Credit Saint Credit Repair Review

Our experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

Credit reporting errors can damage your FICO score and make it harder to qualify for a loan. If inaccurate information is hurting your financial profile, Credit Saint can help. Operating nationwide, Credit Saint disputes credit reporting errors and engages with creditors on behalf of its customers to make sure inaccurate information is removed.

The company offers a conditional money-back guarantee and competitive pricing, earning it a largely positive reputation and putting it in competition with the best credit repair services. Read on to learn more and find out whether Credit Saint suits your needs.

Credit Saint Overview

Credit Saint is a credit repair company based in New Jersey. Operating since 2004, the company claims to have helped over 200,000 clients worldwide, and boasts of offering the most comprehensive service in the industry. While Credit Saint has an office in Saddle Brook, New Jersey, it offers service nationwide.

Credit Saint has three different packages with monthly fees ranging from $79.99 to $119.99 and one-time setup fees of $99 or $195. You can pause or cancel your membership at any time with no additional charge, and Credit Saint offers a conditional money back guarantee after the first 90 days. 

Feedback from Credit Saint customers is generally positive, though there are several persistent complaints. The company has ratings of 3.6 and 4.1 stars out of five on its Trustpilot and Better Business Bureau profiles, respectively, with just over 100 reviews posted on each. Many of those reviews are four or five stars, but over 20% of reviews on both platforms are just one star.

The largest volume of customer feedback is on Google, where Credit Saint averages 4.8 stars out of five based on over 9,000 reviews. While those reviews are attached to the listing for Credit Saint’s New Jersey office, they are submitted by users nationwide. The most common complaints against Credit Saint are a lack of results (which is a frequent complaint against all credit repair companies) and difficulty exercising the money back guarantee.

Unlike some of its competitors who have been sued by federal regulators for illegal billing practices and other infractions, Credit Saint has managed to stay out of legal trouble.

Credit Saint Plans

Credit Saint offers three service packages at different price points. The most basic (and least expensive) is the Credit Polish Package, which includes challenges to all three credit bureaus and a credit score tracker. The Credit Polish Package has a $79.99 monthly fee, as well as a one-time $99 setup fee, also called a first work fee.

The intermediate Credit Polish Package offers the same bureau challenges and score tracker that you get with the Credit Polish package, and adds credit score analysis. The Credit Remodel package has a $99.99 monthly fee, as well as the same $99 setup fee.

The top-tier Clean Slate Package adds creditor intervention letters and inquiry targeting to top of the benefits you get from the Credit Remodel package. Credit Saint recommends this package for customers with public records like repossessions, bankruptcies and foreclosures. The Clean Slate package has a $119.99 monthly fee, as well as a higher $195 initial working fee. 

Credit Saint Features

Services offered by Credit Saint have a lot in common with what you’ll get from other credit repair companies. Here are some of the highlights:

• Challenges to the three credit bureaus — Credit Saint can help you dispute inaccuracies like late payments, duplicate accounts, or typos that appear on your credit report. Credit Saint uses handwritten, customized disputes instead of generic online templates. While you can challenge this information yourself, consider enlisting the help of a credit repair agency if you’re not confident you can deal with it on your own.
• Score Tracker — At the end of each 45-day dispute cycle, Credit Saint will give you a snapshot of your credit score from all three major credit bureaus. Tracking your score gives you a sense of whether your credit repair efforts are bearing fruit, but you can check your credit score for free with or without a credit repair service.
• Score Analysis — In addition to your credit score, Credit Saint provides a breakdown of your credit utilization, payment history, and other factors that impact your credit. This more detailed information can similarly help you track progress and identify aspects of your credit report with potential for improvement. However, Credit Saint provides the information without suggesting what to do with it, and like your credit score, you can get this information elsewhere for free.
• Credit intervention letters — When a creditor reaffirms information you dispute with the credit bureau, Credit Saint can escalate the situation and engage with the creditor directly. Credit Saint may also intervene on your behalf to limit the impact of accurate derogatory marks on your credit report (by negotiating repayment, for example).
• Inquiry Targeting — Credit Saint can help you remove false or fraudulent credit inquiries from your credit report. However, legitimate inquiries can not be removed.
• Daily member support — Credit Saint offers customer support by phone (877-637-2673) seven days a week. Support hours are Monday through Friday 9:00 am to 10:00 pm EST, Saturday 10:00 am to 8:00 pm, and Sunday 12:00 pm to 8:00 pm.
• Credit education — The Credit Saint website offers a blog with a handful of articles about credit repair and other personal finance topics. This content is available at no charge whether or not you enroll. However, the blog appears to be defunct, as no new content has been published in over two years.

While many credit repair companies package identity theft protection with their other services, Credit Saint does not. However, you can get quality that services elsewhere inexpensively or at no cost, so the omission from Credit Saint shouldn’t be a major factor when deciding whether to enroll.

How Much Does Credit Saint Cost?

Credit Saint offers three credit repair packages with monthly fees of $79.99, $99.99 and $119.99. Each package also incurs an initial working fee of either $99 for the first two packages or $195 for the third package. Credit Saint’s monthly fees are close to average for the credit repair industry, with some companies charging more and some charging less for comparable service. The initial working fees are on the high end; you can add a single family member living in your household without paying a second initial working fee, but you’ll both be on the hook for monthly fees.

Credit Saint offers a 90-day money back guarantee, but it comes with several key stipulations. Foremost among them, you’re only eligible for a refund after participating in the program for the full 90 days; canceling or failing to pay before that mark voids the guarantee. Additionally, the guarantee only applies if you don’t see any questionable items deleted from your credit in the first 90 days, and can’t be exercised beyond the 120-day mark. Other terms apply, so don’t rely on the guarantee without reading them.

Aside from the 90-day guarantee, you can cancel your membership immediately at any time with no penalty or additional charge.

How to Sign Up For Credit Saint

Before you enlist the help of a credit repair service, get copies of your credit report from each of the three major credit bureaus. While these reports are normally available at no cost once per year, you can request them weekly through the end of 2023.

With your credit reports in hand, you can check for inaccuracies that you want to dispute, such as misreported late payments, duplicate accounts, typos and more. You can address errors directly with the credit bureaus or pass them along to a credit repair service if you can’t (or don’t want to) do it yourself. However, keep in mind that you can only challenge information that’s inaccurate, unfair or unverified. Accurate data can’t be wiped out just because it hurts your credit score and you want it gone.

Should you choose to proceed with Credit Saint, you can sign up by clicking the “Get Started” link on their website. You’ll then need to provide personal and billing information, and agree to the terms of service. Credit Saint clearly indicates during the signup process when your setup fee and first recurring fee will be charged.

How Credit Saint Compares to Competitors

In many respects, Credit Saint is nearly on par with its competitors, including those ranked among our top credit repair companies.

Credit Saint’s monthly fees are comparable to other credit repair companies, but its initial working fees are relatively high, exceeding the monthly fee for two of Credit Saint’s three packages. That said, they aren’t Unless you’re signing up with a second family member in your home (for whom the initial working fee is waived), that additional cost may justify looking elsewhere.

The company’s positive reviews on Google indicate a high rate of customer satisfaction. However, the frequency of complaints about the money back guarantee combined with its restrictive terms are concerning. If that guarantee encourages you to sign up, make sure you read the fine print beforehand.

Credit Saint Credit Repair FAQ