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Credit Saint at a Glance
| Our Rating | 4.1 / 5 |
|---|---|
| Best For | Done-for-you disputes with a money-back guarantee |
| Plans | Credit Polish, Credit Remodel, Clean Slate |
| Monthly Cost | $79.99 to $139.99, plus a one-time first work fee (verify current) |
| Free Consultation | Yes, with a soft credit check |
What Is Credit Saint?
Credit Saint is a New Jersey-based credit repair company that says it has been in business since 2007. It challenges inaccurate items on your credit reports with the three bureaus and with creditors, using organized letters and follow-ups, and gives you an online account to track progress.
It cites a 4.8 out of 5 rating from more than 16,000 reviews on sites including Google, Trustpilot, ConsumerAffairs and the BBB. No credit repair company can legally remove accurate, current negative information, so results depend on what is actually wrong with your reports.
Pros & Cons
Pros
- Free consultation with a soft credit check
- Three tiered plans for different amounts of negative items
- Advertises a money-back guarantee if no questionable items are deleted in 90 days
- Online account with progress timeline and credit analysis
Cons
- Monthly fee plus a one-time first work fee
- Results are never guaranteed for accurate items
- Guarantee carries terms and conditions
How Credit Saint Works
Free consultation
Review your reports with a soft credit check that does not affect your score. No card is required.
Pick a plan
Choose Credit Polish, Credit Remodel or Clean Slate based on how many and what kind of negative items you have.
Disputes and tracking
Disputes typically go out around day 6, and you follow progress in your online account.
Safety & What to Know
Credit repair cannot guarantee deletions or score increases, and you can dispute errors yourself for free.
The money-back guarantee covers the first 90 days if no questionable items are deleted, but it carries terms and conditions. Read them before you enroll.
Credit Saint Pricing
| Credit Polish | $79.99/month + $99 one-time first work fee |
|---|---|
| Credit Remodel | $109.99/month + $99 one-time first work fee |
| Clean Slate | $139.99/month + $195 one-time first work fee |
Prices come from Credit Saint's site and can change. Confirm current pricing and guarantee terms before enrolling.
Who Credit Saint Is For
A good fit if you
- You have several inaccurate or unverifiable items
- You want tiered plans and a refund option
Look elsewhere if you
- Your negative items are accurate and recent
- You are comfortable filing disputes on your own
How Credit Saint Compares
ScoreShuttle is a lower-cost self-service dispute tool, CreditFirm.net is a pay-as-you-go service, and Kovo builds positive history instead. See the Best Credit Building and Repair Services.
Frequently Asked Questions
Our Verdict
★ 4.1 out of 5
Credit Saint is a reasonable done-for-you option if you have several questionable items and want tiered plans and a refund window. It cannot promise results, so weigh the monthly and first work fees against disputing errors yourself.
See the full Best Credit Building and Repair Services ranking →
Reviewed by
Sarah MitchellSenior Finance Editor
Sarah Mitchell is a certified financial planner with 12 years of experience covering personal finance, credit cards, and investment products. She has been quoted in The Wall Street Journal, Forbes, and Bloomberg. Sarah holds a CFP designation and an MBA from Wharton. She tests every financial product she reviews and consults with independent financial advisors to ensure accuracy.