Credit Saint
AUTHORIZED PARTNER

Credit Saint

 4.9/5 (136 ratings)
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Credit Saint

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
    • 3 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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    Rated with 5 stars
    Verified

    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...

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    Rated with 5 stars
    Verified

    Tonight 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...

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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. 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.

    1. 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.
    2. 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.
    3. 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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    How do I know I can trust these reviews about Credit Saint?
    How do I know I can trust these reviews about Credit Saint?
    • 4,150,603 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    For more information about reviews on ConsumerAffairs.com please visit our FAQ.

    Page 1 Reviews 0 - 5
    Rated with 5 stars
    Verified Reviewer
    Original review: Nov. 15, 2022

    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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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: July 12, 2022

      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.

      6 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Feb. 18, 2022

      It was very informative and helpful, I feel better already. I’m very pleased and happy with the help I got on the phone. They were very professional and made it easy to understand what it is I was dealing with. I look forward to them helping me now and in the future to get my life back on track. I’m very happy, pleased with the results and I look forward to more info as time goes by to be able to get the life back I need in order to gain control of my credit again.

      3 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Feb. 17, 2022

      Received a call minutes after I contacted Credit Saint and found that their employee Ethan was so so incredibly helpful and didn't push anything on me. He answered all questions and really just sold me with how transparent about everything he was! I ended up purchasing a plan because he was able to work with my payment date and I couldn't be more grateful. I was extremely impressed with how smooth everything went and how well he broke everything down into layman terms for me over the phone and he also answered general credit related questions. Great representation of the company and I look forward to all the help they have to offer!

      2 people found this review helpful
      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: Jan. 26, 2022

      The interview was very in-depth as expected. While there was no pressure for an up-sale, their top of the line program was offered as the best choice. Recognizing and discussing my goals was the first important step! However, be prepared to have answers regarding dates and any life events that may have precluded you making or why you may have missed a payment in your history. Again, very in-depth…we’ll see what the first 90 days offers. Speaking of 90 days, the money back guarantee has some narrow stipulations, and the key is not your satisfaction, but their ability to have something, anything, regardless of how minor or insignificant and/or even if the change doesn’t change your score, a change is…a change! So, be prepared to pay for at least 3-6 mos and good luck! (I’ll update in 3 mos if there is any positive movement.)

      6 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Nov. 18, 2022

      Consultant did a good job on mapping out my goals for my credit. I would recommend giving this company a call if you need your credit repaired. I look forward to working with them. Everything was explained and properly accessed. Thanks Credit Saint.

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Nov. 16, 2022

      I am satisfied with the Assistance I received. I usually don’t understand companies and get overwhelmed but, they explained it very understandable. I appreciate the time and effort. It was a quick and easy process. I’m looking forward to working with the company! Thank you!

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Oct. 3, 2022

      Because I had a bad experience with another company I was hesitant with proceeding with this company but the assistant that helped me with all the information I needed (Liberty) did a great job making me feel comfortable with your services.

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Sept. 26, 2022

      I would Love to tell you my experience with Credit Saint, it was good the person I spoke with. Seemed to really care and was making sure I understood all that she was doing, and answered any questions that I had. I can honestly say at the end of our conversation I really felt good about how my credit would be handled, I hope to see good things in the future pertaining to my Credit.

      2 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Sept. 21, 2022

      Consuela was extremely helpful in my situation. She didn’t push any product and was very surprised and pleased that I had done my research on Credit Saint. She was patient and answered all my question and would definitely recommend her a go to for the company.

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      Credit Saint
      Website:
      www.creditsaint.com