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?

Credit repair could take anywhere from a few months to several years, depending on your individual credit issues. If your score is being dragged down by credit report errors, you may notice improvement within a few months once these errors are corrected. On the other hand, legitimate negative marks, such as late payments or collection accounts, will continue affecting your credit score until they eventually fall off your credit report.

Credit Saint Credit Repair Review

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

Three different levels of service: Credit Saint offers three distinct service packages, allowing customers to choose the package that best suits their individual credit situation.

Transparent pricing: Credit Saint clearly states each package’s monthly prices and first-work fees. The company says monthly fees are charged when the month ends.

90-day money-back guarantee: Customers who don’t see any questionable items removed from their credit report in 90 days can request a refund. Conditions apply.

Cons

Comparatively high first-work fees: First-work fees, also called start-up fees or initial working fees, cover the cost of onboarding a new customer. Credit Saint’s first-work fees are higher than many of its competitors.

Relatively high monthly fees: With plan prices starting at $79.99 per month, Credit Saint’s packages are more costly than some of its competitors.

Not available in every state: Credit Saint does not offer services to residents of South Carolina, according to its Terms and Conditions as of January 2025.

Credit Saint is a New Jersey-based credit repair company that’s been in business for more than 15 years. The company offers to help consumers fix the credit report errors that are dragging down their credit scores.

Credit Saint advertises three service packages aimed at meeting different credit repair needs. Its monthly fees and first-work fees are on the high side, but online reviews are generally positive, with reviewers stating the company’s services work as advertised.

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 services to help customers protect themselves from identity theft, like fraud alerts or identity theft insurance.

Credit Saint, like other legitimate credit repair companies, cannot dispute accurate information on your credit report. It can only dispute negative information that’s incorrect, misleading or outdated.

Credit repair packages

Credit Saint currently offers three credit repair packages: Credit Polish, Credit Remodel and Clean Slate.

Credit Polish

Credit Polish is Credit Saint’s lowest-priced package at $79.99 per month, plus a $99 initial working fee. It’s advertised as a medium aggressiveness option for addressing credit issues. The package includes standard credit repair services, such as:

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

Credit Remodel

Credit Remodel is Credit Saint’s middle-tier plan, which it says offers a highly aggressive approach for resolving credit issues. 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 credit bureau
Inquiry targeting
Personalized guide to building credit
Real-time account sync

Clean Slate

Clean Slate is Credit Saint’s top-tier plan, with a cost of $139.99 per month, plus a $195 initial working fee. Its advertised aggressiveness is “very high." Customers get everything from the Credit Polish and Credit Remodel packages, 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 offers a free consultation to help you determine if credit repair is the right choice for your credit issues, and if so, 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

When you sign up for Credit Saint’s services, you can enroll a family member living in your household and only pay one first-work fee. That represents a savings of $99–$195, depending on the plan tier. Additional family members are still billed monthly.

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

You can reach customer support by phone at 877-637-2673. According to Credit Saint’s business profile on Google, the company’s hours are 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 chat support by clicking “chat now” on the company’s homepage. Credit specialists are available to chat Monday through Friday from 9 a.m. to 7 p.m. ET.

Credit Saint is also active on social media:

Facebook: @creditsaint
Instagram: @creditsaint
X: @creditsaint

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 credit repair services on a month-to-month basis. The Terms and Conditions on the sign-up page state that the agreement is for a maximum of 12 months, and that you can cancel your services at any time, with no penalty or obligation.

Customer and third-party reviews

BBB rating: 4.23 stars with 126 reviews.
Consumer Affairs average rating: 3.2 stars with 462 reviews
Google Reviews average rating: 4.8 stars with 13,778 reviews
Trustpilot average rating: 4.6 stars with 562 reviews

*Review information accurate as of January 29, 2025.

Credit Saint says it has served more than 200,000 happy customers in its 19-year history and boasts over 11,000 five-star reviews across top review sites.

Credit Saint reviews are generally positive, indicating that customers are pleased with the service. Recent reviews praise the customer service staff for their friendliness and professionalism and state that Credit Saint successfully removed negative items from their credit reports.

Credit repair companies often receive negative reviews complaining of a lack of results, and Credit Saint is no exception. These complaints need to be taken with a grain of salt because no company can remove accurate, current negative marks.

Some reviewers state they had difficulty claiming the 90-day money-back guarantee. You must meet certain conditions to be eligible for a refund, so be sure to read the conditions of the guarantee to avoid surprises.

Regulatory and legal

Credit Saint does not appear to have any pending legal issues as of January 2025.

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.
Credit repair could take anywhere from a few months to several years, depending on your individual credit issues.

If your score is being dragged down by credit report errors, you may notice improvement within a few months once these errors are corrected. On the other hand, legitimate negative marks, such as late payments or collection accounts, will continue affecting your credit score until they eventually fall off your credit report.

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.

Credit Saint credit repair review