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Credit Saint
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Credit Saint

 4.9/5 (158 ratings)
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Credit Saint

About Credit Saint

Are you interested in restoring your credit? The professional advisors at Credit Saint can create a plan that helps you build positive credit. Its program works in 45-day cycles in which you receive credit reports that inform you of negative items that have been removed from your credit report. The program is backed up by Credit Saint's 90-day money-back guarantee, and you can expect a full refund if you don’t see negative items removed in the first 90 days.

    Overall Satisfaction Rating

    • 5 stars
    • 4 stars
    • 3 stars
    • 2 stars
    • 1 stars

    Pros

    • 3 levels of service
    • Deals with every type of negative item
    • 90-day money-back guarantee

    Cons

    • Only available in 41 states

    Bottom Line

    Credit Saint offers credit repair services, education and personalized restoration plans with a 90-day money-back guarantee.

    Top Credit Saint Reviews

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    Rated with 5 stars
    Verified

    They took the time to really teach me a lot on the initial phone call. What is actually damage and what is not. I like that she told me the truth rather than use a scare tactic. I...

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    Rated with 5 stars
    Verified

    Tonight we ate Chinese food on the floor of an apartment we could not get 6 months ago. It was the best food we ever ate in a place of our own. Finally. We were living with family...

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    What is Credit Saint?

    Credit Saint provides professional credit repair services that help you restore your credit by removing inaccurate, misleading or biased entries that lower your credit score. The company has more than 15 years of experience and offers personalized restoration plans based on your needs. Credit Saint also provides educational resources to help you maintain your credit score after it has been repaired.

    The company also gives you access to an online account page that lets you track your credit repair progress. The page includes a timeline, progress report and credit analysis.

    How does Credit Saint work?

    Start your credit repair journey with Credit Saint’s free credit evaluation. The company's certified credit specialists work with you to challenge inaccurate or negative items on your credit report, including:

    • Late payments
    • Identity theft
    • Charge-offs
    • Collections
    • Bankruptcies
    • Liens
    • Repossessions
    • Judgments

    Credit Saint's specialists use their industry experience to create custom arguments for each challenge, which is the most effective strategy when attempting to have negative entries removed from your credit report. Removing negative entries typically results in an increased credit score, which helps you get approved for mortgages, receive better APRs on credit cards and qualify for auto loans.

    How much does Credit Saint cost?

    Credit Saint offers three different levels of service at varying price points. Each level of service is designed to tackle specific aspects of credit repair.

    1. Credit Polish: $99 first work fee, then $79.99 per month. This moderately aggressive service targets some of the most common types of negative entries, including late payments, charge-offs, collection reports and inaccurate entries caused by identity theft.
    2. Credit Remodel: $99 first work fee, then $99.99 per month. This is a more aggressive service that includes escalated information requests, making it ideal for people with repossessions or bankruptcy items on their credit reports.
    3. Clean Slate: $195 first work fee, then $119.99 per month. Credit Saint’s most aggressive plan deals with any item on your credit report, including judgments.

    The company includes a 90-day money back guarantee, and clients can cancel service at any time.

    Credit Saint FAQ

    Where does Credit Saint do business?
    Credit Saint does business in 43 states and Washington, D.C. It does not offer credit repair services in the following states:
    • Georgia
    • Kansas
    • Louisiana
    • Michigan
    • Oregon
    • Mississippi
    • South Carolina
    How will Credit Saint improve my credit?
    Credit Saint improves your credit by assigning your case to a personal advisory team that works to remove negative or inaccurate items from your credit report. Your advisory team stays in contact with you throughout the entire process, keeping you updated while counseling you on how to build a stronger credit history.
    Does Credit Saint have a money-back guarantee?
    Yes, because of Credit Saint’s 90-day money-back guarantee, you’re eligible for a full refund if you don’t see questionable items removed from your credit report within 90 days of starting the credit repair process.
    Is Credit Saint a legal credit repair service?
    Yes, Credit Saint is a legal credit repair service that offers three different levels of credit repair services.
    What are Credit Saint’s hours?
    Credit Saint is open seven days a week and offers 24/7 online chat and email service.

    Is Credit Saint legit?

    Credit Saint is a strong choice for customers who need help raising their credit score. The company has more than 15 years of credit restoration experience and offers different levels of service to suit a variety of needs. Credit Saint also helps you maintain your credit score once it has been repaired. If you’re struggling with a low credit score because of negative items on your credit report, check out Credit Saint’s website for more information on its comprehensive credit services.

    Credit Saint video review

    credit saint video review
    Rikard: Hi, my name's Rikard. I live in Arizona, and I have developed a new product with two patents that prevents fires in both commercial and residential buildings. I haven't chosen any other credit sites. I've always gone with Credit Saint. I signed up online. I gave them my first, middle, and last name. I gave him my Social Security number and the bills I'm paying. So that's about it. The Credit Saint people are knowledgeable, proactive, wonderful service. It was very good using Credit Saint because they are very proactive, very courteous, very knowledgeable. So that's why I signed up.

    Credit Saint Reviews

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    How do I know I can trust these reviews about Credit Saint?
    How do I know I can trust these reviews about Credit Saint?
    • 3,699,411 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    For more information about reviews on ConsumerAffairs.com please visit our FAQ.

    Page 1 Reviews 0 - 5
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 18, 2022

    It was very informative and helpful, I feel better already. I’m very pleased and happy with the help I got on the phone. They were very professional and made it easy to understand what it is I was dealing with. I look forward to them helping me now and in the future to get my life back on track. I’m very happy, pleased with the results and I look forward to more info as time goes by to be able to get the life back I need in order to gain control of my credit again.

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Feb. 17, 2022

      Received a call minutes after I contacted Credit Saint and found that their employee Ethan was so so incredibly helpful and didn't push anything on me. He answered all questions and really just sold me with how transparent about everything he was! I ended up purchasing a plan because he was able to work with my payment date and I couldn't be more grateful. I was extremely impressed with how smooth everything went and how well he broke everything down into layman terms for me over the phone and he also answered general credit related questions. Great representation of the company and I look forward to all the help they have to offer!

      2 people found this review helpful
      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: Jan. 26, 2022

      The interview was very in-depth as expected. While there was no pressure for an up-sale, their top of the line program was offered as the best choice. Recognizing and discussing my goals was the first important step! However, be prepared to have answers regarding dates and any life events that may have precluded you making or why you may have missed a payment in your history. Again, very in-depth…we’ll see what the first 90 days offers. Speaking of 90 days, the money back guarantee has some narrow stipulations, and the key is not your satisfaction, but their ability to have something, anything, regardless of how minor or insignificant and/or even if the change doesn’t change your score, a change is…a change! So, be prepared to pay for at least 3-6 mos and good luck! (I’ll update in 3 mos if there is any positive movement.)

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Nov. 22, 2021

      I couldn't be more impressed and satisfied with the service I received throughout the entire set up phone call. The lady who helped me was incredibly patient, kind, humorous, and thorough in answering all my questions and explained everything beautifully. It was wholeheartedly an absolute pleasure, which is saying something considering these kinds of experiences rarely are. I may forget your name as I do all names, but I won't soon forget how pleasant our chat was, thank you. :)

      2 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: May 26, 2021

      At first, the idea of reaching out to anyone when trying to fix bad credit can be scary. I spent quite a bit of time and did my research on which credit repair company or a restoration company may be the best fit for me. I am very busy working full-time and being a single mom while also trying to go to school myself. I simply called to get some information and felt that I was met with very peaceful and polite help from the person that took my call! Once Damien explained everything to me it felt like it was the right step to take so I could finally get my life back from my not so great credit.

      We all have to start somewhere when it comes to rebuilding after something bad happens. I appreciate the willingness and wanting to help. The customer guarantee is excellent not many other Companies have as high of a success rate. It was very nice to talk to somebody who was knowledgeable and wanted to help. I felt like they really cared and took the time to tailor my situation to how to help me further improve. They also gave me information that I did not know about in terms of credit and how to do better or improve what things look good/bad. I hope that everyone is able to have the experience with Damien that I did today! He is excellent. I appreciate his help so very much! I’m now on track to rebuilding my life and I am happy to see where I can get to!

      4 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: April 9, 2022

      The staff there are nice, patient and friendly plus very helpful and they helped me fix my credit scores paying monthly. I have my debts go to collections and lawyers and my bills went to all of them. I have medical bills too at collections plus the lawyers. Returning customer here to do it again. Good to hear same people!

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: April 8, 2022

      The receptionist Caroline was very thorough and helped with expediting the setup process for the credit repair. She also help me with getting everything set up for the online portal. I recommend her as a specialist and helping with setting up the credit account. Thanks again.

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: April 4, 2022

      Just signed up to Credit Saint with Ethan and he was very informative and clear on all instructions. He answered all my questions and made me feel comfortable with this service and I hope to see great results. Thank you.

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: March 31, 2022

      Liberty was super sweet and helpful during my whole phone call. She was patient, informative with all of the pieces of information she was sharing with me. I did not feel pressured into anything. Thank you Liberty for being such a pleasant individual!

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: March 30, 2022

      Joseph, your paralegal, was patient, articulate and jovial. Those things made a huge difference. He patiently went over 10 items, explaining them in detail to me, and allowing me to ask questions as he went along with no hint at all that I was putting him out by asking. So friendly and willing to help. That's why I decided to enroll. Thank you, Joseph the Paralegal of Credit Saint!

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      Credit Saint Company Information

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      Credit Saint
      Website:
      www.creditsaint.com