Credit Saint

Credit Saint Reviews

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
  • 3 levels of service
  • Deals with every type of negative item
  • 90-day money-back guarantee
Cons
  • Doesn't dispute with creditors
  • High fees

Featured Reviews

La, CA
Verified purchase
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
Verified purchase
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.

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.

How does Credit Saint work?

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

» RELATED: What affects your credit score?

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 $109.99 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. Clean Slate: $195 first work fee, then $139.99 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.

FAQ

Where is Credit Saint available?

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?

Yes, 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 Jan. 21, 2025

    My experience was great. Laurie was very professional and friendly. She was knowledgeable and allowed us to ask questions and provided details answers, which gave me the confidence that I was dealing with the right company. I like the fact that I was able to receive the emails on how to get the portal started, so I didn't have to call back with any questions. I am hopeful for the results to come.

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      Verified purchase
      Staff

      Reviewed Jan. 16, 2025

      I don't recall the name of the representative. I really felt like she took the time to coach me on how I can improve my credit, and how realistic it is for my credit to improve after Credit Saint challenges the negative items on my credit report. I like that she also told me what I should do after my credit is repaired to make sure negative items stay off my credit report. By setting up consolidation loans.

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      Verified purchase
      Sales & MarketingStaff

      Reviewed Jan. 11, 2025

      This was an overall very good experience, my personal rep, who will be the one to handle my account from start to finish which I appreciate, was very detailed and helpful with all the information I needed and she would need to help fix my credit asap. She recommended a credit card to help my credit score which I applied and was approved for immediately and she didn’t come across as pushy or trying to sell me anything I don’t need. She was honest and straightforward and I look forward to the results so I can get the lending I need for the townhouse I want.

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      Verified purchase
      Staff

      Reviewed Jan. 10, 2025

      I never thought I’d be using a service like this but he made me feel comfortable and eased my apprehensions. George was phenomenal. He provided a thorough explanation and great service. The ease of doing business was like nothing I’ve dealt with before. Would highly recommend their services. They gave me peace of mind after being blindsided by a mistake. Would definitely use them again and would highly recommend their services to anyone. I am not being paid to say this and I am a very busy person, but wanted people to know.

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      Verified purchase
      Customer ServiceStaff

      Reviewed March 1, 2024

      I had some issues with my credit and decided to give Credit Saint a try. I'm happy I did. It's not an overnight cure and I'm trying to be patient. Customer service is very good. Marsha was great, very professional and incredibly knowledgeable. She put me at ease and was very easy to talk to about an uncomfortable topic. Well, my credit repair journey just began! Wish I can see my improvement in 45 days and I’ll keep updating my experience!

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      Reviewed Feb. 6, 2025

      I wouldn't recommend this company to anyone. I spent twelve months and a lot of money with them, and in that time, they challenged nine items on my credit report—yet not a single one was removed. If I could rate this company zero stars, I would. The five-star reviews are likely from people who just signed up, and naturally, they'll praise the service to attract business. The real results only become clear after months of using their service.

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      Staff

      Reviewed Feb. 4, 2025

      DON'T USE THEM!!! They take your money then ghost you! They tell you that they work close with their clients to help get you credit back on track. Started in December. Now in February I have not seen any progress on my credit report nor have I heard from them. I call and their message talks about "due to Covid..." Covid ended a few years ago. if anyone has a better credit repair company please hit me up and let me know. I'm done with them and have since blocked their transactions from my card. Already got me for 3 months.

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      Credit Saint
      Response from Credit Saint

      Hi Dan,

      You seem to have not logged into your account page since your first cycle results were received. The last time you logged in was too soon to see any results, but there is good news to be shared. While we are closed, a manager just dialed you and received your voicemail. We reopen at 9am and a manager will try you again tomorrow. We are looking forward to reviewing your updates with you.

      Verified purchase
      Customer ServiceStaff

      Reviewed Jan. 31, 2025

      Representative was very nice, transparent and understanding. The representative was very attentive, clear when speaking and explaining the process and expectations of Credit Saint. I had a lot of questions that did not get answered when I signed up online, once I called in even everything was resolved and answered.

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      Verified purchase

      Reviewed Jan. 19, 2025

      I made a right decision to hire Credit Saint. You do your math. From 585 to 789!! I was hesitant at first, but as I see credit saint can remove the things I don’t see on my credit report, I really thought I made the right decision. They informed me every month with the progress of my report. They’re on top of everything. Excellent customer service.

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      Verified purchase

      Reviewed Jan. 18, 2025

      Yes is fast and easy and good payment plans to help you fix your credit fast, I would recommend more people to this page, very helpful and they would let you know all your information of all your credit that went to the collections. If y'all need help this is the right place to start from.

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      Credit Saint Company Information

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