If you’ve struggled with past credit issues and collection companies won’t leave you alone, Credit Saint’s credit repair and monitoring packages may be worth considering. The company offers to contact credit bureaus directly to challenge inaccuracies on your credit report and get them removed. Credit Saint offers three tiers of service: Credit Polish, Credit Remodel, and Clean Slate. Each service package offers slightly different features, with Clean Slate designed for customers who need the most aggressive credit repair solutions. 

Each Credit Saint package provides a certain number of challenges to credit report information at the three major credit bureaus, Equifax, Experian, and TransUnion. Customers also get credit score analysis and monitoring, as well as creditor interventions.

As part of reviewing Credit Saint, we evaluated 17 credit repair companies in the following categories: costs and fees (40.5%), services offered (34%), customer experiences (22.5%), and stability (3%).

Pros Explained

• 90-day money-back guarantee: If inaccurate or questionable items are not removed from your credit reports within 90 days, Credit Saint guarantees a full refund. 
• Offers free credit repair consultation: Credit Saint offers a free credit repair consultation for new customers, which can help you determine which package makes the most sense for you. 
• Option to cancel anytime: Unlike some competitors that have complicated cancellation policies, Credit Saint lets you cancel its services at any time.

Cons Explained

• Doesn’t dispute with creditors: Instead of sending dispute letters to creditors, Credit Saint files disputes with the major credit bureaus. Some competitors do both. 
• Five days to first work: After you sign up for a package, you’ll need to wait five days before the Credit Saint team begins working on your behalf. That may be a long time if your financial situation is dire, and it’s longer than that of many other companies. But this isn’t a huge downside because the credit repair process takes some time. 
• Relatively high first work fee: Credit Saint’s initial work fee is a hefty $99 for its lower-tier packages and $195 for its top-tier package. These fees are higher than many competitors charge.

Types of Services

Customers seeking specialized credit repair solutions for their needs might find what they’re looking for with Credit Saint. As mentioned, it offers three packages. If you’re seeking minor or moderate help, you might choose its Credit Polish or Credit Remodel packages. Those needing extensive assistance could benefit from its Clean Slate package. 

Here’s how each plan compares, plus additional details about the services offered.

	Credit Polish	Credit Remodel	Clean Slate
Aggressiveness	Medium	High	Very High
Credit bureau disputes	Limited	Limited	Unlimited
Score analysis and monitoring	✓	✓	✓
Creditor interventions	✓	✓	✓
Inquiry tracking		✓	✓

Credit Bureau Disputes

Unlike some competitors, Credit Saint conducts disputes with the three major credit bureaus as opposed to individual creditors. Its Clean Slate package offers unlimited credit bureau disputes, while its lower-tier packages offer a limited number. Disputes are issued every 45 days. Unfortunately, it isn’t clear from the Credit Saint website how many disputes are offered with the lower-tier packages. 

Score Analysis and Credit Monitoring

Customers who sign up for a Credit Saint credit repair package will get a detailed credit analysis. This provides explanations of how certain actions can improve or damage your credit. You’ll also get a credit monitoring account with CreditSquad.com.

Creditor Interventions

Since Credit Saint indicates that it doesn’t dispute inaccuracies with individual creditors, you’d think they would specify what creditor interventions they offer. Unfortunately, this information isn’t available on the Credit Saint website. If you’d like specifics on creditor interventions, be sure to discuss this during your free consultation. 

Inquiry Tracking

Credit Saint customers get inquiry tracking with the Credit Remodel and Clean Slate packages. The details the company provides about its inquiry tracking services are limited, though it’s likely this service involves staying on top of credit inquiries made to the credit bureaus. 

Optional Add-Ons

As far as add-on services go, Credit Saint’s offerings are limited. Other competitors may provide additional features like debt management plans or budgeting tools, but Credit Saint only offers one additional service. According to a company representative, Credit Saint offers identity theft insurance. But it comes at an extra cost, and details about this coverage and pricing are limited. 

Features

Besides its service packages, Credit Saint provides the following features for its customers. 

• Free credit repair consultation: New customers can get a free credit repair consultation with a member of the Credit Saint team. This could help you decide which service package is best for you.
• Money-back guarantee: Credit Saint offers a money-back guarantee if no questionable or inaccurate items are removed from your credit reports in the first 90 days. 
• Discount opportunities: New customers can take advantage of $15 off Credit Saint’s first work fee. Plus, the company offers referral and spousal discounts. However, it’s unclear how to access these discounts or how much of a discount you’ll get.
• Customer portal: Customers can track the progress of Credit Saint's repair efforts through an online portal.

Customer Service

Credit Saint offers several channels for its customers to get in touch, though customer service hours aren’t specified.

• Phone: (877) 637-2673
• Email: support@creditsaint.com
• Live chat: Unlike some competitors that don’t have this option, Credit Saint offers a live chat feature on its website. 
• Ticket: Credit Saint has a support ticket feature for its customers. 

In addition to its customer service options, Credit Saint has a frequently asked questions page with useful information about credit repair. 

Company Reputation

The Consumer Financial Protection Bureau (CFPB) has a useful database that you can use to research credit repair companies and review customer complaints. A recent search for Credit Saint brings up one complaint in 2022, which expresses dissatisfaction with the company’s credit repair services. Bear in mind that a low number of CFPB complaints doesn’t necessarily mean a company has a great reputation.

On Trustpilot, Credit Saint receives an average of 3.9 stars (Great) out of five across 97 consumer reviews. Happy customers praise Credit Saint’s customer service team and express satisfaction with their free consultations. Negative reviews mention questionable cancellation policies and a lack of results. 

Contract Duration

Those who sign up for a Credit Saint package aren’t bound by a long-term contract. You can cancel your service at any time, and in certain cases, you may be eligible for a 90-day money-back guarantee. 

Cost

Credit Saint charges an initial work fee of $99 and a monthly fee of $79 for its lowest-tier Credit Polish package. Its mid-tier Credit Remodel package costs $99 per month, and the same initial work fee applies. Those who opt for the Clean Slate package will pay $119 per month and an initial work fee of $195. 

While there may be an opportunity to get a $15 discount on your initial work fee, Credit Saint doesn’t provide information on how to access this discount. 

How to Choose a Credit Repair Company

If you’re researching credit repair companies, you’ll want to consider the following: 

• Cost: What is the monthly cost of each service package? Is there a first work fee? Compare pricing as you shop around. 
• Services: Do specific packages provide all the services that you need?
• Additional features: Does the company offer any additional features that could help improve your credit or financial situation? For instance, does it have a debt management program or budgeting tools available? What about a mobile app? Review available features to see if there are any that appeal to you.
• Discounts: Is there any way to reduce the first work fee or monthly cost of services? Look into available discounts to learn about your options to save. For example, some companies provide discounts for couples or military members.
• Customer portal: Is online access available so that you can monitor the progress of your credit repair?
• Customer service: Is customer service available when you need it? Does the company offer phone, email, and live chat support? Look into hours of operation as well as ways to connect with a representative. 
• Cancellation policy: Will you be stuck in a long-term contract or can you cancel anytime? Research or ask about company cancellation policies before you sign up. The best companies have easy cancellation policies and money-back guarantees.

Alternative Choices

	Credit Saint	Lexington Law	Sky Blue
Services Offered	Credit monitoring, hard inquiry disputes, identity theft insurance	Credit monitoring, hard inquiry disputes, debt management, identity theft insurance	Credit monitoring, hard inquiry disputes, debt management
Maximum Number of Disputes	Not disclosed for lower-tier packages; unlimited for top-tier package	19 per 45–60 days	Unlimited
Letters to Creditors/Bureaus	Not disclosed	Collections, late payments, charge offs, liens, bankruptcies, repossessions	Debt validation, goodwill, cease & desist
Minimum First Work Fee	$99	$89.95 ($24.99 per customer support)	$79
Minimum Monthly Fee	$79	$99.95 ($24.99 per customer support)	$79
Customer Service Platforms	Phone, email, live chat, ticket	Phone, email, live chat, ticket	Phone, ticket

Final Verdict

Credit Saint offers tiered service packages, which is useful. But the information it provides about its services and features is limited, and prices for its packages are relatively high compared to competitors. While customer feedback is decent and the volume of customer complaints it’s received is low, the lack of clear, actionable information on its website is concerning. If you’re considering Credit Saint, make sure to ask detailed questions about its offerings during your free consultation with a representative.

Frequently Asked Questions

How Much Does Credit Saint Repair Cost?

Credit Saint's three service packages cost $79.99, $99.99, and $119.99 per month. Each package also has an initial work fee ($99 for the lower-tier options and $195 for the top option).

What Services Does Credit Saint Offer?

Credit Saint will challenge the credit bureaus about credit report inaccuracies/mistakes that can have a negative effect on your credit score. It can request the removal of unauthorized hard pulls and the incorrect reporting of late payments. It can also deal with repercussions associated with identity theft.

How Long Does It Take for Credit Saint To Clean Up Your Credit?

The company indicates that service packages are designed for a 45-day resolution cycle.

What's the Advantage of Using a Credit Repair Company Like Credit Saint?

While you can certainly handle the analysis of your various credit reports and the process involved in removing incorrect information from them, it can be time-consuming, frustrating, and require an enormous effort. Paying experienced professionals to handle this sometimes arduous process can be worth the cost.

Methodology

Our team evaluated 17 credit repair companies and collected over 600 data points before selecting our top choices. We weighed 39 criteria, giving the highest weights to those that are the most significant for customers. The top picks were selected based on:

• Costs and fees (weighted 40.5% in total)
• Services offered (34%)
• Customer experience (22.5%)
• Stability (3%)

We took into account factors like how many disputes will be sent per month, what kinds of dispute letters will be sent, cancellation and return policies, and how long companies have been in business. This information was used in our company's star ratings and best picks.