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Credit Saint Credit Repair Review
By Michelle Lambright Black MONEY RESEARCH COLLECTIVE
Between January 2020 and September 2021, the CFPB received more than 700,000 consumer complaints about the major credit reporting agencies (Equifax, TransUnion, and Experian). So it’s no surprise that many consumers want a professional credit repair company to help them rather than trying to navigate the credit repair process alone.
If you’re comfortable paying a company to handle the credit repair process for you, Credit Saint could be a good option to consider. Credit Saint doesn’t have the lowest prices available. But the company does offer a valuable suite of services with an outstanding money-back guarantee policy that’s hard to beat.
Table of Contents
- Credit Repair Overview
- Credit Saint’s Services
- Credit Saint’s Credentials
- Credit Saint’s Accessibility
- Credit Saint’s Customer Satisfaction
Credit Saint Credit Repair Overview
- 90-day money-back guarantee
- Unlimited disputes available
- Cancel anytime
- High customer satisfaction ratings
- Escalated information requests
- First work fee higher than some others
- Limited disputes with lower membership tiers
- Not available nationwide
Credit Saint, a credit restoration company based in New Jersey, has been in business for more than 15 years. For a fee, Credit Saint offers to help consumers identify mistakes on their credit reports (from identity theft, fraud, credit reporting errors, and more) and then manage the dispute process.
Credit Saint isn’t the cheapest credit repair option around. The cost of of services is near the middle of what you’ll find at other companies. But the company does offer unlimited disputes with its most expensive membership package and stands out among competitors with an impressive 90-day money-back guarantee. If you don’t see any change in your credit reports (aka items deleted) within 90 days, you’re entitled to a full refund.
Credit Saint’s Services
Around 40 million Americans have errors and inaccurate items on their credit reports. And although the Fair Credit Reporting Act lets you try to fix your credit inaccuracies for free, many people find the dispute process to be stressful and frustrating.
If you’re too busy or too overwhelmed to repair bad credit on your own, here’s a look at the types of services Credit Saint can provide.
What they offer
Credit Saint offers a free credit consultation to begin. From there, there are three different membership tiers with varying services included
Below is a breakdown of the cost and services included with each membership plan.
| Clean Slate Package | Credit Remodel Package | Credit Polish Package | |
| Price | $195.00 Initial Fee $119.99 Per Month |
$99.00 Initial Fee $99.99 Per Month |
$99.00 Initial Fee $79.99 Per Month |
| Unlimited Disputes to 3 Credit Bureaus | ✔ | x | x |
| Disputes to 3 Credit Bureaus (with Limitations) | Not Applicable | ✔ | ✔ |
| Creditor Interventions | ✔ | ✔ | ✔ |
| Credit monitoring and alerts | ✔ | ✔ | ✔ |
| Inquiry Disputes | ✔ | ✔ | x |
| Credit Score Tracker | ✔ | ✔ | ✔ |
| Credit Score Analysis | ✔ | ✔ | ✔ |
The most comprehensive (and most expensive) membership option, Clean Slate, comes with unlimited disputes to the three credit bureaus—a valuable feature. With unlimited disputes, customers might finish the credit repair process sooner. This could potentially save you time and money when compared with credit repair packages with dispute limitations.
What they don’t offer
- Unlimited Disputes to All Customers: Only the most expensive membership plan (Clean Slate) comes with unlimited disputes to the three major credit bureaus. The other plans include fewer disputes, but Credit Saint’s website doesn’t disclose the exact number.
- Credit Inquiry Disputes for Everyone: Credit Saint’s least expensive membership package (Credit Polish) does not include disputes of credit inquiries. If you’re interested in inquiry disputes, you’ll want to explore one of the company’s other membership options.
- Mobile App: Customers of the credit repair program do not have access to a mobile app to manage their experience.
Credit Saint’s Credentials
Anytime you consider hiring a credit repair company, it’s important to determine whether the company is reputable and legitimate. Here’s what we discovered when we looked into Credit Saint.
Licenses and registrations
There is no information on the company’s website about any licenses or registrations that Credit Saint holds.
Awards and certifications
Credit Saint has been ranked as a top credit repair company in the U.S. by several websites including
- Money (Best Overall)
- The Credit Review (#1 Pick in Credit Repair)
- Consumer Affairs (#1 Customer Service)
- Credit Takeoff (#1 Pick in Credit Repair)
- And More
Regulatory or legal actions
At the time of this writing there are no known regulatory or legal actions pending against Credit Saint.
Credit Saint’s Accessibility
Availability
Credit Saint is based in New Jersey. However, the company offers credit restoration services online and via phone to consumers throughout most of the country.
Credit repair services from Credit Saint, however, are not available everywhere. If you live in one of the following states, you won’t be eligible to use the company’s services:
- District of Columbia
- Kansas
- Maine
- Mississippi
- Oregon
- South Carolina
It’s worth pointing out that credit repair laws vary from state to state. So it’s typical for credit repair companies to only offer services to consumers in certain locations.
Contact information
If you want access to Credit Saint and its advisory team, there are several ways to contact the company.
- Phone: 877-637-2673
- Fax: 888-400-4679
- Mail: Credit Saint, LLC, P.O. Box 110, Oakland, NJ 07436
- Online Portal: Available to Customers Only
There is no online chat feature or mobile app available at this time.
User experience
Consumers who are interested in services will want to know how Credit Saint works. The process with a free credit consultation. Those who do opt to hire Credit Saint can expect a three-part credit repair process.
- Step One: Credit Saint creates a credit monitoring account for the customer with CreditSquad.com (a company that shares common ownership with Credit Saint)
- Step Two: Someone from the Credit Saint advisory team will review your credit report with you. During this analysis, you will identify any negative items in your credit history that you believe to be incorrect or questionable.
- Step Three: Credit Saint consultants will also help you go over your positive credit history and come up with a plan to optimize it.
Credit Saint also provides access to an online account page where you can track your progress. The online portal has three features—timeline, progress report, and credit analysis details. This information should help you understand the condition of your credit in the beginning of the credit repair process, the current work that Credit Saint is doing on your behalf, and any credit report changes that have taken place.
Credit Saint’s Customer Satisfaction
Customer complaints
It’s unusual for a credit repair company (or most other types of businesses) to have a completely clean record when it comes to customer complaints. However, it’s important to pay attention to customer complaints anyway to make sure there’s not an alarming number of unhappy customers or other potential red flags.
Third-party ratings
Credit Saint has no known consumer complaints in the CFPB Consumer Complaint Database.
Here’s a look at how Credit Saint ranks on three popular online review websites.
- Google: Credit Saint receives 4.8 out of 5 stars with Google. The rating is based on nearly 4,500 consumer reviews.
- Better Business Bureau: Credit Saint has a BBB rating of “A” and has been accredited since 2007. The BBB has received 58 complaints against Credit Saint in the last three years (14 in the last 12 months). The company also receives 3.71 out of 5 stars based on customer reviews.
- Trust Pilot: Credit Saint has a rating of 4.2 out of 5 stars on Trustpilot. The company has received 74 reviews. Reviewers gave the company the highest possible rating of excellent 68% of the time and the lowest possible rating of bad 19% of the time.
Credit Saint FAQs
Is Credit Saint a trustworthy company?
Credit Saint has high customer satisfaction ratings on Google and Trustpilot and an "A" rating with the BBB. (Note an A+ BBB rating is the highest available.) At present, there are no known regulatory actions pending against the company.
Does credit repair with Credit Saint actually work?
Credit Saint does not promise to repair your credit. No reputable credit repair company will make such promises since every situation is different. However, Credit Saint does have more than 15 years of experience helping consumers work on inaccurate credit problems such as bankruptcies, late payments, collection accounts, charge-offs, repossessions, and more.
How much does Credit Saint cost?
Credit Saint has three credit repair plans. The least expensive option (Credit Polish) features a setup fee of $99 and $79.99 monthly fees. The most expensive membership option (Clean Slate) features a setup fee of $195 and $119.99 monthly membership fees. Membership cancellation is available anytime.
Does Credit Saint offer a refund?
Credit Saint offers customers one of the best guarantees in the credit repair industry—a 90-day money-back guarantee.
How We Evaluated Credit Saint Credit Repair
Credit repair companies provide a useful service when they operate the right way. But credit repair is an area where financially-pressed consumers may be particularly vulnerable to scams.
We consider many important factors when we review credit repair companies like Credit Saint. Some of the details we examine include:
- Cost of Services (and how those fees to other credit repair companies)
- Services Provided (the cheapest monthly option isn’t always the best)
- Upfront Fees (illegal under the Credit Repair Organizations Act)
- Warranties or Guarantees
- Customer Reviews
- Regulatory Actions and Complaints to Government Agencies
Remember, the best credit repair companies will never make unrealistic promises about the results you may see (e.g., “Good credit guaranteed!”). And they’ll never ask you to lie or break the law.
Summary of Miami Herald’s Credit Saint Review
- Credit Repair Overview
- Credit Saint’s Services
- Credit Saint’s Credentials
- Credit Saint’s Accessibility
- Credit Saint’s Customer Satisfaction
Michelle Lambright Black is a nationally recognized credit expert with two decades of experience. Founder of CreditWriter.com, Michelle's work has been published thousands of times by FICO, Experian, Forbes, Bankrate, MarketWatch, Parents, U.S. News & World Report, and many more.