Credit Saint’s credit repair programs work in 45-day cycles. At the end of each cycle, customers will receive reports from all three credit reporting bureaus to help them track their credit repair progress. In addition to three levels of credit repair, the company also offers a 90-day money back guarantee.

Rank Chart
Monthly Price
Company Rating
Our Score

#1

$99.95
9.4
9.4

#2

$99.95
9.0
9.0

#3

$59
8.9
8.9

#5
credit-saint

$49.99-99.99
8.5
8.5

The Good

Credit Saint provides ample policy information that will truly help customers decide if this company is the best for them. Information such as terms and conditions, applicable state laws, company policies, and pricing information is not only available but easy to find. Customers can see details of Credit Sesame’s three credit repair plans – what’s covered, and how much each plan will cost. The company’s least expensive option runs at $49.99 per month, which is more affordable than some top-rated companies. Credit Saint also provides customers with a 90-day money back guarantee, something not offered by many credit repair companies.

Good Online Transparency

Credit Saint clearly lists terms of service, disclaimers, and pricing information on its site.

Lower Monthly Rate

Credit Saint charges as low as $49.99 a month.

90-Day Money Back Guarantee

Customers receive a full refund if Credit Saint cannot remove negative items within 90 days.

The Bad

Because Credit Saint is so transparent regarding its policies and pricing, customers will also be aware of the company’s first work fees it charges. For Credit Saint’s most comprehensive plan, customers will need to pay the first work fee of $195, in addition to the $131.00 monthly subscription fee. If you decided to cancel your services with Credit Saint, you won’t be charged anything during that month of service as long as you cancel within the first half of the month. If you end up canceling in the second half of the money, you will be charged.

High First Work Fees

Credit Saint charges $99 – $195 for its “first work fee” depending on what plan you choose, which includes, the first part of the work, writing of challenges, and a full progress report. Overall, it would be better to see no “first work fees” but these prices are competitive if not lower than some major competitors in the industry.

Limited Availability

Credit Saint’s services are not available to residents of South Carolina.

Want to know which companies are top-rated? Click here.

The Bottom Line

Credit Saint is one of the most transparent credit repair companies in the industry and provides a variety of credit repair plans to fit most budgets. However, customers may find themselves paying more for comparable services offered by other companies for less. The 90-day money back guarantee makes Credit Saint somewhat unique in the industry, and can help customers avoid the risk of paying for credit repair services that have not been rendered.

View Top-Rated Companies.

Frequently Asked Questions

How much does Credit Saint cost?

There are three plans to choose from, respectively. On top of that, you must pay a one-time fee of $99 (or $195 for the top plan) for the company as a “First Work Fee.”

Does Credit Saint allow me to enroll more than one person or my whole family?

Only individuals may sign up as customers with Credit Saint. If a spouse or family member wants their credit repaired, they’ll have to enroll separately with their own account.

How does Credit Saint repair my credit?

Credit Saint takes a look at your credit report and thoroughly examines it line by line to identify those inaccurate or out-of-date items that could be removed. Then, the company will contact creditors to dispute these items in an effort to get them removed. The credit bureaus will then communicate with you so that you are aware of the entire process.

How does Credit Saint provide credit monitoring?

Credit Saint does not indicate on its website whether it offers credit monitoring.

How long will it take before I start to see results with Credit Saint?

The website says customer should see results within 90 days. In fact, Credit Saint has a guarantee where you get your money back if there are no changes within 90 days.

What results can I expect from Credit Saint?

With Credit Saint, you should expect quick results of your credit score improving due to false information being removed from your report.

How can I contact Credit Saint?

You can call 1-877-63-SCORE to reach a Credit Saint Credit Solutions representative. There is also a live chat option for your convenience.

More Information

Published Results

 Credit Saint doesn’t have too much in the way of published results. There are a few reviews submitted from customers who express satisfaction with the service they received. There isn’t much in the way “results” stated other than the actual items that were removed from the credit reports.

Credit Saint does make the claim hat results should be apparent in as few as 90 days of enrolling in the credit repair program.

Price Breakdown

 Credit Saint has a robust pricing structure designed to cater to anyone’s budget and needs. There are three plans to choose from. All plans must pay an additional upfront fee for the first work the company will do. The First Work Fee is $99 for the first two plans and $195 for the third. With any plan, you may cancel at any time.

Polish Plan

This plan costs $49/month. It is a medium-level plan in terms of aggressiveness. With it, you get an online account and access to Credit Saint Support.

Remodel Plan

 This plan costs $79/month. It has everything the lower plan has, plus with it, Credit Saint will delete additional eligible items.

Clean Slate Plan

 This highly aggressive package costs $99/month, is comprehensive, and will work to remove up to eight categories worth of false information. Plus, with it, you can escalate requests.

How It Works

Credit Saint uses a three-step approach to improving your credit score. Each step takes roughly 45 days to complete. At the end of each step, you will be mailed the results of the process. The reports will show exactly what has been removed from your report.

The Challenge

Credit Saint first challenges the reporting bureaus and creditors on false information on your report.

Bureau Investigation

Following Credit Saint’s challenges, the bureaus will do their own investigation and respond to you what Credit Saint has asked them to do.

Communicate With Credit Saint

Once you have the information from the bureaus, you send Credit Saint the report. Credit Saint then updates your case and lets you know where your score stands.

What to Expect when Signing Up

 Before enrolling, you may have a free consultation with Credit Saint to make sure the service is best for you. Then, if you decide you want to enlist the company’s help, you may sign up online in a simple, hassle-free manner. All that is needed is your personal information.

The enrollment process is safe and secure. Credit Saint takes your privacy and security seriously. The company will safeguard all your information, so there is no need to worry about your financial data being compromised.

What Can Be Removed?

By law, Credit Saint is unable to remove legitimate items on your report that may be harming your credit score. But don’t worry, the company works diligently to improve your situation by deleting those items that are unverified or erroneous:

  • Charge-offs
  • Collections
  • Judgments
  • Late payments
  • Bankruptcies
  • Inquiries
  • Foreclosures
  • Identity thefts

Once these items are removed, your score should go up and put you in a better financial position to qualify for loans.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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50 Credit Saint Reviews

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  1. User Score

    9

    December 7th, 2016

    I was a college screwup with my credit. My parents warned me about spending too much and not being able to afford it but of course I didn’t listen, who ever does at that age? After graduation though, trying to rent an apartment was impossible. I barely had any job history and my score was all messed up with late payments, fees and charge offs from stupid store credit cards and what not. While I was living at home still, I researched some credit repair ideas online and got an ad for Credit Saint. I went on and realized they were pretty good at what they did so I gave them a chance. My Transunion score is 149 points and my Equifax went up well over 150 points and I’ve only been with them about six months or so. Really helped turn my credit around.

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    2

  2. User Score

    9

    December 7th, 2016 Brooklyn, NY

    Credit Saint is exactly what I needed to get my credit back in check. Being a single mom of 3 isn’t easy and sometimes life happens. I missed some payments here and there and trying to get everything I needed for the kids wasn’t easy. My score was less than desired. I was able to get myself back on track though with their help. The lovely lady that I spoke to answered all my questions and I was able to get a home lien and a bankruptcy off my score. I’m up 129 points already and I’ve seen a drastic difference.

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    2

  3. User Score

    9

    December 4th, 2016

    I had maxed out many credit cards and I was trying to get my credit back in order. I had a ton of late and missed payments and my score looked like I was going to be screwed for a very long time. I was in the 500’s. That’s pretty pathetic and knew I had to do something different being that I would eventually want to refinance my student loans and one day hopefully afford a home. My friend told me about Credit Saint and how they helped fix her credit which was worse than mine. She is now doing awesome. So I decided to give em a shot. Right now, after 2 cycles, which is only like 90 days, my score has risen about 90 points. That’s about 45 points per cycle which is a point a day. If they can keep this up, I will be back to a good score in no time!

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    2

  4. User Score

    10

    December 1st, 2016 Chatham, NJ

    My credit was bloody awful before hearing about this Credit Saint program. I had many late payments and some pretty high credit card debts. I also had a charge off or two. It was not the best situation to be in. Especially when trying to move out of an apartment and purchase my first condo. Credit Saint helped my credit by challenging all of the negative items that I had and they did it every cycle. Within 4 cycles, about 180 days, my score rose 148 points and I am on track to having great credit again.

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    2

  5. User Score

    9

    November 29th, 2016

    My TransUnion report said that I had 239 late payments on my account. That is so embarrassing. I called credit saint because I also had 13 chargeoffs as well. I knew that something had to be done. Working with them has been nothing short of a godsend. I’m not religious but they literally work miracles for people. I was able to get those late payments off my account with only 100 left. They removed 139 of them, that’s bananas. They also got my chargeoffs down to 5, also bananas. Super helpful and money well spent.

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    4

  6. User Score

    9

    November 29th, 2016

    I wanted to refinance my mortgage and get a lower interest rate. Since I had less than perfect credit, it was very hard for me to do so. I called the folks over at Credit Saint and after shopping around with some other companies, I decided that they were the best. They provided me with a ton of information on not only what they were going to do but also what I could be doing on my side like paying down expensive credit cards and what not. I listened to everything they had to say and they helped me raise my credit score about 170 points so far which has gotten me great rates to refinance!

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    5

  7. User Score

    10

    November 29th, 2016

    When I started with the Saint, I had 270 late payments on my report. THey were able to get them down to 129. I also had 6 open collections which they got down to 2. They are miracle workers. I’m happy with the progress they got me.

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    4

  8. User Score

    10

    November 26th, 2016

    Here are some stats on how much Credit Saint has helped me with my credit.
    Late payments: they got them from 50 down to 16.
    My Open collections went from 6 to 4.
    My Open charge offs went from 7 to 3.

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    4

  9. User Score

    9

    November 24th, 2016

    After my wife and I split, it was tough on me to keep everything in order and a few bills slipped through the cracks and went to collections. I needed help. A friend of mine who had great results told me about CS and how they helped get him back in the black instead of the red. I spoke with some awesome people and they helped me get started that day. Since then, it’s been about 5 months and my score is up 185 points.

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    4

  10. User Score

    9

    November 23rd, 2016

    I joined to help save my credit score after I missed a few payments on my some of my bills. When I talked to the people who worked there, it was worst than I thought. God did I need help and those nice people there were able to help me get my score back on track. I went from a 600 score up to 780 in 6 cycles as they refer to it. All I had to do was send them my reports and it was taken care of. Glad I found them.

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    Was this review helpful?
    5

  11. User Score

    9

    November 19th, 2016

    I joined Credit Saint because I needed to get my credit score up bad. I was in the low 500’s. After working with them for 6 months, I was already up to 665. Since then, I’ve gone up to 720. This proves that whatever they are doing work. Plus, they tell you what you can do to get your score up as well.

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    8

  12. User Score

    9

    November 15th, 2016

    I saw some posts about Credit Saint on Facebook and since I’m a big Facebooker, I decided to give them a shot. They have the best customer service people in teh world. Everytime I speak with one of them, they have all the answers and if they don’t know, they find out right away for me. As for my score, it’s been about 3.5 months and my score is up over 100 points already. I had so many negative itmes they were able to remove, it’s uncanny how amazing they are.

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    8

  13. User Score

    10

    November 15th, 2016 Lyndhurst, NJ

    After spending 45 minutes on the phone with Credit Saint, they provided excellent customer service for me. They could have put me into a program and charged me every month but after they pulled my report, they advised me that there was nothing they could do and that it was all in my hands. They provided me phone numbers on who to talk to. I ended up not having to sign up and I appreciate their honestly. Their customer service is second to none. It’s very much appreciated. I will refer anyone to them who needs it after their help!

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    8

  14. User Score

    10

    November 14th, 2016

    Credit Saint got my score up 189 points in 9/10 months. It only took a few cycles and the reason I joined was because they had a money back guarantee that in 90 days they would be able to get your score up or money back. I figured what did I have to lose? Great service and product.

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    8

  15. User Score

    9

    November 7th, 2016

    Credit Saint saved my credit. I had a pile of debt as a result of being an idiot as a twenty something year old. Once I was finally able to get that under control, I was able to get my credit back in order with their help. I’m up 169 points and I couldn’t be happier. I would recommend them to anyone.

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    8

  16. User Score

    10

    November 6th, 2016 Belleville, NJ

    Before Credit Saint: 520 aka worst credit score in history
    10 months with Credit Saint: 694 aka amazing
    I couldn’t have asked for a better program. I owe them everything.

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    7

  17. User Score

    9

    November 4th, 2016

    My experience with Credit Saint has been NOTHING SHORT of EXCELLENT. I can’t believe how much good work they have been doing for me. It’s like the best decision I’ve ever made, EVER. I’ve been doing this for like 10 months, ever since February and the results have shot my credit through the roof. I’m up from 550 to 704 already. This is what I needed to get back on track. So awesome.

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    7

  18. User Score

    10

    October 31st, 2016

    I joined Credit Saint because I was desperate to get my credit score up. My score was barely in the low 600’s which is terrible. Less than a year later and I’m at 780. They were able to get so much stuff off of my report. I’ve been paying my bills consistently and my score has shot up because of it. I couldn’t have done it without them. I’m in such a better place now.

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    6

  19. User Score

    9

    October 28th, 2016

    LEGIT, I can’t stop saying enough good things about Credit Saint. The customer service is actually knowledgeable. Any question I had, they answered.
    The service is second to none. I’m up to 768 already when starting in the low 600’s.
    The price = worth every penny.
    Credit Saint, helping clean up my credit mess since 2016.

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    7

  20. User Score

    10

    October 19th, 2016 East Orange, NJ

    I needed help with credit, Credit Saint was key. I found them through Google search and they came up first in my area. I called and to my surprise someone real actually answered the phone. Imagine that now a days? It happened. I had a ton of questions, they were very helpful. I tried calling a few other ones, which will remain nameless, and they weren’t good. They didn’t even really answer my questions without trying to get me to sign up. Credit Saint was different and their customer service and treating me like a human is the reason I went with them. Besides for all that, they got me results within the “first cycle” as they call it and my score went up. I’m sticking with them for the long haul.

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    Was this review helpful?
    5