Is Credit Saint legit?

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

Is credit repair a scam?

Credit repair is a valid service that can benefit consumers with outdated, misleading or incorrect information on their credit records. Many consumers see a quick boost in their credit scores from removing or correcting this questionable information. While credit repair itself is not a scam, there are some credit repair scams that you may want to learn about to protect yourself.

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

Not necessarily. It's possible to fix your credit on your own without hiring a credit repair company. You can, for example, dispute an error on your credit report by contacting the credit bureaus directly. The credit repair companies don’t do anything you can’t do yourself, but they have experience and systems in place 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 needed to improve your credit score depends on which issues are dragging your score down. For example, foreclosures can remain on your report for seven years. If your credit report accurately reflects a foreclosure, you may need to wait out this period before you see a substantial change in your credit score. However, if incorrect information on your report impacts your score, you might see an improvement in just a few months by correcting the errors. You can also repair your credit over time by paying down your credit card balances and paying all bills on time.

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

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 an A rating from BBB.

Transparent pricing for comprehensive packages: Credit Saint offers three distinct service packages. The services included in each package are clearly defined, as are the monthly prices and the 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 charged for the time needed to onboard new customers, including an initial review of your current credit report. Credit Saint’s first-work fees are higher than many other providers, especially considering that some providers don’t require any initial fee at all.

Not available in every state: Credit Saint does not offer services to those who live in South Carolina according to its Terms and Conditions as of May 2024.

Credit Saint offers credit repair services to help customers improve their credit history by removing any inaccurate, outdated or misleading information from the record.

Transparent service packages and pricing models make Credit Saint one of the best credit repair companies available to today’s consumers. Credit Saint is generally well-reviewed by customers and is one of the few credit repair companies accredited by the Better Business Bureau (BBB).

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 offers standard credit repair services, including disputes to credit bureaus, creditor intervention letters and credit score tracking. Customers also get access to educational content about building good credit. Premium packages include additional features, such as personalized guides to credit building and payment reporting to all three credit bureaus.

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 inaccurate, 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, which Credit Saint considers a medium level of aggressiveness in addressing credit issues. The Credit Polish package includes:

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

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 reports from one of the three credit bureau
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:

Reports from all three credit bureaus
Payment reporting to the credit bureaus
Access to homeownership programs
Acqualify Loan Readiness Program helps you get on track to qualify for a home loan
Rent-to-Own Home Program through Pathway Homes may help you find a rent-to-own home

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.

Rent-to-own home program available through Pathway Homes

Rent-to-own homes, also called lease-to-buy homes, can offer a solution for those who want to become homeowners but aren’t financially ready to make their move yet. For example, some homebuyers need more time to improve their credit scores or save money for the down payment.

Rent-to-own allows you to pay a monthly premium on your rental, which can be applied to your down payment if you choose to purchase the home at the end of your lease term. Customers who choose Credit Saint’s Clean Slate Package get access to Pathway Homes’ rent-to-own program.

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.

Credit Saint’s accessibility and availability

Credit Saint currently operates in 49 out of 50 states. Nonmembers can reach Credit Saint by phone while paying customers get access to online chat services as well.

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, Saturday from 10 a.m. to 8 p.m. ET, and Sunday from noon to 8 p.m. ET. The customer support line is 888-400-4679 or 877-637-2673.

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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: 4.32 stars with 133 reviews.
Consumer Affairs average rating: 4.9 stars with 450 reviews
Google Reviews average rating: 4.8 stars with 12,730 reviews
Trustpilot average rating: 4.6 stars with 367 reviews

*Review information accurate as of May 13, 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.

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 $99.95 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 does not offer a money-back guarantee, and it is not BBB-accredited. It does, however, provide ID theft insurance, which Credit Saint does not offer.

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’ 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

Yes, Credit Saint is a legitimate credit repair company. Credit Saint is accredited by the Better Business Bureau and has thousands of customer reviews on reputable sites like Consumer Affairs and Trustpilot.
Credit repair is a valid service that can benefit consumers with outdated, misleading or incorrect information on their credit records. Many consumers see a quick boost in their credit scores from removing or correcting this questionable information. While credit repair itself is not a scam, there are some credit repair scams that you may want to learn about to protect yourself.
Not necessarily. It's possible to fix your credit on your own without hiring a credit repair company. You can, for example, dispute an error on your credit report by contacting the credit bureaus directly. The credit repair companies don’t do anything you can’t do yourself, but they have experience and systems in place 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 needed to improve your credit score depends on which issues are dragging your score down. For example, foreclosures can remain on your report for seven years. If your credit report accurately reflects a foreclosure, you may need to wait out this period before you see a substantial change in your credit score. However, if incorrect information on your report impacts your score, you might see an improvement in just a few months by correcting the errors. 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.