Written by: Matt Walker
Edited by: Lillian Guevara-Castro
Reviewed by: Ashley Fricker
You’ve heard of the old saying, “You can lead a horse to water, but you can’t make it drink.” The same goes for credit repair.
Sure, you can pay a company to dispute false items on your credit report and improve your score. But, without the proper financial knowledge, can you really expect to maintain that score for the rest of your life?
Credit Saint designed its three service tiers to freshen up your credit score. But you can also expect to learn ways to take your new credit score and continue the positive momentum, so you won’t have to pay anyone ever again to repair the damage caused by previous mistakes.
Services | Guarantee | Consumer Reviews | Alternatives
3 Service Tiers for Tailored Credit Repair Solutions
Credit Saint doesn’t just sell credit repair and improved credit scores. The company touts its services as a custom-tailored solution to improve your financial outlook and provide you with the added know-how to keep your score trending in the right direction. To be fair, almost all credit repair companies have a similar claim.
But Credit Saint doesn’t accept every customer who applies for its services. As part of an initial consultation, the company verifies whether the items you want to remove are valid and disputable, such as falsely reported or outdated items that you should not have on your profile.
The company will offer its services if you can show that you have a legitimate case. If so, you’ll have options to clear your credit history and delete the marks weighing heavily on your credit score.
Whichever option you choose will include a one-time first-work fee as well as a monthly charge for the duration of the service. The amount of time it takes to clear the errors from your report will vary based on the number and complexity of claims listed on your file.
Credit Saint specializes in three main services that each offer a varying degree of credit consultation and representation. The first tier, Credit Polish, offers what the company calls a “medium amount” of aggressiveness.
For $79.99 per month and a $99 first-work fee, you’ll receive access to Credit Saint Online, as well as a team that will dispute false or outdated items that include late payments, identity thefts, charge-offs, and collections, on your credit report.
The Credit Remodel tier offers a high degree of aggressiveness for $99.99 per month and a one-time $99 first-work fee. You’ll receive all the benefits listed in the Credit Polish tier as well as be assigned a representative who works to remove false or outdated negatives related to past bankruptcies and repossessions. The rep can also provide escalated information requests to the three major credit reporting bureaus on your behalf.
Credit Saint’s top package, Clean Slate, offers the highest level of aggressiveness for $119.99 per month and a $195.00 first-work fee. With this package, you’ll receive everything stated in the previous tiers, as well as attempts to clear false judgment info from your credit report.
You’ll also receive credit avalanche, which offers an unlimited number of disputes. Some credit repair services limit the number of disputes they file on your behalf. This package can potentially speed up the credit repair process and get you to a better score faster.
90-Day Money-Back Guarantee for All Services
Perhaps the most attractive part of the Credit Saint offering is its 90-day money-back guarantee. The company pledges that you’ll see the first signs of improved credit within 45 days of enlisting its service. But if you haven’t seen any items removed within your first 90 days, you can cancel the service and receive your money back.
To receive your guarantee, you must:
- Be an active participant in the program for 90 days
- Create no new derogatory tradelines to your credit report after your participation in the program begins
- Make all payments owed to Credit Saint during the 90 days in a timely manner. Late or missed payments will void the guarantee.
You must also give Credit Saint 30 days from the refund request date to allow the company to review your account and verify that no negative items were removed during the 90-day period.
Refunds cover the first 90 days of service and no extra time accrued while reviewing your service history.
Note that Credit Saint isn’t the only company to offer a money-back guarantee. Our top-recommended credit repair company to offer a similar guarantee is Sky Blue Credit Repair®.
Credit Saint Reviews Around the Web
Credit Saint has mixed online reviews. While many former customers rave about the company’s ability to give their credit score a boost, others aren’t as thrilled with their customer service, or the fact that Credit Saint’s services are not available in Georgia, Kansas, Louisiana, Ohio, Oregon, Minnesota, Mississippi, Missouri, and South Carolina.
“They took the time to really teach me a lot on the initial phone call, about what is actually damage and what is not. I like that she told me the truth rather than use a scare tactic. After she won my trust, I wanted the most expensive program, but she gave me the middle tier because of my “level of damage,” as she put it. Their Remodel program would act like their top program, “Clean Slate.” I don’t normally review anything, but her integrity earned this one.”— Myrtis, a Consumer Affairs reviewer
Based on this review, it’s nice to hear the company didn’t try to upsell unnecessary services to the customer.
“Credit Saint helped me out immensely when I was in a bind. I needed my credit repaired very quickly to be able to refinance my house. The case worker assigned to me was very knowledgeable and helpful through the whole process. Well worth the money!” — Dean, a BestCompany reviewer
While anyone can file their own disputes for free, if you’re in a hurry, as this reviewer was, it can be valuable to have the process completed quickly by an expert.
“I stayed for five months, paying and believing that they would help me rebuild my credit. But simply every month before the payments came with updates without changes in my credit. I asked for my money back as they say they guarantee on the site and they told me that it would not be possible without checking the report. They had five months to verify that they did nothing to help repair my credit. I will not recommend this company to anyone.” — ribeiroservices, a ConsumerAdvocate reviewer
No two credit reports are the same, so results will most likely vary between customers. You shouldn’t have any problems getting a refund if your situation falls within the guidelines of the 90-day money-back guarantee. You can report any wrongdoings to the Better Business Bureau.
“(The) company gathered all my info, including my SS#, then told me they couldn’t help me because I was in Louisiana.” — James W., BBB Reviewer
If you’re not quite sold on Credit Saint’s services, there are lots of players in the space, as we’ll dive into below.
Alternatives to Credit Saint
Credit Saint isn’t the only credit repair company around. But after more than a decade of cultivating a successful reputation and track record of removing false negatives, there’s a reason why the company often ranks among the best credit repair services on the market.
If you want more options, here are our top choices for alternatives to Credit Saint.
- Since 2004, Lexington Law Firm clients saw over 81 million items removed from their credit reports
- Get started today with a free online credit report consultation
- Cancel anytime
- See official site, terms, and details.
| Better Business Bureau | In Business Since | Monthly Cost | Reputation Score |
|---|---|---|---|
| See BBB Listing | 2004 | $99.95 | 8/10 |
- Best-in-class support
- In business since 1989
- Rapid 35-day dispute cycle, tailored to your situation
- 90-day 100% money-back guarantee
- Low $79 cost to get started, cancel or pause membership anytime
- See official site, terms, and details.
| Better Business Bureau | In Business Since | Monthly Cost | Reputation Score |
|---|---|---|---|
| A+ | 1989 | $79 | 9.5/10 |
- Free online consultation
- CreditRepair.com members saw over 8.6 million removals on their credit reports since 2012
- Free access to your credit report summary
- Three-step plan for checking, challenging and changing your credit report
- Online tools to help clients track results
- See official site, terms, and details.
| Better Business Bureau | In Business Since | Monthly Cost | Reputation Score |
|---|---|---|---|
| See BBB Listing | 2012 | $69.95+ | 8/10 |
While every credit repair company will offer different services and promises of an improved credit score, very few will back their claims with a money-back guarantee. Before you choose a credit repair company, ask a few questions — including what will happen if the company can’t deliver on its promises.
So, Is Credit Saint Worth It?
Credit repair isn’t for everyone. Some valid items on your credit report must stay there until they age out. Depending on the type of item, that could take a few months or as long as 10 years.
No credit repair service can remove a valid item — no matter what it promises you.
But, if you have items that shouldn’t be on your report, you may want to hire an experienced team that can dispute those items and get them removed as quickly as possible. Credit Saint is but one option in a sea of reputable credit repair services that may be able to help.
And, since you have a 90-day money-back guarantee in case your score doesn’t change, there isn’t much you’re risking if you give the company a shot. At worst, you’ll learn a lot from the process and discover new ways to keep your credit score in tip-top shape. So, consider letting Credit Saint lead you to a better credit score and teach you ways to maintain it — or you can choose one of our top-rated credit repair companies.
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