Credit Saint Review

By Gerald Dunigan

Our rating: 4.5 / 5
Credit Saint highlights
  • Unlimited challenges
  • Customized arguments
  • Credit rebuilding guidance
  • Experian monitoring
  • Free credit consultation

Looking for up-to-date Credit Saint reviews? This review covers all the vital aspects of this credit repair company, including:

  • Particulars of the pricing plans and differences between them;
  • Strengths of the service;
  • Credit repair methods;
  • Common Credit Saint complaints;
  • Comparison with other top players.

Why choose Credit Saint? It consistently features among the top three credit restoration firms. Customers are covered under a service guarantee and with the assurance of quality services.

Credit Saint offers free credit consultations and personalized disputes. The company has a lengthy track record of providing credit repair for more than 17 years. Their tagline is “Services Tailored to Your Needs.” Do they live up to this promise? Let’s find out in this Credit Saint review 2021.

What Is Credit Saint?

Based in Mahwah, New Jersey, Credit Saint is a fast-growing credit restoration company. Its mandate is to help customers find errors in their credit histories and remove them.

They do this by submitting dispute letters to CRBs, asking for verification of the erroneous information. If the CRB can’t verify that negative entries are accurate or fair, they have to remove them. Consider that a wrongly reported late payment can decrease FICO scores by up to 110 points.

On Credit Saint’s LinkedIn page, there are about 41 employees. It includes LinkedIn users who have listed the company as their workplace and may not represent the total employees’ number. Part of their team includes customer advisers, specialists, and advocates.

Credit Saint’s vision is to put clients first before profits, and its mission is to fight for fair and accurate credit reports. Their client’s financial health defines their success.

How Does Credit Saint Operate?

On their homepage, Credit Saint has outlined their three-step process. New users first receive a free CreditSquad.com account. It allows them to access their reports and provides credit monitoring.

Next, Credit Saint guides the client through the inquiry assist process. Working with a credit advisor, you identify questionable negative items. All that’s required is some prior knowledge about your past credit accounts. It makes spotting errors such as incorrect accounts or wrongful reporting easier.

The inquiry assist gives Credit Saint the right information to challenge the CRBs. By obtaining user input, they customize the letters for higher chances of success.

Credit Saint goes the extra mile to promote credit awareness. Clients receive guidance on ways to generate positive credit history, for instance, through paying bills or taking out credit building loans.

How Does Credit Saint Operate

Credit Saint Service Areas

The company doesn’t offer its services in all states. They currently accept customers in:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Hawaii
  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • Massachusetts
  • Minnesota
  • Missouri
  • Montana
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Benefits of Credit Saint

Credit Saint is a trusted and reliable credit restoration service. It has garnered lots of positive reviews from past customers and independent reviewers. We have also ranked it among the top seven repair companies. Their biggest advantages include:

  1. Service guarantee: Credit Saint acknowledges that removing questionable negative items is not an exact science. Sometimes they are unsuccessful. That’s the reason for offering their guarantee. If there are no negative items removed in 90 days, the customer may claim their full refund.
  2. Effective services: Customers will work with a well-known brand known for its effectiveness. The company doesn’t have a history of violating CFPB rules or going against the Credit Repair Organizations Act.
  3. Personalized approach: We like that Credit Saint attempts to offer real human help. They have not automated every bit of their credit repair process like some top providers. You get credit rebuilding guidance that will outlast the benefits of their service.
  4. Custom challenges: Credit Saint customizes each argument when attacking individual items. It promotes a higher chance of success.

Limitations of Credit Saint

We have found several limitations when analyzing Credit Saint. But they are not likely to heavily impact the effectiveness of the core service:

  1. Lacks a well-rounded website: We have not found online tools such as a credit score estimator. They don’t have a well-organized education section. There is only a blog section with occasional articles.
  2. Conditional service guarantee: The money-back guarantee has several conditionals and non-performance events. Eligibility starts after 90 days, and refunds are also limited to 90 days.

Credit Saint Complaints

We have found several complaints brought against Credit Saint. On their Better Business Bureau page, they have closed 47 complaints in the last three years. Many customers complain about not seeing results despite signing up for several months. It’s a common complaint across all credit repair companies.

Now, we focus on how the company responds to complaints. So, how has it performed?

In one recent case dated 09/21/2020, the customer had signed up with Credit Saint but did not see any improvements. The team requested her to wait for at least two months to see changes. Later, she contacted the company asking for a refund but could not reach the person handling her case.

Credit Saint Complaints

We liked the response on Credit Saint’s BBB page. After auditing her account, they issued a refund.

It’s worth noting that results are not going to be immediate. Most companies have a dispute cycle of 45 days. That’s because creditors may take 30 days to complete their investigation. Sending communications and processing report changes also takes some time. The first results may trickle in the second month of service.

How Much Does Credit Saint Cost?

How Much Does Credit Saint Cost

Clients can select from three Credit Saint fees. “Clean Slate” is the company’s most popular and aggressive package. It includes:

  • Unlimited challenges to all the CRBs per dispute circle;
  • Score analysis: Providing an in-depth analysis of credit history;
  • Creditor interventions: Sending cease-and-desist letters or goodwill letters to creditors;
  • Score tracker & Experian monitoring;
  • Inquiry targeting: Coming up with a plan to target questionable negative entities.

The monthly fee is $119.99. But the initial fee is $195. With most credit repair companies, the monthly fee is always equal to the charge for initial work. So, for the first month of service on Clean Slate, you’ll pay about $315.

Credit Remodel goes for $99.99. It’s $20 cheaper than the Clean Slate Package and includes all its features. But the dispute challenges are only 10 per dispute cycle. The initial work fee is $99, and you’ll pay about $199 for the first month of service.

Credit Polish is the cheapest package at $79.9 but it doesn’t include Inquiry Targeting and Experian Monitoring. Disputes are 5 per cycle. With an initial work fee of $99, it means paying about $179 for the first month of service.

Credit Saint prices are not the most affordable. We don’t like the high initial cost associated with the Clean Slate package. It also puts pressure on Credit Saint to prove to customers that they are getting value for their money.

When budgeting for credit repair, set aside enough funds to cover three months of payments. To qualify for their refund policy, it also takes 90 days of continuous service.

Alternatives to Credit Saint

Let’s compare Credit Saint with some of the best credit repair companies. Get a quick snapshot of their affordability and completeness of packages.

Credit Saint vs. Sky Blue

Sky Blue has a longer track record of credit repair than Credit Saint. Their 90-day money-back guarantee has fewer conditions compared to the Credit Saint guarantee. The one pricing package at $79 a month is much simpler to understand.

Credit Saint’s top package costs more but offers unlimited dispute challenges. Sky Blue clients receive 5 dispute challenges per bureau for each dispute cycle.

Sky Blue Credit Saint
Credit repair experience 32 yrs (1989) 17 yrs (2004)
Guarantee 90-day Money-back 90-day Money-back
Pricing range $79 single package $79.99 — $119.99
Initial work fee $79 $99 — $195
Estimated 1st-month fees top plan $158 $315
Services Limited Challenges

Score analysis & monitoring

Creditor interventions

Credit rebuilding guidance

SOL Research

Unlimited Challenges

Score analysis

Experian monitoring

Creditor Interventions

Inquiry target

Mobile Applications Not Available Not Available

Credit Saint vs Lexington Law

Lexington Law offers a lawyer-led credit repair process. They have excellent client tools and apps with a solid market reputation. Lexington Law’s top package costs about $130 compared to the $120 per month for the Clean Slate package.

The estimated first-month fees for the top plans differ by $40. Choosing Lexington Law over Credit Saint may not result in huge savings. The latter gets an upper hand by offering a 90-day money-back guarantee and unlimited challenges.

Lexington Law Credit Saint
Credit repair experience 17 yrs (2004) 17 yrs (2004)
Guarantee Not offered 90-day Money-back
Pricing range $89.85 — $129.95 $79.99 — $119.99
Initial work fee $89 — $129 $99 — $195
Estimated 1st-month fees top plan $275 $315
Services Limited Challenges

Score Analysis

Inquiry target

TransUnion monitoring

FICO Analysis

Creditor Interventions

Personal finance manager tools

Identity protection & insurance

Credit score coaching

Unlimited Challenges

Score analysis

Experian monitoring

Creditor Interventions

Inquiry target

Mobile Applications iOS & Android Not Available

Creditrepair.com vs Credit Saint

Credit Saint has more years of credit experience than creditrepair.com. They offer a service guarantee and unlimited challenges.

With creditrepair.com, their Advanced plan only includes 19 challenges per dispute cycle. The first limitation of Credit Saint is the lack of mobile apps. Customers have to use the browser-based portal for credit monitoring and case tracking. The initial work fees for Credit Saint are also more expensive.

CreditRepair.com Credit Saint
Credit repair experience 9 yrs (2012) 17 yrs (2004)
Guarantee Not offered 90-day Money-back
Pricing range $69.95 — $119.95 $79.99 — $119.99
Initial work fee $69.95 — $119.95 $99 — $195
Estimated 1st-month fees top plan $255 $315
Services Limited Challenges

Score Analysis

TransUnion monitoring

FICO Analysis

Creditor Interventions

Personal finance manager tools

Identity protection & insurance

Unlimited Challenges

Score analysis

Experian monitoring

Creditor Interventions

Inquiry target

Mobile Applications iOS & Android Not Available

Is Credit Saint Worth It?

Credit Saint is worth your time and money. It has an established record of successful removals. The company works with credit advisors and specialists to offer personalized services. In reviews, customers acknowledge them for being helpful and nice. They take all measures to protect the user’s personal information and privacy.

FAQ

Credit Saint is one of the most reputable credit repair companies. They offer free consultations. That means a chance to try out their services without signing up.

The company has been BBB accredited since 2007 with a current “A” rating. Their 90-days money-back guarantee will ease their clients’ worries. The team of credit advisors offers credit rebuilding help at no extra cost.

Their money-back guarantee is meant to ensure customers of a “worry-free service.” But note that it’s subject to strict terms and conditions. For instance, refunds are only for the first three months of service. It doesn’t take effect if there have been removals. Some refund policies come into force even after performance events. You just have to be unsatisfied with the service. Before signing up, check their refund terms and conditions.

The company has not explicitly stated how long customers stay with them. The duration of the service may vary depending on the number of inaccurate negative items and the complexity of the cases.

Credit Saint stipulates that clients may start seeing improvements within 45 days. In their money-back program, customers also receive refunds if there are no removals within 90 days.

Other repair companies state that customers stay with them for six months. But it’s your right to cancel earlier. When ending the service, we have noted that customer representatives may ask you to stay on. Be clear about the reasons for canceling and that it should take effect immediately. If you’re canceling before the renewal date, inquire if there will be charges.

There are various ways to communicate with their team. For inquiries, call 1-877-637-2673. Find them on Facebook or Twitter. Their mailing address is PO Box 110, Oakland, NJ 07436, and the Fax number: 1-888-400-4679.

We found no mention of military or senior discounts. But there are discounts for signing up with a family member. Credit Saint will only charge one work fee.

Gerald Dunigan
Gerald Dunigan

Gerald is the founder and editor-in-chief of CreditFixed.com. Over 13 years of experience in credit repair companies and finance. Each text is published after its detailed proofreading