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Credit Saint is our #1 recommended credit repair company.  They have a great reputation within the industry, a legit 90-day money-back guarantee, and an unlimited number of disputes per 45-day cycle.  

Credit Saint

9.8 out of 10

Credit Saint experts have a long history of effectively repairing their clients’ credit for a fair price. 

EFFECTIVENESS
10/10
PRICE
9.5/10
EASE OF USE
10/10
SUPPORT
9.5/10

Pros

A+ Rating With BBB

Low Monthly Price

90-Day Guarantee

Unlimited Disputes

Cons

High Initial Work Fee

Not Available In Every State

Who Is Credit Saint?

Credit Saint was founded in 2004 by Aileen Perez, Esq. in Saddle Brook, New Jersey. 

Thousands of customers have found success using their easy-to-use credit repair platform with the help of their industry-leading customer service. 

What Makes Them Different?

There are dozens of credit repair companies. Credit Saint stands above all of them as our #1 most recommended company. Here’s why:

Most repair companies are shady.  Watch for these practices:

  • upselling;
  • charging for services you didn’t agree to;
  • dragging you along for months so they can keep charging you;
  • failure to offer a money-back guarantee.

Credit Saint is unique because its processes and billing are more transparent than most other credit repair companies in the industry. Their billing and services are very straightforward with no confusing or unanticipated upselling. 

They are so sure of their services that if they fail to remove negative items from your credit record, they provide a 90-day money-back guarantee.

They also offer an unlimited number of disputes every 45-day cycle. The standard in the industry is to limit that number to 2-6 disputes per month.

Put it all together, and there’s no wonder why year after year, Credit Saint consistently wins the “top-ranked” credit repair company.

Credit Saint Review Credit Repair

What Does Credit Saint Do?

Each Credit Saint package comes with different options, with the first option being the basic package, then the deluxe package, and finally the luxury package. 

Credit Polish Package

The Credit Polish Package is the most basic of the three packages, offering these benefits: 

  • Access To Credit Saint Online
  • 90 Day Money Back Warranty
  • Toll Free Support
  • Cancel Anytime
  • Dispute Late Payments
  • Dispute Identity Theft
  • Dispute Charge-Offs
  • Dispute Collections

This plan covers basic credit restoration needs and is the most affordable of the three options.

Credit Remodel Package

The Credit Remodel Package has all of the benefits of the Credit Polish Package as well as: 

  • Escalated Information Requests
  • Dispute Bankruptcies
  • Dispute Repossessions

This is going to be the second most affordable option out of the three packages and will include writing “escalated information” request letters.

Escalated information requests include documenting your intent to escalate the claim to governing bodies, such as the Federal Trade Commission, Consumer Financial Protection Bureau, or state Attorney General.  

Clean Slate

The Clean Slate Package will come with all of the benefits of the Credit Polish and Credit Remodel Packages.

The Clean Slate Package is the most expensive package and includes:

  • Dispute Avalanche
  • Dispute Judgments

This luxury plan includes Dispute Avalanche which will challenge all negative items in your credit reports at one time.

If you have judgments on your credit record, then you will want to choose this package as it is the only one that will take on and dispute judgments. 

Clean Slate is going to give you the best value of all the packages and the best option if you are serious about repairing your credit.

Choosing Your Package

Which package should you choose? Credit Saint offers a “good-better-best” package system, but their “best” package may not be best for you.

Before you select a package, assess your credit report. Look at the types of accounts you’re dealing with. It won’t help you to pay for the ability to challenge Bankruptcies, repossessions, and judgments if you don’t have them on your credit report. A legitimate bankruptcy or judgment will be virtually impossible to remove, so you might want to focus on the accounts that you have a reasonable chance of disputing.

If you have only a few problematic accounts or if there is a clear, verifiable error on your credit report, you can file the disputes yourself. If you do choose to engage Credit Saint – or any credit repair company – choose the package that best suits your needs and your situation.

What Credit Saint Can’t Do

Credit Saint cannot guarantee you a specific outcome but they will give you a 90-day money-back guarantee. 

No credit repair organization can guarantee that they will improve your credit. Guarantees are prohibited by the Credit Repair Organizations Act (CROA). 

They also probably won’t be able to help with: 

Student Loan Removal

Unless your student loan is creating an unreasonable financial burden or you can find a loan forgiveness program, getting a student loan removed from your credit report is going to be nearly impossible.

There are things you can do to lessen the blow of poor student loan payment history and Credit Saint can help with that.

Bankruptcies

Credit Saint will contest a bankruptcy, but unless the bankruptcy is on your credit report due to an error they are unlikely to succeed. It is almost impossible to remove a legitimate bankruptcy from a credit report.

Because of the guidelines laid out by the CROA, no credit repair company can guarantee the fixing of bad credit.

Unlimited Disputes

Credit repair usually involves disputing entries on your credit report. The dispute process allows you to contest erroneous entries of your report. 

Credit Saint will dispute an unlimited number of inaccurate, obsolete, and unverifiable items from your credit report every 45-day cycle. Since they are able to dispute more items faster, they can produce faster results.

This feature will only help you if you have a large number of contestable entries on your credit report.

How Much Does Credit Saint Cost?

Most credit repair companies charge a “first work fee”. This is an initial billing that starts the process after you have agreed to retain the company.

How much is the Credit Saint first work fee?

They are a bit higher than most but their monthly cost is a bit lower, so in the long run, you probably save a bit of money. This is particularly true if your credit record is complex and you expect the credit repair effort to go on for some time.

Below is a detailed breakdown of the pricing for each plan and their initial startup fee:

Package

First Work Fee

Monthly Cost

Credit Polish

$99.00

$79.99

Credit Remodel

$99.00

$99.99

Clean Slate

$195.00

$119.99

Credit Saint Reviews

Negative reviews are commonplace in the credit repair industry, but Credit Saint Reviews are overall extremely positive. 

Not all negative records can be successfully removed no matter which credit repair company that you hire. Some people blame the credit repair company for not being able to remove all of the credit mistakes they have made and voice their displeasure in negative reviews. 

Overall, the Credit Saint complaints that are negative are of this variety, but the majority of the reviews are incredibly positive. 

Common themes found in Credit Saint Reviews include past customers raving about the success they had and great customer service.

Still not convinced? 

We gathered other reviews of Credit Saint, LLC and found that they have a very high average review rating of 4.5. 

Trusted Credit Saint Reviews

Customer Average Rating

Credit Knocks Reviews Avg. Rating

4.8

Yelp Reviews Avg. Rating

5.0

Google Reviews Avg. Rating

4.1

Better Business Bureau Avg. Rating

3.5

Consumer Affairs Reviews Avg. Rating

4.6

Best Company Reviews Avg. Rating

4.9

CUSTOMER REVIEWS AVG. RATING

4.5

Better Business Bureau Rating (BBB)

The Better Business Bureau, more commonly referred to simply as the BBB, allows buyers to review customer ratings. 

Credit Saint gets an A+ BBB rating due to their length of time in business, pricing and policy transparency, and proper handling of BBB complaints.  

Phone Number & Address

Credit Saint is located in Saddle Brook, New Jersey. 

You can find them in Park 80 West at 250 Pehle Ave #200, Saddle Brook, NJ 07663.

They can be reached 24 hours a day by dialing the toll-free Credit Saint Phone Number 877-637-2673.

The Credit Saint 90-Day Money-Back Guarantee

You have to love a company that stands behind its work with a 90-day money-back guarantee. If you do not see any negative items deleted from your credit file within 90 days, you may be entitled to a full refund. 

According to the Credit Saint site, to be eligible you must meet and comply with the following terms: 

What To Expect

When you contact Credit Saint you will be offered a free credit evaluation, and you will be paired with a personal advisory team. After evaluating your record the team will develop a personalized credit repair plan based entirely on your unique circumstances. 

If you decide to proceed with the plan, they will begin to dispute negative items in your credit file. Approximately 45 days after sign up, you will start to receive copies of your credit reports from the three major credit bureaus. 

These credit reports will contain the results of the first round of negative record challenges. 

Upload the reports to your personal online account page and your advisory team will update your progress report. 

Helpful Tip

You should upload all of your documents, the sooner they receive the information the better results you will have overall.

How To Cancel Credit Saint

The fastest way to cancel your membership is to contact them by phone at:  (877) 637-2673 between the hours of 9 a.m. – 10 p.m. (EST) M-Sat.

They allow customers to cancel for a full refund so long as they do so within three business days of your sign-up date. 

Once past the three-day window, cancellations will be processed immediately, however, they will not pro-rate your monthly service fee, which will give you access to your account until the end of the billing cycle. 

Credit Saint Availability

Credit Saint LLC does not provide credit restoration services in all states. These are the states they do not cover:

  • Louisiana
  • Georgia
  • Kansas
  • Ohio
  • Mississippi
  • Minnesota
  • Oregon
  • South Carolina
  • Missouri

Best Alternative To Credit Saint LLC

There are many credit repair services available. You can read about some of the more reputable ones in our review of the best credit repair services. If you look at other companies, remember that there are lots of dodgy ones out there, and they often make deceptive claims in their advertising. Stay alert for credit repair scams.

If you have a relatively simple credit report with only a few accounts that you want to contest, your best alternative might be to do it yourself. Start by learning to understand your credit report. Identify any errors or accounts that might not be legitimate.

Once you have identified the accounts you want to contest, write and send dispute letters. Once you have dealt with erroneous or problematic accounts, start rebuilding your credit.

Credit repair companies can help you rebuild your credit, but in many cases you can do the same thing yourself at a much lower cost.

Taking Action On Your Credit

If your credit record is holding you back, there are several ways to improve it. Hiring a legitimate credit repair company is one option. DIY credit repair is another. In many cases, your best bet will be to simply improve your budgeting and spending habits, understand how your credit score is generated, and work on slowly building better credit.

Whatever you choose to do, the most important step you can take is to start. Your credit won’t fix itself. You’ll need to work at it, but others have improved their credit and you can do it too!

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.