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Credit Saint Reviews 2022 | Features, Pricing, Pros & Cons

Credit Repair Company Reviews: Updated Jan 28, 2022 by Mitch Durfee

Credit Saint Review

The Most In Depth Review of Credit Saint Credit Repair Company


Credit Saint – Done For you Credit Repair For Individuals That Want To Fix Their Credit

90-Day 100% Money Back Guarantee (The Longest In the Industry)

Our #1 Choice…
Best Credit Repair Companies!

Table of Contents

What Is Credit Saint?

Credit Saint Credit Restoration is an established credit repair company that assists individuals to improve and fix their credit score by making positive payments history over the long term. It assists in removing negative items from your report, which shouldn’t be on your credit report.
This includes insufficient late payments, identity theft charge-offs, and many more. Credit Saint also negotiates for the prompt removal of negative items that affect your credit score.

One interesting thing that you’ll like about this company is its 90-day money-back guarantee and customized packages that every company does not offer.

This is why we’ve handpicked and rated this as one of the best credit repair companies.

So, in this blog post, we’ll give in-depth credit saint reviews for you to make a proper decision whether credit saint credit restoration company is the right choice for you or not for fixing your credit. Let’s get started.

Credit Saint Credit Restoration - Overview

Credit Saint Credit Restoration, established in 2004, is a New Jersey-based credit repair specialist company that has been in operation for more than 15 years. Credit Saint, LLC has the goal of educating people on credit and the best ways to attain and keep a good credit score. The firm is well known for its understanding, caring, and experienced team.

The company has been able to maintain an A rating from the Better Business Bureau (BBB) since it was accredited in 2007. The Credit Review, which rates companies operating in the field of credit has ranked Credit Saint as the best credit repair firm in the years from 2017 to 2020. 

In general, clients see changes to their credit scores within the 45-day period after implementing the credit repair program however you can ask for a refund If you do not see any negative information taken off your credit report in the initial 90 days.

Credit Saint was even ranked as the top credit repair service in 2021 by The Observer.

How Does Credit Saint Work?

While conducting our Credit Saint Review we Discovered

 How Credit Saint Repairs the Credit?

Step 1: free consultation

When you reach out to Credit Saint for a free consultation they will review your credit report, your history and challenges you have that are damaging your credit score. They will help you make a plan to repair your credit score.

Step 2: credit bureaus

The next step, is contacting the credit bureaus to investigate the items hurting and any inaccurate information on your credit score and negotiating to get those items removed from your credit.

Step 3: 45 day cycles

Credit Saint works in 45 day cycles and at the end of each cycle you will receive your 3 credit reports from the 3 credit bureaus. These reports will show you the results of which items are still questionable negative items that need to be removed and the process repeats until these items are removed.

What Are The Issues & Marks Credit Saint Can Help With?

Credit Saint provides some of the most comprehensive credit clean-up services to repair & fix your credit report by eliminating all negative items that shouldn’t be present for a positive credit score.

This includes:

  • Paying late
  • Identity Thefts
  • Bankruptcies
  • Collections
  • Charge offs
  • Judgments
  • Possessions
  • Foreclosure
  • For inquiries
  • Liens

The chances of all queries appearing on a single report are very less. This is the reason Credit Saint has three packages that are designed to meet a variety of demands for credit restoration.

How Much Does Credit Saint Cost?

Credit Saint cost is very simple with three package options.

Choose a Package That Works For You

Credit Polish - $79.99 per month

Aggressiveness: Medium

Credit Remodel – $99.99 per month

Aggressiveness: High

Clean State – $119.99 per month

Aggressiveness: Very High

Credit Saint Login

To login to Credit Saint you will need to go to the Credit Saint Credit Restoration website

Find the login button on the top right hand side. You will then enter your email and password to access your account. 

If you need to contact Credit Saint you can call their customer service phone number. The Credit Saint customer service team is very responsive and will answer any questions. 

Credit Saint Phone Number – 1-877-637-2673

Credit Saint Pro's & Con's


Here are some of the benefits of Credit Saint Credit Repair:

  • ✅ 90-Day Money-Back Guarantee – Credit Saint offers a 90-day money-back guarantee is they aren’t able to get some of the negative items removed from your credit history.
  • ✅ A+ BBB Rating– One of the few credit repair companies that has an A rating on BBB for over a decade.
  • Affordable – Credit Saints monthly packages are very affordable compared to other credit repair companies.
  • Excellent Customer Service – Credit Saints customer service teams has received 5 stars for being friendly, informative and extremely helpful throughout the process


Here are some of the concerns of Credit Saint Credit Repair:

  • ❌ Not In All States– Unfortunately if you live in Georgia, Kansas or South Carolina you won’t be able to use Credit Saint to help you repair your credit.
  • ❌ High Initial Work Fees-Credit Saint charges an initial work fee of $99 to $195 to begin working on your repairing your credit plus your monthly fee.

How Can Credit Saint Get Late Payments Removed?

Credit Saint can help you understand if you have any late payments that can be removed from your credit report if there is inaccurate information.

This credit repair company looks for any inaccurate late payments that were reported and sees if there are any discrepancies between the three credit bureaus such as prices and dates.

Late payments can stay on your credit report for up to seven years and if you close an account or pay the past due amount, the credit bureau doesn’t have to remove the late payment.

These late payments can really hurt your credit score as on-time payment history makes up 35% of your FICO score.

You can remove late payments by writing a goodwill letter explaining why you couldn’t make the payment on time or had a hardship.

Another way to remove a late payment is pay-to-delete which you agree to pay the amount that is past due and the creditor will report it to the credit bureaus to have the late payment removed.

The last way is to dispute any late payments by sending dispute letters to the credit bureaus along with documents that you consented to this hard inquiry. 

Otherwise, the credit bureaus might just send you an automated response that you must dispute this inquiry with the creditor that pulled your credit.

The credit bureaus must provide you with the proof within 30 days otherwise the hard inquiry must be removed from your credit report.

Try Credit Saint’s late payment removal today! It does not erase bad credit overnight but it surely does its best.


Can You Dispute Accurate Late Payments?

You can not ethically dispute anything from your credit report that is 100% accurate, even if it is hurting your credit score, however there is another option you can do to try and remove late payments.

To avoid late payments or missed payments:

  • Always try to pay on-time by setting up automatic payments.
  • Make sure you only spend what you can afford on your credit card.  This way you aren’t carrying so much debt that it causes you to fall deeper into the debt trap.
  • If you have a lot of credit card debt that you are paying interest on, try applying for a no-interest credit card or apply for a consolidation loan to lower your payments.

Goodwill Letter

goodwill letter is a letter stating the reason for the late payment. Use a goodwill letter to explain how this isn’t the norm and won’t happen again, as a result there is a chance that the creditor might be kind enough to remove the late payment from your credit report. However, There is no guarantee that they will remove the item but it is better than waiting 7 years for it to fall off your credit report.

Can Credit Saint Remove Hard Inquiries?

Once Credit Saint reviews your credit report with you and notices any hard inquiries that you don’t remember, aren’t sure what they are, or didn’t authorize, they can help you get those items removed.

hard inquiry will show up on your credit report any time you apply for a loan, a credit card, a mortgage, or a line of credit.

Some credit card companies will do a hard inquiry when you request a credit limit increase.

Hard inquiries won’t impact your credit score too much but if you have too many inquiries in a short period of time that can be a red flag to creditors that you are desperate for money and they might not lend money to you.

Can Credit Saint Fix & Remove Collections?

Yes, Credit Saint can help you remove collections from your credit report. Having collections on your credit report can lower your credit score drastically, because payment history makes up the majority of your entire credit score.

Chances are if you have collections showing up on your credit report you will be denied personal loanshome loansauto loans, and new credit cards. In addition, most collections will stay on your credit report for 7 years.

How Can You Remove Collections From Your Credit Report?

To remove collections from your credit report you can leverage consumer laws such as the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). With these two laws you can hold the credit bureaus and collection agencies accountable for the collections they report.

When you dispute a collection the credit bureau and collection agency they must prove that the collection being disputed is complete and accurate. As a result, if they fail to provide you with this information, they are required by law to remove this item from your credit report. Credit Saint is able to assist with this process in the event that you don’t want to try to do this process on your own.

Can Credit Saint Credit Repair Remove Bankruptcies?

During Our Credit Saint Review we found that Credit Saint can help you remove any bankruptcies that are “past the statute of limitations.”

Bankruptcies will stay on your credit report for 7 to 10 years before they fall off.

If you have filed for bankruptcy and it has been over 7 to 10 years and it is still showing up on your credit report you can use Credit Saint to assist you and generate dispute letters to remove these items from your credit report.

Credit Saint vs Lexington Law

Credit Saint and Lexington Law offer excellent credit repair and restoration services to a variety of clients since the very first time they entered the world in credit repair. Both businesses offer customers three levels of repair of administration, as well as a no-cost credit counseling service and establish online accounts for customers that are easy to access.

Credit Saint operates on a 45-day dispute cycle. They issue a new cycle of credit report disputes every 45 days. However, Lexington Law is quite unaware of the service delivery timeframe of their services.

Credit Saint seems to offer some more clarity on the possibilities for credit repair programs and prices over the Lexington Law. With regards to the additional tools and administration, Lexington Law gives a couple of options in addition to Credit Saint.
Credit Saint costs less than Lexington Law. Credit Saint’s most basic start from $79.99 per month, while Lexington Law’s cheapest service level begins at $89.85 per month.

As mentioned earlier, Lexington Law does offer more extra services in comparison to Credit Saint. In addition to the standard services for credit repairs, Lexington Law provides clients with the possibility of receiving identity protection and personal finance tools. TransUnion alerts cease and desist notices, ReportWatch, and a FICO score tracker.

Lexington Law Credit Repair also gets more reliable reviews than the vast majority of companies in the field of credit repair
One of the major benefits of Credit Saint’s offerings is its money-back guarantee. A lot of customers prefer the security of this guarantee over other companies that do not offer such a guarantee.

How To Cancel Credit Saint?

If you aren’t satisfied with your progress with Credit Saint you can cancel. To cancel your account you can cancel anytime by calling Credit Saint customer service at 1-877-637-2673. 

Your account will remain active until the monthly billing cycle is up. 

Credit Saint Credit Repair Reviews

Before you make the decision and sign up for Credit Saint, we scoured the internet to learn all we could about Credit Saint. Here are some of the top Credit Saint Reviews:

Credit Saint Google Reviews

Credit Saint has a 4.6 rating on Google with over 2,346 reviews. 

Customers have raved about how informative their customer service team is, they don’t waste your time and always contact you at the given time if you have any questions. Some customers even stated that their credit score went from 517 to 710 within 6 weeks.

However, some customers state that they did not receive any detailed updates about their credit report. 

Credit Saint Reviews Yelp

Credit Saint has 3 stars on Yelp with 20 reviews. 

Customers who gave Credit Saint a great rating have stated that they have increased their credit score over 100 points in 5 months, their customer service was extremely helpful with any account issues, and they take to the time to give you detailed answers so you leave the conversation understanding everything. 

The customers who gave Credit Saint a bad rating said that they didn’t see an increase in their credit score fast enough, and they couldn’t get anything removed from their credit. 

Credit Saint Reviews BBB

Credit Saint has 3.4 rating on BBB. They have been accredited with the Better Business Bureau since 2007. 

With 19 complaints in the last 12 months, most customers stated that Credit Saint did not remove enough items from their credit report, and others say after the first 90 days they don’t remove enough items from your credit. 

Credit Saint has responded to all complaints and has tried to work with customers to help increase their credit score. 

The customers who left a good review on BBB state how affordable their services are, customer service members explain the procedures so you can understand, and credit was boosted over 40 points. 

Credit Saint - FAQs

Yes, credit saint is entirely legit because it fixes your credit by removing negative information from your report.
Credit Saint was even ranked as the best credit repair service in 2021 according to Observer.
Credit Saint has countered the issue “Do credit repair companies really work” and has proven that their services actually work.


To sign up for Credit Saint you can call them at 877-637-2673 and wait for a representative to call you. Once you contact them, you will receive a free credit consultation to see what services best fits your needs.

Credit Saint has three credit repair packages starting at $79.99 per month to $119.99 per month:

  1. Credit Polish – $79.99/month
  2. Credit Remodel – $99.99/month
  3. Credit State – 119.99/month

The primary work of the Credit Saint is to work on both the FICO score and other scoring models, like Vantage Score to help you get back on track with lowering debt balances.

Most customers who have left reviews on the BBB website were happy with the results and services Credit Saint offered. In addition, one customer indicated that Credit Saint raised their score by 60 points just by eliminating collections and late payments.

No credit restoration company can erase bad credit overnight.
The company operates on 45-day cycles and offers 90 days of money-back assurance.
That means you could expect at minimum one or possibly all the items you’ve discovered to be defamatory to be taken off your credit report within the period of 90 days or you can receive a complete refund.

Any score between 580 – 669 is considered a “Fair” score. The 637 FICO (r) Score is lower than the average credit score.

Certain lenders view those who have scores that are in the Fair range as having poor credit and will likely deny their credit applications. Such a score can make it difficult to be approved for a good line of credit or loan and may even stop the possibility of leasing an apartment or securing certain positions.

Is Credit Saint The Best Credit Repair Solution?

Credit Saint is one of the best credit repair companies in the market especially if you are someone who is looking to have items disputed from your credit report. The Teams at Credit Saint are very experienced and can assist you through the entire process.

Credit Saint Alternatives

While Credit Saint is one of the best credit repair companies in the market, we wanted to share some insight on some of the other do-it-yourself credit repair software solutions that offer different features that you may be interested in.

Also, you can have a look at our other credit repair company reviews for better clarity & choice.

Here are some of our most referred  credit repair company reviews :

  1. Disputebee Reviews
  2. Credit Repair Cloud Reviews
  3. Lexington Law Reviews
  4. 20 Best Credit Repair Companies

The Credit Repair Blueprint Course isn’t a software, but it is an easy DIY credit education course so you can learn everything there is to no about credit.

You will also have access to free dispute letters so you can remove items that might be negatively impacting your credit score. Furthermore, This course will teach you how to fix your credit score for life!

The Credit Repair Blueprint Course will teach you about credit and how to dispute items. In addition, it will also show you how to use credit to your advantage so you can earn passive income with your credit. In addition it will show you how to apply for the best credit cards, get bonus offers for opening bank account and how to build business credit.

Do you have bad credit, no credit, or want to learn how to become a credit expert and start your own credit repair business?

Signup for the #1 DIY Credit Repair Course

The Credit Repair Course includes:

In conclusion, if you are looking to get started with fixing your credit score immediately or you want to work with a professional team of credit repair experts Credit Saint is a great option for many reasons.

Firstly, Credit Saint teams make it extremely easy to Import your credit report. 

Secondly Credit Saint will generates dispute letters to remove hard inquiries, collections, late payments and more from your credit report 

Finally Credit Saint will monitor and review the status of your disputes every 45 days.

We hope you enjoyed our complete Credit Saint review, as it’s a fantastic credit repair company for personal use.

Credit Saint Review: Final Rating


Credit Saint - Credit Restoration

Whether you have bad credit or fair credit you can use Credit Saint to help you repair your credit. Credit Saint is one of the best credit repair companies that work to remove inaccurate information from your credit report.

Credit Saint also offers a 90-day money-back guarantee if they can’t remove some of your inaccurate information making them one of the few credit repair companies to do so.

So give them a try! 

Worse case you have a Money-Back- Guarantee!

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Mitch Durfee

Mitch Durfee is a Army Combat Veteran, Credit Repair Expert, 3x Best Selling Author & Multifamily Real Estate Investor.
He is a partner in over a dozen companies.

Durfee is based out of West Palm Beach FL & through partnerships has purchased and sold over 1180+ units.

Durfee enjoys spending his free time wake boarding, scuba diving, reading, traveling, and partnering with others to create passive income streams.

About Mitch
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