Credit Saint

Credit Saint

Credit Saint

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Overall Rating4.9 out of 5
See all 429 reviews

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.

    Pros & Cons


    • 3 levels of service
    • Deals with every type of negative item
    • 90-day money-back guarantee


    • 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.

    Featured Reviews

    La, CA

    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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    St Louis, MO

    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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    Page 1 Reviews 0 - 5
    Verified purchase
    Customer ServiceStaff

    Reviewed Sept. 13, 2023

    My first impressions of Credit Saint is very good. This professional organization does an excellent job of marketing their services. Each representative is consistent in sharing a positive, upbeat, realistic perspective on their business and services. Communication is great, for they do a good job of listening. Each representative I encountered were patience, effective and kind. They created a comfort level for me and honest about what they do. This was my first call and since then I’ve received calls from three people looking to help me. The experience was great.

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      Verified purchase

      Reviewed Aug. 29, 2023

      Good mannerism and friendly, very knowledgeable and reassuring. Gave me a good sense of the work that will be done. I believe that Credit Saint are really going to help me rebuild my credit and my life. This would help my finance slump and help me get back out there with confidence and a sense of I can do anything. Thank you for your help. Hope you do a great job with this so I can move to the next chapter of my life.

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      Verified purchase

      Reviewed Aug. 28, 2023

      I was feeling joyful and stress free, speaking to someone who felt what I was going through. Thank you. I've been in a pretty hard situation lately. I finally made a decision to get my debt handled. So I made a call to Credit Saint. And now I'm working on getting my credit back moving in the right direction. I feel excited about making a decision on this company helping me with my problems. Thank you.

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      Reviewed 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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      Verified purchase
      Customer ServiceStaff

      Reviewed 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.

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      Verified purchase

      Reviewed Aug. 21, 2023

      My experience with Jim my consultant was great. He explained and made things really simple to join. I will definitely tell other people about this company and my experience. I’m hoping that in this process that I will have another chance to live with no shame and live a good credit life. Thanks. Joe

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      Customer ServiceOnline & AppStaff

      Reviewed Aug. 20, 2023

      Service was great! Contact was made almost immediately after inquiring on the website. I called in and George helped me through the whole process, explaining everything along the way. He answered all my questions and made me feel confident I made the right decision. Stuff like this is nerve wrecking and I had no idea where to start, but talking to him put me at ease.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Aug. 17, 2023

      Liberty was so friendly and helpful! She explained everything thoroughly and made sure I knew all decisions were my call to make. She let me know all my options right off the bat and helped me take the best course of action. I will definitely recommend this program to all friends and family in hopes that everyone is as helpful as this lady.

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      Verified purchase

      Reviewed Aug. 12, 2023

      Extremely professional and productive person. Excellent service. They really were thorough in the review of credit file. The information was well received and I appreciate the care. Joe was very thoughtful and informative. This was recommended to me and they are veteran friendly. Please thank him for being so diligent. I look forward to seeing positive results from this partnership.

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      Verified purchase

      Reviewed Aug. 8, 2023

      I spoke with Joe from Conway SC about repairing my credit, and he is an extremely kind and professional guy! He even got me a coupon saving me 15$! He stayed and walked Me through the process when I was having difficulty. Great company, I look forward to seeing my credit grow after they have done their work! :)

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