High initial work fee (from $99 to $195 as per package)
Lacks a mobile app
Fewer free educational resources
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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? Reviews for Credit Saint from previous clients reveal a company committed to delivering top-notch repair services. Their customer support staff are generally very friendly and quick to help. They even respond to customers that have left negative reviews and try to contact them for additional assistance.
Find out more about the company in this Credit Saint review 2021.
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.
Consider checking genuine Credit Saint reviews to see common issues customers face and how the company responds. You can see their Trustpilot page, Google Reviews, or BBB.org page. Currently, the service does not have any mobile apps and has not expressed any plan to develop them.
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 Work?
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 report review process of credit reports from all the bureaus. 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 review gives Credit Saint the right information to challenge the CRBs. By obtaining user input, they customize the letters for higher chances of success. The team also asks for any supporting documentation that can be used to prove the accuracy of challenges. It prevents credit bureaus from dismissing certain challenges as simply frivolous.
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.
During your Credit Saint review, you may also encounter extra services that the company advertises, such as:
Inquiry targeting: The company will try to target hard pulls if they are not legitimate.
Creditor interventions: Credit Saint also contacts information furnishers and asks them to resolve negative items on client reports.
Score tracking: Receiving Vantage or FICO Scores is not usually free. But Credit Saint makes sure to offer customers regular updates of their scores after successful removals.
New customers get access to an online account that they can use to manage each aspect of their service, for instance, uploading any correspondence sent by the credit bureaus so that the team can review it.
Where Credit Saint Doesn’t Offer Services
The company doesn’t offer its services in several states. They currently don’t accept Georgia, Kansas, Louisiana, Michigan, Oregon, Mississippi, and South Carolina. That’s because the state may have different regulations on credit repair companies. For instance, in Georgia, the state only allows certain authorized professionals to offer credit advice or repair, including attorneys, registered financial advisers, real estate brokers, FDIC-insured banks, and nonprofits.
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:
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.
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.
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.
Custom challenges: Credit Saint customizes each argument when attacking individual items. It promotes a higher chance of success.
Ability to cancel without penalties: The service allows clients to terminate their month-to-month service at any time. It’s also possible to complain to the customer support team and request not to be billed for the current month If the service was not satisfactory.
Robust score and credit monitoring: The company offers a score tracker, Experian monitoring, and score analysis. That means that you’re constantly updated on any progress and the impact on your overall credit standing.
We have found several limitations when analyzing Credit Saint. But they are not likely to heavily impact the effectiveness of the core service:
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.
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.
Positive things people have said about Credit Saint
The company offers excellent services, and plenty of CreditSaint reviews back up this claim. We found the following highlights from their Google reviews:
The customer stated that they had worked with someone called Ferris and was grateful for all the help that was offered.
Another reviewer commended the office for being very friendly and helpful. He also expressed that they were honest and upfront.
The company has managed to maintain a 4.4 rating on Google reviews, which is relatively high.
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.
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.
For reviews on Credit Saint about the lack of results within 30 days, the company typically advises customers to give the process more time.
In this highlighted comment, Credit Saint states that their cycle goes on for 45 days to account for the 14 days allotted for mailing letters. If you go over their response, you can also notice that the company tried to reach out to the client and apologized for the long wait times.
How Much Does Credit Saint Cost?
Credit Saint has structured its services into various packages as it is the norm with top credit repair organizations. That ensures they can serve more customers regardless of their budgets.
The cost of Credit Saint credit repair is within the industry rates. Each package also includes personalized help from their team and expert guidance on repairing bad credit.
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.
Even with the option of unlimited challenges, it’s not uncommon for a credit repair company to advise customers to only file a limited number of challenges. That ensures that their challenges are not labeled frivolous by the bureaus. So, feel free to consider signing up for the credit remodel package if cost is a big concern.
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
Many Credit Saint credit repair reviews showcase a responsible company out to serve its clients with the best services. However, they are not entirely perfect. Some of their competitors have cheaper rates and more service offerings.
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. Credit Saint customers may also miss out on extra services offered by Sky Blue, such as Debt validation, Goodwill, and cease-and-desist letters. Technology capacity seems to be the same across the two platforms as they provide online portals for account management and progress tracking.
Credit repair experience
32 yrs (1989)
17 yrs (2004)
$79 single package
$79.99 — $119.99
Initial work fee
$99 — $195
Estimated 1st-month fees top plan
Score analysis & monitoring
Credit rebuilding guidance
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 the upper hand by offering a 90-day money-back guarantee and unlimited challenges.
Credit Saint clients miss out on the convenience of using an app to track their progress and scores. Lexington Law also has better-developed packages with many extra features. Their educational section has more resources and excellent free advice on a wide range of credit matters.
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. Credit Saint may not offer as many extra features as creditrepair.com. For instance, they don’t have ID protection or ID insurance on any package. Creditrepair.com also has a much better educational section and personal finance tools that can help customers better their credit situation in other ways.
Credit repair experience
9 yrs (2012)
17 yrs (2004)
$69.95 — $119.95
$79.99 — $119.99
Initial work fee
$69.95 — $119.95
$99 — $195
Estimated 1st-month fees top plan
Personal finance manager tools
Identity protection & insurance
iOS & Android
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.
They are a legal credit repair service that follows all the laws. Customers never feel rushed during the free consultation. The representatives take time to explain what the service entails and if it’s suitable. Many past reviewers mention the individual support staff by name, and this is another overwhelmingly positive sign.
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.
The Consumer Financial Protection Bureau has not brought lawsuits against Credit Saint or its subsidiaries. The company’s top competitors, Lexington Law and Creditrepair.com, are involved in a lawsuit for the breach of telemarketing laws. They are both Progrexion brands.
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.
It also states that customers should not have created any new tradelines that may have resulted in new derogatory marks. Similarly, the service guarantee requires customers to have made timely payments.
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.
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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