• MONTHLY COST: $79.99
  • FIRST WORK FEE: $99.00
  • CUSTOMER SERVICE: Phone, Email, Chat

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Credit Saint: Reviews, Services, Plans, Pros & Cons

Credit Saint: Reviews, Services, Plans, Pros & Cons

minimum price:


Visit Website
  • MONTHLY COST: $79.99
  • FIRST WORK FEE: $99.00
  • CUSTOMER SERVICE: Phone, Email, Chat

Best For

Quick Credit Score Improvement


  • Award-winning customer service
  • 90-day moneyback guarantee
  • Excellent online transparency
  • Cancel service at any time
  • Online account page
  • A+ BBB rating


  • Limited availability
  • Higher first-time work fee

Credit Saint is a reputable company that has been providing credit restoration services for more than 15 years. The firm has an A+ rating by Better Business Bureau (BBB) and is ranked number 1 by Consumer Affairs, Supermoney, and Credit Take Off.

From a personal advisory team to tips on building and fixing credit, all Credit Saint reviews are clear — the service makes for a fast credit repair. Besides this, there is absolutely nothing to lose as they offer a 90-day money-back guarantee.

In today’s Credit Saint review, I’ll focus on Credit Saint services, pricing, pros and cons, and much more. 

So, let’s get started, shall we?

Credit Saint Overview

Credit Saint is a reputable company that has been providing credit restoration services for more than 15 years. It strives to remove negative items off clients’ reports with evident results as early as the first 90 days of your membership. Credit Saint reviews show that this is generally true, and even when it wasn’t able to do so, the company either refunded the users or at least replied to the complaints. 

What Is Credit Saint And How Does It Work?

As I have already mentioned Credit Saint is a credit repair company. Credit Saint helps customers restore their damaged credit by challenging identity theft, inaccuracies, misleading, biased, or unverifiable negative items on their credit reports.

Credit Saint’s process of fixing credit is transparent and it happens in three steps which you can see below.


The best is that if interested to learn more, you will get a free consultation with a Credit Saint employee or an affiliate. The free consultation will not oblige you to purchase a package. Credit Saint restoration reviews state that the agents are not pushy nor did the customers feel pressured which is yet another reason why they chose this company. 

If you do decide to give them a chance, there are three packages to choose from, more of which I will explain in the subsequent sections. 

But first, let’s take a look at the services Credit Saint offers. 

Credit Saint Main Services

Credit Saint’s variety of services have changed over the years. Until recently it used to offer dispute avalanche and escalated information requests but it seems that these are not included anymore. Inquiry targeting, creditor interventions, and score tracker are the top 3 new services in Credit Saint’s packages for 2021. 

Service Description Rating
Aggressiveness Credit Saint’s credit repair distinguishes three levels of aggressiveness, medium, high, and very high. This service is not common among competitors. 5/5
Score tracker This service allows users to track the progress of their credit repair with ease.  5/5
Inquiry targeting With this service, Credit Saint is able to target the hard and soft inquiries on a client’s credit reports.  5/5
Challenges to the three credit bureaus Depending on the package you choose, Credit Saint will send a limited or unlimited number of challenges to all three credit bureaus to make sure your credit score is the same with every.  5/5
Creditor interventions With creditor intervention, Credit Saint contacts the creditors and tries to persuade them to remove a negative mark or not to send a client’s late payments information to the credit bureaus. However, this is a serious intervention and should not be taken lightly by clients.  5/5
Experian monitoring The Experian monitoring keeps track of the daily activity on a client’s credit report to make sure no fraudulent activities occur. 5/5
Items challenged There is a vast range of items challenged such as late payments, identity thefts, charge-offs, collections, bankruptcies, repossessions, and judgments.  5/5
Security Credit Saint uses SSL (secure socket layer) encryption, along with a variety of other methods to keep their network, servers, software, and web applications safe and secure. 5/5
90-day money-back warranty Credit Saint reviews state that the 90-days money-back guarantee makes the service worth it trying. The company promises to make some progress within 90 days and if that doesn’t happen, reviews state that it does refund the money invested, at least partially. 5/5
Customer support Credit Saint credit restoration customer reviews confirm that exceptional customer support and knowledgeable agents are yet another reason for Credit Saint’s good reputation. 5/5
First work fee Credit Saint customer reviews state that the first work fee is more expensive than the alternatives. However, Credit Saint’s reputation justifies the high prices.  4/5
Monthly fee When analyzing the monthly fee only, Credit Saint prices are not that expensive. It’s the monthly fee plus the initial fees that make Credit Saint costly. 5/5
Cancellation policy Credit Saint has a flexible cancellation policy that allows all users to cancel at any time they wish.  5/5

Ease of Use

It’s fairly easy to get set up and start using Credit Saint’s speedy credit repair. All you need to do to begin is to sign up with them in four easy steps. Here’s how to go about it:

  • Step 1. Load Credit Saint site. Click on the get started page to sign up. Provide information as requested in the form on the ‘Get Started’ page.

  • Step 2. Next, select your service level.

  • Step 3. Enter payment information.

  • Step 4. Confirm legal agreements and submit them.

Our Credit Saint process review showed that once you settle in, the team will work cohesively with the major credit bureaus to challenge negative items and erroneous data on your credit reports. The company will send you a detailed report identifying derogatory marks such as late payments, foreclosure, charge-offs, and debt collections. You can decide which to dispute, and for which you might need help from debt relief companies.

You will also receive a personalized plan on ways to improve your credit score. This will help you begin your journey to building creditworthiness. Once they do their magic, you can also get to know more about credit builder loans.

Credit Saint Restoration Services and Pricing

Users can choose between three different types of credit repair service packages. It is because Credit Saint believes that there is no one-size-fits-all. In the table below you can find details on the three service packages.

You should note though that the number of items challenged varies with the plans, starting from 5 items for the Credit Polish, 10 for the Credit Remodel, and unlimited for the Clean Slate package. 

At the end of each credit repair cycle, clients will receive credit reports from all three credit bureaus to track their progress.

If the Credit Saint cost of credit repair services seems too high, but you need a loan, you can always try some of the guaranteed loans for those with bad credit.

Credit Saint Ratings and Reviews

The overall impression I got from the reviews for Credit Saint on review platforms like ConsumerAffairs, Trustpilot, and Yelp is that the clients are generally satisfied with the services praising the company’s customer service, (speed) credit repair process, and transparency. 

The dissatisfaction is mainly because of the expensive Credit Saint prices and in some cases the inability to produce any results within the guaranteed 90-day period. 

The fine line between the good and the bad reviews of Credit Saint lies in the 90-day money-back guarantee for which clients agree it is worth giving this credit repair a try

Credit Saint is A+ rated by BBB since 2007 due to its length of time in business, policy transparency, and proper BBB complaint handling. Its rating on ConsumerAffairs is also a high 5 and although it has a 3-star rating on Trustpilot, Credit Saint is still one of the best credit repair services on the market. 


Credit Saint, of course, is not the only credit repair company on the market. In the table below, you can see how it fares when compared to its competitors. 

Company Win Lose Best for
Credit Saint Free consultation Expensive Effective removal of negative items
Sky Blue Credit No charge for 6 days No choice of packages People who aren’t sure what kind of service they need
Lexington Law No initial fees May charge for additional reports Affordable prices
The Credit People Affordable credit repair cost Not as good for more complex issues Discounts and sign-up bonuses

It is worth noting again, that the efficiency with which Credit Saint removes numerous negative items off user’s credit reports is the standout feature that separates Credit Saint from its competitors. 

Is Credit Saint Worth It?

Credit Saint is one of the trusted, transparent, and reputable credit repair companies. It has an impressive service catalog with three packages for varying customer types and needs. The 90-day money-back guarantee is a great advantage as you can try out their services with nothing to lose but your dissatisfaction. Credit Saint reviews such as this one meanwhile can help you make an informed decision whether to work with them or not.

Where Credit Saint Dominates

PROS Excellent online transparency
Free non-obliging consultation
90-day money-back guarantee
Flexible cancellation policy
Exceptional customer service

Where Credit Saint Falls Short

CONS Limited availability
High first-time work fees

Credit Saint is best for people who have a lot of negative items to remove from their reports and for people who need fast and effective credit repair. 

Key Features

Service Rating
Aggressiveness 5/5
Score tracker 5/5
Inquiry targeting 5/5
Challenges to the three credit bureaus 5/5
Creditor interventions 5/5
Experian monitoring 5/5
Items challenged 5/5
Security 5/5
90-day money-back warranty 5/5
Customer support 5/5
First work fee 4/5
Monthly fee 5/5
Cancellation policy 5/5



Does the company assist with legal matters?

Yes. It is your right to ensure that all items on your credit reports are accurate. If information is inaccurate, then as a consumer you can request to remove the wrong information. It is your legal right to dispute inaccuracies and challenge them. This is exactly what Credit Saint helps you with.

What is the average credit repair program duration?

As every case is unique and different thus, the duration of the credit repair program is variable. The process can be lengthy or shortened depending on your situation.

Does Credit Saint offer a money-back guarantee?

Yes, they offer a 90-day money-back guarantee. You are eligible for a full refund if you don’t see negative items removed from your credit reports within 90 days of starting the process.

Does Credit Saint work?

It does, and how much it will help you depends on which plan you go for. Best credit restoration comes with the most aggressive package, but even the most affordable one will still make a difference.

Is Credit Saint legit?

Absolutely. All credit repair reviews firmly state it’s a trustworthy company that can help you fix your credit.

What are Credit Saint customer service hours?

Credit Saint serves clients 24/7 via online chat, email, and toll-free support service.

Lexington Law vs Credit Saint - which is better?

Looking at ratings from BBB – A+ and plenty of positive Credit Saint reviews, and C for Lexington Law – it may look like the winner is clear. But if you’re wondering is Lexington Law even worth it then, we suggest you visit our review and find out.