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 service, the company also offers a 90-day money back guarantee.

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 Saint’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 inaccurate items within 90 days. On top of this, all cancellations are prorated, so clients can cancel anytime they want and only pay for the days they used.

Visit Site

The Bad

Because Credit Saint is so transparent regarding its policies and pricing, customers will also be aware of the first work fees the company charges. For Credit Saint’s most comprehensive plan, customers will need to pay the first work fee of $99-$195 after Credit Saint has provided its initial services. Additionally, Credit Saint customers will pay a $99.00 monthly subscription fee.

High First Work Fees

After Credit Saint provides its initial services, the company charges customers $99 – $195 for its “first work fee”, which is dependent on the plan you choose. This fee includes the first part of the work, writing of challenges, and a full report on your credit rating. 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.

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. 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 they are not satisfied with.

Visit Site

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?

Individuals and couples may sign up as customers with Credit Saint. When spouses sign up together, they save up to $195, as only the first person is charged their “First Work Fee” and the second is free. The monthly service fees are still separate.

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 the credit bureaus to dispute these items in an effort to get them removed. The credit bureaus may 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 45 days or less. In fact, Credit Saint has a guarantee where you get your money back if there are no changes within 90 days if you are dissatisfied with its work.

What results can I expect from Credit Saint?

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

How can I contact Credit Saint?

You can call 844-324-3443 to reach a Credit Saint Credit 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 that results should be apparent in as few as 90 days of providing you with its services.

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 assisting you in removing inaccurate or outdated items from your credit report. 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 or changes on 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.

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 or Changed?

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 assist you by deleting those items that are reporting inaccurately:

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

Once these items are removed, your score may improve.

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

X close
X close

We'll Introduce You!

Call our recommended rep over at Credit Saint below.

1-(855) 466-4561
Or you can visit their site by clicking here.

54 Credit Saint Reviews

1. Select Your Rating:

1
2
6
45
0=WORST 10=BEST

2. Subject For This Review*(Select all that apply)

0 characters

3. Review Validation*

or

    Sort By:

  1. User Score

    10

    March 22nd, 2017 Burlington, VT

    OMG my credt was a trainwrek. bill collectors calling and all. total mess. i didnt want to answer my phone. so embarassing. I thought there was no way back, but it turned out easier than I expected. CS put me on a budget and ive stuck to it for about 4 months. Its a different world now. No more calls. im not 800 or anything, but way better than when i started.

    Read More

    Was this review helpful?

  2. User Score

    10

    March 22nd, 2017 Houston, TX

    a pleasure doing business with these folks! they give straight answers to straight questions and never beat around the bush. More importantly they got rid of a bunch of problems that my ex wife caused.

    Read More

    Was this review helpful?

  3. User Score

    10

    March 21st, 2017 Columbus, OH

    Score is up 90 points. What else matters when dealing with a company like this? Other company should be held to this standard.

    Read More

    Was this review helpful?

  4. User Score

    9

    March 20th, 2017 Nashville, TN

    I talked to a real paralegal there who was assigned to me. I called the others on this list and didnt get anyone with any legal background anywhere else. Even the places that seem like law firms. Its good so far. Id recommend.

    Read More

    Was this review helpful?

  5. User Score

    10

    March 17th, 2017 Dallas, TX

    about 4 mo in and they added 70 points to my credit report. Then i bought a car and lost some, but the service works. they took my calls on weekends and late at night. Im a customer service rep by trade and i know good service when I get it. I also know when I dont. Their customer service is well trained and eager to help. they believe in their work and inspire confidence.

    Read More

    Was this review helpful?

  6. User Score

    10

    March 17th, 2017 Warwick, RI

    child let me tell you! they BEASTED it! I used lexington all through 2016 and in the first 3 months of 17 with having spent over 1000 on bad service from lexington law, I spend a fraction of that with CS and got WAY MORE VAALUE! How is Lexintgon number 1 here? My advice, is read past number one on these lists. There is gold buried deeper! Creditsaint was a great surprise.

    Read More

    Was this review helpful?

  7. User Score

    9

    March 17th, 2017 Clarks Summit, PA

    My score went up. Thats all you can ask for. And she told me lots about how to build it even farther. THe rep who helped me became a friend along the way. I grew to trust her and my credit is better. I wholeheartedly reccommend!

    Read More

    Was this review helpful?

  8. User Score

    10

    March 15th, 2017 Portland, OR

    Credit Saints really cares. I spent an hour on the phone with a paralegal there and she wouldnt let me sign up. I wanted to so badly, but when she looked at my report and saw that I was struggling to pay creditors, She advised me to wait. She said that paying CS and missing a payment with the creditors would mean I was going in reverse. we talked for over an hour and she made me write down creditor contact information and how to put together a plan to get on top of things. Im on a budget now and hopefully I can show the discpline to stick to her plan and get out of this mess. When I do, ill call her back as she definately won my loyalty.

    Read More

    Was this review helpful?

  9. User Score

    10

    March 15th, 2017 Bismarck, ND

    My boy JUSTIN opened a can on the bureaus for me. He says its someone else over there, beating them up, but Im pretty sure he is pullin the strings! Score is up 100 points. Not at typo. 100 points! Im going into the 3rd mo now looking to keep climbing! Whoooo-Yaaaaaa!

    Read More

    Was this review helpful?

  10. User Score

    10

    March 13th, 2017

    I cant say enough about the blessing these people were to me. I was so distraught about my credit and the way some bad creditors had treated me. They did things I thought had to be illegal. I talked to an attorney, but in the end, Credit Saint were the ones who gained my confidence, and it was well placed. I hope i dont need them again, but if I did, i wouldnt consider anyone else for this kind of work.

    Read More

    Was this review helpful?
    1

  11. User Score

    10

    March 9th, 2017 Nashua, NH

    I got the run around from another company like this one. I also did not trust that literally every review i found for Creditsaint was positive. I tried them after working with another company that pretty much screwed me. I drove the sales guy crazy with questions. He hung in there and by the end he had won me over. later when the results came they really won me over. I had over 50 late payments removed in the first report i received 1 mo in. these companies are not all the same. I think they are mostly a sales pitch with little effort behind it. Credit saint was a good sales pitch, with even better work to back it up.

    Read More

    Was this review helpful?
    1

  12. User Score

    10

    March 8th, 2017 Billings, MT

    Score went up enough to get back into college. you saints are life changer. without creditsaint id be doomed to be a waitress forever! Thanks for the help!

    Read More

    Was this review helpful?
    1

  13. User Score

    10

    March 8th, 2017 Omaha, NE

    Another 10. They earned it. Thanks team! ps. I never leave reviews. So they were really good.

    Read More

    Was this review helpful?
    1

  14. User Score

    10

    March 1st, 2017 Baltimore, MD

    I had the worst credit. I thought about changing my name and social. Another credit repair company in my area suggested that route. The girl at credit saint that I spoke to really took me under her wing. Explained that trying to change my social was not the answer. She laid out a plan for me to get on top of the problems in my history in steps that I could manage. She told me not to be overwhelmed looking at the mountain in front of me but only to be focused on the next step. She made me feel like she cared about my success, and spent 50 minutes on the phone with me. telling me certain points of our converstation to write down so i would remember what she wanted me to do after. Im far less depressed about everything now and feel like I can get back in control. She made me feel like I could and explained things in a way that I understood the way forward. Very enlightening call. Never felt like a “sale” to her. And she didnt rush me when i asked her to go over some details again before hanging up.

    Read More

    Was this review helpful?
    2

  15. User Score

    10

    March 1st, 2017 Des Moines, IA

    best guarantee. paralegal walked me through everything. very knowledgable.

    Read More

    Was this review helpful?
    2

  16. User Score

    10

    February 23rd, 2017

    Shaune W I was introduced to CS by a coworker and he swore by the service that CS provides and he never lied since being apart of this service I have no complaints and I give CS a 10 plus rating in my book they do what they say and very good on follow up calls and you actually are speaking with someone I had been paying for a premium service plan and when I Igot to the point where my late payments were getting less and less I was introduced to a lesser service with the same results great my credit score is back on track and now I’m seeing new light through the tunnel of my credit thank you Credit Saints SW

    Read More

    Was this review helpful?
    2

  17. User Score

    10

    February 22nd, 2017

    Credit Saint really went above and beyond getting my credit back in order. What stands out the most is there communication about what’s going on and what actions are taking place. I recommend Credit Saint to all my family and friends. Make the move it’s affordable you will not regret it!!

    Read More

    Was this review helpful?
    2

  18. User Score

    10

    February 22nd, 2017 Brooklyn, NY

    My credit was soo bad, that i didn’t qualify for “any” credit card or even a cell phone plan.
    i had about 25 late payments reported on all credit bureaus, along with a bunch open charge offs and inquires and what not…
    Your services were just “amazing”, i was originally put on the clean slate, and in just a few months i saw drastic results, i then lowered to a lower package.
    after a year of using your service, i was already eligible for jumbo mortgage loans, and now doing real estate investments using the power of my credit history.
    Thank you Credit Saint, NO WORDS!
    I’m canceling the service today, i’m totally clean – not a single late.

    Read More

    Was this review helpful?
    2

  19. User Score

    10

    February 21st, 2017 South Bend, IN

    worth the money. glad i did it. I went with CS because i thought the guarantee was the best available. (im in law school) They said they’d give my money back if my credit didnt get better in 90 days. Nothing to lose. But its not even 90 days yet and im so impressed with the work they did. Thanks!

    Read More

    Was this review helpful?
    2

  20. User Score

    10

    February 21st, 2017 Boise, ID

    I didnt feel like a number. Talked to the same people each time and got my rid of the mess made by a former man in my life. I thought I was going to be blacklisted forever for the stuff he did. Credit Saint fixed it…quick. AND they didnt LET me have the most expensive program. I wanted their Clean Slate, (most aggressive, most expensive) and they said i wasnt eligible! I didnt have enough damage. They also said their middle program (REMODEL) is more aggressive than others best programs….and it was. I tell everyone.

    Read More

    Was this review helpful?
    2