Credit Saint Review

No matter how careful you are with your finances, things happen, and they may affect your credit score more than you’d like. Whether it was a medical emergency or sudden unemployment, this can affect your credit and restrict your future spending.

Nonetheless, bad credit is something to fix. It’s possible to dispute mistakes in your credit reports on your own, but it’s a lot of work and time, especially for someone with no experience in the field. If you’re having financial problems, chances are you might not be able to do it alone, and that’s okay.

There are many credit restoration specialists, and their job is to help you understand what needs to be done, do the hard work on your behalf, and update you with every step. But, of course, not all credit repair companies are alike, and many predatory ones like to exploit the customer’s vulnerable financial situation for their advantage.

So, it’s essential to find a reputable credit repair company. One of the most famous companies is Credit Saint, and you can read our review for it below.

What Is Credit Saint?

Credit Saint is a New Jersey-based credit repair company that’s been around since 2006. It’s highly rated by the Better Business Bureau or BBB, Better Credit Blog, Consumers Advocate, and Consumer Affairs, thanks to its outstanding work and transparency with customers as a credit restoration company.

In addition, it offers free consultations and different affordable plans that cater to different budgets and restoration needs. Of course, the 90-day money-back guarantee doesn’t hurt either.

Naturally, anyone with a bad credit score that they’re trying to repair may wonder if Credit Saint is the right company for them. So, if you’re interested in learning whether and how Credit Saint can improve your credit and what it has to offer, continue reading.

Credit Saint Plans

1. Clean Slate (Most Popular)

Monthly payments: $119.99

Initial work fee: $195

The clean slate plan comes with the following features:

  • Tracks score
  • Analyses score
  • Intervenes with creditors
  • Targets inquiry
  • Monitores Experian
  • Mails disputes to the 3 credit bureaus
  • Challenges unlimited inaccurate items per dispute cycle

As the name suggests, this plan works on providing you with as much of a clean slate as possible. It’s the most aggressive plan, targeting the most prominent items on your report, including repossessions, bankruptcies, judgments, account charge-offs, and so much more.

Also, it includes the Dispute Avalanche process that allows you to tackle all questionable negative items in one go.

2. Credit Remodel

Monthly payments: $99.99

Initial work fee: $99

The credit remodel is also a good plan, as your assigned team:

  • Tracks score
  • Analyses score
  • Intervenes with creditors
  • Targets inquiry
  • Monitores Experian
  • Challenges to the 3 credit bureaus
  • Challenges 10 inaccurate items per dispute cycle

This plan is less aggressive than the clean slate. It tackles bankruptcies, repossessions, and more. However, it excludes judgment challenges and the Dispute Avalanche process.

3. Credit Polish

Monthly payments: $79.99

Initial work fee: $99

When you sign up for the credit polish plan, you get a team that:

  • Tracks score
  • Analyses score
  • Intervenes with creditors
  • Challenges to the 3 credit bureaus
  • Challenges 5 inaccurate items per dispute cycle

This is the most affordable plan and the least aggressive. It’s for customers that are only dealing with minor issues, which is quite common. Otherwise, if you’re dealing with judgments, repossessions, or bankruptcies, this isn’t the plan for you.

Credit Saint Refund Policy

One of the most important things you should review before working with a credit repair company is their refund policy. 

Thankfully, Credit Saint is quite open with its money-back guarantee. It isn’t unique for offering such a guarantee but for providing a full refund after 90 days.

According to the 90-day money-back guarantee, if you don’t find any questionable negative items removed from your credit within 90 days, you’re entitled to a full refund. That being said, you should know the company’s terms and conditions regarding the money-back guarantee.

In addition to the money-back guarantee, you can cancel at any time without paying any cancellation fees if you’re unsatisfied.

Pros and Cons of Credit Saint

90-day money-back guarantee: a money-back guarantee gives you the necessary peace of mind, knowing that you won’t pay for what you don’t get.Pricey initial work fees: the Credit Saint initial work fees range from $100 to $195, which is more expensive than most credit repair services.
Affordable monthly fees: while some credit repair companies scam their trusting customers into paying unreasonable fees, Credit Saint offers affordable monthly plans that match what the customer gets in return. They range from $80 to $120.Available in all but 9 states: if you live in Georgia, Kansas, Louisiana, Ohio, Oregon, Minnesota, Mississippi, Missouri, or South Carolina, you won’t be able to enjoy Credit Saint’s services.
BBB accredited: as a credit repair company accredited and highly rated by the BBB since 2007, Credit Saint has proven to have an excellent relationship with its customers.
Straightforward pricing: when you’re told about everything you’ll pay in accessible, easy-to-read plans with complete transparency, this feature sets Credit Saint apart from other companies.
No cancellation fees: if you need to repair your credit, you probably want to avoid additional fees, which makes the lack of cancellation fees an excellent feature for all users.

What Does Credit Saint Do?

If you’re wondering if a credit restoration company like Credit Saint can handle your issues, look for the type of items you’re dealing with below.


Dealing with collection accounts is something that most people want to avoid but unfortunately have to deal with at some point in time. If you’re trying to pay off a debt, you’re probably dealing with a collection agency. Unfortunately, debt collectors may ruthlessly attack you with calls and letters, thus staining your report.

One of the most effective ways to get rid of collections on your report is to get a company like Credit Saint to guide you along the way, by writing the creditor a goodwill request after paying what you owe. Credit Saint will also dispute any credit errors regarding collections.


If a lender has closed your account before you’ve paid what you owe, that’s a charge-off. Even after you pay them back, it still appears on your report as a “paid charge-off” and remains for up to seven years from the date of the delinquency.

What Credit Saint can do for you is contact the creditor or lender and dispute any errors. It can also negotiate a “pay-for-delete” to settle your debts. Fortunately, all the plans that Credit Saint provides allow it to challenge charge-offs.

Mortgage Correction and Derogatories

Missing payments on mortgages is more common than you think. And doing so will dramatically affect your credit score. Thus, it’s crucial to tackle that as soon as possible before it leaves a “mark”. Of course, Credit Saint offers to dispute and get any mistakes off your report.

Late Payments

Whether it’s one late payment or a series of them, this can happen to the best of us. Late payments can take their toll on your credit score. Thankfully, all plans offered by Credit Saint challenge late payments. So, if you have questionable late payments, leave it to the experts to get them removed.


Bankruptcy is one of the most intimidating words to most customers. That being said, contrary to popular belief, it isn’t the end of the world. While it takes a while to remove this item, rest assured that Credit Saint offers two plans that can challenge bankruptcies. If you have any mistakes on your report, whether it’s a clerical error or identity theft, Credit Saint can handle it for you.

Identity Theft

Identity theft is quite common, and it hits the victim like a ton of bricks. In the middle of the overwhelming realization that someone else has your credit card information, the existence of a legitimate credit restoration company like Credit Saint is paramount. That’s because it can get the mess that the thief has caused off your report.

Since it’s such a common problem, Credit Saint has included identity theft in all of its plans, meaning that you can resolve this issue without paying much.


Repossessions are a major derogatory event that can definitely make your credit score fall and affect your future financially. Like bankruptcies, they can stay up to seven years on your report, which is bad news. 

There are two types of repossessions: voluntary and involuntary. While both are damaging, the involuntary type hurts more because voluntary repossession shows that you were willing to cooperate before the repossession.

Sometimes, inaccuracies happen in a repossession, such as a wrong balance or an invalid date. In that case, Credit Saint can dispute the questionable information for you, which leads to its removal. 

In some lucky and rare cases, the creditor or debt collector may be willing to negotiate early removal for your repossession. It usually works if the reason you couldn’t pay your loan on time was completely out of your control, which creditors sometimes understand.

What Credit Saint Can Help You With

Have you ever wondered how credit repair companies work and what kind of steps they take to do so? Here’s how a trustworthy company like Credit Saint helps you correct your credit in detail.

Analyzing Credit Report

The first step to credit repair is analyzing the customer’s credit report. To illustrate, a personal advisory team that’s assigned to you will go over everything in your report and answer your questions for free so that you’re well-informed of your financial situation. Next, the team will develop a personalized credit repair plan.

Identifying Items to Dispute

This step is the most important, as the team identifies what they can remove. Many customers mistakenly believe that the best credit repair company can remove all negative items from the report, which is incorrect. 

Credit Saint and any other credit restoration company that abides by the law identify inaccuracies and fix them. Therefore, if the negative items are accurate or correct, there’s nothing that anyone can do to repair them. What you can do is rebuild your credit.

Disputing Inaccuracies

Now that the advisory team found inaccuracies that it can dispute, it communicates with creditors and the credit bureaus through customized dispute letters because there’s no one-size-fits-all letter.

The aggressiveness of tackling the negative items will depend on the plan that you picked. So, if you choose the basic plan, the team will dispute minor issues. However, if you choose the most comprehensive plan, they’ll tackle major items like bankruptcies, repossessions, and judgments.

Releasing a Credit Report

Credit Saint goes through one cycle of disputes every 45 days. After each cycle, it pulls out your updated credit report and updates the progress on your profile. Remember that you need to be patient between cycles because actual progress takes time.

What Credit Saint Can’t Help You With

It’s crucial to understand that Credit Saint, like any credit restoration company, doesn’t wave a magic wand to make all problems disappear. The reason is that there are laws and guidelines to abide by. 

If there’s no error or inaccuracy in the negative items on your credit report, the creditors won’t remove them, and it’s their right. In this case, you’ll have to rebuild your credit, rather than repair it.

Some credit repair specialists promise or guarantee that they’ll remove all negative information from your credit report, encourage you to dispute accurate information, or pressure you to pay before providing any services. Chances are they’re scamming you with sugar-coated promises.

So, it’s better to ask for help from credit repair companies that are open with you and realistic about what they can and can’t do.

How to Start on Credit Saint

Signing up is a pretty simple and straightforward process, even for those who’ve never dealt with a credit repair company before. There are two ways to sign up: you either call the company toll-free at 18776372673 or fill its form on the website and wait for the company to contact you.

Unlike predatory credit repair services, Credit Saint offers a free consultation, which means that when the company calls you, you’re still under no obligation to continue if you don’t like what the company has to offer.

Once you sign up, you’ll get an online page that shows you the progress of your credit repair program. Just like the signing up process, you can cancel either by calling the toll-free number or emailing the company.

How Does Your Credit Rating Affect Your Future?

If you’ve ever wondered why you should bother repairing bad credit, here’s the answer.

Interest Rates

Interest rates vary from one person to another. So, people with good credit get low interest rates because lenders tend to have more faith in their ability to repay their loan on time. As you can imagine, bad credit deems the person unfit for most loans, which means that your options are fewer and more expensive.

Access to Loans and Credit Cards

If you have good credit, every loan and credit card out there is fair game. No one turns someone with a good credit score and proof of income away. Meanwhile, people with bad credit struggle to get their loan or credit card applications approved, let alone get a good deal.

Getting a House or Renting an Apartment

It comes as no surprise that buying a house or renting an apartment for someone with good credit differs from another with bad credit. This is because landlords and property owners prioritize people with good credit. As a result, they can charge people with bad credit much higher interest rates or turn them away altogether.

Payment Methods

When you have good credit, you’re free to use whatever payment method that suits you without giving it a second thought. Cash or credit? Whatever you feel like. However, people with bad credit know that their score limits their freedom in payment methods. With bad credit, you might have to pay for things in cash to avoid further problems.

Final Thoughts

Repairing credit on your own isn’t impossible, but it’s challenging, to say the least. When you don’t know how to spot the fixable problems or negotiate with creditors about them, how can you really fix them? 

Getting free consultation from a reputable credit repair company like Credit Saint is the first step that should set you on the right track. After the consultation, it finds the mistakes on your report and fixes them. If a problem is negotiable with the creditor, the company negotiates on your behalf as well.

Credit Saint has built its reputation on handling credit repair problems while setting realistic goals that respect the customer’s time and money. As a credit repair service, it also offers different plans because it knows that one size doesn’t fit all.