Updated September 10, 2023

Credit Saint Review

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Do you need professionals to repair your credit? Check Credit Saint, a reputable company that helps remove inaccurate items and improve your credit report.

5-point scale (the higher, the better)

Pros and Cons

  • 90-day Guarantee
  • Cancel anytime
  • First work fee discounts
  • High first work fees
  • Expensive packages
  • No mobile apps

Bottom Line

Experienced credit repair company but on the expensive side

Credit repair is a long, confusing process. For some, it takes years to see a change in their credit score.

You can't do this on your own. Sometimes, it makes more sense to turn to professionals before you do more damage to your credit.

That's where a credit repair company comes in. And Credit Saint is just that.

Find out how the company works, its packages, and how other credit repair services differ.

What is Credit Saint?

Credit Saint is a company of experienced credit counselors that repair your credit. Professionals will analyze your credit report and dispute any negative items to credit bureaus and creditors.

Let's break down what exactly they can do for you.

How Does Credit Saint Work?

Below are some things Credit Saint can help you with:

  • Review and verify items in your credit report
  • Spot and analyze errors and negative items
  • Challenge credit bureaus and lenders on your behalf
  • Advise you when you're dealing with collection agencies
  • Assist with mortgage corrections
  • Confirm or dispute late payments and charge-offs
  • Remove inaccurate information as a result of identity theft
  • Advise you on how to improve your credit

Their service comes in three packages: Clean Slate, Credit Remodel, and Credit Polish. You can choose one depending on what you need.

Credit Saint Packages

Credit Saint packages have varying features and services. They come with monthly fees and initial working fees.

Here's what you can get from each of them:[1]

PACKAGECLEAN SLATECREDIT REMODELCREDIT POLISH
Price (Per month)$139.99$109.99$79.99
Initial Working Fee$195.00$99.00$99.00
Challenges to
Credit Bureaus

Unlimited items

10 items

5 items
Score Analysis
Creditor Interventions
Score Tracker
Inquiry Targeting

Let's talk about what those features actually mean.

  • Challenges to Credit Bureaus
    Credit Saint disputes inaccurate items in your credit reports to Equifax, Experian, and TransUnion. Professionals will study hundreds of transactions in your credit report, review inconsistencies, and challenge credit bureaus on your behalf.

  • Score Analysis
    Credit counselors will break down your credit report and spot things affecting your credit score. You'll know which accounts are negatively dragging down your credit.

  • Creditor Interventions
    Credit Saint corresponds with your creditor by sending cease-and-desist letters, goodwill requests, or dispute letters. Trained credit counselors will negotiate with your lenders, banks, or collection agencies for potential removal of negative items.

  • Score Tracker
    Credit Saint provides Experian monitoring to help you track real-time changes in your online account. You'll see updates in your accounts and instantly uncover any unauthorized transactions made in your name.

  • Inquiry Targeting
    Credit Saint will dig deeper to ensure no other irrelevant creditors are inquiring about your report. Only authorized lenders, banks, or card issuers (most of which you applied for) should be inquiring about your current credit.

Hard credit inquiries can stay in your report for up to two years.
Too many hard inquiries or hard checks drag down your credit. You must verify that only authorized companies are performing hard checks on your credit. This is where services like Inquiry Targeting can be useful.

Best Credit Saint Package For You

Credit Saint's price points are no joke. These suggestions may help you decide on which plan to go for.

  • Clean Slate
    This plan is more suited for people who need a very aggressive approach. This will enable you to get a team working on many inaccurate items in your credit report.

  • Credit Remodel
    This next plan is only for people who need a moderately aggressive approach. That is if you only need to dispute less than ten items in your credit report.

  • Credit Polish
    Lastly, this plan is for people who need a minimally aggressive approach to dealing with inaccurate items. You can also opt for it if there are no or minimal hard inquiries to your credit.

You can access your credit report for free! You may do so on the Annual Credit Report website.

Now that you know what they can do for you, let's clear up some things about Credit Saint.

Credit Saint Is Not…

Credit Saint offers a lot of services to improve your credit report. Although, there are many things it cannot do.

Credit Saint is not:

  • A free service
    Credit Saint only offers a free consultation. The credit repair packages are not free! When you choose Credit Saint, you are not only paying for the package fee. In fact, you also pay an initial working fee to use these credit repair services.

  • A guarantee to increase credit score
    Again, there is no direct, guaranteed, fast way to increase your credit score. Credit Saint is only here to dispute negative items that may severely impact your credit score.

    Credit Saint offers you a 90-Day Money-back Guarantee to provide peace of mind. You are entitled to a full refund if you do not see some incorrect items removed within 90 days. That said, it's not guaranteed that your credit score will increase right away.

  • A quick way to change your credit report
    Credit Saint cannot improve your credit report overnight. Removing questionable items that negatively impact your credit score takes days, even weeks. Credit Saint is not a quick fix to improve your credit score.

    Beware of credit repair companies that offer immediate results to your credit report. Verifying items alone already takes a lot of time. So will disputing agencies and bureaus. It's not realistic to expect fast changes to your credit.

Is Credit Saint legit?
Credit Saint is legit and is a company you can trust. They have been in business for more than a decade. The 90-day Money-back Guarantee may even prove their confidence in their work. You'll also get access to an online portal for tracking changes and updates. Learn more about how to verify a credit repair company.

Now that you know who they are and who they are not, here are some pros and cons with Credit Saint. These may help you decide if you should opt for their service.

Credit Saint Pros

Why should you go for Credit Saint? Here are a few reasons:

  • 90-Day Money-back Guarantee
    Although Credit Saint does not promise an increase in credit score, this guarantee may help ease your mind. The company can delete inaccurate items from your credit reports within 90 days. If you don't see such changes or deletions within that timeframe, you can request a full refund.

  • Free credit consultation
    Credit Saint offers new users a free consultation. Access the free consultation by signing up with Credit Saint.

  • Free first work fee for additional sign-ups
    Sign up another family member in your household, and you won't need to pay another initial working fee. Pay only the package fee for the other family members in your online account on top of yours.

  • Cancel anytime without fees
    Do you feel that Credit Saint is not the company for you? Cancel your package anytime without worries. But keep in mind that canceling or not paying for the first 90 days of the program voids the 90-Day Money-back Guarantee.

Credit Saint Cons

Next, let's talk about the downsides of going for Credit Saint.

Here are reasons why it may not be for you:

  • High initial working fees
    Credit Saint has expensive initial working fees. For Credit Saint's Clean Slate, its initial working fee costs more than its monthly fee.

    For comparison, Sky Blue Credit costs $79.00. The first work fee costs the same amount as the package. In addition, Sky Blue Credit only charges the review or setup fee on the sixth day. Then it'll cost $79 for the first month.[2]

    Want to find out the true cost of credit repair?
    Each company has its payment structure which may include different fees or charges. Read more about the costs of credit repair.

  • Non-refundable fees for paid active cycle
    Credit Saint cannot refund you for an active cycle. Once the 90-Day Money-back Guarantee passes and there are removals in your report, you can no longer ask for refunds.

    Credit Saint can't prorate paid fees in your active cycle. You can wait until your cycle ends and cancel your package.

  • Credit Saint is not available in all U.S. locations
    Unfortunately, Credit Saint is not available in all states. Access the Credit Saint directory to find their nearest office.

  • No mobile app
    Credit Saint does not have support for mobile applications. Other credit repair companies, such as Dovly and The Credit Pros, have Android and iOS apps.

What features of a credit builder are most important to you?

Credit Saint Accreditation

Credit Saint is one of the most reputable credit repair companies. It has been in business for over 15 years. And it has consistently received 5 stars from various agencies. The company even has an A rating from the Better Business Bureau.

What is the Better Business Bureau?
The Better Business Bureau (BBB) is a private organization that helps consumers access marketplace and business information. BBB is not a government agency. Rather, it rates, reviews, and accredits local businesses. BBB has a database of 5.4 million business profiles across Canada, USA, and Mexico.

Credit Saint Customer Reviews

Credit Saint has an average rating of 4.8 out of 5 stars on Google (over 8,500 reviews). The most common feedback praises Credit Saint's customer service and credit counselors.

Many customers point out how patient, polite, and sympathetic Credit Saint was to their financial situations.

From a Google Review: "Mrs. Vicky was AMAZING. She talked me throughout the whole process. She treated me like I was a person and was not pushy about a sale. She focused on my issues that I wanted to have fixed. I would recommend this company to anyone. I did my background check of credit repair companies and Credit Saint has an impeccable reputation. Thank you, Mrs. Vicky, you did an outstanding job." - Michael Touchet, 2023

Maybe you've been convinced by this praise or the pros of Credit Saint. Here's how to move forward with them.

How to Open a Credit Saint Account

Credit Saint has a simple sign-up process. Register for a service level by going to the Get Started page. Fill out your basic information, choose a package, and add your payment method before hitting the FINISH tab.

Don't worry about putting in your sensitive information online. Credit Saint takes security and privacy seriously. The company encrypts and protects information. It also maintains high security standards on its website.

How to Contact Credit Saint

Credit Saint has several contact details and social media accounts. Keep in touch with Credit Saint through:

Phone: 877-637-2673
Email: support@creditsaint.com
Official social media accounts: Facebook, Twitter, LinkedIn
Address: Credit Saint, LLC, PO Box 110, Oakland, NJ 07436

Well, what if you're moved by the cons instead? Let's talk about some alternatives.

Credit Saint Alternatives

You are not limited to Credit Saint. You may even find more than one credit repair company in your area. Let's compare Credit Saint to other top credit repair companies in the U.S.

Credit Saint vs. Sky Blue Credit

Sky Blue Credit has been in the industry since 1989. This credit repair company operates like Credit Saint. Sky Blue Credit will verify and dispute negative items affecting your credit score.

The difference is, Sky Blue offers to bring faster results. Most credit repair companies operate on a 45- to 60-day dispute cycle. Sky Blue Credit delivers a 35-day dispute cycle. This means there is a better chance Sky Blue Credit can remove your negative items in less time.

Credit Saint vs. The Credit Pros

The Credit Pros has been in business for over 12 years and offers credit repair and monitoring services. Just like Credit Saint, it offers you a 90-day money-back guarantee if there are no changes in your credit report.

The Credit Pros offers three packages, its cheapest plan is more affordable than Credit Saint's basic plan. However, this plan is more of a financial management tool and provides only credit monitoring rather than a credit repair service.

IS SIGNING UP FOR CREDIT SAINT WORTH IT?

Credit Saint is not the most affordable service for credit repair. And there are other budget-friendly services out there.

Although, it has received many positive reviews from its previous clients. So, if budget is not an issue, go for it.

The company knows what they are doing, and they have outstanding feedback on its customer service. It may just be the key to enhancing your credit in the next few months.

Credit Saint FAQs

Is Credit Saint a real company?
Yes, Credit Saint is a real company that has been offering credit repair services since 2004 and has helped over 200,000 clients. It is accredited by the Better Business Bureau with an average of 4.36 out of 5-star rating from customers.[3]

How much does Credit Saint charge?
Credit Saint costs around $79.99 to $139.99 every month for the credit repair service. Plus, you need to pay a first work fee ranging $99.00 to $195.00 before Credit Saint charges your monthly fee.

What service does Credit Saint offer?
Credit Saint offers credit repair services to dispute negative items on your credit reports. You can choose from three packages: Credit Polish, Credit Remodel, and Clean Slate. And they cost $79.99 to $129.99 monthly, with first work fees of $99.00 to $195.00.

Does Credit Saint remove inquiries?
Credit Saint offers Inquiry Targeting to help identify and remove fraudulent or unauthorized inquiries to your credit. However, legitimate inquiries will remain in your credit report and Credit Saint cannot remove them.

Can I cancel Credit Saint at any time?
Yes, you can cancel Credit Saint at any time paying for cancellation fees or charges. You can call Credit Saint at 877-637-2673 to request for cancellation. However, note that Credit Saint cannot pro-rate payments and you are not entitled to refunds.

References

  1. ^ Credit Saint. Packages, Retrieved 6/30/2023
  2. ^ Sky Blue Credit. Member Pricing, Retrieved 6/30/2023
  3. ^ Better Business Bureau.Credit Saint, LLC, Retrieved 12/22/2023
Lexington Law

Free Online Credit Assessment

  • Free Credit Score
  • Free Credit Report Summary
  • Free Credit Recommendation
  • 5 Minutes to Check Your Credit
Sky Blue Credit

Get Started on Your Credit Repair

  • No charges for the first 6 days
  • 90-day guarantee
  • 45-day dispute cycle
  • Cancel service anytime
The Credit Pros

Get a Free Consultation Today

  • Plans start at $69/month and $119 first work fee
  • 90 day money back guarantee
  • Cancel service anytime
  • Free Credit Monitoring
Kovo

Build Credit & Earn Rewards

  • No credit check
  • Instant approval
  • 0% APR / $0 fees

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