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.

Visit www.creditsaint.com
Pros
  • Three levels of service
  • Deals with every type of negative item
  • 90-day money-back guarantee
Cons
  • Not available nationwide
  • Early cancellation voids guarantee

Helpful Reviews

Clarksville, TN
Verified purchase
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. To qualify for the guarantee, you must stay active in the program for 90 days, submit identification documents within the first five days and avoid disputing items on your own or working with another credit repair company during that period.

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.

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 - 36
    Verified purchase
    Staff

    Reviewed July 8, 2026

    I was talking to a lady named Daniella. She was really sweet and patient with me as I asked her so many questions on credit that I didn't know. I definitely would recommend this to friends and family. Thanks daniella.

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      Verified purchase
      Staff

      Reviewed June 8, 2026

      Evelyn the initial point of contact. Was very patient and certainly knowledgeable. I was very lucky to have run into her. I had no intention to purchase anything only to scout and get information. But Ms Evelyn was so pleasant, I decided to go ahead with her.

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      Verified purchase
      Customer ServiceStaff

      Reviewed June 5, 2026

      She was wonderful, polite and I adore the way she handle my conversation. Helped me with everything. Anyone else ask for her. She’s the best. She has a very sweet voice and know how to speak to a person. Those are the kind of people we need on the phone and relax the person and I helped them.

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      Verified purchase
      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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      Richard increased rating by 2 stars.
      Punctuality & SpeedBillingTransparency
      After a positive interaction with Credit Saint, Richard increased their star rating.

      Reviewed July 2, 2026

      Updated on 07/05/2026: They reached out to me and said 90 days on the house, let's just hope something gets done.

      Original Review: I hired y'all on February. The second I've got no value for the money that I've given you, nor have. I got anything removed everything time. I contact y'all. It's always wait till next billing cycle or we're in the middle of a dispute or something to keep me around for another month or so. I've had y'all for now, 5 months with no effort shown for it. I feel like I've been ripped off.

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      Sales & MarketingHonesty & Transparency

      Reviewed June 11, 2026

      Please stay away from this co., they are inept and liars, but they talk nicely? Concerned? That's why I gave a 1-star, otherwise, HORRIBLE, took my $600 plus and gave me a BIG plate of BS, yes, it's my fault (for trusting), my fault (for believing), honestly, they are absolutely worthless, do not use them, it's almost like fraud and scam, or it is? Don't pay them your hard earned money to find out.

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      Profile pic of the author.
      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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      Verified purchase
      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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      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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      Profile pic of the author.
      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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      Verified purchase
      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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      Verified purchase
      Sales & MarketingStaffHonesty & Transparency

      Reviewed Oct. 13, 2025

      She was very kind, took her time to listen to my situation and offered assistance. I felt she was honest and I could trust that this isn't a scam. She thoroughly explained how credit repair works. I'm hopeful that my situation will improve and things will get better.

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      Verified purchase
      PriceStaffTransparency

      Reviewed Oct. 13, 2025

      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 expect going forward and the services provided as well as what to expect moving forward.

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      Verified purchase
      CoveragePunctuality & SpeedMaintenanceStaff

      Reviewed Oct. 11, 2025

      First of all, my experience that I have today is was a fantastic. I hope to who concern this help me to fix the credit score for me. That way we can keep working together. I’m excited to see how fast things can work to fix my credit with you guys and keep working.

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      Verified purchase
      Contract & TermsStaff

      Reviewed Oct. 11, 2025

      Super helpful. Was answering all my questions and made me excited to get my credit fixed! We talked about all my options and we were able to come into an agreement about how I should progress forward. Very informative. He was also very nice and understanding of my situation.

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      Verified purchase
      Staff

      Reviewed Oct. 11, 2025

      Very informative at precise. Everything was explained in great detail and I understood everything. The service advisor was great at her job and made me feel comfortable and made all of my decisions easy. I would definitely recommend more people to her.

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      Verified purchase
      Staff

      Reviewed Oct. 11, 2025

      Jamal great guy. Help out the whole and made me feel safe when giving information and step by step how it’s going to help me rebuild my credit. I would recommend my family and Friends to do business with Credit Saint in the future if need. Thank you guys.

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      Verified purchase
      Customer ServiceCoverageStaff

      Reviewed Oct. 11, 2025

      I have been searching for a good credit repair service that could repair my credit score and Credit Saint has done a great job with my credit situation and I have shared my experience with all my family and friends. They can help you if you call asaps.

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      Verified purchase
      Sales & MarketingStaff

      Reviewed Oct. 11, 2025

      Steph was very professional and empathetic to my situation. She was very knowledgeable about their services and took time to review my credit history and offer solutions along with educating me on credit matters. She was authentic, even went on to share her past credit issues. Steph was so kind and understanding. She did not pressure me or come across as salesy.

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      Verified purchase
      CoverageStaff

      Reviewed Oct. 10, 2025

      Ellie and Daniella was very helpful to my service. I’m very thankful and grateful for them for all that they are doing for me so that I can have a great and amazing life by fixing my credit for something that I had nothing to do with it. I just wanna say thank you very much. I really appreciated much. MAHALO AND ALOHA.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Oct. 10, 2025

      Super informative and made me feel very good about rebuilding. I highly recommend this company to rebuild your credit!! Now I finally feel like I will be in good standing with my credit, I cannot wait to see the progress made using Credit Saint! Thank you so much!

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      Verified purchase
      Staff

      Reviewed Oct. 10, 2025

      Vickie was great dealing with a Tough cookie like myself. She was knowledgeable, light hearted and understanding with my issues over Covid. I felt a bit of relief that Vickie is a real person with real empathetic feelings for her customers. I am looking forward to a win-win resolution

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      Verified purchase
      Staff

      Reviewed Oct. 9, 2025

      Lynn was amazing! Such a pleasure to deal with and she really seems to care about the people she’s helping. It was a great intro into the company. If everyone is this great, then I can’t imagine having anything bad to say 😊. I will definitely be recommending Credit Saint to friends and family.

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      Verified purchase
      Staff

      Reviewed Oct. 9, 2025

      Donna was absolutely amazing and helpful for the entire experience. She answered questions and was very supportive. She gave me all my options and explained each one to me. She was very upbeat and made engaging delightful. Would definitely recommend her.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Oct. 9, 2025

      Konroy provided excellent customer service. He was so patient and helped me get on the best plan for my credit repair. Highly recommend this company. I had hard inquiries they took care of. I was referred through my friend, who also fixed his credit due to this great company.

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      Verified purchase
      Staff

      Reviewed Oct. 9, 2025

      Very professional and courteous. I don't think anyone gets here on a winning streak and they were very understanding. He explained everything in detail I had questions about. Fluent English. I felt like I definitely made the right decision going with Credit Saint. I would highly recommend them to anyone trying to get their credit in better condition.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Oct. 9, 2025

      My husband and I have been here before. Today we need more help to be continue to be clients. Very very good customer service. We are looking forward to send more clients to your company. We are very happy for your help today. Thank you for your support.

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      Verified purchase
      Customer ServiceStaffTransparencyFollow-Through

      Reviewed Oct. 8, 2025

      The whole credit saint team was outstanding. Since day one they were transparent with their polices and procedures and I have to admit they followed through with everything they promised me. The few times I called in to ask questions they were courteous, professional and on point.

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      Verified purchase
      Staff

      Reviewed Oct. 8, 2025

      I had experience speaking to Andrew. He did a great job explaining different things to me. I definitely would not mind speaking again and would definitely tell others about how wonderful the experience was and how courteous they were, either their answers.

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      Profile pic of the author.
      Adam increased rating by 4 stars.
      Customer ServiceRefunds & PayoutsTransparency
      After a positive interaction with Credit Saint, Adam increased their star rating on Oct. 10, 2025.

      Updated review: Oct. 10, 2025

      Offered partial refund.

      Original Review: Oct. 8, 2025

      After 6 months of paying for services they were unable to remove the 1 issue I wanted removed. I didn't receive any dispute letters or reasons as to why the dispute was not settled. Also no updates on my case unless I called to check. No refund or partial refund offered. Very disappointed.

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      Verified purchase
      CoverageStaff

      Reviewed Oct. 8, 2025

      Credit Saint is a peace of mind in helping get back on track in reparing credit issues. Thank You, Andrew. For your guidance in helping me repair my credit. You were very helpful and patient in explaining the process. Much appreciated.

      .

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      Verified purchase
      Staff

      Reviewed Oct. 8, 2025

      My representative was patient with me. And recorded everything that I said this credit agency is thorough and I believe they can get the job done. And have my credit score back with in good standing with all three of the credit bureaus. They finish with my profile. I should be back in good standings with all creditors!

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      Verified purchase
      CoverageRefunds & PayoutsStaff

      Reviewed Oct. 8, 2025

      She did a great job going over everything and explaining it in great detail. I surely hope I can get to the point where I can fix my credit and move forward in life. The lady doing my interview was very nice and extremely understanding. Hopefully, the services I will pay for help me.

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      Verified purchase
      Staff

      Reviewed Oct. 8, 2025

      Great person and friendly and knows what he is talking about. He has knowledge and answers that I didn't have or know. Thank you for explaining and helping me out with my credit and understanding what's going on with everything that I am confused about

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      Verified purchase
      Customer ServiceStaffRates

      Reviewed Oct. 7, 2025

      Just wanted to thank everyone at the Credit Saint for working hard to protect and support us. I especially wanted to thank Rhonda and Steph here for going above and beyond providing excellent customer service and problem solving skills. I personally would Recommend this organization to anyone who is interested in cleaning up their past Credit issues.

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      Verified purchase
      Staff

      Reviewed Oct. 7, 2025

      Very knowledgeable representative. My experience with your representative Mr. Andrew was top notch. Andrew were very polite, very attentive and helped me to understand Credit Saint policy. He took his time and explained everything and knew his information extremely well. I feel I will be comfortable with this company preparing my credit back on point to my satisfaction. I would like to thank Mr. Andrew in advance for his time and patience with me.

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      Customer ServicePriceRefunds & PayoutsStaffResolutionHonesty & Transparency

      Reviewed Aug. 11, 2025

      My experience with Credit Saint hasn’t been good, I was told I was “black balled”. Only reason I could think of is because I was refunded my money, the reason I was refunded was because the company tried to tell me they removed items that was were removed before they even started working on my account. They made me send in documents to prove that which I did. Basically the managers that refunded my account put that I’m not allowed to sign back up with the company. The person who was in charge of customer service gave me a call apologized for everything and that I was told I couldn’t sign back up and said he would take care of it, he even offered me free month to see if they would be able to remove anything and if anything was removed and I was happy with service then I’ll continue service with them but they wasn’t able to remove anything at the time.

      A year pass by. I’m tried today to sign up and was told I’m not able to sign up. Spoke to a manager I won’t disclose her name who basically gave inaccurate information and lied multiple times on the phone, she didn’t try to help the situation as you would think a customer service manager would do, asked for the matter to be escalated to someone higher. She refused and says she’s the highest which was also another lie. She also stated that I’m also not able to sign up because she sees note that agents put I was not happy about a certain situations. I think I’m entitled to as it’s my reporting that’s being affected as long as I’m not disrespectful where she stated she doesn’t see anything that says I was.

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