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Credit Saint

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6.1

Overall Score

LAST UPDATED: September 19th, 2022

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 CreditSqaud.com 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. 

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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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Call our recommended rep over at Credit Saint below.

1-(877) 236-0591

Star Rating

4.7

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251 Reviews

Review Breakdown

5 grade

85%

4 grade

8%

3 grade

2%

2 grade

1%

1 grade

4%

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Value

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Quality

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Service

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Trustworthiness

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Review Source

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Sara Littleton, CO

it was a little bumpy to start, so thats why 4 stars. they ask so many more questions about the stuff on your report than other companies Id used that didnt get the good results i got from credit saint. overall its worth the money and time when the results come.

4 years ago

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Verified Customer

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Review Source

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R.Jaeger Los Angeles, CA

nice to get the TRUTH for a change. Others told me that all my inquiries were killing my credit. My paralegal marisol told me they were not my problem and that high balances and other issues (lates) were the problem in my case. Sold me a cheaper program than I thought I needed because she new better and I didnt need to spend more.

4 years ago

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Stacey 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!

6 years ago

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justin singleton Portland, OR

Good company. I try to catch people in lies and double talking, but I never could with their reps. they are careful about what they say and under promise, and then over deliver. Other companies made me promises i knew they coudnt make, thats a red flag for me. I dont like being "sold". Credit Saint was very matter of fact about not being able to predict results. They let the work do the talking. and you can see by all the reviews it talks!.

5 years ago

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Ryan Ventura 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.

5 years ago

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jack hoyle Washington, DC

I did not have anything deleted, but I did get a full refund without having to fight with them. I had used other services in this list and tried Credit Saint after Lexlaw, and credit repair.com. none of them deleted anything for me, but Credit Saint was the only company that gave me a refund.

4 years ago

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Olivia Brady 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.

5 years ago

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Janice Moran 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!

5 years ago

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Christopher Thomas

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.

6 years ago

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Chris W 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!

6 years ago

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Travis D Darden

This isn't for me just wanted to thank them for there time an effort after carefully thinking this matter over I decide to take this matter in my own hands thanks for your time an service you offered me during my time

5 years ago

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Lanisha Harrison

Credit saints is an amazing company if u need any credit repair service's. They were friendly and helped me with all my credit issues. They were true to their word you will see results in a very short period.

5 years ago

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guerrero The Lakes, NV

they do not speak spanish, but woman who help me go slow for me to understand her. everyone go slow when i call and its no problem for them to help me.

4 years ago

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Reply from Credit Saint

Glad to see that you got the help you needed. We are working on branching into new languages.

Jun. 27th, 2018

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Smuniz Paterson, NJ

I've Only been with them a Month and seeing Great Results, I look forward TO MY FIRST 90 DAYS. Customer Service is Great

4 years ago

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Jennifer Edwards Miami, FL

theys good. but they make you use the comuter. I dont like th computer. They help on the phoen but always want me to get on a compter.

5 years ago

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Steven C Cumberland, NC

So far customer service has been courteous and professional but final results are still to be determined

4 years ago

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Sandy Vee anderson Las Vegas, NV

I have just started working with credit Saint so not much experience but everyone seems very helpful and thorough

4 years ago

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Bird Leeds, AL

Im was satisfied with the service that Ive received so far, but Im eager to see the results.

4 years ago

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judy Corona, NY

Credit Saint has erased late payment, collections and chareoff off my credit report.

5 years ago

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Nicholas Pappajohn Fort Worth, TX

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

5 years ago

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andrew bryan Warwick, RI

I like the work they did. brought my dead credit back to life!

5 years ago