Is Credit Saint legit?

Credit Saint is a legitimate credit repair company. Credit Saint has earned thousands of positive customer reviews on reputable sites like Consumer Affairs, Google Reviews and Trustpilot and is accredited by the Better Business Bureau.

Is credit repair a scam?

Credit repair is not a scam. It is a valid service that can quickly boost credit scores by correcting inaccurate information on credit reports. Having said that, there are some credit repair scams to be aware of and protect yourself from. For example, an unscrupulous company may claim to be able to remove all negative marks on your credit report for a large upfront fee. As it is not possible to dispute accurate information on credit reports, this would be a scam.

Do I need to hire a credit repair company to fix my credit?

You don’t necessarily need to enroll with a credit repair service. It's possible to fix your credit on your own. You can, for example, dispute an error on your credit report by contacting the credit bureaus directly. While credit repair companies don’t do anything consumers can’t do on their own, they have experience and systems to make the process more effective. Weigh the pros and cons of credit repair companies to decide if you’d rather hire a company or handle the process yourself.

How long does credit repair take?

The time required to improve your credit score varies based on the specific factors affecting it. For example, foreclosures can stay on your credit report for up to seven years. If a foreclosure is accurately reported on your report, you may need to wait through this period before you see a significant boost in your score. On the other hand, if your score is impacted by inaccuracies in your report, you may notice improvement within a few months once these errors are corrected. You can also repair your credit over time by paying down your credit card balances and paying all bills on time.

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Credit Saint credit repair review

Written by

Michelle Clardie

Edited by

Aylea Wilkins

Reviewed by

Thomas Brock, CFA, CPA

Edited by

Aylea Wilkins

Reviewed by

Thomas Brock, CFA, CPA

Updated December 16, 2024

On This Page

Best for: Simple credit repair options

Credit Saint

4.2

Start-up fee: $99–$195
Monthly fee: $79.99–$139.99
Money-back guarantee: 90 days
Maximum number of disputes: Unlimited with the Clean Slate Plan
Types of letters to creditors/bureaus: Dispute (credit bureau challenges) and intervention
Pros

Accredited by the BBB since 2007: Credit Saint is among the very few credit repair companies that are accredited by the Better Business Bureau. Credit Saint currently holds a B+ rating.

Transparent pricing for comprehensive packages: Credit Saint offers three distinct service packages. Each package clearly defines the services included, as well as the monthly prices and first-work fees.

90-day money-back guarantee: Customers who don’t see an improvement in their credit report from correcting disputed information can request a refund. Conditions apply.
Cons

Comparatively high first-work fees: First-work fees, also called start-up fees or initial working fees, are upfront charges that cover the cost of onboarding, including an initial review of the new client’s credit report. Credit Saint’s first-work fees are higher than many other providers. Some providers don’t require any first-work fees.

Not available in every state: Credit Saint does not offer services to residents of South Carolina, according to its Terms and Conditions as of December 2024.

Credit Saint offers credit repair services to assist clients in improving their credit scores by correcting or removing any inaccurate, outdated or misleading information from their credit reports.

Credit Saint provides straightforward service packages with transparent pricing, making it one of the best credit repair companies for consumers seeking credit score improvements. Credit Saint is accredited by the Better Business Bureau (BBB), which is a rare distinction for a credit repair company. Customer reviews are generally positive, highlighting the company's effectiveness and professionalism in credit restoration.

Credit Saint services

Credit Saint offers the following services:

Access to educational content
Credit score analysis and tracking
Creditor intervention letters
Inquiry targeting
Personalized guide to building credit
Unlimited challenges to all three credit bureaus

Credit Saint provides standard credit repair services, including disputing items with credit bureaus, sending intervention letters to creditors and tracking credit score changes. Customers also benefit from educational resources on how to build and maintain good credit. Additional features, such as personalized credit-building guides and payment reporting to all three major credit bureaus, are available with premium packages, offering a more comprehensive approach to credit improvement.

What Credit Saint does not cover

Unlike some competitors, Credit Saint does not offer ID theft monitoring or ID theft insurance.

As is the case with all legitimate credit repair services, Credit Saint cannot dispute accurate information on your credit report; it can only dispute incorrect, misleading or outdated information.

Credit repair packages

Credit Saint currently offers three credit repair packages.

Credit Polish

For $79.99 per month plus a $99 first-work fee, you get access to the standard credit repair services, including:

Access to educational content.
Challenges to the three credit bureaus.
Credit score analysis and tracker.
Creditor intervention letters.

Credit Saint reports that this package provides a medium level of aggressiveness in addressing credit issues.

Credit Remodel

For $109.99 per month plus a $99 first-work fee, you get everything from the Credit Polish package as well as advanced services like:

Credit scores and reports from one of the three credit bureaus.
Inquiry targeting.
Personalized guide to building credit.
Real-time account sync.

The Credit Remodel package is promoted as a highly aggressive approach to credit repair.

Clean Slate

For $139.99 per month and a $195 first-work fee, you get everything from the Credit Remodel package plus:

Access to the Acqualify Loan Readiness Program, which helps prepare you to qualify for a home loan.
Credit scores and reports from all three credit bureaus.

Additional features

Free consultation

Credit Saint promotes a free consultation service to help you determine if credit repair is a good fit for you and which service package would best fit your current needs.

Acqualify Loan Readiness Program enrollment

The Acqualify Loan Readiness Program is designed to help clients prepare their credit to meet loan qualification requirements in the future. If you are considering applying for an auto loan, debt consolidation loan or even a home mortgage in the next few years, this program may help you get on track for a loan approval with favorable terms. It's only available with the top-tier Clean Slate plan.

No first-work fee for an additional family member

If you enroll a family member at the same time you sign up for Credit Saint’s services, Credit Saint will waive the first-work fee for that family member. To qualify for the waived fee, the family member must live in your household.

Credit Saint’s accessibility and availability

Credit Saint currently operates in 49 out of 50 states. Paying customers get access to online chat services in addition to phone support. Nonmembers do not get chat access, but they can still reach Credit Saint by phone.

Availability

Credit Saint currently serves residents of all states except South Carolina.

Contact information

Customer support is available by phone Monday through Friday from 9 a.m. to 10 p.m. ET and Saturday from 10 a.m. to 8 p.m. ET. The office is closed on Sundays. You can reach customer support at 888-400-4679 or 877-637-2673.

Facebook: @creditsaint
Instagram: @creditsaint
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Credit Saint customer experience

Credit Saint offers customer-friendly features, such as transparent pricing, flexible month-to-month subscriptions you can cancel at any time, and longer customer support hours than most credit repair companies.

As with all credit repair companies, client satisfaction typically comes down to results. When credit scores improve, customers post positive reviews, and when credit scores don’t improve, customers post negative reviews.

Contract duration

Credit Saint offers monthly service subscriptions without pre-determined contract terms. If you no longer need Credit Saint’s services, you can cancel your subscription.

Customer and third-party reviews

BBB rating: 4.22 stars with 131 reviews.
Consumer Affairs average rating: 3.4 stars with 460 reviews
Google Reviews average rating: 4.8 stars with 13,565 reviews
Trustpilot average rating: 4.6 stars with 558 reviews

*Review information accurate as of December 16, 2024.

Credit Saint LLC reviews are generally positive. Having served over 200,000 customers in its 19-year history, Credit Saint has received over 11,000 five-star reviews across multiple review platforms.

In their Credit Saint reviews, customers regularly report that the service is effective and that customer support is helpful.

One notable complaint is difficulty claiming the 90-day money-back guarantee. You must meet certain conditions to be eligible for a refund, such as remaining in the program for 90 days and requesting the refund over the phone between days 91 and 120 of enrollment. Read the conditions of the guarantee before enrolling.

Regulatory and legal

Credit Saint does not appear to have any pending legal issues as of December 2024.

How Credit Saint compares

Credit Saint vs. Lexington Law

Lexington Law offers a similar suite of services to Credit Saint. However, instead of offering three service packages to choose from, Lexington Law offers one comprehensive package for $139.95 per month. This package is similar to Credit Saint’s $109.99 Credit Remodel package. Lexington Law also provides an impressive library of free resources and does not charge a first-work fee. However, unlike Credit Saint, Lexington Law is not BBB-accredited, nor does it offer a money-back guarantee.

Credit Saint vs. Creditrepair.com

CreditRepair.com is a more affordable alternative to Credit Saint, with packages starting at a special rate of $49.95 per month (normally priced at $69.95 per month). This low-cost package is comparable to Credit Saint’s Credit Polish package. For a plan similar to Credit Saint’s Clean Slate package, you could choose CreditRepair.com’s $119.95 Advanced package. CreditRepair.com provides ID theft insurance and cease-and-desist letters, which Credit Saint does not offer. However, CreditRepair.com does not offer a money-back guarantee, nor is it BBB-accredited.

Credit Saint vs. The Credit Pros

The Credit Pros may be a good alternative if you’re looking for a wider range of services than Credit Saint offers. The three packages from The Credit Pros range from $69 to $149 per month. However, the $69 Money Management package focuses on tools like budget, debt repayment plans and bill-pay reminders rather than providing traditional credit repair services. For a true credit repair package, you would need the $129 Prosperity package. This package is more robust than Credit Saint’s packages, including cease-and-desist letters, fraud alerts and letters of reference. Both Credit Saint and The Credit Pros offer a 90-day money-back guarantee.

Frequently asked questions

Credit Saint is a legitimate credit repair company. Credit Saint has earned thousands of positive customer reviews on reputable sites like Consumer Affairs, Google Reviews and Trustpilot and is accredited by the Better Business Bureau.
Credit repair is not a scam. It is a valid service that can quickly boost credit scores by correcting inaccurate information on credit reports. Having said that, there are some credit repair scams to be aware of and protect yourself from. For example, an unscrupulous company may claim to be able to remove all negative marks on your credit report for a large upfront fee. As it is not possible to dispute accurate information on credit reports, this would be a scam.
You don’t necessarily need to enroll with a credit repair service. It's possible to fix your credit on your own. You can, for example, dispute an error on your credit report by contacting the credit bureaus directly. While credit repair companies don’t do anything consumers can’t do on their own, they have experience and systems to make the process more effective. Weigh the pros and cons of credit repair companies to decide if you’d rather hire a company or handle the process yourself.
The time required to improve your credit score varies based on the specific factors affecting it. For example, foreclosures can stay on your credit report for up to seven years. If a foreclosure is accurately reported on your report, you may need to wait through this period before you see a significant boost in your score. On the other hand, if your score is impacted by inaccuracies in your report, you may notice improvement within a few months once these errors are corrected. You can also repair your credit over time by paying down your credit card balances and paying all bills on time.

Methodology

Overall score	4.0
Services offered	4.5	The Credit Pros offers a wide range of services, but some of them are locked behind higher prices.
Affordability	3.3	The Credit Pros has higher setup fees than most competitors and high month fees for services specific to credit restoration.
Customer service	4.4	The Credit Pros offers several contact options and availability across most of the nation.
Expertise/Effectiveness	3.8	The Credit Pros has mixed reviews about its effectiveness and has had past legal issues.

To evaluate the best credit repair companies, the Bankrate team looked at the following factors:

Affordability: We looked at the overall affordability of the company, including start-up fees, late fees and monthly fees.
Customer service: To evaluate customer service, we considered factors such as customer service hours, the number of support channels, the prevalence of disclaimers and the number of states available.
Expertise and effectiveness: Companies were scored based on factors including number of years in the business, customer ratings, the average score improvement and if the company has experienced legal issues in the past.
Services: Credit repair companies were evaluated based on the number and types of services offered. We look at whether companies offer services such as identity theft monitoring, the number of disputes per month, credit score monitoring, education and debt trackers to evaluate how each company's services compare.