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Credit Saint

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LAST UPDATED: July 27th, 2023

Credit Saint is a New Jersey-based company that has been providing credit restoration services to consumers for over 15 years. 

In terms of services, Credit Saint's credit repair programs work in 45-day cycles.

At the end of each credit repair cycle, clients will receive credit reports from all three major credit bureaus to help them track their credit repair progress.

Credit Saint offers three different credit repair service packages that consumers can choose from - the Credit Polish package, the Credit Remodel package, and the Clean Slate package. The packages range from medium to very high aggressiveness levels and include score analysis, creditor interventions, and a score tracker tool.

In addition to the three package options mentioned above, the credit repair company also offers a free credit consultation, a 90-day money-back guarantee, and anytime access to a private online dashboard.

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The Good

  • Simple Credit Repair Process
  • Good Online Transparency
  • Competitive Pricing and Services
  • 90-Day Money-Back Guarantee

Credit Saint provides ample policy information that will truly help customers decide if this company's credit repair services are the best for them.

Information such as terms and conditions, applicable state laws, company policies, and pricing information is not only available but also easy to find on the company's main website.

Customers can see details of Credit Saint's three credit repair packages - what's covered, and how much each plan will cost.

The company's least expensive credit repair option is more affordable than the services many credit restoration companies in the industry offer. Credit Saint also provides customers with a 90-day money-back guarantee, something not offered by many credit repair companies. 

Simple Credit Repair Process

The repair company provides a simple and straightforward credit repair process.

Consumers can begin the repair process by signing up for a free credit consultation that involves a complete analysis of their credit history, credit report(s), and credit scores. Customers will also receive a plan to improve their credit. The company will also create a credit monitoring account for each client.

Next, Credit Saint will work with the credit bureaus and creditors in order to challenge incorrect negative items that are on the customer's credit report. During this step of the repair process, customers are advised to start acting on the plan they received in the initial free credit consultation and begin their journey to building good credit.

The final step of the process includes the credit bureaus releasing updated credit reports. Credit Saint will then update the customer's online account page with a progress report. This is the point when customers may see positive credit score results.

In terms of customer service, Credit Saint provides clients with a personal advisory team. According to the company's website, this team will not only watch over clients' credit cases, but will also "call you periodically to make sure you understand what's going on, and make sure you stay on the right track." 

Good Online Transparency

Credit Saint clearly lists the terms of service, disclaimers, credit laws, and pricing information on its website.

Unlike a few other companies in the credit repair industry, this Credit Saint openly provides details regarding its credit repair process, package options, negative or inaccurate items challenged, and more. The company also allows clients to view their credit repair progress at any time via its online client dashboard. 

Competitive Pricing and Services

Credit Saint charges a fairly competitive monthly fee for its credit repair services.

The repair services customers can receive from Credit Saint include Experian credit monitoring, escalated information requests, aggressiveness, dispute avalanche, online account access, 90-day money-back guarantee, debt validation, and toll-free customer support.

Negative items that Credit Saint challenges include late payments, charge-offs, collections, inquiries, bankruptcies, and repossessions.

As mentioned above, the package options include the Credit Polish package, the Credit Remodel package, and the Clean Slate package.

90-Day Money-Back Guarantee

Unlike with some other companies in the industry, Credit Saint customers have the opportunity to receive a full refund if, for some reason, Credit Saint cannot remove a questionable item from their credit report(s) 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 the company's services.

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The Bad

  • High First Work Fees
  • Limited Availability

Potential Credit Saint customers should be aware that the company charges a first work fee for each credit repair plan option it offers. Additionally, Credit Saint customers are required to pay a monthly fee for their credit repair subscription.

High First Work Fees

After Credit Saint provides its initial services, the credit repair company charges customers a setup fee of $99 to $195, depending on the service plan they choose. This setup fee includes the first part of the work, writing of challenges, and a full report on the client's credit rating.

Overall, it would be better to see no "first work fees" but these service prices that the company offers are competitive, if not lower than some major competitors in the credit repair industry. 

Limited Availability

Credit Saint's services are not available to residents of South Carolina which means that those residing in the South Carolina region will have to find alternative credit repair solutions.

That said, consumers should note that the majority of credit repair companies do not service all 50 states. 


The Bottom Line

Credit Saint appears to be one of the most transparent and reputable credit repair companies in the industry in comparison to other repair companies. The credit repair company, which has been in business for over 15 years, provides a variety of credit repair plans to fit most budgets and credit score goals.

The company's 90-day money-back guarantee and simple, transparent credit repair process makes Credit Saint somewhat unique in comparison to other credit repair organizations and can help customers avoid the risk of making payments for credit repair services that they are not satisfied with.

Credit Saint challenges inaccurate or misleading items such as those that are categorized as late payments, those resulting from charge-offs, collections, bankruptcies, repossessions, and more.

Additionally, the credit restoration service provides consumers with an online account page where they can view their credit repair progress throughout the duration of the program.

If you want to improve your credit score, you should keep in mind, however, that Credit Saint charges a first work fee in addition to a monthly service subscription fee, and does not provide credit repair services to South Carolina residents.

Overall, Credit Saint offers a legitimate credit repair service. If you are interested in choosing Credit Saint to fix your bad credit, we recommend that you take the time to read Credit Saint reviews and visit the company's website to get more information. 

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254 Reviews

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Ein Bryant Buford, GA

I am puzzled how they have such a high rating! Have been using them for 2 months and no progress with just one item. Today, signed into their portal and one bureau was deleted, however, it was not deleted from the credit report. Called Credit Saint and they told me it was a computer error LMAO...I CANCELLED TODAY!

3 months ago

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Katie Harris San Diego, CA

I joined in June 2021, and my credit has always been above 750. My credit report is immaculate as i have never missed any payments always paying everything early. However i had a collection on there for a medical bill ( that was incorrectly placed on my credit file due to me receiving Medicaid there should not have been any balance oweing as the hospital assured me they paid my bill. I never received any bill or anything either. Credit saint said they would DEFINITELY be able to remove this 1 collection ( the only thing) i had on my credit file!!! After paying $100, then $80 for the next 2 months, nothing was done AT ALL! The collection is still there and i am nearly $300.00 out of pocket. DO NOT TRUST THIS COMPANY they LIE and could not even remove the only item i had on my credit file!! They make false promises of removing items then refuse to refund ( as per their 90 day money back policy) That proved a lie. I dont know where all the good reviews come from!!!!! I had just 1 item and they couldn't manage to remove that ( even though it was incorrectly on my credit file. ONCE AGAIN DO NOT TRUST this company they are LIARS they do not remove anything and steal your money on top of that!!!!

1 year ago

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Ashley Ledbetter Los Angeles, CA

I had a really bad experience with this company. I was disputing some legitimate identity theft- and I had police reports and everything. After 5-6 months of working with them, they were unable to get fraudulent inquiries removed from my account. But then I started getting letters from credit card companies I actually had real accounts with- that had been closed in good standing- that they were removing accounts from my credit reports. These were good accounts that had been paid on time and closed due to non use (stores I no longer shop at). However it showed a positive payment history. These people got good stuff removed and did not dispute the damaging things that were hurting my credit. They are idiots! Save your money.

2 years ago

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L Santa Monica, CA

I believe in the negative reviews and not the positive. I don't recommend anyone to work with this company. They wasted 7 months of our time with not much accomplished. It's now 7 months and things that were deleted are being added back to Transunion. This is with their Clean Slate program. They only managed to get Transunion almost clean but not 100% even after all this time. We only saw changes in the first cycle and after that everything went down hill as if they were not doing their job at all after the first cycle. We called the bureaus and they told us that challenges were never received for months. It's hard to believe all the positive reviews.

4 years ago

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Mike Radaei El Cajon, CA

SCAM company I have the worst experience with Credit… I have the worst experience with Credit Saint, they caused my score dropped by 63 points, just got a report from Equifax , showing the massive drop that I never seen in my life- total scam- PLEASE stay away from them. if they can not fix this huge issue I am going to hire an attorney to file a lawsuit against this scam company and write negative reviews about them to as many site as possible, this is playing with people's life which I do not let that happen to other people..

1 year ago

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TheLastUnicorn 80 Texas City, TX

Horrible experience. Used them for months, paid $200 to get started,and $120 a month to get my score up. They told me my score was low and they could fix it money back guarantee. Long story short, the scammed me. My score did not increase because of them, I increased it by taking control and paying off a credit card. When asked for my money back, the said no because they had one thing that someone had put on my credit twice removed, which didn't even raise my score LOL! THEY ARE HORRIBLE! the money you spend on this poor service,you could put twords paying off your debt. Scammed.

1 year ago

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Mona Chapa Eureka, CA

If I could give a negative review, I would. I opted for the aggressive plan and credit squad, my credit utilization was 0%, I did not apply for any new credit. I did everything they asked and my credit score actually went down 16 points on Experian. Because the were able to get a handful of really old late payments deleted (which did not affect my scores) they will not honor the 90 day back money guarantee. 457.00 for 3 months for a LOWER credit score than when I started. A TOTAL ROP OFF! DON'T DO IT! I did better monitoring my credit on my own.

2 years ago

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Reply from Credit Saint

Hi Mona, The only account that we have with this last name shows numerous deletions. As well the account with this last name shows a credit score increase. Please reach out to us and ask to speak with a specialist. We will take excellent care of you, but we do need to make sure we are speaking to the right person so we can do so. Thank you!

Jan. 11th, 2021

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Charity Johnston Mooresville, NC

I would not recommend Credit Saint. I paid $100 per month for 9 months, with no improvement on my score. Bottom line is what they don't tell you. If you have credit card debt, more than 20% per card, your credit score will not improve. Instead of paying them $100 per month, work on paying off your credit cards. Period.

1 year ago

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Sabrina Wildomar, CA

My score has dropped over 80 points in the 3 months or so since I have had credit saint. Negative items have been deleted but this didn't help me at all and I haven't made any changes. I make my payments on time and utilization is low. I went from good credit to bad and what I hoped to resolve is still there.

1 year ago

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Christopher Carr Waco, TX

Functions on website don’t work or simply aren’t there as they claim they should be. Power holds every time you call. Talk to one rep just to be transferred to another power hold while waiting on another rep that operates at a glacial pace. Should have just saved myself over $600 and done the work myself. Not worth it.

2 years ago

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Reply from Credit Saint

Hi Mr. Carr, We are not happy to see that we have missed your expectations. We have tried to contact you but have not been successful. Please dial us back so we can look into and address the issues you have been having. Thank you.

Jan. 11th, 2021

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Greg Nester Leesville, LA

paid for 3 months top package.. absolutely nothing changed on my credit report...

2 years ago