About Credit Saint
Are you interested in restoring your credit? The professional advisors at Credit Saint can create a plan that helps you build positive credit. Its program works in 45-day cycles in which you receive credit reports that inform you of negative items that have been removed from your credit report. The program is backed up by Credit Saint's 90-day money-back guarantee, and you can expect a full refund if you don’t see negative items removed in the first 90 days.
Overall Satisfaction Rating
- 5 stars
- 4 stars
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- 1 stars
Pros
- 3 levels of service
- Deals with every type of negative item
- 90-day money-back guarantee
Cons
- Doesn't dispute with creditors
- High fees
Bottom Line
Credit Saint offers credit repair services, education and personalized restoration plans with a 90-day money-back guarantee.
Top Credit Saint Reviews
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They took the time to really teach me a lot on the initial phone call. What is actually damage and what is not. I like that she told me the truth rather than use a scare tactic. I...
Read full reviewTonight we ate Chinese food on the floor of an apartment we could not get 6 months ago. It was the best food we ever ate in a place of our own. Finally. We were living with family...
Read full reviewWhat is Credit Saint?
Credit Saint provides professional credit repair services that help you restore your credit by removing inaccurate, misleading or biased entries that lower your credit score. The company has more than 15 years of experience and offers personalized restoration plans based on your needs. Credit Saint also provides educational resources to help you maintain your credit score after it has been repaired.
The company also gives you access to an online account page that lets you track your credit repair progress. The page includes a timeline, progress report and credit analysis.
How does Credit Saint work?
Start your credit repair journey with Credit Saint’s free credit evaluation. The company's certified credit specialists work with you to challenge inaccurate or negative items on your credit report, including:
- Late payments
- Identity theft
- Charge-offs
- Collections
- Bankruptcies
- Liens
- Repossessions
- Judgments
Credit Saint's specialists use their industry experience to create custom arguments for each challenge, which is the most effective strategy when attempting to have negative entries removed from your credit report. Removing negative entries typically results in an increased credit score, which helps you get approved for mortgages, receive better APRs on credit cards and qualify for auto loans.
How much does Credit Saint cost?
Credit Saint offers three different levels of service at varying price points. Each level of service is designed to tackle specific aspects of credit repair.
- Credit Polish: $99 first work fee, then $79.99 per month. This moderately aggressive service targets some of the most common types of negative entries, including late payments, charge-offs, collection reports and inaccurate entries caused by identity theft.
- Credit Remodel: $99 first work fee, then $99.99 per month. This is a more aggressive service that includes escalated information requests, making it ideal for people with repossessions or bankruptcy items on their credit reports.
- Credit Premium: $195 first work fee, then $119.99 per month. Credit Saint’s most aggressive plan deals with any item on your credit report, including judgments.
The company includes a 90-day money back guarantee, and clients can cancel service at any time.
Credit Saint FAQ
Where does Credit Saint do business?
Credit Saint does business in 45 states. It does not offer credit repair services in Washington, D.C. or the following states:
- Kansas
- Maine
- Mississippi
- Oregon
- South Carolina
How will Credit Saint improve my credit?
Credit Saint improves your credit by assigning your case to a personal advisory team that works to remove negative or inaccurate items from your credit report. Your advisory team stays in contact with you throughout the entire process, keeping you updated while counseling you on how to build a stronger credit history.
Does Credit Saint have a money-back guarantee?
Yes, because of Credit Saint’s 90-day money-back guarantee, you’re eligible for a full refund if you don’t see questionable items removed from your credit report within 90 days of starting the credit repair process.
Is Credit Saint a legal credit repair service?
Yes, Credit Saint is a legal credit repair service that offers three different levels of credit repair services.
What are Credit Saint’s hours?
Credit Saint is open seven days a week and offers 24/7 online chat and email service.
Is Credit Saint legit?
Credit Saint is a strong choice for customers who need help raising their credit score. The company has more than 15 years of credit restoration experience and offers different levels of service to suit a variety of needs. Credit Saint also helps you maintain your credit score once it has been repaired. If you’re struggling with a low credit score because of negative items on your credit report, check out Credit Saint’s website for more information on its comprehensive credit services.
Credit Saint Reviews
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I just got off the phone with a lovely woman named Marcia (or Marsha... Sorry if you're reading this, but I don't know how you spelled that). She was very clear--and blissfully, she didn't race through everything she said like so many younger customer service peeps do... My ears can't keep up). Back to review: Marsha asked me some preliminary questions after which she indicated that I may not be talking to the best company for me, however, she did 2 soft credit reviews--even informed me of the ability for consumers to pull credit every days, as a result of the Covid fallout, which was really news to me--and then told me what she saw. I was not a good candidate for the services that Credit Saint provided, however, because the real problem (I thought was bad credit) turned out to be just about Zippo like a kid!.
But more importantly, she spelled out just how to go about step-by-step building up credit and how to do it correctly. Now THAT woman is a saint in my books. I'm going to follow her advice to sign up for a secured credit card and then follow up with BlueSkycc to see if I can get approved for a non-secure credit card to start establishing credit. She also said to make sure that my credit hovered around the 30% mark--not go hogwild and start charging everything and then only making minimum payments! So, see? This is NOT a scam as others have indicated--and I am sorry they were not pleased with their service--but I sure was.
If this was a scam, I would know...not because I'm terribly bright, but because I would have been signing up for something and making recorded "yes, I agree" statements. I can only speak for myself, obviously, but I am very happy with the services I received, and even more happy to know that I'm not plagued by bad credit... I just don't have any Thank you, Miss Marcia (or Marsha).
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I am very impressed with the representative Vicky. She was absolutely wonderful and made me feel very comfortable going through this process of signing up and releasing sensitive credit information. I was so embarrassed initially and didn't want her to judge me. She did the absolute different. She made me feel at ease and that she has seem much worse than mine. I am so happy to have had her as my customer service representative. Thanks Vicky!
I called Credit Saint just for some general information. Before I knew it I was talking to an amazing professional by the name of TERRELL that was cool, calm and collected. Hey lead me on a journey that I will never forget - a journey to success, clean credit and to clean up some mistakes that I’ve made: I’m so thankful for what this gentleman did for me. He was so calm, so cool, so collected, so confident I immediately signed up for your very best aggressive package because of his guidance and direction. You need more people like him. He was not overconfident. He was not trying to sell me something that didn’t make sense. He was perfect. I loved him. Thank you TERRELL. I’m so glad I joined Credit Saint.
Wonderful and informative service. The representative that took care of me was Martha. She was warm and engaging from the start. She was very knowledgeable and helped me understand the items on my report. She didn’t try to sell me the highest package and suggested the one that would best fit my needs. I signed up for that package. I am confident that Credit Saint will help me and I am actually looking forward to working with them.
It was very easy to set up my account, very professional, accurate information, and thorough. I hope to have my problem taken care of, I think I’m in good hands now. They have a 90 day money back guarantee. I see there being no issue since I have the correct documents to follow my claim. I have been trying to dispute this for almost two years but now it’s in their hands and not my stress.
After much thought I decided to give Credit Saint a call to help repair my credit. I have only just begun but the onboarding was very easy and helpful. I was not promised any results per federal and state laws, but I am very confident that credit saint will be able to help me. I would recommend them to anyone.
Thank you so much. Jim help with me so much especially I've had two strokes and sometimes it's hard to understand what they're talking about but with him he was right there with me and I thank you so much.
Courteous, thoughtful and very helpful. She was very patient and careful to detail. Did not rush and welcomed my questions and feed back. I will recommend this service based on my experience initially with her. She embodies professionalism and displayed knowledge of the company and credit bureau process. I am happy with my decision to hire Credit Saint.
Have a good report on my credit score today. She was very helpful and very nice to meet her. She told me that they will be doing everything possible for my credit score so I don’t have to worry about it.
COVID made the last couple years difficult and I’m trying to clean up the mess and when I spoke to Joe at Credit Saint he listened to me specific situation and set me on path to put bad credit behind me. Thank you!
Credit Saint Company Information
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- Credit Saint
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