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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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Trike Flyer David Ruff Dallas, TX

I went about 4 cycles with credit saints. I will say they were very easy to speak with. They did answer questions. However here are the things I noted. I did the clean slate at 119 a month. Over the months I had around 20 late payments taken off. The ONE THING they do not do is fight the collection agency. So, it can come off your original creditor, but it will not come off from the collector. They DO NOT call you, write you or contact you at the end of cycles. They just charge your card. Again, if I called - they’d tell me the same info that I could see. I NEVER talked to a credit specialist, or anyone about how / what / if I needed to do anything. It was just 119 a month. My score after about 4 cycles went up around 25 to 40 points on fico 8. HOWEVER, I also noted when they did the vast credit Challenge, my scores would drop everytime the creditor reported, then over the 30 days come up and then go down again. I think this is cuz the creditors were re reporting. Even tho the debt was 5 to 6 years old. Was it worth it? Yes and no. I’d have liked to have talked to the dept that fights. I would have liked a monthly (45 day) call or email. I left credit saint recently as they changed their TOS - wanted me to agree but the site wouldn’t show me the TOS or list what had changed. When I clicked no it immediately removed me as a client, but encouraged me to call if I had questions and I could sign up again if I wanted to send them money and new paperwork… complete hands off “customer service”.

1 year ago


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Ashlyn Elwood Marietta, GA

I went with Credit Saint because they were about the same price as all the competitors I looked into, and had a 90 day money back guarantee. Their advisory team helped walk me through how to fix my credit and was very nice, but I wish there were more features that didn't involve having to talk to someone.

1 year ago Edited April 27, 2022

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Dean Jackson Providence, UT

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

6 years ago

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Koma Dayton, OH

Amazing. Great customer service so far. Today is my first day with them.

5 years ago