Credit Saint is a credit repair service for those who may benefit from paid professional help in improving bad credit by clearing up errors or disputing reporting mistakes negatively affecting their credit score.
Staffed by skilled representatives who handle credit score cases on an individual basis, Credit Saint works to scour credit reports for negative items such as inaccurate or unverifiable information.
All progress and credit analysis reports are available through Credit Saint’s online portal so customers can monitor the process in real time. If no changes to a customer’s report are made within the 90-day money-back guarantee period, customers can receive a full refund.
Credit Saint also offers educational content to help boost personal finance prowess so that you can continue on the path toward good credit.
Table of Contents
- Credit Saint’s Services
- Credit Repair Packages
- Credit Saint’s Credentials
- Credit Saint’s Accessibility
- Credit Saint’s customer Satisfaction
- Credit Saint FAQs
- Credit Saint vs. other credit repair companies
Credit Saint Credit Repair Services Overview
Pros
- Custom services led by experts
- More than 15 years of credit repair industry experience
- 24/7 access to Credit Saint's progress on the online account page
- Customer service is available by phone call
- 90-day money-back guarantee
- Educational content and guidance for future credit success
Cons
- No guarantee you'll see improvements to your credit score
- Changes to your credit report, if any, may not be instantaneous
- Not a free service; includes a first work fee and a monthly fee
- The minimum starting cost is upward of $170
Based in New Jersey, Credit Saint boasts more than 15 years of specializing in credit restoration for individual customers. The company is well-rated compared to credit repair industry competitors and holds a solid reputation supported by positive customer reviews and ratings from relevant websites.
Credit Saint’s Services
Credit Saint disputes inaccuracies on customers’ credit reports through direct contact with the three main credit bureaus: Experian, Equifax and TransUnion. On a customer’s behalf, Credit Saint may submit requests for validation or deliver letters pinpointing mistakes that must be corrected and, when appropriate, may even send cease-and-desist letters to collection agencies.
Credit Saint’s interventions with credit reporting bureaus are supported by the Fair Credit Reporting Act (FCRA), the Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA). These interventions include calling for the removal of improperly reported information, like unauthorized hard inquiries or other imprecise data, such as late payments that weren’t actually paid late, reports of repossessions, foreclosures or expired charge-offs like credit card or student loan debt.
If a credit bureau rejects a dispute, Credit Saint may then begin steps in an escalated information request, which means they’ll ardently dispute the bureau’s denial. Credit Saint credit repair also handles issues stemming from identity theft.
Credit Saint offers three different credit repair packages for challenging inaccurate items in credit reports, and pricing varies depending on the services provided.
Credit Repair Packages
Credit Saint offers three distinct plans to choose from with scaling pricing. Here’s an overview you can use to figure out which is right for your needs.
| Plan Name | Services included | Pricing | Best For |
| Credit Polish | Score analysis, score tracker, credit monitoring, challenges for incorrect information | $99 setup fee, then $79.99 per month | Customers with fewer than 10 credit report items to challenge |
| Credit Remodel | Includes the same services plus inquiry targeting and up to 20 credit report disputes | $99 setup fee, then $99.99 per month | Customers with mid-tier credit remodeling needs |
| Clean Slate Package | Includes the same services but with unlimited disputes | $95 setup fee, then $119.99 per month | Customers with more than 20 potentially inaccurate items on their credit report |
What Credit Saint offers
- Free credit evaluation – A specialist will evaluate your individual credit situation to determine the best next steps in your credit repair plan.
- Aggressive credit restoration and repair – Credit Saint employs an aggressive approach to challenging credit reporting errors.
- Personalized service – Every case plan is personalized according to the individual’s credit history. If a Credit Saint customer signs up for the highest-tier package but has fewer challenges on their credit report than the package calls for, a representative will downgrade this customer to the appropriate tier.
- Expert assistance – The professional advisory team at Credit Saint is skilled in finding credit reporting errors and negotiating directly with credit bureaus.
- Full refund within 90 days – Credit Saint guarantees a refund if no changes are made to your report within 90 days.
- Transparency 24/7 – Credit Saint’s credit remodel packages work on a 45-day cycle, but customers may see changes on their online progress report even sooner — updates regarding challenges to marks on their credit report can appear in just weeks. Representatives are also available by phone to answer any questions.
- Educational resources – Credit Saint aims to help customers achieve control over their credit, and so the company offers guidance via free educational content to help you understand your score and how to continue building positive credit.
What Credit Saint doesn’t offer
- Guarantee of improvement – Credit reporting mistakes are common, but some scores are wholly accurate. In these cases, there’s no way to repair your bad credit. This is standard across all credit repair companies. With Credit Saint, however, customers can opt out and receive a full refund if no changes are made within 90 days.
- Removal of accurate information – As is standard with any legitimate credit restoration service, Credit Saint can challenge only legally removable marks on a credit report. Steer clear of any company that promises to rid a report of accurate but negative information; it may be a scam.
Credit Saint’s Credentials
Any U.S. citizen has the right to personally challenge inaccurate information that appears on their credit report. This can be done by accessing your credit report (free to all) and then contacting the credit bureau under which an error appears.
According to the Consumer Finance Protection Bureau, because disputing inaccuracies is a legal and free process, paying a company to manage credit repair on your behalf isn’t necessary. Read our guide to learn how to obtain a free copy of your credit report from each of the three main credit bureaus.
For people looking to improve a bad credit score or who simply want to ensure the accuracy of their credit report, professional guidance can be highly beneficial in successfully navigating this complicated and often tedious process.
Licenses and registrations
There are no licenses or registrations specific to the credit repair industry. Credit Saint, LLC has been officially registered as such in New Jersey since 2004 but otherwise holds no specific licenses or registrations.
Awards and certifications
The credit repair and restoration industry does not provide any industry-wide awards or certifications.
Third-party ratings
There are no industry publications related to credit repair and restoration, so Credit Saint does not hold any such ratings.
Regulatory and legal actions
Based on searches of recent media, neither the Consumer Financial Protection Bureau nor the U.S. Securities and Exchange Committee has published any information on regulatory or legal actions against Credit Saint.
Although we always try to include accurate and current information on regulatory and legal actions, we don’t claim this information is complete or fully up-to-date. As always, we recommend you do your own research as well.
Credit Saint’s Accessibility
Credit Saint’s services are available to customers primarily through its website. A Credit Saint customer can also receive assistance by email, phone, or fax. Credit Saint has no in-person branches and doesn’t have a mobile app.
Availability
Services are available to customers throughout most of the United States and its territories.
Areas where Credit Saint is not available:
- District of Columbia
- Georgia
- Kansas
- Maine
- Minnesota
- Mississippi
- Oregon
- South Carolina
Contact Information
Credit Saint customers can fill out a form on Credit Saint’s website to initiate the free credit consultation process or sign up for one of the company’s three credit repair packages. These services can also be accessed using the company’s chat service on the bottom right-hand side of the website or by calling Credit Saint at 1-877-637-2673.
Credit Saint also responds to queries sent via email to support@creditsaint.com. Communication by fax to 1-800-400-4679 is another option. Credit Saint maintains two social media accounts (Twitter and Facebook) but does not update either regularly.
User experience
Across various review sites, there is a wealth of positive feedback regarding Credit Saint’s success in credit repair and restoration. There are recurring complaints, however, primarily regarding difficulties in receiving a full refund within the promised 90-day money-back guarantee period.
Another complaint is one often seen with credit repair and restoration companies: Some individuals have noted receiving frequent sales calls from Credit Saint despite having ultimately decided against using the company’s services.
Limitations
Access to Credit Saint counselors is vast, so there are few limitations to consider regarding the company’s customer service availability.
Credit Saint’s Customer Satisfaction
Generally, customers who use Credit Saint to help repair their credit reports and improve their credit scores are happy with the services provided. Like many credit repair companies, some negative remarks have been made regarding Credit Saint’s credit repair services.
Customer complaints
The cost of Credit Saint’s services is a point of contention for some; not every customer can afford even the lowest price of its three repair and restoration packages. Others have complained about problems trying to opt at or before the 90 days of service to receive the full refund promised by the company’s 90-day money-back guarantee.
Third-party rankings
The Better Business Bureau (BBB) and Trustpilot are the main resources for verified reviews of Credit Saint. The company’s BBB rating of A and status as an Accredited Business are helpful indicators of Credit Saint’s efficacy. On Trustpilot, Credit Saint has a 4.3 rating based on 67 reviews, with 67% describing its services as excellent.
Credit Saint FAQ
Is Credit Saint a legitimate company?
Yes. Credit Saint has been in the credit repair and restoration business for more than 15 years and continues to receive A ratings and positive feedback from its customers.
How much does Credit Saint cost?
Credit Saint offers three packages; pricing reflects the aggressiveness of the service provided. A starting fee is required for each, plus a monthly rate, which can scale up to $119.99 for customers with major credit challenges.
How long does it take Credit Saint to work?
This depends on the specifics of a person's credit report. Customers may see updates regarding credit challenges in weeks, while for other customers, it may take longer. If there are no actual inaccuracies on your credit report, you will likely not see any changes.
Is Credit Saint really worth it?
If you've noticed a negative impact on your credit due to what you believe to be incorrect information, then yes, Credit Saint's representatives may be able to get those marks removed, which could ultimately boost your score.
What services does Credit Saint offer?
Credit Saint customers benefit from professional help in spotting incorrect data on their credit reports. The company employs counselors that contact the appropriate credit bureau or creditor to get the incorrect information removed from your credit report.
What are the interest rates for Credit Saint?
Credit Saint doesn't have interest rates since it's not a lender. Instead, the company charges a monthly fee to help its customers resolve disputes on their credit reports. This monthly fee ranges from $79.99 to $119.99, depending on the number of disputes required. There's also a one-time setup fee of $95 to $99.
What occurs when you file for bankruptcy?
Bankruptcies will damage your credit score significantly, so it's best to use them only as a last resort. If you file for Chapter 7 bankruptcy, your assets could be sold off to pay your creditors. But if you file for Chapter 13 bankruptcy, you may be able to keep your assets as long as you pay off your debts within the court-ordered time frame.
How we Evaluated Credit Saint Credit Repair
We evaluated the credit repair services offered by Credit Saint credit repair based on a multitude of sources. Customer-driven ratings and feedback available through the Better Business Bureau (BBB) and Trustpilot were helpful in analyzing the satisfaction of Credit Saint credit repair customers.
We also looked to other review sites for patterns in customer feedback. Of course, we also thoroughly studied the company’s website, looking at factors such as service cost, guarantees and user-friendliness.
Credit Saint vs. other credit repair companies
Even if you’re interested in using Credit Saint, it’s a good idea to compare it to several of the other best credit repair companies before making a decision. The table below will help you do that.
| Credit Saint | Sky Blue | Credit People | |
| Services Offered | Score analysis, score tracker, credit monitoring, challenges for incorrect information | Custom disputes, credit rebuilding, on-call coaches, cease and desist support, debt validation | Credit review and disputes, free credit consultation, real-time progress updates |
| Max. Number of Monthly Disputes | 10 to unlimited, depending on the plan chosen | Unlimited disputes | Unlimited disputes |
| Letters to Creditors | Yes, cease and desist letters and letters challenging mistakes | Yes, cease and desist and goodwill letters offered | No |
| First Work Fee | $95 or $99, depending on plan chosen | $79 | $19 |
| Minimum Monthly Fee | $79.99 | $79 | $79 |
| Customer Service Platforms | Phone, email and social media | Phone and email | Phone and email |
Summary of Money’s Credit Saint Credit Repair Review
Credit Saint credit repair stands out for having received overwhelmingly positive feedback in an industry that is not regulated by specific standards.
The 90-day money-back guarantee of a refund (if no changes are made to a customer’s credit report) is another plus for Credit Saint. While some have complained that they didn’t receive their refunds immediately after the cancellation of the service, responses from the company to the authors of these reviews indicate that issues are typically resolved quickly. That makes Credit Saint a solid choice if you need to dispute something on your credit report.
For professional help in understanding your credit report and subsequently challenging any reporting errors, Credit Saint credit repair is a stellar option; this is why we’ve rated Credit Saint credit repair as Best Overall among the top seven credit repair companies.
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