In-Depth Analysis

Credit Saint Review

Advertiser Disclosure
Written By
I. Mitic
Updated
August 23, 2022
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

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

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

Price
$79.99/month

Free evaluation

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Fortunly Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

PRICE
$99 (one-time payment) + $79.99/month
SPEED OF SERVICE
45-day cycles
FREE EVALUATION
Yes
GUARANTEES / WARRANTY
Yes
BBB RATING
A
YEARS IN BUSINESS
18
CUSTOMIZED SERVICE
Yes
pros thumb up Strengths
  • Tailored credit repair solutions
  • 90-day money-back guarantee
  • Expert advice
  • BBB rating: A
  • Three pricing options
  • Disputes all types of negative items
  • Honest recommendations for pricing packages
pros thumb up Weaknesses
  • Service not available in all states
  • Pricey third-tier package

Credit Saint Overview

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 Better Business Bureau accreditation and A 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 out of 5 score on Trustpilot supported by a collection of excellent evaluations. 

Credit Saint’s 90-day money-back guarantee is also a good indicator of the company’s reliability. Unlike the customers of some other credit repair companies offering a 90-day money-back guarantee, Credit Saint clients leaving online reviews do not complain about its refund policy.

Credit Saint offers free credit consultation with reliable credit repair specialists, online credit monitoring account, and three levels of credit repair aggressiveness.

How Does Credit Saint Compare to Other Credit Restoration Services?

Credit Saint Logo
Credit Saint
Price:

$79.99/month (1st fee $99)

Guarantees:

Yes

Sky Blue Credit Logo
Sky Blue Credit
Price:

$79 per month

Guarantees:

Yes

CreditRepair.com Logo
CreditRepair.com
Price:

$99.95

Guarantee:

Yes

Credit Saint’ Services 

Credit Saint provides some of the most comprehensive credit cleanup services on the market. Credit Saint disputes the following derogatory marks found on your credit report:

  • 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 various credit restoration needs, and it recommends the one best suited for you following the free credit consultation. 

Aside from helping to remove the negative items from your credit report, Credit Saint LLC’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, weigh your options carefully and heed the advice of Credit Saint’s advisor.
  • 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 escalated information requests, 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 essential 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. Credit Saint’s specialists help 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 consultation, you can choose to purchase professional credit repair services or try taking the recommended steps on your own.
  • Free Experian score tracker. Experian is one of the three major credit reporting bureaus, and this service allows you to monitor your credit score so that you know exactly how all of the aforementioned credit restoration services are affecting it.

We have reviewed other legitimate credit help services for you:

Credit Saint’s Pricing Plans

As mentioned, Credit Saint offers three credit repair packages - Credit Polish, Credit Remodel, and Clean Slate - each with its own monthly fee and set of services. All three packages come with a 90-day money-back guarantee.

Credit Polish

The Credit Polish plan offers a medium level of credit restoration aggressiveness and includes access to Credit Saint’s toll-free support and a free score tracker. It also disputes late payments, charge-offs, judgments, collections, liens, and more. It’s the cheapest package with a monthly fee of $79.99 and an initial work fee of $99, which is a one-time payment.

Here’s a short overview of what you get with this package:

  • Challenges at three credit bureaus 
  • Credit score analysis
  • Creditor interventions
  • Credit score tracking

Credit Remodel

With the Credit Remodel package, Credit Saint’s credit restoration services come with a monthly fee of $99.99, while the initial work fee remains the same at $99. It’s a more aggressive service bundle because it adds the removal of credit score inquiries from your credit report and Experian score tracker to the services offered in the Credit Polish package. 

The services included in this credit repair plan are:

  • Challenges at three credit bureaus
  • Credit score analysis
  • Creditor interventions
  • Credit score tracking
  • Inquiry targeting
  • Experian credit monitoring

Clean Slate

The most expensive package has a monthly fee of $119.99, which is pricey but expected for the most aggressive plan. With the Clean Slate plan, the Credit Saint cost for the initial work fee climbs to $195.

This pricing plan includes the following services: 

  • An unlimited number of challenges at the three credit agencies
  • Credit score analysis
  • Creditor interventions
  • Credit score tracking
  • Inquiry targeting
  • Experian score tracker

You’ll find details about the main advantages of each package written in smaller type below the pricing table shown on the Packages page. The Polish package challenges five inaccurately reported items per dispute cycle. The Remodel package covers 10 items, and the Clean Slate package covers an unlimited number of disputes.

Customers who have joined Credit Saint overwhelmingly praise the company's straightforwardness. When you contact the credit repair company, Credit Saint looks into your case and recommends the package best suited for your needs without pushing the more expensive plans on you.

Credit Saint’s Discount

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 who 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 other credit repair companies, but it can still help your budget, especially if you are signing up for the most expensive plan, which comes with the highest work fee.

Credit Saint’s Guarantee

If you don’t see any progress with your credit score after the first 90 days of the credit repair process, Credit Saint promises a full refund. But make sure you haven’t missed any payments or made any new derogatory trade lines during that time, as that would make your 90-day money-back guarantee 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 online account page.

The credit repair process can take a while; it isn’t an exact science, and there are many factors to take into account. Even though some credit repair organizations 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 informs you when credit restoration services are no longer beneficial to you.

Credit Saint vs. Lexington Law

Lexington Law is one of the most reputable credit repair industry players, helping thousands of clients in the US to repair their credit scores and clean their credit reports. Since 1991, when the company was established, over 10 million negative items have been removed from the consumer reports thanks to the Lexington Law professionals. 

Both Lexington Law and Credit Saint provide excellent credit repair services, but they differ in some aspects worth mentioning. 

In our Credit Saint review, we explained how its pricing system works. There are three types of pricing plans that differ based on the number of disputes and additional features like Experian score tracker. 

Unlike Credit Saint, Lexington Law focuses on providing more personalized credit repair plans. They range in price from $89.85 to $129.95, depending on each consumer’s needs. In this area, we give an advantage to Credit Saint mostly because its pricing plans are more affordable and transparent.

However, the thing we liked more at Lexington Law is its selection of additional features, like TransUnion alerts, identity theft protection, and personal finance tools. There’s also a mobile app, which enables consumers to track their finances whenever and wherever they want.  

Credit Saint vs. The Credit Pros

Another credit repair company we compared to Credit Saint is The Credit Pros. It offers credit repair and monitoring services, as well as identity theft restoration. It also says it’ll send as many disputes as necessary to the credit bureaus and an unlimited number of goodwill letters to your creditors. In addition, you’ll get access to the online account page to monitor your credit score at TransUnion. 

However, we think you should skip The Credit Pros, especially if you can afford Credit Saint’s services. First off, Credit Saint’s credit repair service is customer-oriented. If you’re not completely satisfied with it, you can cancel anytime, and the company will refund your money. Although The Credit Pros says it has a 90-day money-back guarantee, we found lots of complaints on various consumer sites regarding the company’s refund policy.

Another thing we don’t like is the pricing system. At first glance, it seems like The Credit Pros offers more affordable service, considering that the cheapest plan costs only $19 per month. However, this plan provides only a credit monitoring service, not credit repair. Overall, we found Credit Saint a more transparent and more reliable company than The Credit Pros.

Credit Saint vs. Sky Blue Credit

Founded in 1989, Sky Blue Credit is one of the oldest US credit repair companies. It’s a fast and efficient credit repair provider, with an A+ score on BBB (not accredited) and dozens of client reviews detailing positive experiences with the company. 

Just like Credit Saint, Sky Blue Credit checks your credit history, and the credit report that goes with it, before it starts sending disputes to credit bureaus. The company will conduct thorough credit analysis and reveal even minor items on your credit report that can be disputed. 

In terms of commitment, reputation, and speed of service, both Credit Saint and Sky Blue Credit are excellent options. Sky Blue Credit is definitely one of the best alternatives to Credit Saint. 

The only point where the two companies differ substantially is the pricing models. While Credit Saint pros include three packages designed for different needs, Sky Blue offers just one, albeit comprehensive, flat-fee plan.

Read our review of Sky Blue's services

The Bottom Line

Credit Saint is a leading credit repair service with a knowledgeable and dedicated team of experts. The company’s most notable downside is the fact that its services are currently not available in several states, including Kansas, Mississippi, Oregon, and South Carolina, but hopefully, Credit Saint will remedy this in the near future. 

The Credit Saint customers praise the company’s efficient and fast credit repair process. You might be tempted to look for more affordable credit restoration services, but cheaper providers can’t deliver quality credit assistance services and the sort of educational resources that you get with Credit Saint.

Credit Saint costs are reasonable for the scope of credit repair service the company provides, and its Better Business Bureau accreditation and rating speak to its trustworthiness and reliability.

FAQ

How long does it take for Credit Saint to fix your credit?

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Credit repair is a long process with lots of factors to take into account. Unlike many other providers that offer one-day credit repair services, Credit Saint is a legit company, and it doesn’t promise impossible outcomes.

That said, you can expect to see improvements within 45 days. Importantly, Credit Saint offers a 90-day money-back guarantee if no progress is made on repairing your bad credit within the first three months.

 

Does Credit Saint have an app?

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Unfortunately, Credit Saint doesn’t have a mobile app that you can download on your mobile phone or tablet. This might be one of the company’s biggest drawbacks, especially when we compare it to the competition, like Lexington Law, which does have a mobile app. The only way to monitor your credit repair progress is to use desktop Credit Saint to login into your online account and review the changes there.

Can Credit Saint get late payments removed?

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Credit Saint can help you remove all sorts of derogatory marks from your credit report, including late payments and charge-offs. The company reviews your credit reports from all three major credit bureaus to check if there are late payments and whether it can remove them.

If a creditor reported you missed the payment due date, but you actually paid on time, Credit Saint sends disputes to credit bureaus to remove the incorrectly reported missed payment.

How long has Credit Saint been in business?

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Credit Saint has been in operation for over 15 years. It’s a credit repair industry leader. Numerous client reviews say Credit Saint’s specialists helped them eliminate negative items from their credit reports and repair credit scores. The company has a Better Business Bureau accreditation and A rating and offers a 90-day money-back guarantee - features that set it apart from many competitors.

How can I rebuild my credit fast?

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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, as they are good for your credit history. Disputing derogatory marks on your credit report is also an option, but that can take time.

If you encounter a problem 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?

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For the purpose of this Credit Saint credit repair review, we compared some of the well-known and reputable companies that provide credit repair services. In our opinion, Credit Saint and Lexington Law are among the best companies. Both offer a free consultation, excellent customer support, and efficient credit repair services.

Does credit repair hurt your credit?

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If done right, credit repair shouldn’t hurt your credit. This is why it’s important to do your research before attempting any restoration on your own. In case you don’t want to risk it, hire a professional credit repair company to take care of it. Start today: Dial the Credit Saint phone number and ask for a free consultation.

What is credit restoration?

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Credit restoration is the process of removing negative items from your credit history. These items - also called derogatory marks - can be found on credit reports issued by the three major credit reporting bureaus and include late payments and charge-offs. The Fair Credit Reporting Act gives you the right to dispute any information hurting your credit score that you believe is false. You can choose to do this yourself or hire a credit repair company to do it for you.

Based on numerous customer reviews of Credit Saint, as well as our own research, we strongly recommend this company as your credit repair counselor.

Does credit repair really work?

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Credit repair works, but there are no guarantees and no instant solutions. It takes time to build a good credit history and polish your credit score. In addition to managing your finances responsibly and in order to increase your chances of success, take advantage of credit repair companies, such as Credit Saint, that offer a free credit consultation. Credit Saint reviews your credit reports, and its team of experts gives you advice on how to most effectively repair your credit.