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Credit Saint Review: What You Need to Know Before You Sign Up

Find out what Credit Saint can do to help repair your credit.

Let’s get this out of the way first, credit repair companies do nothing that you can’t do for yourself with the right credit repair tips.

What the best credit repair companies do is save you the time and leg work required to fix your credit. That’s where companies like Credit Saint can help.

In this in-depth review, we’ll explore Credit Saint’s services, pricing, customer reviews, and more. So, if you’re ready to take control of your credit and improve your financial future, keep reading to find out if Credit Saint is right for you

Who is Credit Saint?

Credit Saint is a leading credit repair company headquartered in New Jersey and operating since 2004. Over the years Credit Saint has helped over 200,000 clients worldwide improve their credit scores through personalized credit repair solutions tailored to individual needs.

How does Credit Saint work?

Credit Saint works by following a strategic process to identify and address the issues affecting your credit score. Their team of experts review your credit report, looking for any errors or inaccuracies that may be negatively impacting your score.

They then work with the credit bureaus to dispute and remove any inaccurate information.

One of the key aspects of Credit Saint’s approach is their personalized credit repair solutions. They understand that every individual’s credit situation is unique, so they tailor their services to meet your specific needs.

Whether you have late paymentscollection accountsbankruptcies, or other negative items on your credit report, Credit Saint has the expertise to develop a customized plan to address those issues.

Credit Saint also offers a suite of additional services to further enhance your credit repair journey. These services include debt negotiation, inquiry targeting, and score analysis. 

By leveraging these additional services, Credit Saint aims to provide a comprehensive solution to help you achieve your credit goals.

Services offered by Credit Saint

Credit Saint offers three main service packages:
Plan nameServices includedPricing
Credit Polish
  • Challenges to the 3 Credit Bureaus
  • Score analysis
  • Educational Content
  • Saint Legal Watch™
  • 90 Day Money Back Guarantee
$99 one-time initial fee, $79.99 monthly fee
Credit Remodel
  • Challenges to the 3 Credit Bureaus
  • Score analysis
  • Educational Content
  • Saint Legal Watch™
  • Inquiry Targeting
  • One-Bureau Report and Scores
  • Real-Time Account Sync
  • 90 Day Money Back Guarantee
$99 one-time initial fee, then $99.99 monthly fee
Clean Slate
  • Challenges to the 3 Credit Bureaus
  • Score analysis
  • Educational Content
  • Saint Legal Watch™
  • Inquiry Targeting
  • One-Bureau Report and Scores
  • Real-Time Account Sync
  • Creditor Intervention Letters
  • Score Tracker
  • Personalized Guide to Building Credit
  • Three-Bureau Reports and Scores
  • 90 Day Money Back Guarantee
$195 one-time initial fee, then $99.99 monthly fee
Learn More

Each package is designed to address different credit repair needs, allowing you to choose the option that best suits your goals and budget.

While Credit Saint’s pricing may be higher compared to some other credit repair companies, many customers find the investment worthwhile due to the quality of the services provided and the positive results they achieve.

The Credit Polish package is the entry-level option and focuses on the fundamental aspects of credit repair. It includes credit bureau disputes, personalized dispute options, and score analysis.

  • Best for individuals who have a few negative items on their credit report and want to improve their score.

The Credit Remodel package is the most popular option offered by Credit Saint. It includes all the features of the Credit Polish package, along with additional services such as debt validation, goodwill letters, and escalated information requests.

  • Best for individuals with more complex credit issues who require a comprehensive approach to credit repair.

The Clean Slate package is Credit Saint’s most comprehensive offering. In addition to the services included in the Credit Remodel package, it also provides identity theft restoration assistance and public records assistance.

  • Best for individuals who have significant credit issues and require a more intensive credit repair solution.

Pros and cons of Credit Saint

Like any credit repair service, Credit Saint has its pros and cons. Let’s take a closer look at the advantages and disadvantages of using Credit Saint to repair your credit.


  • Experienced team of credit experts. Credit Saint boasts a team of highly skilled credit professionals who have years of experience in the industry. Their expertise and knowledge ensure that you receive the best possible service.
  • Personalized credit repair solutions. Credit Saint understands that everyone’s credit situation is unique. They offer customized solutions tailored to your specific needs, ensuring that you receive targeted assistance.
  • Transparent and results-driven approach. Credit Saint provides detailed progress reports, keeping you informed about the status of your credit repair journey. They are committed to delivering results and offer a 90-day money-back guarantee to back it up.


  • Limited availability. Credit Saint is currently only available in certain states. Before signing up, make sure to check if their services are available in your area.
  • Higher pricing compared to some competitors. While Credit Saint’s services are effective, they may be more expensive compared to some other credit repair companies. However, the quality of their services often justifies the higher price point.

Customer reviews and testimonials

It’s always important to consider the experiences of other customers before making a decision. Credit Saint has received numerous positive reviews and testimonials from satisfied clients who have seen significant improvements in their credit scores.

Many customers praise Credit Saint’s personalized approach and the expertise of their credit repair specialists. They appreciate the regular progress updates and the transparency throughout the process.

Customers also highlight the positive impact Credit Saint’s services have had on their credit scores, with some reporting score increases of over 100 points.

While there are some negative reviews as well, it’s important to consider that credit repair is not a guaranteed overnight solution. Results may vary depending on the complexity of your credit issues and other factors.

However, the overall positive customer feedback indicates that Credit Saint’s services have helped many individuals achieve their credit goals.

Comparing Credit Saint with other Credit Repair Companies

When considering a credit repair service, it’s important to compare different companies to find the one that best suits your needs.

Here’s a quick comparison between Credit Saint and two other popular credit repair companies: Lexington Law and Sky Blue Credit Repair.

Credit Saint vs. Lexington Law

  • Both companies have a team of experienced credit repair specialists.
  • Credit Saint offers a 90-day money-back guarantee, while Lexington Law provides a 50% discount on your first month’s service if you’re not satisfied.
  • Credit Saint offers a Clean Slate package, which includes identity theft restoration assistance and public records assistance. Lexington Law does not offer these services.

Credit Saint vs. Sky Blue Credit Repair

  • Both companies offer personalized credit repair solutions tailored to individual needs.
  • Sky Blue Credit Repair offers a 90-day money-back guarantee, similar to Credit Saint.
  • Credit Saint provides more comprehensive services, including debt negotiation and score analysis, which are not offered by Sky Blue Credit Repair.
Take a look at the 5 best credit repair companies and what they offer.

Frequently asked questions about Credit Saint

How long does it take to see results with Credit Saint?

The time it takes to see results with Credit Saint can vary depending on the complexity of your credit issues. However, many customers report seeing improvements within the first few months of working with Credit Saint.

Can Credit Saint remove all negative items from my credit report?

While Credit Saint strives to remove as many negative items as possible, it’s important to note that the removal of certain items may not be guaranteed. Credit repair is a complex process, and the outcome depends on various factors.

Can I cancel my Credit Saint subscription at any time?

Yes, Credit Saint operates on a month-to-month basis, and you can cancel your subscription at any time without any long-term commitments.

Does Credit Saint offer a free consultation?

Yes, Credit Saint offers a free consultation to assess your credit repair needs and provide personalized recommendations.

Is Credit Saint worth it? Our verdict

After thoroughly reviewing Credit Saint’s services, pricing, customer reviews, and comparing them with other credit repair companies, we believe that Credit Saint is a reputable and reliable credit repair service worth considering.

Ultimately, the decision to sign up with Credit Saint should be based on your individual credit repair needs and budget. We recommend taking advantage of their free consultation to get a better understanding of how Credit Saint can help you achieve your credit goals.

Their commitment to delivering results, backed by a 90-day money-back guarantee, provides peace of mind and shows their dedication to customer satisfaction.

Learn More

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