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.

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 negative 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.

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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 $99-$195, in addition to the $99.00 monthly subscription fee.

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.

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 have not been rendered.

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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 husbands and wives sign up together, they save up to $195, as only the first person is charged their “First Work Fee” and the second is free, monthly costs are 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 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 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.

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 844-324-3443 to reach a Credit Saint Credit Solutions representative. There is also a live chat option for your convenience.

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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 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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28 Credit Saint Reviews

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  1. User Score

    9

    February 17th, 2017 Anchorage, AK

    really opened my eyes to problems with my credit that i didnt know or understand. Like how being an authorized user on someone elses bad credit card was hurting my credit. Someone should really teach kids this stuff in school because really, the credit bureaus are not our friends. The consultation with Credit Saint is excellent, I talked to lexington also, and there is no comparison. CS goes way farther to explain problems.

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  2. User Score

    10

    February 17th, 2017 Bismarck, ND

    Couple months into the process, I’ll say this company was the right choice. Im not great with a computer, and i wanted more of a human element because i have lots of questions. Credit Saint calls me once a month just to make sure I understand whats going on, and I can see the work they do on my account page. ( when I can get into it.) The bad stuff on my credit is steadily coming off so thats good!

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  3. User Score

    10

    February 16th, 2017

    it was a shock. thats all I can say. I dont think anyone who signs up for this kinda thing thinks they are going to have great credit. You read the reviews and they are hard to believe. But im here to tell you. The guy who sold me was Manny, and he was really dry, almost boring. Not much of a sales pitch. but they had the money back guarantee, and no one else I talked to did. Im glad I went with them my score JUMPED up to 610 from under 500. MORE THAN 100 points. THANKS GUYS! Here’s the crazy part. When I called in to gush about my great results, the guy I talked to, (not manny this time) seemed totally unfazed by my results. He was like “yea, we wont say it when you start, but we see this all the time”. NICE! My credit’s still not “Great” but 610 is high for me in my lifetime. And i started this whole thing around thanksgiving.

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  4. User Score

    7

    February 13th, 2017 Providence, UT

    Pretty good, my score went up. They are good for staying on top of you to do your part.

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    1

  5. User Score

    10

    February 10th, 2017 Chicago, IL

    i thought credit repair was a joke. My man joined up with credit saint and i admit i really told him he was wasting money. But he wanted a house and there was no way we were going to buy one with our credit so bad. in 4 months his score was up to 709 from the high 500s. All of a sudden a house was possible!!!!!!!!! My credit was the problem so i signed up and in 2 mo I got 59 points and we got approved!!!!!!!!!!!!!!!!!! I cannot thank the reps looking after my case (karyn) enough!! THANK YOU! If you are considering credit repair, these people will treat you right. #houseshopping #creditsaintforreal

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    1 1

  6. User Score

    10

    January 14th, 2017 New York, NY

    These guys are amazing, I got put on collections that didn’t belong to me.. they removed it from the 3 credit bureaus in a month … I recommend them to everyone. Awesome customer service, everyone is very friend and helpful..

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    3

  7. User Score

    10

    January 13th, 2017

    I have contacted them in panic after noticing an unexpected decrease in my credit score. The person who was speaking to me spent 20 minutes on the phone analyzing my credit status and in the end she told me that I don’t need to panic and I don’t need a professional credit repair service at this time. She then proceeded and gave me recommendations about how to keep my score high. She literally spent 20 minutes on the phone with me knowing that I was not going to purchase their service. This honesty and willingness to help is something you can not find easily.

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    5

  8. User Score

    8

    December 20th, 2016 Fort Worth, TX Edited

    Been with them for less than a month. Had a rough start but things are looking better

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    6 3

  9. 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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    10

  10. User Score

    10

    August 25th, 2016 Pompton Lakes, NJ

    Cleaned up all charge offs from credit cards and told me what to do to improve my credit score.

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    16

  11. User Score

    10

    August 15th, 2016 Austin, TX

    Ross and the whole staff is always so accomadating! He literally helped my family and I from being homeless and gave me exactly what i needed to prove my credit. It was in a matter of seconds I was in tears!

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    11

  12. User Score

    10

    August 11th, 2016 Seattle, WA

    been with credit saint for 7 months and started with about 80 negatives on my credit. They called me today to tell me I’m finished. They had run out of things to dispute. My score climbed every month and went from low 500s to mid 700s. I barely paid attention!

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    19

  13. User Score

    10

    August 11th, 2016 Arvada, CO

    Credit Saint did a fantastic job! Super knowledgeable staff that help me understand and help raise my credit! An A+ organization fast and trustworthy company! Thank you Credit Saint!

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    10

  14. User Score

    10

    August 11th, 2016 Fort Collins, CO

    Received prompt and professional service. Exceeded my expectations and would highly recommend. Credit score improved significantly and would definitely use again. Thanks so much guys!

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    11

  15. User Score

    10

    August 11th, 2016 Seattle, WA

    Great work. Always talked to someone who knew me and never waited on hold. It’s a level of customer service that’s refreshing in an age where sometimes companies only want to speak through trouble tickets and email. They got rid of the mess my kids got me into with cars and student loans I co signed for. And walked me through building new credit to boost my score. I’m close to 700 now and can walk into a dealership knowing I can leave with a car if I want……FEELS GOOD!!

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    11

  16. User Score

    9

    August 11th, 2016 Hackensack, NJ

    My experience with Credit Saint has been tremendous. They thoroughly answered all of my questions and provided me with great insight on how we were going to fix my credit. I am beyond pleased and would highly recommend them to anyone who is looking to fix their credit!

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    9

  17. User Score

    10

    August 11th, 2016 Glen Rock, NJ

    I didnt believe all the positive reviews, im a skeptic. But what i did believe was that I couldn’t find a negative review. My issues were light, but I had tried to deal with them myself and failed. The 90 day money back guarantee caters to skeptics like me. I pulled the trigger. Glad I did. Now 4 months later, my problem is solved after about 2 years of trying to fight the credit bureaus myself.

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    10

  18. User Score

    9

    August 10th, 2016 Port Washington, NY

    I did not even know what was on my credit report until Credit Saint recovered a copy of my credit report for me. The paralegal I spoke with took the time to go over the entire report with me even though I initially told her that I would likely be shopping around before I made a final decision. Within the first twenty minutes of my conversation with Credit Saint, I already gained more knowledge on credit than I had acquired my whole life. I was instructed on ways to build credit but also on ways to tackle the debts that I accumulated over the years. I went off my gut and decided to go with the program that day. Within the first cycle, ( which runs in 45 day periods) I had my repossession, my bankruptcy and the ALL of the late payments / charge-offs removed from 4/5 of my accounts t hat were filed under the bankruptcy. Within TWO months I was able to walk into my dealership and get approved of a car that I could actually afford. . It is hard to trust companies these days, especially in the financial sector. Credit Saint has made no false promises . They have simply delivered. I really appreciate them for doing all they have done for me. I am excited to see my progress in the next cycle!

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    8

  19. User Score

    10

    August 8th, 2016 Hackensack, NJ

    This was the best money I have ever spent. People I am telling you….the amount of care and effort that was put forth by the team at Credit Saint is incomparable to other companies. They took the time (hours at times) to explain everything to me. They truly cared about my credit score getting back to where it belonged. Could not recommend this place more!!!!!

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    6

  20. User Score

    10

    August 8th, 2016 New York, NY

    Utilizing Credit Saint to repair and raise my credit score was one of the best moves i made this year. I am now in control. Thank you Credit Saint

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    5