 – $150
2% More than $150
Source: CreditDonkey. Totals may not add to 100% due to rounding.
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