Credit Saint Review | Does It Guarantee Credit Score Improvement?

Good credit score means not only will you be able to apply for easier loan terms but also avail better credit card offers and lower interest rates. So, if your credit report isn’t looking good, you can go through the Credit Saint review here to find out how this amazing company can help remove negative items from your credit history for producing a better credit score

What Will We Talk About Here?
  • Credit Saint offers credit repair services through 3 different plans namely, Credit Polish, Credit Remodel, and Clean Slate. Each plan has different monthly charges and a one-time, first work fee.
  • Credit Saint stands out because of its 90-day money back guarantee, free consultation, A rating from BBB, online easy monitoring, and flexible credit repair plans.
  • Most basic plan at Credit Saint can cost you $79.99 per month.

…and Much More!

Credit Saint Reviews – In a Nutshell 

Credit Saint is an impeccable and reliable financial service that can help you repair your credit score quickly. It works by disputing negative items on your credit report to develop a better history. 

  • Afterwards, it will also guide you on how to keep a positive payment history and avoid poor credit situations in the future. 

Needless to say, there is a fee for availing this service. However, since the company offers a 90-day money back guarantee and some custom-tailored plans to fit your financial needs. If you don’t benefit from their service, you can always claim back the charges. 

Note! Credit Saint has maintained A rating with Better Business Bureau since its accreditation in 2007. 

The company takes the responsibility of removing anything that is inaccurate on your report as well as items that are misleading, incomplete, or unverifiable. However, it would be wrong to hope that they can challenge everything that you don’t like. Some items can be difficult to remove regardless of all the effort that they put in. 

Credit Saint Key Features 

There is more than just one credit repair agency operating in the US and worldwide. In fact, the competition is quite tough. Therefore, it is important to look into why Credit Saint stands out from the rest of the option. Here are some features that users have loved the most about this credit repair service. 

A Rating From Better Business Bureau

As we mentioned before, the company was credited back in 2007. Ever since, it has maintained an A rating with BBB. Where most other companies are not even acknowledged by BBB, some leading ones have been unable to maintain such a good reputation throughout their operational years. 

Going through customer reviews on the internet will also give you a good idea about their reliability. The company has collected nothing by good Credit Saint review over the years as compared to some other agencies that have been rated F by BBB and carry poor customer interest. 

90-Day Money Back Guarantee

The agency is quite confident about the services that they offer because, in case they are not able to deliver work as promised, Credit Saint guarantees that your fee will be reimbursed. 

This type of guarantee is what most clients are looking for when they wish to have their credit standing improved. However, at the same time, the company is thorough about requesting their customers to be on their best behavior when the team is working on their case. Timely payments and not incurring additional debts would ensure that your credit is fixed in no time. 

Flexible Plans

Perhaps the best thing about Credit Saint is that it offers multiple plans to choose from so the applicants can adjust according to their budget and needs. The pricing varies for each plan. Consequently, the services differ as well.

Free Consultation For All Applicants

Everyone has the right to free consultation here. This means that you can sit down with the team and have them analyze your report before you choose any plan or pay up.

You will only be requested to choose your course of action and submit the charges once Credit Saint is sure that they can help you. Even after signing up, you have the flexibility to ask for a refund within 90 days.

Easy Monitoring Through Online Portal

You can keep a check on the progress of the time by logging in online account dashboard. The work done on your credit report would be updated their timely. You can also visit their informational section to read about how to keep your score in good shape.


  • Clients can avail of 90-day money back guarantee. 
  • The first work fee is compensated in case of additional household members signing up with the same service. 
  • You can easily search for and avail all the Credit Saint services online. 
  • The monthly fees are quite reasonable as compared to other options in the market. You may have to pay $79.99 to $119.99 per month. 


  • The company has not specified any hours of operation. 
  • In case you opt for a lowest-fee plan, there is no credit monitoring feature included. 
  • There is no option for online chat at their website. 
  • The high-cost plan charges a first work fee of $195. This is much higher as compared to other competitors. 

Credit Saint Application Process

Getting started with Credit Saint is quite easy. We will make it even simpler for you by describing the whole process in a straightforward step-by-step guide. 

Opt For Free Consultation 

In the very first step, you are required to go in for consultation so the company has a clear understanding of what is on your report and the negative elements that you want to be removed.

Consequently, the consultation officer will run a complete analysis of your credit report and determine whether your case is eligible for the repair services or not. 

Decide Which Plan You Need 

Once you are approved for a credit repair program, you can choose 1 of the 3 available plans at the agency. These include Credit Polish, Credit Remodel, and Clean Slate. Each carries variable fees and, obviously, offers a different range of services. 

  • Consultation team can guide you on which plan to choose. We will talk more about this in the next section along with their pricing. 

Deciding over the right plan is important so you don’t pay more than what you need as you will be required to submit monthly charges and fees like a one-time first work charge when opting for the program. 

Get Down To Working With Credit Saint Team 

After choosing the plan, the team would start the work immediately and clients are encouraged to participate in the process to make it more fruitful. 

  • Moreover, Credit Saint offers additional plans that you can start incorporating as soon as possible so the credit repair journey can begin right away. 

You will be given a detailed report by the end of the 45-day cycle. Depending on how much work has to be done, the company will start another 45-day cycle and provide you the report, so on. You can use the analysis to see which negative items were removed and what kind of improvement has taken place. By the end of the two cycles, you still will be eligible for a 90-day money back guarantee, if needs be.

As long as your plan is active, you can utilize their online portal to access multiple tools and guidance pages for credit repair. You can also get in touch with the consultation team and seek help as per your case. Your online account will also be updated with the progress.  

Credit Saint Pricing To Watch Out For 

As we mentioned before, the price for Credit Saint services depend on which plan you choose for the credit repair. This typically includes monthly fee and one-time first work fee. Note that 90-day money back guarantee is applicable regardless of which program you opt for.

  • Credit Polish

This plan costs $79.99 as the monthly fee at the time of the set up. You also have to pay $99 for the first time work. This plan is most suitable for people who are looking for minimal repairs in their credit report.

  • Credit Remodel

Here you will be asked to submit $99 as monthly fee and $99 one-time first work fee. Moreover, this program covers all the services offered by Credit Polish but has add-ons as well. Credit Remodel is a great option if you want to deal with too many hard inquiries on your credit report.

  • Clean Slate

This is the most extensive credit repair plan and is suggested for those who want to do a complete overhaul. The charges are $99 monthly fee and up to $119.99 as first work fee. Clean Slate works by challenging all the negative items on your report so maximum of these can be removed quickly.

Credit Saint Services 

In a nutshell, the company is dedicated to fixing errors on credit reports and removing negative items that have been added either by mistake or through your poor spending habits. Some of the negative entries that you can dispute and get fixed are mentioned below. 

  • Collections. 
  • Charge Offs. 
  • Late payments. 
  • Liens 
  • Foreclosure. 
  • Judgements 
  • Repossessions. 
  • Bankruptcies. 
  • Inquiries. 

Customer Support Service 

You can get in touch with the company by calling at 1-877-637-2673. However, keep in mind that Credit Saint office does not share hours of operation so it is not a guarantee that you would be able to contact them on the first try. 

You can also submit an online request and wait for the office to get back to you. You have to sign up for an online account for this and it only takes a couple of minutes to do so. 

Moreover, you can opt to have a team of professional credit advisors at your disposal. They will send you monthly updates on how your credit standing is doing and what you can do to improve it

Credit Saint Alternatives 

Credit Saint is not the only company in the market that is offering credit repair services. As an additional perk in this credit saint review, we have included some other great options that you can consider!

Ovation Credit Services 

Ovation Credit works in affiliation with LendingTree and the plan prices are somewhat similar to that of Credit Saint. The monthly costs start at $79 but the first work fee is lesser than that of credit saint, $89 as compared to $99 to $195. 

  • Ovation Credit offers two credit repair plans whereas Credit Saint has three plans in stock. 

Most customers, however, have pointed out that Credit Saint is a better option for those looking into routine monitoring and credit repair services. Ovation stands out when it comes to sending unlimited custom validation and goodwill letters to creditors. 

Lexington Law

Lexington Law works by providing you with a team of lawyers who can assist you in making the right repairs to your credit report. Moreover, it is less costly than Credit Saint and yet carries admirable reputation in the market.

However, it is important to not here that this firm may take up to 6 months to make visible changes in the report. Therefore, if you add up all the charges, it can end up costing you more.

Sky Blue Credit Repair

Another option is that of Sky Blue Credit Repair. It was launched back in 1989 and has maintained stellar reputation since then. It is also the most affordable service costing just $79 per month.

The company is also known for its quick services and may be able to improve credit score within months as they typically tackle more than 15 negative items simultaneously.

The Bottom Line 

So this was all on Credit Saint review!

Although Credit Saint does not guarantee improvement in credit score overnight, it is still one of the best services that quickly gives results. It offers a 90-day money-back guarantee if it is not able to remove at least a couple of derogatory items from your credit report. 

  • Credit Saint is composed of professionals who are well-equipped with the expertise of credit repair.

Moreover, it hosts tools and an informational section that will guide you on how to keep your credit standing strong once the score has been raised successfully. 

Nonetheless, don’t expect a miracle! Credit repairing can take some time and the process can be costly especially for those who have started with quite a poor score. However, on the bright side, a good credit score will make you eligible for better loan terms and credit cards in the future. 

Frequently Asked Questions 

Will Credit Saint really work and improve my credit score quickly? 

The company has maintained a superb rating with BBB and offers a 90-day money back guarantee in case it is not able to deliver the service as promised. This shows that the team is quite professional in fixing credit reports.

How much can Credit Saint improve my score? 

There is no guarantee for the exact number of points that Credit Saint can improve on your credit report. However, most customers have shared good reviews and some pointed out that their score increased by 60 points by then of the service. That’s quite the jump! 

Does Credit Saint cost a lot? 

Charges for credit repair services depend on the plan that you choose. The monthly fee is $79.99 and the first work fee is $99 for the Credit Polish program. As compared to this, the Credit Remodel is a bit expensive plan, costing $99 as monthly fee and $99 for first work fee. 

What is the best and most reliable company for credit repair and fixtures on a credit report? 

Some of the best companies for this purpose are Ovation Credit, Credit Saint, The Credit Pros, Sky Blue Credit and The Credit People. 

Can I fix my own credit score quickly?

You can improve your credit score by getting rid of the debts and ensuring that all future payments are timely. Moreover, you should dispute any errors that you think can be removed. This would drastically improve the outlook of your credit report.