Credit Saint Review 2021 | Plans, Price, & What We Like

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Updated: 7th Mar 2021
Written by Drew Cheneler
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Are you eager to improve your credit score? Have you been denied a credit card? Tired of paying high-interest rates on your loan or mortgage?

These are all side effects of a bad credit score. Fortunately, a credit repair company can help you take back your credit and alleviate the pain. 

With over 15-years of proven experience and client success, Credit Saint is a clear leader in the credit repair industry.

From transparency to low fees and a progressive refund policy, Credit Saint is deeply committed to improving your overall credit health and setting you up for success.

Sure, you can repair your credit yourself, but this takes time and is a risky play. And if you make a mistake, all your hard work will be for nothing.

This is why people turn to Credit Saint to save their credit score. 

Since their humble beginnings, Credit Saint has been at the forefront of innovation and has remained one of the best credit repair companies

Touting a coveted A+ rating from the Better Business Bureau and applauded for their commitment to helping consumers successfully fix their credit, this Credit Saint Review will help you decide if this service is right for you and your situation.

Credit Saint Overview

Features:Details:
Year Founded:2007
BBB Rating:A+ (One of the Few Credit Repair Companies to Review this Score)
PackagesCredit Polish, Credit Remodel, & Clean Slate
Customer Support:Email & Phone Support
Pricing:$79 - $119.99/Month
Credit Monitoring:For Select Packages
Refund Policy:90-Day Money-Back Guarantee

About Credit Saint  

Founded in 2007, Credit Saint has attracted a legion of fans due to their superior customer service, proven results, and personalized approach to credit repair.

Holding an A+ rating from the Better Business Bureau (BBB), Credit Saint offers three packages of credit restoration services that are all tailored to meet your individual credit needs.

Previous customers applaud Credit Saint for their candid insight, efficiency, and transparency – three traits that are hard to find in the credit repair industry. 

On your behalf, Credit Saint will intervene with creditors to ensure your consumer rights are protected, will file disputes with all three major credit bureaus, and will write tailored cease and desist letters to accommodate your needs. But that is not all.

Depending on what package you purchase, Credit Saint will sift through your credit report line-by-line identifying negative items to remove, and will even provide complimentary Experian credit monitoring. 

Let’s dive into the details of Credit Saint. I am confident by the end that you will agree Credit Saint is the best credit repair company. 

What Is Credit Saint?

Credit Saint is a credit repair company that helps consumers repair their credit. From removing negative items to filing disputes with all three credit bureaus, and everything in between, they possess the talent and knowledge to do it all.

As previously stated, they are known to help consumers with severe credit problems. They are more than capable of helping you solve yours.  

Headquartered in New Jersey, Credit Saint is at the forefront of innovation and is a pioneer in the credit repair industry.

They were the first credit repair company to offer a full 90-day money-back guarantee. That is how confident they are in their services.

Furthermore, Credit Saint continues to break barriers and offer unparalleled services to their beloved customers. 

What Does Credit Saint Do? 

As a credit repair company, Credit Saint ensures your credit report’s accuracy, will intervene with creditors and will dispute all negative errors on your credit report with all three credit bureaus.

Above all, Credit Saint will educate you about your credit and will protect your consumer rights. 

Rest assured, Credit Saint offers one of the most comprehensive credit restoration programs in America. Credit Saint will help you remove these negative items from your credit report:

Depending on what package you sign up for, Credit Saint will aggressively dispute any errors that exist on your credit report.

Ultimately, Credit Saint wants to remove all inaccurately reported negative items on your credit report. These are the derogatory marks holding back your credit score from its full potential. 

Apart from identifying and removing negative items from your credit report, Credit Saint also assists with debt validation, writing escalated information requests and a no-obligation free consultation. 

How Does Credit Saint Work? 

Credit Saint operates through a monthly subscription. Once you sign up for this service, Credit Saint will get right to work repairing your credit.

As we mentioned earlier, an expert on the Credit Saint team will review your credit report line-by-line identifying any negative items ripe for dispute.

On your behalf, Credit Saint will carefully draft a letter of dispute that they will then send to the credit bureaus challenging the negative item that exists on your credit report.

As stated in the Fair Credit Reporting Act (FRCA), all inaccurate items on your credit report should be challenged and removed – this is exactly what Credit Saint does for you.

How Much Does Credit Saint Cost? Plans & Pricing: 

Credit Saint follows a straightforward and transparent pricing structure. Currently, Credit Saint offers three different packages: 

  • Credit Polish
  • Credit Remodel
  • Clean Slate.

All three are great opportunities and will vary on their level of aggressiveness.

1. Credit Polish Package

Price: $79.99/Month with a $99.00 Initial Work Fee

Level of Aggressiveness: Medium

Services Provided:

  • Will Challenge All 3 Credit Bureaus
  • Credit Score Analysis
  • Credit Score Tracker
  • Tailored Creditor Interventions

Our Two Cents

With credit polish, you get a medium level of aggressiveness, which is great. This plan is best if you only have minor credit problems but would still like them resolved before applying for a loan or a mortgage.

Moreover, Credit Saint will dispute late payments, assist with debt validationgoodwill letters, identify thefts, charge-offs, & collections.

2. Credit Remodel Package

Price: $99.99/Month with a $99.00 Initial Work Fee

Level of Aggressiveness: High

Services Provided:

  • Challenges to All Three Credit Bureaus
  • Tailored Credit Interventions
  • Experience Credit Monitoring
  • Credit Score Tracking
  • Inquiry Targeting

Our Two Cents

Credit remodel includes all the same perks as the standard credit polish package, but they take it one step farther.

Credit Saint will target specific inquiries and will provide you with a robust credit monitoring solution.

So, if you are encountering more difficult financial problems, then this package is ideal for you.

3. Clean Slate Package (Most Popular)

Price: $119.99/Month with a $195.00 Initial Work Fee

Level of Aggressiveness: VERY HIGH

Services Provided:

  • Credit Score Analysis
  • Unlimited Challenges to All Three Credit Bureaus
  • Inquiry Targeting
  • Experian Monitoring
  • Tailored Cease & Desist Letters
  • Credit Bureau Intervention
  • Identify Thefts

Our Two Cents

Credit Slate is the real deal if you are facing serious credit issues. This package will challenge all negative items with extreme aggressiveness. Furthermore, this is Credit Saint’s most popular offering.

Put simply, Credit Saint is going to fight tooth and nail for you with the credit bureaus. This unparalleled service is the reason why thousands of Americans rely on Credit Saint to fix their credit.

Credit Saint Review: Pros and Cons

Pros:

  • A+ rating from the Better Business Bureau: This is no small task and Credit Saint is one of the few credit repair companies to receive this score. It is proof positive that they care about their customers.
  • Affordable & Transparent Price: The credit repair industry is littered with fraudulent companies who intentionally prey and exploit millions of Americans. Credit Saint turns this notion upside down and is upfront about the services they provide and what they can and cannot do.
  • 90-Day Money-Back Guarantee: Believe it or not, Credit Saint was the first credit repair company to offer a money-back guarantee. This allows you to get a feel for their service and how they operate before they fully commit.
  • Unlimited Disputes: Credit Saint will fight to earn back every single point on your credit report
  • Personal Advisory Team: As a member, you get direct access to a team of credit experts who will help you repair your credit and provide valuable insight. Credit Saint makes it a priority to educate each and every one of their customers. A good credit score starts with an understanding of how your score is calculated and what impacts it the most.

Cons:

  • Costly Initial Work Fee: Credit Saint charges a $99 initial work fee. When comparing Credit Saint to other credit repair services, this is a bit high. However, no other company compares to the results Credit Saint can produce.
  • Not in Every State: Credit Saint is not available in South Carolina, Georgia, or Kansas. That said, if you reside in one of these three states then look elsewhere.

What Does Credit Saint Cover? 

With Credit Saint, you can expect a level of commitment that is unparalleled. Yes – it is true – Credit Saint can help you fix even the most difficult credit problems.

As a Credit Saint customer, you can challenge (dispute) late payments, identify thefts, collections, bankruptcies, repossessions, and judgments.

Credit Saint Review: Are Previous Customers Satisfied?  

Credit Saint customers cannot get enough. From top-notch customer service to improving individual credit scores and everything in between, previous customers rave about their experience.

Over on Consumer Affairs, Credit Saint has over 50 reviews, with an average of 4.5 stars out of 5.

Their customers highlight how Credit Saint takes the time to educate them on the credit repair process.

Others have said that Credit Saint is the sole reason they could obtain a mortgage rate at a competitive interest rate. Compiling over 50 reviews, Credit Saint received an average of 4.5 Stars.

How Long Does Credit Saint Take to Repair Your Credit? 

When it comes to repairing your credit, results will vary between individuals. There is no ‘set’ time in which you will see your credit score improve, but most customers start to see results within 45-days.

I know it may seem long, but repairing your credit is a long and arduous process. It requires commitment and a keen eye for detail, all of which Credit Saint provides.

Remember, per the Credit Repair Organizations Act (CROA), Credit Saint cannot legally guarantee you positive results.

However, as evident by their customer testimonials, Credit Saint delivers on their promise to help you improve your credit score.

Who Is Credit Saint Best For? 

Credit Saint is best for individuals with a poor credit score, and individuals who are about to apply for a loan or a mortgage.

Though Credit Saint is not recommended for those with a good credit score, it is still a good opportunity for those who recognize their score can improve.

How Do I Sign Up for Credit Saint? 

Signing up for Credit Saint has never been easier. You can either sign up online (which we recommend), or you can call their toll-free number at 1-800-355-0329.

Remember, you get a complimentary free credit consultation!

Is Credit Saint Legit

Yes! Credit Saint is one of the few credit repair companies that receive an A+ from the Better Business Bureau.

Apart from this, Credit Saint is fueled by a team of dedicated credit experts, who are willing and eager to work with you.

They are motivated more than ever to help you achieve your financial goals, which start with a great credit score.

Is Credit Saint Safe?

Credit Saint employs bank-level security and holds an A+ rating from the Better Business Bureau. Moreover, Credit Saint is licensed, insured, and bonded in the states they operate in.

Alternatives to Credit Saint

While we believe Credit Saint is the best choice for consumers, there are alternatives if you want to look elsewhere.

#1. Sky Blue Credit

Trailing right behind Credit Saint, Sky Blue Credit is another credit repair company committed to helping you repair your credit. They offer a 90-day money-back guarantee, transparency, and one flat fee.

Learn More: Sky Blue Credit Review

#2. Lexington Law

Lexington Law is the oldest credit repair company in the United States. They bring years of experience to the table and a team of lawyers to help you fix your credit.

However, they are currently facing legal action from the Consumer Financial Protection Bureau (CFPB).

Learn More: Lexington Law Review or Credit Saint vs Lexington Law

#3. The Credit People

The Credit People is another safe choice for consumers; however, their service is a bit pricey. They do not have the experience like Credit Saint.

That said, they continue to bolster their credit repair offering and are helping thousands of Americans annually.

Learn More: Credit People Review

Credit Saint Review: Is It the Right Choice? 

Credit Saint is the right choice for you if you need credit help. After all, Credit Saint is one of the most widely respected credit repair companies in the industry.

Backed by damn good customer reviews and a team of experts, we cannot say enough about how good of a job Credit Saint does.

But more importantly, the way they treat each individual customer is what separates them from the rest – Credit Saint cares.

More Credit Resources:

Drew Cheneler
Drew Cheneler
Drew is a recognized Credit, Small Business, and Personal Finance Expert. He has been quoted in CNBC, Fox Business News Section, The Huffington Post, Business.com, Moneyunder30, US Chamber of Commerce, and more. He is known for breaking down complex personal finance topics into action-oriented advice, so you can make the most of your hard-earned money.