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Credit Saint Review

Is your head starting to hurt? Can you feel your blood pressure rising? These are common side effects of having to deal with credit restoration. But don’t worry, you can alleviate the pain by hiring a credit repair company.

For truly optimal results, you should employ the credit repair services of Credit Saint. Credit Saint reviews your credit reports in order to locate problematic areas that can be remedied. The company’s approach to restoring your credit involves dealing with each issue separately in order to find the best solution.

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  • Tailored credit repair solutions
  • 90-day money-back guarantee
  • Expert advice
  • A+ BBB rating
  • Three pricing options
  • Disputes all types of negative items
  • Honest recommendations for pricing plans


  • Service not available in all states
  • Pricey third-tire package

Credit Saint Breakdown


$99 (one-time payment) + $79.99/month


45-day cycles












Credit Saint sits at the top of most ranking websites, and the company takes pride in its success. One of its more commendable accomplishments is the A+ Better Business Bureau rating. The quality of its service is further highlighted by the many positive Credit Saint customer reviews that applaud the company’s effectiveness and knowledgeable customer support agents.

Moreover, Credit Saint has a 4.2/5 score on Trustpilot supported by a collection of excellent evaluations. Another example of the company’s confidence is its 90-day money-back guarantee. Credit Saint offers online monitoring of your progress, three levels of credit repair aggressiveness and credit consultation with reliable credit repair specialists.

How does Sky Blue Credit Repair compare to other credit restoration services?

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Price$79.99/month (1st fee $99)


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Sky Blue Credit Repair Reviews - Logo

Price$79 per month


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What to Expect From Credit Saint

Credit Saint provides one of the most comprehensive credit clean-up services on the market. Credit Saint disputes the following derogatory marks on your behalf are:

  • Late payments
  • Identify theft
  • Charge-offs
  • Collections
  • Bankruptcies
  • Repossessions
  • Judgments
  • Liens
  • Foreclosures
  • Inquiries

It’s highly unlikely that all of these marks appear on a single client’s credit report. That’s why Credit Saint has three packages designed to accommodate different credit restoration needs.

Aside from helping to remove the aforementioned marks, Credit Saint’s services also encompass:

Debt validation: This refers to your right to request verification of your debt from the collector. To ensure that your rights are protected under the Fair Debt Collection Practices Act, you must send your request within 30 days of receiving a debt collection notice.

The collector has to stop all collection activities until they respond to your debt validation letter. Your request can result in the debt collector simply confirming in writing that the amount being demanded is what is owed or lead to far more aggressive collection efforts. So, make sure to weigh your options carefully and heed the advice of professional credit advisers at Credit Saint.

Escalated information requests: These can be sent after a credit dispute has been rejected. The requests let your creditors know that you are considering getting the authorities involved. A lot of details go into these letters, and the whole process can take a while. But don’t worry, Credit Saint does the heavy lifting for you.

Online access: This is a convenient way to keep track of your credit repair progress. All of your progress reports and detailed analyses are made available on the Credit Saint online account page.

Toll-free support: This is one of the most important services that Credit Saint offers. Erasing derogatory items isn’t enough to ensure a sparkling credit report. You have to build a good credit history as well. The team of experts assigned to you by Credit Saint helps you learn about steps you can take yourself in order to reach your desired credit score.

No-obligation free consultation: Credit Saint offers this service before you have to spend any money. Credit Saint reviews your credit reports that it acquires for you free of charge and explains the best course of action. After the free credit evaluation, you can choose to purchase additional services or try taking the recommended steps on your own.

Free Experian score tracker: This allows you to follow your credit score so that you can know exactly how all of the aforementioned credit restoration services are affecting it. Experian is one of the three major credit reporting bureaus.

Prices, Discounts and Guarantees

Pricing plans

In order to determine how much Credit Saint will cost, you have to pick one of the three available packages.

Credit Polish

This package offers a medium level of credit restoration aggressiveness and includes access to Credit Saint online, toll-free support, and a free Experian score tracker. It also disputes late payments, identity theft, charge-offs, and collections. It’s the cheapest package with a monthly subscription of $79.99 and a first work fee of $99.00, which is a one-time payment.

Credit Remodel

This is a more aggressive service bundle because it adds Escalated Information Requests and disputes for bankruptcies and repossessions to the Credit Polish services kit. The additional Credit Saint credit restoration services bump the monthly cost to $99.99, while the first work fee remains the same at $99.00.

Clean Slate

The most expensive package costs $119.99/month, which is pricey but expected for the most aggressive plan. Meanwhile, the first work fee climbs to $195.00. With that in mind, it’s a bit troubling that the Credit Saint website is somewhat vague when it comes to the specific services that this package contains.

All the professional credit repair services from the two more affordable packages are there with disputing judgments listed as the only additional service.

You’ll find details about the main advantages of each package written in small letters below the pricing table shown on the Packages page. The Polish package corrects or removes five inaccurately reported items. The Remodel package covers ten items, and the Clean Slate package covers an unlimited number of items. When you look at things from this angle, the prices make a lot more sense.

Another reason to sign up with Credit Saint is the company’s sincerity. When you contact them, Credit Saint reviews your case and recommends the package best suited for your needs without pushing the more expensive plans on you.


When you click to sign up, you’ll notice an option allowing you to add a family member and get a small discount. If you do have a family member that needs credit repair services, this option frees one of you of the first work fee. It doesn’t seem like much when compared to some of the discounts offered by the competition, but it can still help your budget, especially if you are signing up for the most expensive plan.


Credit Saint offers some of the best credit repair services in the credit restoration industry. Their confidence in their product is perhaps best exemplified with the 90-day money-back guarantee. If you don’t see any progress with your credit score after the 90 days, you’ll be entitled to a full refund.

But make sure that you haven’t missed any payments or made any new derogatory trade lines during that time, as that would make your warranty null and void.

Speed of Service

Credit Saint works on cleaning up your credit reports within a 45-day cycle. For the purpose of monitoring the improvements made by Credit Saint after each cycle, you’ll receive three credit reports. You then send these to the Credit Saint mailing address or simply email them. Credit Saint will use these to update your overall progress report on your account page.

Repairing your credit can take a while, it isn’t an exact science, and there are many factors to take into account. Even though some companies offer 24-hour credit repair, the results are often minuscule. Credit Saint doesn’t make any extravagant promises and focuses on the individual needs of every client by providing them with tailored credit repair solutions. This doesn’t mean that the company will drag things out.

On the contrary, Credit Saint reviews the state of your credit score on a regular basis, and you are informed when credit restoration services are no longer beneficial to you.


Credit Saint is a leading credit repair service with an accessible and dedicated team of experts. The company’s most notable downside is the fact that its services aren’t available in all states. But hopefully, Credit Saint will remedy this in the near future.

Additionally, you might be tempted to look for cheaper alternatives to Credit Saint. But cheaper providers cannot deliver quality credit assistance services and the sort of educational resources that you get with Credit Saint.

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How can I rebuild my credit fast?

For starters, you should pay your bills on time. Try making frequent small payments and avoid closing unused credit cards if they aren’t too much of a financial burden. Disputing negative marks on your credit report is also an option, but that can take time. If you encounter a problem that you can’t solve on your own, the best thing to do is to look at the list of the top ten credit repair companies and consult one.

What is the best credit repair company?

There are several reputable companies for credit repair assistance. Our top three choices are Credit Saint, Sky Blue, and Ovation Credit Services. All three offer free consultations and excellent customer support.

Does credit repair hurt your credit?

If done right, credit repair shouldn’t hurt your credit. This is why it’s important that you do your research before attempting any restorations yourself. In case you don’t want to risk it, hire a professional credit repair company to take care of the reparations.

What is credit restoration?

Credit restoration is a process in which you remove bad items from your credit history. These items can be found on credit reports issued by the three major credit reporting bureaus. The Fair Credit Reporting Act gives you the right to dispute any information that you want, including incorrectly stated data or components that are damaging to your credit score. You can choose to do this yourself or you can hire a credit repair company to do it for you. We suggest the ones that are best rated at credit repair by reputable sites and customer reviews.

Does credit repair really work?

Credit repair works, but there are no guarantees. It takes time to build a good credit history and to polish your credit score. You should start to see results pretty quickly if you make the right decisions. To increase your chances of success, take advantage of credit repair companies that offer free consultations such as Credit Saint. Credit Saint reviews your credit reports, and their team of experts gives you advice on how to most effectively repair your credit.