• YEARS IN BUSINESS: 16
  • MONTHLY COST: $79.99
  • FREE CREDIT CONSULTATION: Yes
  • BBB RATING: A+
  • FIRST WORK FEE: $99.00
  • MONEYBACK GUARANTEE: 90-Days
  • CUSTOMER SERVICE: Phone, Email, Chat
  • AVERAGE PROGRAM DURATION: 45-Days Cycles

minimum price:

$79.99/month

Visit Website

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

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

minimum price:

$79.99/month

Visit Website
  • YEARS IN BUSINESS: 16
  • MONTHLY COST: $79.99
  • FREE CREDIT CONSULTATION: Yes
  • BBB RATING: A+
  • FIRST WORK FEE: $99.00
  • MONEYBACK GUARANTEE: 90-Days
  • CUSTOMER SERVICE: Phone, Email, Chat
  • AVERAGE PROGRAM DURATION: 45-Days Cycles

Best For

Quick Credit Score Improvement

STRENGTHS

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

WEAKNESSES

  • 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, we’ll focus on:

  • Credit Saint Services
  • Pros & Cons
  • Reviews
  • Support
  • Pricing

So, let’s get started, shall we?

Credit Saint Restoration Services and Pricing

Credit Saint helps customers restore their damaged credit by challenging identity theft, inaccuracies, misleading, biased, or unverifiable negative items on their credit reports. According to Credit Saint credit restoration reviews, it does so well. 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. The three service packages for credit disputes include:

  • The Credit Polish Package

This is a basic package designed to help clients clean up minor issues on their credit report.

  • The Credit Remodel Package

This package is highly advanced. It includes everything but the dispute avalanche process. It is suitable for those who have some items such as repossessions or bankruptcies to address.

  • The Clean Slate Package

Clean Slate, as the name suggests, is the most comprehensive package that addresses all challenging credit items.

Below is the breakdown of the services offered in each of the three packages, along with the Credit Saint cost for each. Take a look:

Credit Saint Reviews - Packages

As you can see in the table, the first work fee is the same for the first two packages (Credit Polish and Credit Remodel) which is $99, but it is slightly higher for the Clean Slate package costing a total of $195. That’s to be expected given the positive Credit Saint Clean Slate reviews. The monthly fee is $79.99 for the Credit Polish package, $99.99 for the Credit Remodel package and $119.99 for the Clean Slate package. If the price seems too high, but you need a loan, you can always try some of the guaranteed loans for those with bad credit.

Credit Saint Additional Services

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

Credit Polish Credit Remodel Clean Slate
Includes work associated with correction or removal of 5 inaccurately reporting items. Includes work associated with correction or removal of 10 inaccurately reporting items. Includes work associated with correction or removal of unlimited inaccurately reporting items.

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.

Security

Not only is virtually every Credit Saint credit repair review favorable, the company also meets all the industry standards designed to safeguard the client’s confidential data. 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.

Moreover, their staff maintains organizational security measures for client data safety. Rest assured, your personal information is never emailed anywhere.

Pros Cons
Excellent Online Transparency Limited Availability
90-Day Money-Back Guarantee Higher First-Time Work Fee
Award-Winning Customer Service
Online Account Page
Flexible Cancellation Policy
A+ BBB Rating

Customer Reviews & Ratings

Credit Saint Consumer Affairs Rating

The Consumer Affairs rating of Credit Saint is quite good with 4 out of 5 stars. It has over forty 5 star reviews, with three of the newest ones being five-star reviews as well.

Credit Saint BBB Rating

The company is A+ rated by BBB since 2007 due to its length of time in business, policy transparency, pricing, and proper BBB complaint handling. Credit Saint BBB has an average customer rating of 3, which in the industry is still relatively high. However, no new reviews have come in since early 2020, unlike with Consumer Affairs, which could explain the difference in rating.

Credit Saint Reviews on Yelp

Credit Saint’s Yelp rating is also at 3 stars out of 5. Opinions seem to be somewhat polarized, but they all largely agree that the 90-day money-back guarantee makes the company worth a shot.

Overall Review Feedback

  • Excellent customer service
  • Prompt bad items identification and removal
  • Speedy credit score improvement
  • Transparency in every domain

Overall Reported Issue

The Credit Saint complaints we came across referred to a high credit repair cost.

Credit Saint VS. Competitors

Credit Saint vs Sky Blue Credit

In terms of competition, Credit Saint is a leading service provider. When compared to Sky Blue, Credit Saint wins thanks to a free consultation.

Credit Saint vs Lexington Law

When compared to Lexington Law, Credit Saint is rated A+ from BBB while Lexington Law has a C rating and just over two stars out of five. This is based on 314 Lexington reviews.

Wrap Up

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 ours meanwhile can help you make an informed decision whether to work with them or not.

FAQ

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.

Does the company have any pending regulatory action?

No. It doesn’t.

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.

Is there a referral program in place?

No. There isn’t any referral program so far.

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 offer any discounts for family members, military, students?

Although the company does offer discounts, Credit Saint reviews suggest that they are occasional. However, there are no present discounts for signing up with friends or family, or as a military member, or a student.

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.

ABOUT AUTHOR