Credit Saint Review – Is It a Scam?

Credit Saint Review

Are you looking for a credit repair company to help improve your credit score?

Credit Saint is a great option to consider. They provide their clients with the tools they need to succeed and have a team of experts to answer any questions you may have.

With Credit Saint, you will get access to your personal account manager, who will help guide you through the process of improving your credit score. You will also be able to use the Credit Saint app, making it easy for you to keep track of your progress.

This post provides an in-depth Credit Saint review and lets you know if it’s legit or just a scam.

Credit Saint Company Overview


Credit Saint’s services started in 2004 in New Jersey and has provided individuals with the tools to succeed ever since. They are a leading provider of education and guidance on credit management.

The company has maintained an A rating with the Better Business Bureau (BBB) since its accreditation in 2007. They have a reputation for helping customers, and their services are backed by a 90-day money-back guarantee.

Their goal is to help you raise your credit score by removing negative and outdated information on your credit report. They also help you build your credit by providing access to several credit-building tools.


What Items Does Credit Saint Work On?

Credit Saint works to help their clients plan to improve their credit scores.

This includes educating you on how your credit score is calculated and repairing any errors that may be on your credit report.

The company will work with you to identify all negative or misleading information listed on your credit report and any accounts that have been reported incorrectly. They will then directly dispute that information with the credit bureaus to remove it from your report.

They also work with creditors on their clients’ behalf to negotiate any negative account statuses or unpaid accounts so they can be paid in full and closed, thus improving your score.

Some of these items include:

  • Collections accounts
  • Judgments on your credit report
  • Bankruptcies on your credit report
  • Tax liens on your credit report
  • Late payments
  • Outdated accounts
  • Inaccurate information on your credit report
  • Evictions on your credit report

Credit Saint will act as your advocate, challenging anything on the reports that are inaccurate or misleading. In addition, the company has an expert team to help you clean up any mistakes from years ago and get back into good standing with banks nationwide.

That said, you should go into this with curbed expectations. While Credit Saint will help you remove items on your credit report that shouldn’t be there, items on your credit report that are legitimate will have a more challenging time getting removed.

Click for Credit Saint Free Consultation


Credit Saint Plans and Pricing

Credit Saint offers three plans and pricing options on their website. Each one has a different level of aggressiveness based on your current credit score, the number of accounts you have on your report, and how much time you want to spend on a monthly basis.

These packages are:

PackageInitial Work FeeMonthly Price
Credit Polish$99$79.99 / mo
Credit Remodel$99$99.99 / mo
Clean Slate$195$119.99 / mo


Credit Polish

Credit Polish is a great place to start when you want your credit in order, but it doesn’t provide the full range of available services. It only eliminates minor issues like late payments and collection account notifications on an individual’s report.

This is an excellent service if you’re in the market for a mortgage or auto loan and want a clean report before you apply.

Credit polish package Includes:

  •  Challenges to the 3 Major Credit Bureaus
  •  Score Analysis
  •  Creditor Interventions
  •  Score Tracker

Sign up for Credit Polish


Credit Remodel

If your score is at or below 630, it may be a good idea to start with Credit Remodel. This more aggressive option does not clear away all negative items from your credit reports, but it will work with the credit bureaus to remove as much as possible.

This program is suitable for anyone with bankruptcies or tax liens on their reports. As with Credit Polish, it can help remove late payments and collection account notifications.

Credit Remodel package Includes:

  •  Challenges to the 3 Major Credit Bureaus
  •  Score Analysis
  •  Creditor Interventions
  •  Score Tracker
  •  Inquiry Targeting
  •  Experian Monitoring

Sign up for Credit Remodel


Clean Slate

This is the highest level of service that Credit Saint offers. It’s for people who have significant credit issues and need help with all types of negative items on their report, including bankruptcies, tax liens, and multiple unpaid collections accounts.

Clean Slate package Includes:

  •  Unlimited Challenges to the 3 Major Credit Bureaus
  •  Score Analysis
  •  Creditor Interventions
  •  Score Tracker
  •  Inquiry Targeting
  •  Experian Monitoring

You’ll need to decide which credit repair plan works best for you based on your current financial situation. Credit Saint provides a free credit consultation to help you decide which program is best for you. You can sign up for a free consultation by clicking here.

Sign up for Clean Slate


What Does Credit Saint Do?

Credit Saint begins their work once you’ve decided which plan works best for you. Then, they will look at your reports to find problems and situations that aren’t accurate.

The Fair Credit Reporting Act requires that any errors on your credit report be fixed. If you have been wrongfully accused of an act or missed payment, then the creditor should remove this information from their records to not affect future borrowing decisions.

They will also take a look at the details behind the problems. For example, if a collection account is on your report with an inaccurate balance or the incorrect date of delinquency. Credit Saint will assist you in gathering the evidence to get this information removed from your report.

Because everyone’s financial situation is different, Credit Saint personalizes their strategy based on your needs. They accomplish this in a few simple steps:


Consultancy Session

Credit Saint will conduct a free online credit consultancy session with you to understand your financial situation. They will ask where you are in life and your goal for your future. This process starts the foundation for structuring their plan to improve your score.

Once this is complete, they will assign you an advisory team and contact you to start the program.

A member of your advisory team will go over your credit report in detail and let you know what steps can be taken to improve it.

They’ll also give personalized advice based on the information gathered from this consultation, which may include suggestions like paying off debts or applying for loans that would help increase a person’s score sooner than later.


In-depth Credit Report Analysis

Your advisory team will conduct an in-depth analysis of your credit report based on your goals. For example, what you want to accomplish in the next 5 years, 10 years, or beyond.

They will look at your credit report holistically by reviewing positive and negative marks, public records, and other factors that impact your score.

This step includes gathering evidence for incorrect information on your reports, including delinquencies, public records, and other inaccurate data points.


Dispute Items

Once your credit report is thoroughly analyzed, they will work closely with you to dispute those items that won’t be removed on their own.

In most cases, Credit Saint is successful in removing negative items from a credit report, but there are some instances where the creditor must do the work for you. In this case, a member of your advisory team will work with this creditor to achieve the desired result and remove the negative mark.

If you have paid off a collection account and it still shows up, Credit Saint will help remove that information. In addition, if the debt is too old or too new to fall within their guidelines, they will work with you on this issue, so your credit report doesn’t hold back future goals.

The process for removing incorrect public records is similar. Again, depending on the nature of the matter, they will work with you to get inaccurate information removed from your reports.

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Credit Saint Pros and Cons

There are many reasons to use the services of Credit Saint. Here is a list of pros and cons to consider before signing up for their service:


  • Credit Saint is A Rated with the BBB, which means they have successfully addressed customer issues in the past.
  • Their process is transparent and flexible, meaning they provide a valuable service that can be tailored to each person
  • 90-day money-back guarantee, in case you are not satisfied with their service
  • Access to an online portal 24 hours a day, 7 days a week
  • Credit Saint will write 100% customized letters to credit reporting agencies, creditors, and debt collectors for incorrect or unverifiable items.


  • Fees involved: Minimum $99 First Work fee and $79/month after that
  • Not available in all states


How Credit Saint Helps the Factors That Impact Your Credit Score

Credit Score Factors

Your Credit Score is based on 5 factors. They include:

1. Payment History – This category accounts for 35% of your credit score and includes information about any recent delinquencies or late payments.

2. Credit Utilization Ratio – The amount of debt vs. your available credit impacts 30% of your score.

3. Length of Credit History – This includes the age of any open accounts or recent applications showing how long you have successfully used credit. It’s 15% of the total score

4. Mix of Accounts – The types of open credit lines you have available for you. This makes up 10% of your credit score.

5. New Credit – This category accounts for 10% of your score and includes any recent credit applications, even if they were denied

Your advisory team will help maximize your score by providing information to support you throughout all 5 categories.

For example, if you have experienced some late payments in the past, but they are in the past, you might be able to get them removed from your credit report helping improve your Credit History. As one of the most critical factors, this could make a real impact on your score.

Your Credit Saint team will also help maximize the types of accounts you have and provide any additional credit if needed, which is an important factor in achieving the highest possible score.

They also advise you on the best strategy for paying down your debts, including credit cards, loans and other standard debts.

This shows that you are financially responsible and is another important factor in increasing your credit score.


How Long Does it Take For Credit Saint to Improve Your Credit?

How long it takes to improve your credit depends on specifically what is being worked on. In some cases, Credit Saint can help you get an item removed from your credit report or add points to a particular category in as little as a 45 days. Credit Saint works in 45-day cycles, so you’ll need to have patience as they work through your credit repair process.

For example, if the negative information has been removed from your report because it’s too old, it is unnecessary to monitor that. Instead, you can check your credit reports before and after using Credit Saint’s service to see the difference.

However, if you are working on improving your debt utilization ratio, you have several years of negative information listed in this category. While it is possible to make improvements in 90 days (beginning with the month immediately following your enrollment in the program), it can also take up to a year for this category to improve.

Credit Saint’s team of credit repair professionals has seen excellent results when working with their clients and can significantly impact your credit score in less time than you might think.

Sign up for Credit Saint


What Are Current Credit Saint Customers Saying?

In conducting our research for this Credit Saint review, we felt it was also necessary to understand current customer feedback and how they felt the program had worked for them.

Current Credit Saint customers offer insight into their experience with the company and credit repair process.

One of the most important factors for choosing a credit repair service is how well they communicate with you throughout the entire process.

According to several online reviews, it seems like Credit Saint is on top of that as well. In addition, their support line has expedient customer service representatives who are available to answer any questions you may have at all times of the day.

They also offer secure access to your credit reports and information through your online account page so that you can monitor your progress yourself or with the help of their team 24 hours a day.

Another area where Credit Saint has received positive reviews is in their attention to detail. They make sure to fully monitor and work on every aspect of your credit score and update you as frequently as possible throughout the process.

Credit Saint also seems to be very upfront about what they do and how they do it, placing special attention on the importance of the human element in their services. Their dealings with clients are done with the utmost respect and care. They don’t offer unrealistic expectations or promise overnight results, but rather work to help you achieve the highest possible credit score in a realistic timeframe with personal attention.

The Better Business Bureau is also quick to note that Credit Saint is a BBB Accredited Business with an A-plus rating for excellent business practices and ethics.


Does Credit Saint Really Work?

Based on the information found in this Credit Saint review, it is clear that they are a reputable credit repair service in their own right.

Their business practices have withstood scrutiny in numerous online reviews and forums for consumers to offer feedback about their company experience and services.

As we learned during our research, Credit Saint offers excellent support, communication, and secure access to your credit information. In addition, they are upfront about what they can do for you and how long it will take, placing special attention on the human element of their services.

What they do and how they help you will depend on the package you choose and your unique needs and circumstances. However, there is no evidence to suggest that their service is anything but legitimate and reputable.

Sign up for Credit Saint


Credit Saint FAQ


How will I know progress is being made?

As you log in to your online account, there is a timeline and progress report that will show how much time has passed since the start of this project. You can also view credit analysis by selecting “Credit Analysis” from your dashboard menu options.


Can I use Credit Saint if I have just a few issues?

Yes, Credit Saint is designed for any credit situation where you have been denied credit/loans or have bad credit. From a low FICO score to bankruptcy and foreclosure, Credit Saint offers services that will help you get back your financial freedom.


Does Credit Saint refund money if I am not satisfied with their services?

Yes, you can cancel within 90 days of enrollment for a full refund. There are no other fees or penalties.


How does the 90-day refund work?

For the first month, you only pay a small enrollment fee and if satisfied, simply continue with the program and future payments. If not satisfied, cancel (before your next payment) within 90 days of enrollment to refund the last payment. There are no other fees or penalties.


What types of credit repair does Credit Saint offer?

Credit Saint offers services to help you repair your credit from various situations. This can include clearing up errors, removing judgments and liens as well as negotiating with creditors to lower your interest rates and monthly payments.


Does Credit Saint offer credit monitoring?

Yes. Your account includes the ability to monitor your credit reports for free.


How often are my credit reports updated?

Your monthly report will be updated each month on the same day that your payment is processed. In addition, your free annual report will be available 30 days after enrollment has been completed.


Can I repair my credit on my own?

Yes! In fact, there are some fixes you can make on your own that can be corrected in 30 days. That said, Credit Saint has the experience and relationships to address your issues with quicker results if you’re in a hurry to improve your credit score. Also, Credit Saint can handle many of the tougher issues such as bankruptcy or liens. 



Depending on your situation, Credit Saint may be the perfect credit repair service for you. They are BBB accredited with an A-plus rating and offer various services to help clear up any mistakes or bad marks on your report.

While you can certainly repair your credit on your own, Credit Saint offers a highly personal experience that is well worth the cost. So if you’re looking for someone to help guide you through the credit repair process or simply want an expert to offer advice and complete your work, Credit Saint may be the perfect service for you.

If you are in the market for a loan, using Credit Saint may help remove negative items faster than doing it on your own. Depending on your situation, it can also help remove items that might otherwise be ignored.

Credit Saint is a great choice for anyone looking to repair their credit with comprehensive personal attention and support.

Credit Saint has received positive reviews for their attention to detail and clear communication. Their process is designed to help you achieve the highest credit score in a realistic timeframe with personal attention.

As with any service, it’s important to read the Terms and Conditions carefully before signing up for Credit Saint to make sure you understand their policies and what they offer.

Credit Saint is one of the best credit repair companies due to their transparency, attention to client details and results. The credit repair industry is filled with a number of shady business that fail to deliver, Credit Saint isn’t one of them. They provide solutions to restore your credit score by removing inaccurate items, identity theft and more.

We hope this Credit Saint review helped answer questions about their services.


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Credit Weld is committed to providing you with the most up-to date, accurate and detailed information possible. In order for us to offer this information for free, sometimes we are compensated by various companies that we feature. This helps pay for our writers time in order to provide meaningful and helpful information to get our readers on the path to better credit. 

Regardless if a company is compensating us or not, we only accept these opportunities when the post, will be helpful or valuable to our readers and is something that fits within the context of this blog. 

Finally, our readers comes first. We only recommend products or services that we would use ourselves and have gone through a significant amount of research before posting.  If we feel this product or service is not to our standards we will not recommend solely due to  money.

You can trust that when you read any article on Credit Weld, the interest of the reader comes first and the information provided leads to one goal: Improving your credit for life.