Credit Saint is a credit repair service ideal for those who need help improving bad credit by clearing up errors or disputing reporting mistakes that are negatively affecting their credit score.
Staffed by skilled representatives who handle credit score cases on an individual basis, Credit Saint works to scour credit reports for negative items such as inaccurate or unverifiable information.
All progress and credit analysis reports are available through Credit Saint’s online portal so customers can monitor the process in real time. If no changes to a customer’s report are made within the 90-day money-back guarantee period, customers can receive a full refund.
Credit Saint also offers educational content to help boost personal finance prowess so that you can continue on the path toward good credit.
Table of Contents
- Credit Saint’s Services
- Credit Repair Packages
- Credit Saint’s Credentials
- Credit Saint’s Accessibility
- Credit Saint’s customer Satisfaction
- Credit Saint FAQs
- Credit Saint vs. other credit repair companies
Credit Saint Credit Repair Services Overview
- 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
- Not a free service; includes a first work fee and a monthly fee
- Initial working fee can cost up to $195
Based in New Jersey, Credit Saint boasts more than 15 years of specializing in credit restoration for individual customers. The company is well-rated compared to credit repair industry competitors and holds a solid reputation supported by positive customer reviews and ratings from relevant websites.
Credit Saint’s Services
Credit Saint helps you dispute inaccuracies on your credit reports by contacting the three main credit bureaus (Experian, Equifax and TransUnion) on your behalf. The company may submit debt validation requests or letters pinpointing mistakes that the bureaus must correct.
When appropriate, the company may also send cease-and-desist letters to collection agencies requesting they stop contacting you. However, note that even if a debt collector no longer contacts you, that doesn't mean you're no longer responsible for the debt they were trying to collect.
Credit Saint’s disputes are supported by the Fair Credit Reporting Act (FCRA) and the Fair Debt Collections Practices Act (FDCPA). They request removing any incorrectly reported information, like unauthorized hard inquiries or late payments that were actually paid on-time. The company can also dispute repossessions, foreclosures and charge-offs that are seven years or older.
Credit Saint can also handle negative items stemming from identity theft, such as credit accounts opened by fraudsters in your name. And if a credit bureau rejects a dispute, Credit Saint may take additional steps, like sending new or extra documentation to support the initial dispute.
Credit Saint offers three credit repair packages with prices ranging between $79.99 and $119.99.
Credit Repair Packages
Credit Saint offers three distinct plans to choose from. Here’s an overview of what each plan includes:
|Plan Name||Services included||Pricing||Best For|
|Credit Polish||Score analysis, score tracker, credit monitoring, challenges for incorrect information||$99 setup fee, then $79.99 per month||Customers with fewer than 10 credit report items to challenge|
|Credit Remodel||Includes the same services plus inquiry targeting and up to 20 credit report disputes||$99 setup fee, then $99.99 per month||Customers with mid-tier credit remodeling needs|
|Clean Slate Package||Includes the same services but with unlimited disputes||$95 setup fee, then $119.99 per month||Customers with more than 20 potentially inaccurate items on their credit report|
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 employs 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 report and credit score on their online account. 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’s Credentials
Any U.S. citizen has the right to personally challenge inaccurate information that appears on their credit report. This can be done by accessing your credit report (read our guide on how to obtain a free copy of your credit report for more information). You must then contact the credit bureau under which an error appears to file a dispute.
According to the Consumer Finance Protection Bureau, because disputing inaccuracies is a legal and free process, paying a company to manage credit repair on your behalf isn’t necessary. However, credit repair can be a tedious process, and people with several mistake on their file might benefit from professional guidance.
Licenses and registrations
There are no licenses or registrations specific to the credit repair industry. Credit Saint, LLC has been officially registered as such in New Jersey since 2004 but otherwise holds no specific licenses or registrations.
Awards and certifications
The credit repair and restoration industry does not provide any industry-wide awards or certifications.
There are no industry publications related to credit repair and restoration, so Credit Saint does not hold any such ratings.
Regulatory and legal actions
Based on searches of recent media, neither the Consumer Financial Protection Bureau nor the U.S. Securities and Exchange Committee has published any information on regulatory or legal actions against Credit Saint.
Although we always try to include accurate and current information on regulatory and legal actions, we don’t claim this information is complete or fully up-to-date. As always, we recommend you do your own research as well.
Credit Saint’s Accessibility
Credit Saint’s services are available to customers primarily through its website. A Credit Saint customer can also receive assistance by email, phone, or fax. Credit Saint has no in-person branches and doesn’t have 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
- South Carolina
Credit Saint customers can fill out a form on Credit Saint’s website to initiate the free credit consultation process or sign up for one of the company’s three credit repair packages. These services can also be accessed using the company’s chat service on the bottom right-hand side of the website or by calling Credit Saint at 1-877-637-2673.
Credit Saint also responds to queries sent via email to email@example.com. Communication by fax to 1-800-400-4679 is another option. Credit Saint maintains two social media accounts (Twitter and Facebook) but does not update either regularly.
Across various review sites, there's positive feedback regarding Credit Saint’s success removing inaccurate information. There are recurring complaints, however, regarding difficulties receiving a full refund within the promised 90-day money-back guarantee period.
Another complaint is one often seen with credit repair and restoration companies: Some individuals have noted receiving frequent sales calls from Credit Saint despite having ultimately decided against using the company’s services.
There are several way to contact Credit Saint counselors, so there are few limitations to consider regarding the company’s customer service availability.
Credit Saint’s Customer Satisfaction
Generally, customers who use Credit Saint to help repair their credit reports and improve their credit scores are happy with the services provided. But, like many credit repair companies, some negative remarks have been made regarding the company's services.
Some customers complaint about Credit Saint’s first work fees, which can cost up to $195. Others have complained about problems trying to claim the company’s 90-day money-back guarantee.
Credit Saint has a Better Business Bureau (BBB) rating of A and is registered as an Accredited Business. On Trustpilot, the company has a 4.3 rating based on 67 reviews, with 67% describing its services as excellent.
Credit Saint FAQ
Is Credit Saint a legitimate company?
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How long does it take Credit Saint to work?
Is Credit Saint really worth it?
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What occurs when you file for bankruptcy?
How we Evaluated Credit Saint Credit Repair
We evaluated the credit repair services offered by Credit Saint based on several factors, including costs, services and guarantees. Customer-driven ratings and feedback available through the Better Business Bureau (BBB) and Trustpilot were helpful in gauging customer satisfaction.
Credit Saint vs. other credit repair companies
Even if you’re interested in using Credit Saint, it’s a good idea to compare it to several of the other best credit repair companies before making a decision. The table below will help you do that.
|Credit Saint||Sky Blue||Credit People|
|Services Offered||Score analysis, score tracker, credit monitoring, challenges for incorrect information||Custom disputes, credit rebuilding, on-call coaches, cease and desist support, debt validation||Credit review and disputes, free credit consultation, real-time progress updates|
|Max. Number of Monthly Disputes||Between 10 to unlimited, depending on the plan you choose||Unlimited disputes||Unlimited disputes|
|Letters to Creditors||Yes, cease and desist letters and letters challenging mistakes||Yes, cease and desist and goodwill letters offered||No|
|First Work Fee||$195 or $99, depending on plan you choose||$79||$19|
|Minimum Monthly Fee||$79.99||$79||$79|
|Customer Service Platforms||Phone, email and social media||Phone and email||Phone and email|
Summary of Money’s Credit Saint Credit Repair Review
Credit Saint credit repair stands out for receiving overwhelmingly positive feedback. The 90-day money-back guarantee (if no changes are made to a customer’s credit report during that period) is another plus.
Some customers have complained on third-party review sites about not receiving their refund immediately after cancelling their subscription. However, the company often responds to these complains, indicating that issues are typically resolved quickly. That makes Credit Saint a solid choice if you need to dispute something on your credit report.
For professional help in understanding your credit report and subsequently challenging any reporting errors, Credit Saint credit repair is a solid option; this is why we’ve rated Credit Saint as one of the best credit repair companies.