Credit Saint is a reputable company that has been providing credit restoration services for more than 15 years. The firm has an A+ rating by Better Business Bureau (BBB) and is ranked number 1 by Consumer Affairs, Supermoney, and Credit Take Off.
From a personal advisory team to tips on building and fixing credit, all Credit Saint reviews are clear — the service makes for a fast credit repair. Besides this, there is absolutely nothing to lose as they offer a 90-day money-back guarantee.
Today, I’ll focus on their services, pricing, pros and cons, and much more.
So, let’s get started.
What Is Credit Saint and How Does It Work?
Credit Saint is a reputable company that has been providing credit restoration services for more than 15 years. It strives to remove negative items off clients’ credit records with evident results as early as the first 90 days of your membership or you can get a full refund. I checked more than one Credit Saint review, and they all show it has a high success rate.
Credit Saint offers credit assistance to customers who want to restore their damaged credit by challenging identity theft, inaccuracies, misleading, biased, or unverifiable negative items on their credit reports.
What Can Credit Saint Do For You?
Credit Saint’s process of fixing credit is transparent and it happens in three steps which you can see below.
Step 1.
After a full analysis of your credit history, Credit Saint challenges the items you disagree with and creates an individual credit-building plan for you.
Step 2.
The credit bureaus review your challenges and ask creditors to prove the items they added should be in your credit history. At the same time, Credit Saint will be working with you to additionally boost your credit score.
Step 3.
The credit bureaus release new credit reports which reflect the changes made. You can check these in your Credit Saint account while preparing new challenges together.
The best is that if interested to learn more, you will get a free consultation with one of their credit repair specialists or an affiliate. The free consultation will not oblige you to purchase a package. Credit saint credit restoration reviews state that the agents are not pushy nor did the customers feel pressured which is yet another reason why they chose this company.
Credit Saint Restoration Services
Credit Saint’s variety of services have changed over the years. Until recently it used to offer dispute avalanche and escalated information requests but it seems that these are not included anymore. Inquiry targeting, creditor interventions, and score tracker are the top 3 new services in Credit Saint’s packages for 2022.
Here are all of them:
| Service | Description | Rating |
| Score tracker | This service allows users to track the progress of their credit repair with ease. Namely, there is an online dashboard you can use to track your score. | ★★★★★ 5/5 |
| Inquiry targeting | With this service, Credit Saint is able to target the hard and soft inquiries on a client’s credit reports. | ★★★★★ 5/5 |
| Challenges to the three credit bureaus | Depending on the package you choose, Credit Saint will send a limited or unlimited number of challenges to all three credit bureaus to make sure your credit score is the same with every. | ★★★★☆ 4/5 |
| Creditor interventions | With creditor intervention, Credit Saint contacts the creditors and tries to persuade them to remove a negative mark or not to send a client’s late payments information to the credit bureaus. | ★★★★★ 5/5 |
| Experian monitoring | The Experian monitoring keeps track of the daily activity on a client’s credit report to make sure no fraudulent activities occur. | ★★★★★ 5/5 |
| Items challenged | Many reviews I checked praise the fact there is a vast range of items challenged, such as late payments, identity thefts, charge-offs, collections, bankruptcies, repossessions, liens and judgments | ★★★★★ 5/5 |
| Security | Credit Saint uses SSL (secure socket layer) encryption, along with a variety of other methods to keep their network, servers, software, and web applications safe and secure. | ★★★★★ 5/5 |
| Customer support | Credit Saint credit restoration customer reviews confirm that exceptional customer support and knowledgeable agents are yet another reason for Credit Saint’s good reputation. | ★★★★★ 5/5 |
| Cancellation policy | Credit Saint has a flexible cancellation policy that allows all users to cancel at any time they wish. | ★★★★★ 5/5 |
Ease of Use
It’s fairly easy to get set up and start using Credit Saint’s speedy credit repair. All you need to do to begin is to sign up with them in four easy steps. Here’s how to go about it:
- Step 1. Load Credit Saint site. Click on the get started page to sign up. Provide information as requested in the form on the ‘Get Started’ page.
- Step 2. Next, select your service level.
- Step 3. Enter payment information.
- Step 4. Confirm legal agreements and submit them.
Our Credit Saint credit repair review showed that once you settle in, the team will work cohesively with the major credit bureaus to challenge negative and inaccurate items and erroneous data on your credit reports. The company will send you a detailed report identifying derogatory marks such as late payments, foreclosure, charge-offs, and debt collections. You can decide which to dispute, and for which you might need help from debt relief companies.
You will also receive a personalized plan on ways to improve your credit score. This will help you begin your journey to building creditworthiness. Once they do their magic, you can also get to know more about credit builder loans.
Credit Saint Pricing
Users can choose between three different types of credit repair service packages. It is because Credit Saint believes that there is no one-size-fits-all. There are three service packages that have different credit repair aggressiveness levels.
| Credit Polish | Credit Remodel | Credit Clean Slate |
| Aggressiveness: Medium Monthly fee: $79.99 per month | Aggressiveness: High Monthly fee: $99.99 per month | Aggressiveness: Very High Monthly fee: $119.99 per month |
| This package includes:Analysis of a credit scoreTracking credit scoreCredit Interventions | The second one includes everything from the first one and:Hard Inquiry disputesExperian credit monitoring | The most popular one has everything from the previous two. |
You should note though that the number of items challenged per dispute cycle varies with the plans, starting from 5 items for the Credit Polish, 10 for the Credit Remodel, and unlimited for the Clean Slate package.
They work in 45-day cycles and at the end of each credit repair cycle, clients will receive a progress report with credit reports from all three credit bureaus to track their progress
If the Credit Saint cost of credit repair services seems too high, but you need a loan, you can always try some of the guaranteed loans for those with bad credit.
Credit Saint Ratings and Reviews
The overall impression I got from the reviews on review platforms like ConsumerAffairs, Trustpilot, and Yelp is that the clients are generally satisfied with the services praising the company’s customer service, (speed) credit repair process, and transparency.
The dissatisfaction is mainly because of the expensiveness of the cost that includes the setup fee and in some cases the inability to produce any results within the guaranteed 90-day period.
The fine line between the good and the bad reviews of Credit Saint lies in the 90-day money-back guarantee for which clients agree it is worth giving this credit repair a try.
Credit Saint is A+ rated by BBB since 2007 due to its length of time in business, policy transparency, and proper BBB complaint handling. Its rating on ConsumerAffairs is also a high 5 and although it has a 3-star rating on Trustpilot, Credit Saint is still one of the best credit repair services on the market.
Credit Saint Alternatives
Credit Saint, of course, is not the only credit repair company on the market. In the table below, you can see how it fares when compared to its competitors.
| Company | Win | Lose | Best for |
| Credit Saint | Free consultation | Expensive | Effective removal of negative items |
| Credit Saint vs Sky Blue Credit | No charge for 6 days | No choice of packages | People who aren’t sure what kind of service they need |
| Credit Saint vs Lexington Law | No initial fees | May charge for additional reports | Affordable prices |
| Credit Saint vs The Credit People | Affordable credit repair cost | Not as good for more complex issues | Discounts and sign-up bonuses |
It is worth noting again, that the efficiency with which Credit Saint removes numerous negative items off user’s credit reports is the standout feature that separates Credit Saint from its competitors. Aside from its pricing, other Credit Saint complaints are virtually nonexistent.
Is Credit Saint Worth It?
Credit Saint is one of the trusted, transparent, and reputable credit repair companies. It has an impressive service catalog with three credit repair programs for varying customer types and needs. The 90-day money-back guarantee is a great advantage as you can try out their services with nothing to lose but your dissatisfaction. Reviews for Credit Saint such as this one meanwhile can help you make an informed decision whether to work with them or not.
Where Credit Saint Dominates
| PROS | Excellent online transparency |
| Free non-obliging consultation | |
| 90-day money-back guarantee | |
| Flexible cancellation policy | |
| Exceptional customer service |
Where Credit Saint Falls Short
| CONS | Limited availability |
| High initial work fee | |
Credit Saint is best for people who have a lot of negative items to remove from their reports and for people who need fast and effective credit repair.
