Credit Saint Reviews

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Edited by: Jon Bortin

About Credit Saint

The professional advisors at Credit Saint create plans that help 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 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.

Pros
  • Three levels of service
  • Deals with every type of negative item
  • 90-day money-back guarantee
Cons
  • High service fees

Helpful Reviews

Clarksville, TN
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After years with a fraudulent charge on my account I’m finally hopeful the situation might be resolved! John was helpful and friendly and offered a clear explanation of what to ex...

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The Bronx, NY
Verified purchase
I was working with a company to improve my credit for months, which they did not do anything. There name is irrelevant. Then I found Credit Saint. At the time I started working wi...

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What 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. It claims 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.

Credit Saint 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.

» COMPARE: Best credit repair companies

How does Credit Saint work?

To start working with Credit Saint, you’ll need to go through a free credit evaluation. Its 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 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.

First work feeMonthly feeService
Credit Polish$99$79.99Moderately aggressive service targeting some of the most common types of negative entries, including late payments, charge-offs, collection reports and inaccurate entries caused by identity theft
Credit Removal$99$109.99More aggressive service that includes escalated information requests, making it ideal for people with repossessions or bankruptcy items on their credit reports
Clean Slate$195$139.99Most aggressive plan dealing with any item on your credit report, including judgments

Credit Saint includes a 90-day money-back guarantee, and clients can cancel service at any time.

FAQ

Where is Credit Saint available?
  • Credit Saint operates in 45 states. It does not offer credit repair services in Maine, Washington, D.C., Oregon, Mississippi or 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.

» LEARN: Credit repair vs. counseling

How much does Credit Saint cost?

Depending on the plan, Credit Saint’s first work fee ranges from $99 to $195, with monthly fees between $79.99 and $139.99.

How long does Credit Saint take?

The timeline varies by individual, but Credit Saint states you may see items removed within 90 days. If no items are removed in that time, you're eligible for a full refund under its money-back guarantee.

Does Credit Saint have a money-back guarantee?

Yes, Credit Saint offers a 90-day money-back guarantee. If you don’t see questionable items removed from your credit report within 90 days of starting the credit repair process, you’re eligible for a full refund.

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.

How do Credit Saint plans differ?

The main differences between Credit Saint's plans are the level of aggressiveness, the types of negative items targeted and the monthly cost. All plans are designed around credit dispute support, but customers with more complex issues, such as repossessions, bankruptcies or judgments, may need a higher service tier.

  • Credit Polish: $79.99 per month ($99 set up fee)
  • Credit Remodel: $109.99 per month ($99 set up fee)
  • Clean Slate: $139.99 per month ($195 set up fee)

Because service includes both an initial fee and monthly charges, prospective customers should pay close attention to the billing terms before enrolling.

Still have questions?

Is Credit Saint legit?

Yes, Credit Saint is a legitimate credit repair company. Credit Saint is a strong choice for customers who need help raising their credit score. It boasts 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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    Page 1 Reviews 0 - 10
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    Customer ServiceRefunds & PayoutsMaintenanceStaffTransparencyFollow-Through

    Reviewed May 25, 2026

    Paid for 5 months. Minimal results. Promised refund never delivered. I enrolled with Credit Saint hoping to improve my credit profile. After five months of paying monthly fees, fewer than six accounts had been removed — a result far below any reasonable expectation for the time and money invested. When I called two months ago to express my frustration, their representative encouraged me to stay with the service and assured me things would improve. I decided to give them more time. Last week, I called again to cancel. At that point, their representative acknowledged I was still within the window to receive a refund and told me a manager would call me back to process it. That call never came. Instead, I received an email shortly after notifying me that my account had been cancelled — with no refund, no follow-up, and no explanation.

    This is not just poor service — it's a broken promise. I was kept as a paying customer with false encouragement, and when I finally requested what I was told I was entitled to, the company went silent and cancelled my account without honoring their word. If you are considering Credit Saint, document every call, get every promise in writing, and do not rely on verbal commitments. I learned this the hard way.

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      Staff

      Reviewed May 21, 2026

      Santana could not have been more helpful or polite to me, he made my stressed experience so much easier. And his patience with me was so very appreciated and helpful. A very good employee who deserves a raise to keep him with you

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      Refunds & PayoutsStaffHonesty & Transparency

      Reviewed May 7, 2026

      I have intensity then and paid them to help me get it removed. They took all my money, now I have barely enough to eat. They don’t do anything and don’t honor the money-back guarantee. Terrible, they say they will get the job done or money back guarantee. This is a lie. Don't use!!

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      Customer ServiceContract & TermsSales & MarketingPunctuality & SpeedRefunds & PayoutsBillingLoan ProcessHonesty & Transparency

      Reviewed April 27, 2026

      Credit Saint - Credit Squad. They are both the same company. While they boast and market for credit repair, they are doing bare minimum. You can not repair credit by getting a $50-100 loan documented on the credit report through Credit Squad. Credit Saint sends copy paste takedown concepts. The credit companies do NOT need to address those investigations and they have to come from the consumer themselves. Credit Saint is not a legal firm and can not act on your behalf in that manner. Thus, misrepresenting their ability to assist on many matters. Most people imagine that they can just remove whatever, when they can't.

      After the 90 days and Several hundred dollars later, nothing will happen. But if your "regular" billing cycles are positive (without Credit Saint involvement) and there is any slight increase through your own actions, Credit Saint will take credit for it and then claim their services are working and refuse to refund anything. All together, the company misrepresents and baits people in, who don't know any better about this system. Then gives the lowest tier assistance while collecting the higher than normal fees for basic services people can do for free.

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      Sales & MarketingPriceRefunds & PayoutsStaffHonesty & Transparency

      Reviewed March 10, 2026

      This company sucks. They strung me along and offered a discount so they didn't have to offer a refund per their terms. If you want to waste me on empty promises. Sign up now. They lie; they don't do anything to help. I paid over 600 dollars for absolute garbage.

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      Credit Saint
      Response from Credit Saint

      We are deeply concerned about your experience and impression of us. We have made multiple attempts to reach you without success. Please call in and ask for a Manager, we will take excellent care of you

      Customer ServiceStaff

      Reviewed March 6, 2026

      I spoke with Darwin and he was so patient and understanding. He provided additional support in helping me to make my decision. He is very knowledgeable in his profession and knows his products! I appreciate his excellent customer service skills! Thanks so much! Ms. **.

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      Customer ServiceContract & TermsSales & MarketingPriceRefunds & PayoutsStaffBillingCommunication

      Reviewed Dec. 3, 2025

      I signed up with this company and when they were taking my credit card payment, the website said there was 1 month where I would not be charged but instead took it directly out of my account! They basically charged me for nothing! When I called to ask for a refund, the agent was rude and said that the fee charge was in paperwork that I was never notified about or sent! I cancelled service immediately and would never work with this company. I’m out of $192 for nothing and I will be putting in a complaint with the better business bureau! What a scam!!

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      Credit Saint
      Response from Credit Saint

      We are deeply concerned about your experience and impression of us. We have made multiple attempts to reach you without success. Please call in and ask for a Manager, we will take excellent care of you

      Profile pic of the author.
      Staff

      Reviewed Dec. 3, 2025

      I am a new customer to Credit Saints and never leave reviews, probably less than three in my lifetime. At 63 an agent out of Arizona nicknamed Oz walked me completely through this as I'm extremely skeptical of anything on the internet yet-completely secure in my conversation I did elect the middle of the road policy and just got to give this Agent credit for being extremely professional and patient as anything to do with the internet. I'm quite the dinosaur but this gentleman without being pushy sold me and look forward to leaving a good review of my results and do trust that these folks know their business, just got to give props to that agent out of Arizona, very clear, thank you

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      StaffRates

      Reviewed Nov. 22, 2025

      The person who I spoke with on November 22nd was very professional and understood about my experience with my debts, he was very courteous and concerns about my well-being and where he thinks Credit Saint will take me from here. Looking at Credit Saint online It was a (5) Five star consumer rating.

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      PriceStaff

      Reviewed Nov. 17, 2025

      I was working with a company to improve my credit for months, which they did not do anything. There name is irrelevant. Then I found Credit Saint. At the time I started working with them, my score was in the 500 up. Within four months my score is 747. I love how professional and detail they are. I have spoken to many employees there, but Chuck was amazing and so detail on educating me to know what to do on improving may credit. I am extremely happy I found them and will say everyone situation is different, but is worth looking into them and seeing for yourself what they can do for you.

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      Credit Saint Company Information

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      Company Name:
      Credit Saint
      Website:
      www.creditsaint.com