Credit Saint Reviews Aug 2021: Legitimate Credit Repair Company [Trusted By Customers]

Nikhil Goswami

Do you have bad credit and don’t know how to fix it? Or are you just too busy to go through the long tiring process by yourself? Well, you won’t need to give your credit report a second thought with this credit repair company.

The New Jersey-based company Credit Saint is one of the best in the industry. We have compiled Credit Saint reviews in this article to help you decide whether this service provider works for you.


=> Visit the official website of Credit Saint

Credit Saint: Brand Overview

Did you get snagged by a credit repair company? Are you worried it’s going to happen again and want to stay safe? Well, you don’t need to worry about getting ripped off with Credit Saint.

Credit Saint is a well-reputed company that provides individuals with credit restoration services. The popular company strives to eliminate any negative items present in your credit report and has been doing so for 15 years.

You can get clear results within just 90 days of your membership. The company shows a high rate of success, so you can rest assured. The company helps individuals to restore their damaged credit by challenging identity thefts. Its process of repairing happens in a systematic and transparent order.

The steps the company follows are listed below:

  • Full analysis of your history
  • Challenges inaccurate items
  • Personalized plan
  • Reviews challenges
  • Asks creditors to give proof of inaccurate items
  • Boosts your credit score
  • New credit reports

Who Should Use Credit Saint?

Do you have a bad credit score and need help improving it? Credit Saint LLC will analyze your credit score while consulting it initially. If the company gives their approval to take you on as a customer, it is sure it can help you repair your score.

Within the first few months, the company will work towards removing any negative marks from your history. This will allow you to access lower rates of interest, utilities free of deposit, and borrowing without any hassle.

For example, you pick the Remodel Plan. You will have to pay around $400 during a period of the first 90 days. If your Experian, Equifax, and TransUnion, and FICO scores increase by 50 points, you might save thousands in interest when you take your next loan.

Is Credit Saint worth it? Well, these potential rewards talk for themselves, proving that Credit Saint can help anyone with poor scores. It is one of the most transparent, reputable, and trusted credit repair organizations.

The company has an admirable service catalog, having three different packages for different customer needs and types.

Their A+ BBB rating and 90-day money-back promise to ensure that you have nothing to lose. If the company agrees to aid you, we recommend you to choose it.

Getting Started 

To initiate your credit fixing process with the help of specialists from this reputed company, you will have to follow some simple steps.

Here is a list for your understanding:

  • Book A Cost-Free Consultation

You will get a starting point after you book a credit evaluation with this company’s financial advisors. The advisors run a credit analysis and then give you a credit repair plan.

  • Identity Verification 

Before you start in earnest, you need to verify your identity through an email. To do this, you will have to submit a picture of your credit card via email. This is to confirm that you are the person who needs credit repair services. After you successfully confirm your identity, you will get access to your account page online.

  • Pick A Plan

You need to look at your credit report and determine the kind of plan you need. Do you need the bare minimum or aggressive therapy for fixing your low credit score?

All the company’s packages have a range of $79.99 to $119.99 per month. Every plan needs you to pay a setup fee of either $99 or $195.

  • Removing Negative Items

By this step, you’re officially a customer of the company. You now only have to sit back and let the experts do all the work. Credit Saint works with different credit bureaus to rid your credit report of all the incorrect items. It works in cycles lasting 45 days. Therefore, you will need to maintain patience during these periods.

  • Releasing The Report

Once your 45-day cycle finishes, credit bureaus will release an updated report. Credit Saint utilizes these reports, posting your progress on a separate report on your profile.

Then, your next 45-day cycle starts if you want to continue receiving the company’s services. If you get good credit after the first cycle, you can cancel. However, many clients need to stay for a minimum of two cycles to get the results they want.


  • Money-Back Guarantee 

Many, if not all, credit repair companies offer a money-back promise of any sort. However, only Credit Saint gives you a full refund within a period of the first 90 days.

No, it’s not a joke, you will be able to get all your money back! You’ll get a full refund if this company doesn’t succeed in removing some of your negative remarks from your history within just 90 days.

You may think it’s going to be a painful process getting your money back. No, absolutely not. You won’t have to deal with customer service associates to get your refund. The company gives you this program as it expects to get results within one and a half months. It won’t accept you as a client if they don’t think they can help you.

You should also remember that it isn’t just a refund for customer satisfaction. Credit Saint issues a complete fund only when your credit history doesn’t improve. If you’re dissatisfied for other reasons, or you think you made a mistake by signing up, you won’t get your refund.

Furthermore, you will also get disqualified for this refund if you miss any payments or worsen your credit score after you sign up. However, you can cancel your subscription anytime for any reason. The company won’t charge you any additional fee.

  • Less Monthly Fees For Some 

You would have to pay at least a hundred dollars per month for credit repair if you subscribed to other credit repair companies. However, Credit Saint has lower prices, starting at $79.99 per month. The company has specially designed this plan for individuals who don’t need a lot of help to repair their credit.

For example, if you only have a couple of negative marks on your credit report, you can pick this plan called Credit Polish.

The company also asks you to pay a “First Work” fee of $99 when you’re signing up for this particular plan. The monthly fee might be lower. However, the excellent services you deserve to get from industry experts aren’t missed out.

If you require a more aggressive plan to restore your credit, you might have to take up a more expensive plan. These plans include the Clean Slate plan that costs $119.99 plus $195 as a one-time fee. You can also opt for the Credit Remodel plan costing $99.99 plus $99 as a one-time fee for setup.

=> Click here to visit the official website of Credit Saint for more information


  • You can choose from three plans for credit repair
  • Many packages have credit monitoring
  • Gives you a 90-day cash-back guarantee
  • High rankings
  • Flexible cancellation process
  • Reasonable plans
  • Excellent service


  • High initial set up fee
  • Limited disputes if you take low-tier plans
  • Scarce online resources
  • Isn’t available in all states

Factors Impacting Your Credit Score 

Firstly, you need to know the five primary factors that impact your credit score to understand how Credit Saint works. Here is a list with small introductions to help you understand.

  • Payment History

The weightage of payment history amounts to 35% of your credit score. Paying your bills on time is the most important step in maintaining your credit report. If you miss out even on a single payment, it will negatively impact your score more than anything else.

  • Credit Utilization

The weightage of credit utilization amounts to 30% of your credit score. You must try and use only 30% of your existing credit. For instance, if you have two credit cards with a total limit of $10,000, you must keep your balances to $3,000 or less.

  • Credit History 

The weightage of credit history amounts to 15% of your credit score. It would be best to keep your credit cards open even though you don’t use them anymore. Closing your accounts will shorten your credit history, ultimately lowering your total credit score.

  • Credit Mix 

The weightage of the credit mix amounts to 10% of your credit score. You must try and keep a good “mix” of various types of credit. Student loans, mortgages, credit cards, and auto loans all lead to a good credit mix.

  • New Credit 

The weightage of new credit amounts to 10% of your credit score. You must try not to open several new credit cards at once. This results in hard inquiries that lower your credit score and make you look like a credit risk.

How Does Credit Repair Work?

How does Credit Saint repair your credit? What does Credit Saint do? Well, you have a legal right to ensure that everything mentioned on your credit report is accurate. Therefore, Credit Saint takes action from your side to ensure that’s exactly the case.

Don’t forget that according to the Fair Credit Reporting Act, anything inaccurately mentioned on your report must get removed. A credit bureau or your original creditor can do this removal.

Now that you know the basics of factors affecting your credit score, you might want to know what Credit Saint does exactly. Credit Saint addresses some of the primary factors affecting credit scores on your credit report.

The company addresses the factors mentioned above by disputing factors like inaccuracies and late payments by analyzing your credit report as thoroughly as it can. It looks through your report to spot items or mistakes that it can potentially remove.

Spotting Errors 

According to the FTC, one person in five located in the United States has at least one error. That means there are about 40 million credit reports with mistakes!

These mistakes seem to have a heavy impact on your credit score. For example, an individual takes a loan that has been reported under your social security code and then doesn’t repay it. These errors occur more than you think and could drop your scores quite fast.

Not all mistakes on your credit report are honest ones. Based on a study conducted by Javelin, over 16 million consumers from the United States were victims of identity theft. This report was for 2017 alone. These criminals stole over $16 billion from individuals that same year.

What these criminals do is start credit accounts under an innocent victim’s name. It’s not an unusual phenomenon for individuals to check their credit reports and see activities they hadn’t initiated. They might also see a lower score on their credit report than what they expected.

In these times, a credit repair company like Credit Saint can work for you by clearing up these suspicious activities. These situations need packages that have the most aggressive services for the company to keep fighting all these issues.


Next, the company looks at all the negative or inaccurate items on your credit report. The company starts with communicating with the credit bureaus and your creditors to dispute all the wrong or negative items. Furthermore, Credit Saint helps you develop personalized dispute letters, addressing the situation at hand.

The company then either aggressively attacks items like repossessions or bankruptcies or simply disputes charge-offs and late payments. This depends on the plan you have chosen.

Credit Saint will prepare a round of disputes after a period of 45 days. After this, the company pulls your report to re-evaluate it and look at any positive changes in your credit report. It will then give you a report of all the progress in your credit score after they offered you their services.

The company will always give you access to the online page designated for you to monitor your progress. Additionally, about 95% of the company’s customers have reportedly seen at least a little progress during the first 45-days.

Personal Consultancy And Helps You Build On Other Factors

To start, the company will assign you an individual advisory team consisting of specialists to take over your case. These specialists will always be available to answer any questions you have and make you understand your credit report status.

A specialist from your team consults you initially, going over your report. They also let you know how they will be able to help with your situation in detail. During your consultation, the specialist will also give you customized advice for your situation. Additionally, they will talk about how you can improve your credit score and then maintain it.

For example, the company notices that you have a high credit utilization. They might ask you to open one more line of credit to pay down whatever you have. Or they might recommend you diversify your types of loans.

If you only own credit cards, it’s best if you take a loan for something else, like a car loan or a personal loan.

Types Of Services

You can get Credit Saint’s services by subscribing to one of the three membership levels the company offers. The company has designed the membership levels according to how aggressive it needs to be to rid your credit report of inaccuracies.

After considering your credit report history, you can select these customized plans to meet your wants without overpaying. Here are some introductions of the plans to help you decide.

Credit Polish 

The basic repair plan for your credit report from this company has five inaccurate information disputes per month. You can apply these to all types of information, with the exception to hard inquiries. Credit Saint only covers hard inquiries with their upgraded plans.

You will also get an analysis of your credit score in the beginning. Additionally, the company offers you a score tracker to keep a check on your progress. You can access both through a customer web portal. Furthermore, you will also have access to creditor interventions (desist and cease letters).

Here are some features this plan offers:

  • Access to Credit Saint’s resources online
  • Debt validation
  • Phone support
  • Repair for identity theft
  • Challenges to post-deadline payments, account charge-offs, collection agencies

Credit Remodel 

Credit Saint has this mid-tier plan that gives you everything Credit Polish does with some additional services. You will have access to twice the number of inquiries you made with Credit Polish.

The company includes ten credit inquiries per month for you to address any inaccurate hard inquiries. Additionally, you will get access to credit monitoring by Experian. Here are some features you can access with this plan.

  • Access to Credit Saint’s resources online
  • Debt validation
  • Phone support
  • Repair for identity theft
  • Challenges to post-deadline payments, account charge-offs, collection agencies
  • Escalated requests for information
  • Challenges to bankruptcies and repossessions

Clean Slate 

This is the most aggressive credit repair package Credit Saint offers and has unlimited disputes during each billing period. By buying this membership, like others, you will be able to ask Credit Saint to send a cease and desist letter from your side.

This might become the answer to stop unsolicited calls related to accounts existing in collections. However, you will have access to every single service included in Credit Remodel and Credit Polish as well. Here are some features you can access with this plan.

  • Access to Credit Saint’s resources online
  • Debt validation
  • Phone support
  • Repair for identity theft
  • Challenges to post-deadline payments, account charge-offs, collection agencies
  • Escalated requests for information
  • Challenges to bankruptcies and repossessions
  • Dispute Avalanche (this feature speeds up the process of your credit report while simultaneously attacking negative items)
  • Challenges to judgments

Important Additional Information

Optional Add-Ons

Many credit repair companies provide supplemental services as optional add-ons. However, since Credit Saint brings you all its solutions in their packages, the company doesn’t have any other options.

Customer Service

You can contact the company via email or phone easily. If you require help during non-working hours, you will have to log into its customer portal.

The Credit Saint portal stays active 24 hours a day, so you need not worry about time restrictions. Additionally, you will also get your credit score and score analysis tracker on your personal portal.

Contract Duration And Guarantee 

Credit Saint doesn’t bind its clients into contracts. Therefore, all the services it offers are month-to-month. This will allow you to terminate your plans anytime you want without additional charges. All you have to do is contact a company representative via email or phone and ask for a cancellation.

You need to ask for cancellation before the next date of cancellation. One of the most admirable attractions of Credit Saint is the 90-day money-back guarantee. According to this, the company promises that if they cannot eliminate a single inaccuracy from your report, you will get a full refund.

However, customer complaint information showed that many former clients hadn’t gotten their refund. These clients didn’t get the refund they thought they deserved.

You must read the information before you sign with Credit Saint or any other credit repair company that advertises a guarantee. You need to ensure that you get a proper explanation of the exact results you should get with the date in writing.

This will eliminate any uncertainty if you ask for your money back after the mentioned period.


Click here to visit the official website of Credit Saint 


Former customers of the company have given it average ratings and mixed reviews. However, The Better Business Bureau has generously given the well-deserving company an A-rating. Furthermore, there aren’t any complaints registered with the Consumer Financial Protection Bureau, and it has a rating of 4.2 stars on Google.

The company has numerous advantageous features that could be exactly what you need. Hopefully, these Credit Saint reviews have given you a better idea of what to expect from their services.

Before your credit score dips further than it already has, work with Credit Saint to get your needs met!

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