Credit Saint Review for 2024


  • Highly rated credit restoration service
  • Work with a team of credit specialists
  • Comes with 90-day money-back guarantee
  • Plans start at $79.99 per month
  • A+ rating from the Better Business Bureau

Credit Saint is one of the best credit repair companies available if you need help rebuilding your credit and improving your financial situation.

With 17 years of experience, Credit Saint knows how to help consumers get their credit score back on track. That’s why Credit Saint reviews are mostly positive on the Better Business Bureau (BBB), Consumer Affairs, and Consumer Advocate.

But Credit Saint provides a lot more than just removing derogatory marks from your credit report. It’s a credit restoration service that helps you improve every aspect of your credit so that you can build a better financial future.

How can Credit Saint help you?

If you choose to work with Credit Saint, you’ll be assigned to a personal advisory team of credit specialists. Having an assigned team is a huge advantage because if you have questions or concerns, you always know whom to contact. This can give you additional peace of mind during the credit repair process.

Credit Saint offers three different packages, depending on the level of credit repair you need. Here is an overview of each service and what is included:

  • Credit Polish: This is Credit Saint’s most inexpensive plan, and it’s a suitable option for anyone with bad credit who is looking for a little help cleaning up their credit. You’ll gain access to an online portal and toll-free support.

    With this package, Credit Saint will challenge any late fees, identity thefts, charge-offs, and collections that are lingering on your report. You’ll pay a monthly fee of $79.99 for the service, as well as a one-time $99 fee.
  • Credit Remodel: This plan includes everything that comes with Credit Polish, but the company will be much more aggressive about getting negative items cleared from your report. You’ll receive toll-free support as well as escalated information requests.

    With this service, Credit Saint will also challenge bankruptcies and repossessions. This plan costs $99.99 per month and comes with a one-time $99 fee.
  • Clean Slate: Clean Slate is the most involved credit restoration service that Credit Saint offers. The plan costs $119.99 per month, and you’ll pay a one-time fee of $195. It comes with a dispute avalanche, escalated information requests, and toll-free customer service. Plus, the credit repair company will challenge the following items:
  • Late payments
  • Identity theft
  • Collections
  • Charge-offs
  • Bankruptcies
  • Judgments
  • Repossessions

First work fees are billed 6 days after you sign up.

Frequently Asked Questions About Credit Saint

Are you still on the fence about whether Credit Saint is the best option for you? Check out the following frequently asked questions about the service.

Do professional credit repair services like Credit Saint really work?

Many people are skeptical about credit repair services, and this is understandable. There are plenty of companies out there trying to scam you out of your money without providing the value promised.

But Credit Saint is legit. Credit Saint’s services really do work, and they’ve been helping customers improve their credit scores since 2004. The Credit Repair Organizations Act (CROA) is the law that governs the credit repair industry, and Credit Saint has been abiding by these strict credit laws for over 17 years.

What is the benefit of using a credit repair service?

A charge-off, late payment, or another negative mark can remain on your credit report for up to seven years. And while it’s entirely possible to file disputes with the three major credit bureaus and get these marks removed on your own, many people find this process to be challenging. A service like Credit Saint will do the heavy lifting for you.

How does Credit Saint improve your credit score?

The company will begin by performing an in-depth audit of your credit history. They’ll take note of any derogatory marks on your credit report and come up with a plan for how to make improvements.

And you’ll be involved throughout the entire credit restoration process. Credit Saint will update you every 45 days, and you can check your credit repair progress on your online account page whenever you want. The page includes a timeline, progress report, and credit analysis.

How long does the credit repair process take?

Credit Saint promises that your derogatory items will be removed within 90 days, but you could see results even sooner. Hopefully, you’ll start seeing results immediately, which will give your credit score a boost.

How much does Credit Saint cost?

Credit Saint comes with three different plans and prices:

  • Credit Polish Package: Comes with a one-time $99 first-work fee, then costs $79.99 per month
  • Credit Remodel Package: Comes with a one-time $99 first-work fee, then costs $99.99 per month
  • Clean Slate Package: Comes with a one-time $195 first-work fee, then costs $119.99 per month

Credit Saint’s monthly fees are comparable to other credit repair companies. However, they offer a much more comprehensive service. And with the 90-day money-back guarantee, if any derogatory marks are not removed from your credit report within 90 days, you’ll receive a full refund.

How do I sign up?

You’ll get started by signing up on the company’s website. You’ll click the “Get Started” tab on the company’s website and fill in your name, phone number, email address, and home address.

From there, you’ll select the service level you want to sign up for and enter your payment information. Once you sign the legal agreements, you’ll be good to go.

Does Credit Saint offer a guarantee?

Yes. As mentioned, Credit Saint offers a 90-day money-back guarantee, you have nothing to lose. If they are not able to remove any negative items from your credit report within 90 days of service, you can ask for a refund.

How can I get in touch with Credit Saint?

You can contact Credit Saint by visiting the company’s website or calling them for a free credit consultation at (855) 281-1510.

Can I cancel the service at any time?

Yes, when you sign up with Credit Saint, you aren’t bound to any type of long-term contract. If at any point you feel like you don’t need the company’s services anymore, you’re free to cancel.

Bottom Line

If a low credit score is dragging you down and causing financial problems for you, then you don’t have to passively wait for things to improve. By signing up with a credit restoration service like Credit Saint, you’ll be well on your way to reclaiming your financial future.

Make sure you have a clear plan for what you want to accomplish before signing up with a credit repair company. And there are other credit restoration services you can consider besides Credit Saint, so make sure you consider all of your options.

And keep in mind that a credit restoration service can only help so much. You’ll need to take steps to improve your financial habits if you want these positive changes to last.

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Meet the author

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