Credit Saint 2024 Review
Credit Saint Overview
Since 2004, Credit Saint and their team of experienced credit experts have assisted tens of thousands of clients with professional credit repair services. Our Credit Saint review will break down how their services can help you.
Credit Saint distinguishes itself from the rest of the competition with an industry leading 90-day 100% money back guarantee. If no negative credit report items are able to be removed within 90 days, you'll receive a full refund. After receiving your 100% free credit evaluation, you are paired directly with a dedicated credit team that develops a personalized credit improvement plan to build positive credit history while also removing negative items.
Depending on your specific situation, Credit Saint offers multiple credit repair plans tailored to fit your need and all at different rates. Pricing starts at a very reasonable $79.99/month (with the Credit Polish plan), which is the lowest monthly cost program out of the top credit repair companies we reviewed.
Credit Saint Pros & Cons
Credit Saint offers a valuable service, helping consumers fix their credit scores. However, it’s important to understand the drawbacks as well.
Credit Saint Pros
- Fast, legal, and effective credit repair: The vast majority of Credit Saint clients (over 95%) see positive credit changes in the first 45 days (although each individual's case is unique).
- Open 7 days a week until midnight EST: Credit Saint's credit consultants are standing by 7 days a week to help consumers with 100% free no-obligation credit evaluations.
- Industry leading 90-day money back guarantee: If there are no removals, you are eligible for Credit Saint's 90-day 100% money back guarantee. Refunds are limited to payments made for 90 days of service. For example, if you have been enrolled in service for 150 days with no changes to your credit history, the refund is limited to 90 days. Also, all cancellations are prorated, so you can cancel anytime and only pay for the days you received service.
- Top industry accreditations: Credit Saint has been accredited by the BBB with an A+ since 2007, which is an exceptional and rare feat in the credit repair industry.
- Wide range of removals: Credit Saint has transparent policies and assistance in the removal of erroneous items from your credit reports, including charge-offs, collections, judgments, late payments, bankruptcies, inquiries, foreclosures, and identity theft.
- Flexible cancellation policy: You can cancel anytime without added fees.
- 24/7 availability: Credit Saint's specialists are available 24 hours a day through email or online chat, and you can check your progress through Credit Saint's online dashboard whenever you would like.
- One specialized team of consultants: Clients have the same team of credit experts available for help through the credit repair process.
- Multiple plans to fit your needs: Credit Saint offers three plans tailored to your need for credit assistance. Depending on your situation, your monthly payments could start as low as $79.99.
- Credit Saint keeps in touch regularly: Your assigned Credit Saint credit expert personally calls you at least once a month to make sure you are closely updated throughout your credit repair process.
Credit Saint Cons
- The initial work fee (ranging from $99 to $195) is higher than or comparable to most other credit repair companies. However, Credit Saint's monthly service prices (especially the $79.99/month Polish plan) are lower than most of their closest competitors such as Lexington Law.
- Credit Saint's services are not available in 9 states (Georgia, Kansas, Louisiana, Ohio, Oregon, Minnesota, Mississippi, Missouri, and South Carolina).
How Does Credit Saint Work?
Credit Saint works by using a simple, three-step process.
During your free consultation, Credit Saint Credit Repair reviews your credit report and tries to identify the issues that are impacting your score. Based on what it finds, it can start coming up with a plan.
Once you sign up for the service, Credit Saint will:
- Create a credit monitoring account for you on CreditSquad.com. You can use this account to keep an eye on your credit report and see how your score improves over time.
- Review your credit history to identify incorrect information that is damaging your credit. The company can help you dispute these errors.
- Credit Saint will also identify the factors positively influencing your credit and come up with a plan for optimizing how you handle your bills and debts to boost your credit.
You can choose which of Credit Saint’s three levels of service you’d like to purchase. Every level of service uses this same process, but more expensive programs have additional features and provide better customer service.
Products Offered
Credit Saint focuses on credit repair services. It doesn’t offer any ancillary services like identity monitoring. The levels of service, and the services included are:
| Service | Cost | Features |
|---|---|---|
| Credit Polish | $99 initial work fee + $79.99 per month | Challenge 5 errors with all three bureaus per month, score analysis, creditor interventions, score tracking |
| Credit Remodel | $99 initial work fee + $99.99 per month | Challenge 10 errors with all three bureaus per month, score analysis, creditor interventions, score tracking, credit inquiry targeting |
| Clean Slate | $199 initial work fee + $119.99 per month | Unlimited challenges with all three bureaus, score analysis, creditor interventions, score tracking, credit inquiry targeting |
How to Enroll
Enrolling with Credit Saint is easy.
Before you get started, the company has a free consultation that you can take advantage of with no obligations. This gives you a chance to get a feel for the service and whether it’s a good fit for you.
If you decide to move forward, you can sign up on Credit Saint’s website. The sign up from includes five steps:
- Personal information
- Service level
- Payment
- Agreement and fine print
- Finish
While you’re signing up, you have the option to add another person in your household to the plan. They will have to pay an additional monthly fee but there is no first-work fee for a second person added to your plan, which can save you $99 to $119.99.
Terms & Requirements
There are no real requirements for people looking to sign up with Credit Saint. It’s not like you’re applying for a loan, so you don’t need good credit. In fact, Credit Saint is targeted at people with poor credit, so as long as you can afford to pay the fees, Credit Saint will work with you.
However, you should note that one of Credit Saint’s specialties is getting negative and incorrect information removed from your credit. If your credit doesn’t have many errors and your score is simply low due to a few recently-missed payments, Credit Saint may not be able to do much for you.
Credit Saint Past Customer Reviews
Credit Saint is great and I'm not just saying that lightly. I didn't have a lot of collection stuff, mostly late payments from the past, but they were able to clear one of my whole reports! Their customer support is always there to answer questions. - David, New Jersey
For Whom is Credit Saint Good?
Credit Saint is targeted at people who have damaged their credit either by having accounts sent to collections or by letting inaccurate and negative information pile up on their credit reports. Credit Saint can help you learn more about credit and keep an eye on your score. It can also help you get negative information removed from your report.
If you’re hoping to apply for a major loan in the next year or two, Credit Saint might be able to help you boost your score.
There’s little risk to trying the service thanks to its 90-day money back guarantee, so anyone who is interested can try it without risk.
Credit Saint Vs. Competition
Credit Saint is just one credit repair company on the market. If you’re looking to boost your credit score, you should shop around to find the best service. Here are some of the top alternatives:
Summary
Although their initial setup fees can be on the steep side, Credit Saint offers several comprehensive plans for credit repair that are priced competitively on a monthly pay as you go basis. Additionally, many clients stated that they were provided with credit report updates and communication in a timely manner.
Credit Saint's user reviews are exceptionally positive across the web, showing Credit Saint's commitment to providing quality credit assistance services to their clients.
Frequently Asked Questions
How does Credit Saint compare to its competitors?
Credit Saint has the #1 ranked money back guarantee in the credit repair industry. They provide customers with a no questions asked 90-day money back guarantee if there are no removals of negative items.
Although other credit repair companies offer a form of 24/7 availability to check your progress, Credit Saint promises their credit specialists are available to you through email or online chat at all times. Customers will also have communication with the same team of specialists throughout the entire process.
Credit Saint's initial setup costs of $99 to $195 are higher than their competitors, but their monthly billing packages (that start at a cost of $79.99/month) are $10-$60/month lower on average than the majority of other credit repair companies.
How does Credit Saint work to improve my credit?
Credit Saint examines your credit report to find inaccurate and unverifiable items and provides you with unlimited disputes on your behalf with the three credit bureaus. During this process, the bureaus may communicate with you so that you are updated on the process.
Credit Saint works in 45-day cycles. Once you receive new credit reports, which includes deleted items and pending disputes, you must forward the updated documents to Credit Saint within seven days through fax, email, or pictures submitted by your smartphone. The company uses that information to continue its work.
Is Credit Saint legit and a legal credit repair service?
Yes, Credit Saint is legit. It can help you improve your credit and follows all relevant legal requirements.
How will I know when progress is being made with Credit Saint?
Credit Saint provides you with an online account page to watch the progress. This includes a timeline, progress report, and credit analysis.
Is credit repair a guaranteed fix for my credit score?
Because of the CROA (Credit Repair Organizations Act), no credit repair company can legally guarantee the removal of bad credit.
However, Credit Saint provides quality education in how to build a balanced credit report as well as assisting with the removal of negative credit report items, generating a customized credit restoration plan to fit your individual situation.
What are Credit Saint's business hours?
From Monday to Friday, Credit Saint is open from 8 AM to 10 PM Central Standard Time.
They are open from 8 AM to 5 PM on both Saturdays and Sundays.
What is Credit Saint's address?
Credit Saint's offices are based out of New Jersey at 250 Pehle Ave #200, Saddle Brook, NJ 07663.
How much does Credit Saint cost per month?
Credit Saint’s fees depend on the level of service you choose. You can pay between $79.99 and $119.99 per month.
How much can Credit Saint raise your credit score?
Results vary from customer to customer. Generally, the worse your credit, the more room it has to increase when issues are removed from your report. Unfortunately, Credit Saint doesn’t publish details such as how much it raises the average customer’s score.
Reviews for Credit Saint
Why leave a review about the service here?
Your reviews are a valuable source of insight for us to improve our service as well as improve the offerings. All pros and cons submitted here are evaluated and are responded. We also share these insights with our partners so that they could improve their offerings as well.
User Rating
out of 5 stars
(36 Reviews)Rating Distribution
Post your review for Credit Saint
36 Credit Saint Consumer Reviews and Complaints
susan, on October 01, 2019
All credit repair companies are not the same. I worked with the "my credit group" long ago and it did not work. It was a meh experience and I was turned off from credit repair companies for a while. I then found myself in a situation where I had no choice, I had to change my credit report in order to move. My landlord had sold the house I lived in, and it was a situation you never want to find yourself in, bad credit and 6 months to leave. I found some mixed reviews for Credit Saint, they are not perfect. But compared to Lexington law and the rest of them, Credit Saint is way better. They offer a refund policy and they others don't. The girl who signed me up pointed it out. She said that all the companies know Credit Saint offers a 90 day money back guarantee, but they wont copy it. I liked her willingness to get "real" with me. fast forward 4 months. and my credit, tho not perfect is good enough to be shopping for modest house! Maybe it was a higher plan for me to be threatened with being homeless to end up with a home.
James K, on August 25, 2019
Using Credit Saint was one of the best financial decisions of my life. Not kidding. I had a business opportunity and I only had 60 days to get my report in order, or the property would be sold, and I was getting it way below actual value. I researched credit repair companies like crazy. I couldn't find fault with Credit Saint, and the paralegal I spoke to was more knowledgeable than the other salespeople I talked to at other companies. I know a little about the credit laws and tried to stump the young woman and I could not do it. She knew her stuff and would not go out of her way to make promises she couldn't keep. I used the Clean Slate program and 45 days into my 60-day window, I had credit scores that was approved with the lender (704, 718, 723) I even got a lower rate than expected!
Jonah Gant, on June 27, 2022
Called to cancel services because of lack of communication. The only contact that I have is when they are in need of a payment. Yes they do offer a online portal but as I stated to them, I am older and and that I prefer more of a hands-on communication experience. The Retention department did call me back after I was told that my service was being canceled (Monday, but to possibly get a refund that I would have to wait until Friday for them to listen to my recorded calls back from March 23rd 2022 when I spoke with a representative named Shawn to get a refund. I will see if they are a company of their word and and update my review on Friday June 1st 2022.
Ronald Taylor, on May 08, 2022
Credit Saints does get some things off your accounts but the problem with them, they will also get removed the accounts that is reporting a positive credit, which will drop your score and remove all the positive reporting history that went with it. Unless you specifically tell them what to remove, they will mess your credit up. After 90 days, if nothing is removed, then move on. They will try to convince you to stay by telling you they will try a different approach this time or send different wordings that was different the first 90 days. This is a lie. 90 days tops, nothing happens then move on.
Hudson, on March 09, 2020
I'm a paralegal by trade and I know the law, I do mostly real estate closings so credit law itself is not my forte. But I do know legal research well. And I researched the agreements from the top "credit repair" companies. Credit Saint dollar for dollar does more work than the others, (items challenged vs. dollars paid) AND offers a 90-day money back guarantee AND is BBB A+ rated. Now I know what you are saying, you can pay the BBB for a rating, well turns out other credit repair companies don't have A+ ratings. I could only find 2 and the other one offered no refund policy.
Lynda Cole, on June 27, 2019
I have been with Credit Saint alittle over a year, and from the beginning they have been the best thing that has happened to my credit repair journey. I've tried other credit repair companies in the past with close to zero results over several months. Credit Saint has been a God send to me. The supervisor named Ryan is the absolute best, he motivates his team to work harder on each case to excel beyond belief!! My credit is pretty decent thanks again for all your help Ryan.. I would never consider using any other credit repair company, hands down Credit Saint all the way...
Martha, on July 20, 2019
I went from 84 pieces of damage to 41 in the first 3 months. I thought there was no hope of ever having good credit, but the rep I talked to made it sound like it was not the end of the world. I thought my report was the worst he'd seen, and he made me feel better. In the discussion he made me feel like so many people nowadays have credit problems and that I was not a bad person. We went through what had happened and he was thorough, and I never felt judged. By the end, I trusted that he would do everything he could. And they did make big changes fast.
janet stewart, on May 27, 2019
I have joined credit Saint yet. But I am considering this. I talked to a lot of credit repair companies. A lot of them don't go into details so it leaves a lot of questions unanswered. But when I talk to Jenna she explained everything to me. I asked a lot of questions and she answered them and she was very patient. By the time I got off the phone I understood her clearly what she was stating . If you need to talk to the a a sale rep, talk to Jenna on credit saint. Thank you Jenna for your patient
JB, on July 17, 2019
I signed up less than 3 months ago and they just called to tell me that Im done. Nothing left to that was bad in my credit. I asked about "buying tradelines" to try to boost my score. They told me absolutely not to do that. That I should get small secured cards that belong to me, so I own them and no one else can take them off my credit. I'll say this, Im a professional with an MBA and everytime I call CS they teach me something.
Sherill, on May 07, 2019
I needed help in clearing some damages on my credit reports. I did everything they asked me to do and gave them the time they needed to get those damages removed. Everything got removed successfully . I couldn't have done this myself. They know what they are doing and know just what needs to be done . You just have to trust them. They will work hard for you and their goal is your satisfaction. I give them a 5 star!
John H, on April 14, 2020
I’m still with Credit Saint, but after almost 9 months, they have only removed a small portion of what I have on my CR. I have Charge-offs as a result of a prior divorce and after reading reviews it looked like it would be rarely easy due to this stemming from divorce. Some late payments came off, but that’s it. Hoping good things are to come.
Aki, on September 10, 2019
My credit score was 523 , almost 3-4 month ago, I started to read the review of different credit repairs companies and finally I decided to go with Credit Saint , after 4 month my credit score jumped to 610, 614, and 638. I am so happy I chose the right repair company, thanks to Mr. Alexander and rest of the staffs
fay, on September 06, 2019
THey taught me a lot about credit that I didnt know. I called Lexington law first and this was a whole different vibe. I didn't feel like I was being sold anything. More like I was being told my options. I did sign up with them and they have a refund policy that others I called did not.
Yewente, on March 14, 2021
This was my first time dealing with a credit building company. This company did nothing for me while they took my 79.99. To people who read this. Make sure you don't go past your 90 days, afyer 90 days they will NOT refund your money past 90 days. Proceed with this company with caution
James T, on March 25, 2020
Crooked! Used the top plan they offered for 6 months on the advise of the phone representative. Saw no change in credit score. Over $1k wasted and no refund or money back guarantee as they advertise. Save your money and stay far way from these folks. Very shady business practice!
Tim, on October 28, 2019
Great company. Nice people. They took care off all my problems and when it was all fixed I called and Melilla took care of cancellation. No pressure to not cancel. There were happy that they helped me and didn’t need there services no more. Would recommend them to any one.
Eric H, on July 06, 2019
Credit Saint was remarkable!!! 50 point jump in my credit score within the 1st 30 days. They immediately suggested I pay the least monthly fee of $59, when I was ready to pay the max. Great company!!!! Thank you Credit Saint..!!! Eric H.
Gustavo Velasquez, on July 20, 2020
Excellent service, always responded to my calls and unfortunately in my case, my credit could not be improved but as they promised, they refunded my money totally. I would recommend Credit Saint without reservations.
Dee & Debra, on October 26, 2019
My husband and I want to thank every member of Credit Saints they have done a tremendous job in helping repair our credit. The staff is always professional and courteous. I would recommend this company.
Andy McQuiston, on July 23, 2020
Worst decision I ever made calling this group. They efficiently take your money, but are nearly impossible to reach by phone to get questions or issues dealt with. Expensive and lousy customer service.
Bethel McGarr, on June 04, 2019
This company is the best! They helped me so much! They were able to get my credit repaired and my credit score went up! I recommend them to anyone who needs help getting their credit repaired!
Peter L Pavlina, on December 14, 2019
Absolutely fantastic! I spoke to Joy on the phone and I was completely satisfied with her professionalism, experience, and warm personality. Thank you very much!!
Gene Schwartz, on December 04, 2020
Don't waste your money. Did absolutely nothing. Spoke to Alexsander who was great on the phone but was supposed to call me back on 11/17.. I'm still waiting.
Robert Bailey, on September 09, 2019
Camille was excellent she gave the best service She was clear on everything and she answered all my questions and made me feel she was working just for me
Marie, on June 22, 2019
A knock out. The credit bureaus know how to wear you down. Dont let them!! Credit saint got involved and my score started moving.......up.......finally.
JMonge, on June 05, 2019
divorce ruined my credit very much. Credit Saint was a big help in bringing my creidt score back up to where i can use credit again. thank you
tammy, on May 04, 2019
A good decision that actually made a difference in my life. A real turning point for me and my family. They really did a good job.
Jon, on June 05, 2020
Irvin was very helpful and thorough. Coming from someone who also works in customer service he provided great service. Thanks dawg
Don, on January 09, 2020
The team was responsive and did everything that I asked them to do. I had several things removed very quickly!! Great Company
Kosai Estowani, on January 22, 2020
4 months and 3 deletions. They could not make an impact at all. I don’t recommend them and I will never use them again.
Unpleased, on April 13, 2023
Very aggravating people to deal with about documents and they blame you for what their machine is doing
Mark Debra Ward, on October 10, 2019
Excellent service and follow up! Highly recommend using this company to repair your credit.
Keith, on May 23, 2019
I was done in less than 60 days. Recommend this company to everyone.
Eduardo, on December 29, 2019
Helping for my credit account
Hemingway, on September 20, 2019
He was out standing
Esteban, on October 19, 2020
About 5-days prior to my 90-day money-back guarantee, I was feeling discouraged and thinking that I would not get any results from Credit Saint. I called to initiate the account cancellation and money-back guarantee. My Client Care Specialist was very accommodating to let me know what documents I needed to prepare to process my refund. We made a plan to execute my refund. I had called back the following Monday, per the plan, to process my cancellation and refund. I had the pleasure of communicating with the same Client Care Specialist, who proceeded to pull my credit report to be sure there weren't any positive results of their work in the latest cycle. Low and behold, in the second cycle of disputes, their efforts provided fantastic results. In just two 45-day cycles, I saw several deletions from my account, including an inaccurate account that was causing a significant decrease in a single credit bureau report. I called a disappointed customer to cancel my account and process a refund, and walked away feeling confident I made a good choice to hire Credit Saints. Something very important to note for future customers, if you, like me, have a multi-pronged credit repair plan, be sure to collect and store all documentation of the results of your efforts. Credit Saint did not attempt to claim credit repair that was a result of my outside activities, but I did have to provide proof that a certain deletion was a result of my action, not theirs. The Client Care Specialist I worked with throughout this entire process was Farres. He was highly professional, patient and courteous on the phone. Over the course of two days and about three hours of phone calls, Farres dug into my account, answered all my questions, and helped me strategize taking into consideration what was best for my personal plan. Throughout the entire process, Farres never tried to sell me or try to convince me to do something against my interest. He presented the facts, provided assistance at every chance he could, and turned me into a very happy customer. He didn't ask me to rate his service or write a review. I was so pleased by his professionalism I asked him the best way to write a review of his service. I can confidently say that Credit Saint is the real deal and they are effective at credit repair. In the end, I didn't want to pay 3 months of services and spend several hours on the phone just to process a refund. Ultimately, I wanted an effective service provider at a reasonable price with good customer service. That's what I got, so I'm happy to continue paying for additional results.