Credit Saint Review: Pros, Cons, & Features Compared

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    If you’ve faced challenges with past credit issues and are constantly hassled by collection companies, Credit Saint’s credit repair and monitoring packages are helpful. The company specializes in directly contacting credit bureaus to dispute inaccuracies on your credit report and works to have them removed.

    In this article, we’ve thoroughly reviewed Credit Saint, exploring the pros, cons, and the various features it offers. Continue reading to learn more about how they can assist in improving your credit score.

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    What is Credit Saint?

    Credit Saint is a credit repair service tailored for individuals looking to improve their credit scores by addressing errors or disputing inaccuracies that negatively impact their rating.

    The company employs experienced representatives who manage each credit score case personally. They diligently review credit reports to identify and challenge negative items, such as inaccurate or unverifiable information.

    Customers can track all progress and receive credit analysis reports through Credit Saint’s online portal, allowing for real-time monitoring of the process. Additionally, if no changes are made to a customer’s credit report within the 90-day money-back guarantee period, a full refund is available.

    Credit Saint Overview

    Screenshot of Credit Saint

    Based in New Jersey and operational since 2004, Credit Saint is a credit repair company that claims to have assisted over 200,000 clients globally, touting itself as offering the most comprehensive service in the industry. While the company operates out of an office in Saddle Brook, New Jersey, its services are available nationwide.

    Credit Saint offers three different packages, with monthly fees ranging from $79.99 to $119.99, along with one-time setup fees of either $99 or $195. Memberships can be paused or canceled at any time without additional charges, and there’s a conditional money-back guarantee provided after the first 90 days.

    Customer feedback for Credit Saint is largely positive, but there are several consistent complaints. The company holds ratings of 3.6 and 4.1 out of five stars on Trustpilot and the Better Business Bureau (BBB) respectively, with just over 100 reviews on each platform. While many reviews are four or five stars, more than 20% of the reviews on both platforms are one star.

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    Credit Saint Features

    Credit Saint Features

    Credit Saint offers services similar to other credit repair companies but with some distinctive features. Here’s a breakdown of what they offer:

    • Challenges to the Three Credit Bureaus — Credit Saint assists in disputing inaccuracies like late payments, duplicate accounts, or typos on your credit reports. Credit Saint crafts handwritten, personalized disputes, unlike many services that use generic templates. While handling these disputes independently is possible, using a professional service like Credit Saint can be beneficial if you feel unsure about tackling the process independently.
    • Score Tracker — After each 45-day dispute cycle, Credit Saint provides a snapshot of your credit score from the three major credit bureaus. This tracking helps gauge the effectiveness of your credit repair activities. However, it’s worth noting that you can also check your credit score for free independently.
    • Score Analysis — Along with your credit score, Credit Saint offers a detailed analysis of factors such as credit utilization and payment history that influence your score. This service can help you monitor progress and pinpoint opportunities for improvement, although you can access similar information for free elsewhere.
    • Credit Intervention Letters — Credit Saint can escalate the issue by directly engaging with the creditor if a creditor confirms disputed information. They may also negotiate on your behalf to mitigate the impact of accurate derogatory marks on your report.
    • Inquiry Targeting — Credit Saint assists in removing false or fraudulent inquiries from your credit report. Note legitimate inquiries cannot be removed.
    • Daily Member Support — Credit Saint provides customer support via phone seven days a week, with extended hours on weekdays and weekends.
    • Credit Education — Their website features a blog with articles on credit repair and personal finance, accessible for free whether or not you’re a client. However, the blog has not been updated in over two years, which might limit the usefulness and relevance of the information.

    While many credit repair services include identity theft protection, Credit Saint does not. However, given the availability of quality identity protection services at low or no cost, this shouldn’t be a significant deterrent if you’re considering Credit Saint’s services.

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    Credit Saint Pros and Cons


    • Custom services led by experts
    • More than 15 years of credit repair industry experience
    • 24/7 access to Credit Saint’s progress on the online account page
    • Customer service is available by phone call
    • 90-day money-back guarantee
    • Educational content and guidance for future credit success


    • No guarantee you’ll see improvements to your credit score
    • Changes to your credit report, if any, may not be instantaneous
    • It’s not a free service; it includes a first work fee and a monthly fee
    • The initial working fee can cost up to $195

    How Much Does Credit Saint Cost?

    Credit Saint offers three credit repair packages priced at $79.99, $99.99, and $119.99 monthly. Each package includes an initial working fee, $99 for the first two packages and $195 for the third. These monthly fees are roughly average for the credit repair industry, with some companies charging more and others less for similar services. 

    However, the initial fees are higher. Importantly, you can add a family member from the same household to your plan without an additional initial fee, though monthly fees will apply to both members.

    Credit Saint’s 90-day money-back guarantee comes with specific conditions. To qualify for a refund, you must remain in the program for 90 days; canceling or not fulfilling payment obligations before this period voids the guarantee. 

    Moreover, the guarantee only applies if no questionable items are deleted from your credit report within the first 90 days and cannot be claimed after 120 days. Be sure to understand all the terms before relying on this guarantee. Additionally, you can cancel your membership at any time without penalty or extra charges.

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    What Credit Saint offers

    • Free credit evaluation – A specialist will evaluate your individual credit situation to determine the best next steps in your credit repair plan.
    • Credit restoration and repair – Credit Saint employees send disputes to bureaus and/or creditors, challenging any credit reporting errors.
    • Personalized service – Disputes are personalized according to the individual’s credit history. If a customer signs up for the highest-tier package but has fewer challenges on their credit report than the package calls for, a representative will downgrade this customer to the appropriate tier.
    • Money-back guarantee – Credit Saint offers a refund if there are no changes in your report within 90 days.
    • Online portal – Customers can track changes to their reports and credit scores on their online accounts. Note that representatives are also available by phone to answer any questions.
    • Educational resources – The company offers free educational content to help you understand your score and how to continue improving your credit.

    What Credit Saint doesn’t offer

    • Removal of accurate information – As is standard with any legitimate credit restoration service, Credit Saint can only remove inaccurate information from a credit report. If the negative items in your history are correct, using a credit repair service is not recommended to repair your bad credit. Steer clear of any company that promises to delete accurate negative information; it may be a scam.

    Credit Saint Plans

    Credit Saint Pricing

    Credit Saint provides three-tiered service packages, each designed to cater to different needs and budgets.

    The most basic option is the Credit Polish Package, which includes disputes with all three credit bureaus and a credit score tracker. This package is priced at a monthly fee of $79.99, with a one-time setup fee of $99, also referred to as the first work fee.

    The next level up is the Credit Remodel Package, which builds on the Credit Polish offering by adding credit score analysis to the existing bureau challenges and score tracker. This intermediate package is available for a monthly fee of $99.99, with the same $99 setup fee as the Credit Polish package.

    The highest tier offered is the Clean Slate Package, recommended for customers dealing with public records such as repossessions, bankruptcies, and foreclosures. 

    This package includes everything in the Credit Remodel package plus creditor intervention letters and inquiry targeting. The Clean Slate package costs $119.99 monthly and carries a higher initial working fee of $195.

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    How to Sign Up For Credit Saint?

    Before engaging a credit repair service like Credit Saint, obtaining copies of your credit report from each of the three major credit bureaus is essential. Normally, you’re entitled to one free report per year from each bureau, but until the end of 2023, you can request them weekly at no cost.

    Once you have your credit reports, review them carefully for any inaccuracies, such as misreported late payments, duplicate accounts, or typographical errors. You can dispute these items if they’re inaccurate, unfair, or unverified. 

    Remember, only incorrect information can be challenged; accurate but negative information cannot be removed simply because it’s detrimental to your credit score. If you decide to use Credit Saint’s services, you can initiate the process by visiting their website and clicking the “Get Started” link. 

    During the sign-up process, you must provide personal and billing information and accept their terms of service. Credit Saint will also inform you when your initial setup fee and the first monthly fee will be charged, clarifying the financial aspects.

    Credit Saint’s Credentials

    Every U.S. citizen has the right to challenge any inaccurate information on their credit report personally. You can start by obtaining a free copy of your credit report, check out our guide for detailed instructions. 

    Once you identify any errors, you must contact the specific credit bureau where the error is listed to file a dispute.

    The Consumer Finance Protection Bureau notes that since disputing inaccuracies is both a legal right and a free process, paying a company to manage credit repair for you isn’t strictly necessary. 

    However, the process can be cumbersome and time-consuming, especially for those with multiple errors in their report. In such cases, professional help from a credit repair service might be beneficial to navigate the complexities and alleviate the hassle.

    Licenses and registrations

    The credit repair industry does not have specific licenses or registrations. Credit Saint, LLC has been officially registered in New Jersey since 2004, but beyond this, it does not hold any specific licenses or registrations.

    Awards and certifications

    The credit repair and restoration industry does not offer any standardized awards or certifications across the board.

    Third-party ratings

    The credit repair and restoration sector does not have specific industry publications, and as a result, Credit Saint does not have ratings from such sources.

    Regulatory and legal actions

    Recent searches indicate that neither the Consumer Financial Protection Bureau (CFPB) nor the U.S. Securities and Exchange Commission (SEC) has published any information regarding regulatory or legal actions against Credit Saint.

    While we strive to provide accurate and current information about regulatory and legal actions, we acknowledge that this information may not be exhaustive or completely up-to-date. As such, we recommend conducting your own research to ensure you have the most accurate and recent information.

    >> Credit Saint: Your Path to Better Credit! >>

    Credit Saint’s Accessibility

    Credit Saint primarily offers its services through its website. Customers can also seek assistance via email, phone, or fax. It’s important to note that Credit Saint does not operate any in-person branches and does not offer a mobile app.


    Services are available to customers throughout most of the United States and its territories.

    States where Credit Saint is not available:

    • District of Columbia
    • Georgia
    • Kansas
    • Maine
    • Minnesota
    • Mississippi
    • Oregon
    • South Carolina

    Contact Information

    Customers interested in Credit Saint’s services can begin by filling out a form on their website to request a free credit consultation or to sign up for one of the three credit repair packages offered.

    Additionally, these services are accessible via the company’s chat feature located on the bottom right-hand side of its website or by calling Credit Saint directly at 1-877-637-2673.

    For email inquiries, Credit Saint can be reached at Customers also have the option to communicate via fax at 1-800-400-4679. Although Credit Saint maintains profiles on social media platforms such as Twitter and Facebook, these accounts are not regularly updated.

    User experience

    Credit Saint has received positive feedback across different review platforms for successfully removing inaccurate information from credit reports. However, there are recurring complaints about challenges in obtaining a full refund during the promised 90-day money-back guarantee period.

    Additionally, a common issue seen with credit repair companies, including Credit Saint, involves aggressive marketing tactics. Some individuals have reported receiving frequent sales calls from Credit Saint even after deciding not to use the company’s services.

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    Credit Saint Reviews: Is Credit Saint Legit?

    It seems there might be a mix-up in the description. Credit Saint is primarily known as a credit repair service, not as a gold dealer. They specialize in helping individuals manage and improve their credit scores by disputing inaccuracies on credit reports.

    If you’re looking for information or reviews related to their credit repair services, we can explore that further. If you’re referring to a different company for gold dealing, please specify, and we can look into reviews or information on that.

    It seems there might be a misunderstanding in the interpretation of the star rating. A rating of 3.3 out of 5 does not directly indicate that 70% of customers were happy with their experience. 

    You can also check your Credit Saint Reddit Reviews here.

    Alternatives To Credit Saint – Credit Saint Review – Best Credit Repair Company Overall, with a decade of experience in the industry, has facilitated 8.2 million removals since its founding. The company focuses on challenging discrepancies in customers’ credit reports with each credit bureau and requires creditors to verify any negative items they report. 

    Additionally, it offers ongoing credit monitoring to assist customers in achieving their financial goals. Prospective clients can choose from three different service packages, with a free consultation available to help determine the most suitable option for their needs. 

    Package prices range from $69.95 to $119.95, with a startup fee equal to the monthly fee for each chosen service. A standout feature of’s offerings is that all packages include credit monitoring, a benefit not universally provided by all credit repair services.

    Read our full Review

    >> Get Started With >>

    The Credit People – Most Aggressive Timeline

    The Credit People distinguishes itself from competitors by starting work on your credit immediately and often delivering results within just 60 days, in contrast to the vague timelines offered by others. 

    Additionally, they provide your credit scores and reports right after you sign up, ensuring you have a clear understanding of your initial credit status. This initial report serves as a baseline to help you track your improvement over time.

    Read our full The Credit People  Review

    >> Get Started With The Credit People >>

    Lexington Law – Best Credit Repair Company for Transparency

    Lexington Law has been a prominent name in the credit repair industry for over 15 years, renowned for its mission to ethically and effectively assist consumers with credit repair. The company provides three distinct service packages designed to help clients build their credit and achieve their financial objectives.

    Lexington Law focuses on four key areas to enhance customers’ credit: analyzing credit reports, disputing inaccuracies, escalating unresolved disputes, and monitoring credit scores and analysis.

    Customers can benefit from the absence of a setup fee at Lexington Law, with package prices starting at $95.95. Veterans and active military personnel are eligible for a 50% discount on the first-work fee. Additionally, Lexington Law offers a family or household discount, giving a one-time 50% discount to a customer’s spouse when both sign up for services together.

    Read: Lexington Law Review

    >> Get Started With Lexington Law >>

    Credit Saint Review – Frequently Asked Questions

    Bottom line – Credit Saint Review 

    Credit Saint stands out with features designed to improve your credit, such as personalized disputes for incorrect or questionable entries on your credit history and tools that analyze and track your credit score improvements. These capabilities place it on our list of top credit repair companies.

    While Credit Saint doesn’t offer a mobile app and could provide more discounts for family members, its money-back guarantee and high rating with the Better Business Bureau affirm its commitment to fulfilling its promises to most customers who enroll.

    Dealing with inaccuracies in your credit history that drag down your score can be particularly aggravating, especially after putting in the effort to manage your finances well. 

    Moreover, these errors can be costly, affecting the interest rates and loan terms for which you qualify, essentially causing you to lose money due to poor credit. If you’re battling with a low credit score, trying out Credit Saint might be a worthwhile option.

    >> Credit Saint: Your Path to Better Credit! >>