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Credit Saint Review (2019)

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credit saint review

Credit Saint is our #1 recommended credit repair company.  They are unique in that they have a good reputation within the industry, offer a legit 90-day money-back guarantee, and you can make an unlimited number of disputes per 45-day cycle.  

EFFECTIVENESS

Unlimited disputes every 45 days. 

PRICE

Best monthly price reviewed. 

EASE OF USE

Transparent process & free consultation.

SUPPORT

Access to account 24/7. 

    Credit Knocks Overall Star Rating:     

  • A+ Rating With BBB
  • Low Monthly Price
  • 90-Day Guarantee
  • Unlimited Disputes 
  • High Initial Work Fee
  • Not In Every State

SUMMARY: 

Credit Saint experts have a long history of effectively repairing their clients' credit for a fair price. 

It is hard to go wrong choosing Credit Saint due to their excellent reviews on many websites that are backed up with a 90-day money-back guarantee.

Free consultation. Industry-best pricing. 90-day money-back guarantee.


Who Is Credit Saint?

The two most commonly googled questions are...

"Who is Credit Saint?" and "What does Credit Saint do?" 

Credit Saint was founded in 2004 by Aileen Perez, Esq. in Saddle Brook, New Jersey. 

Their team of credit experts provide credit repair services and specialize in removing late payments, charge-offs, collections, inquiries, bankruptcies, repossessions, and judgments. 

Thousands of customers have found success using their easy to use credit repair platform with the help of their industry-leading customer service. 

Credit Saint Review Credit Repair

What Makes Them Different?

There are dozens of credit repair companies.

But Credit Saints towers over their competition easily as our #1 most recommended company.

Here's why:

MOST repair companies are shady.  They try to:

  • upsell you
  • charge you for services you didn't agree to
  • drag you along for months so they can keep charging you
  • NO money-back guarantee

Credit Saints is unique because their processes and billing are more transparent than many other credit repair companies in the industry. 

Their billing and services are very straight forward with no confusing or unanticipated upselling. 

They are so sure of their services that if you are unhappy with the results, they provide a 90-day money-back guarantee.

They also offer an unlimited number of disputes every 45-day cycle when the standard in the industry is to limit that number to 2-6 disputes per month.

Put it all together, and there's no wonder why year after year, Credit Saints consistently wins the "top ranked" credit repair company by the following:

Credit Saint Review Credit Repair

Lowest monthly price in the industry.  90-day money-back guarantee.

What Does Credit Saint Cover?

Each Credit Saint package comes with different options, with the first option being the basic package, then the deluxe package, and finally the luxury package. 

Below we discuss each plan in detail:

Credit Polish Package

The Credit Polish Package is going to be the most basic of the three packages and will come with the below benefits: 

  • Access To Credit Saint Online
  • 90 Day Money Back Warranty
  • Toll Free Support
  • Cancel Anytime
  • Dispute Late Payments
  • Dispute Identity Theft
  • Dispute Charge-Offs
  • Dispute Collections

This plan will cover your basic credit restoration needs and is the most affordable out of the three packages.

How much does Credit Saints cost credit polish credit remodel clean slate credit repair restoration

Credit Remodel Package

The Credit Remodel Package is going to have all of the benefits of the Credit Polish Package as well as: 

  • Escalated Information Requests
  • Dispute Bankruptcies
  • Dispute Repossessions

This is going to be the second most affordable option out of the three packages and will include writing "escalated information" request letters.

Escalated information requests include documenting your intent to escalate the claim to governing bodies, such as the Federal Trade Commission, Consumer Financial Protection Bureau, or state's Attorney General.  

Clean Slate

The Clean Slate Package will come with all of the benefits of the Credit Polish and Credit Remodel Packages.

The Clean Slate Package is the most expensive package and includes:

  • Dispute Avalanche
  • Dispute Judgments

This luxury plan includes Dispute Avalanche which will challenge all negative items in your credit reports at one time.

If you have judgments on your credit record, then you will want to choose this package as it is the only one that will take on and dispute judgments. 

Credit Saint Review Credit Repair Credit Restoration

Clean Slate is going to give you the best value of all the packages and the best option if you are serious about repairing your credit.

Best monthly price in the industry.  90-day money-back guarantee.

What Does Credit Saint NOT Cover?

They cannot guarantee you a specific outcome with your credit but they will give you a 90-day money-back guarantee. 

They legally can't guarantee what will happen to your credit due to laws within the Credit Repair Organizations Act (CROA). 

They also probably won't be able to help with: 

Student Loan Removal

Unless you are having a financial burden or can find a loan forgiveness program, the possibility of getting a student loan removed from your credit is going to be nearly impossible.

There are things you can do to lessen the blow of poor student loan payment history and Credit Saint can help with that.

Because of the guidelines laid out by the CROA, no credit repair company can guarantee the fixing of bad credit.

Unlimited Disputes With Credit Saint

When it comes to repairing your credit you are going to be dealing with a ton of disputes. 

In simple terms, a dispute is basically you telling the credit reporting agencies that something isn't correct on your credit report.

This credit restoration company will dispute an unlimited number of inaccurate, obsolete, and unverifiable items from your credit report every 45-day cycle.

Since they are able to dispute more items much faster, it gives them the ability to produce faster results which costs you less money because you can cancel faster. 

How Much Does Credit Saint Cost?

It is fairly common in the credit repair industry to charge an upfront first work fee. 

How much is the Credit Saint first work fee?

They are a bit higher than most but their monthly cost is a bit lower, so in the long run you probably save a bit of money. 

Below is a detailed breakdown of the pricing for each plan and their initial startup fee:​​

Package

First Work Fee

Monthly Cost

Credit Polish

$99.00

$79.99

Credit Remodel

$99.00

$99.99

Clean Slate

$195.00

$119.99

Best monthly price in the industry.  90-day money-back guarantee.

Credit Saint Reviews

Negative reviews are commonplace in the credit repair industry, but Credit Saint Reviews are overall extremely positive. 

Not all negative records can be successfully removed no matter which credit repair company that you hire. 

Some people blame the credit repair company for not being able to remove all of the credit mistakes they have made and voice their displeasure in negative reviews. 

“The awesome TEAM at Credit Saint helped me fix my credit score. My credit score increased 53 points after 5 months with these guys. Super big thank you!!!”

Mandi G.

Phoenix, Arizona

Overall, the Credit Saint complaints that are negative are of this variety, but the majority of the reviews are incredibly positive. 

Common themes found in Credit Saint Reviews include past customers raving about the success they had and great customer service.

Still not convinced? 

We gathered other companies reviews of Credit Saint, LLC and found that they have a very high average review rating of 4.5. 

Trusted Credit Saint Reviews

Customer Average Rating

Credit Knocks Reviews Avg. Rating

4.8

Yelp Reviews Avg. Rating

5.0

Google Reviews Avg. Rating

4.1

Better Business Bureau Avg. Rating

3.5

Consumer Affairs Reviews Avg. Rating

4.6

Best Company Reviews Avg. Rating

4.9

CUSTOMER REVIEWS AVG. RATING

4.5

Better Business Bureau Rating (BBB)

The Better Business Bureau, more commonly referred to simply as the BBB, is an ethical marketplace where buyers can review sellers ratings and trust them. 

Credit Saint BBB rating is an A+ due to their length of time in business, pricing and policy transparency, and proper handling of BBB complaints.  

Credit Saint Reviews BBB have an average customer rating of 3.5 which in the credit repair industry is pretty high for this website. 

Credit Saint Phone Number & Address

Credit Saint LLC’s headquarters is located in Saddle Brook, New Jersey. 

You can find them in Park 80 West at 250 Pehle Ave #200, Saddle Brook, NJ 07663.

They can be reached 24 hours a day by dialing the toll-free Credit Saint Phone Number 877-637-2673.

Who Is Credit Saint For? 

Individuals or Couples with bad credit

Credit restoration is mainly for people who have bad credit, if you need to get better credit so that you can get that new car or move into an apartment or home, they can help.

With better credit you can also get better employment opportunities as people do review your credit for certain jobs.

Credit repair can also help a young couple looking to move to a new house but cannot afford or accept the terms of a mortgage because of pricing reasons due to a low credit score.

Mortgage lenders determine the terms of the loan based on your credit score and report. The higher the score, the better the terms and lower the cost of the loan.

credit saint review CREDIT REPAIR CREDIT RESTORATION

The Credit Saint 90-Day Money-Back Guarantee

You have to love a company that stands behind its work with a 90-day money-back guarantee. 

If you do not see any negative items deleted from your credit file within 90 days, you may be entitled to a full refund. 

According to their site, to be eligible you must meet and comply with the following terms: 

  • Eligibility for a refund does not start until day 90. You must be an active participant in the program for 90 days. Cancellation or failure to pay during the initial 90 days of the program is a void of this guarantee.
  • That you do not create or cause any new derogatory trade lines to be added to your credit report after your participation in the applicable program begins;
  • You make all payments due and owing per this agreement in a timely manner.
  • You mail, fax or email all correspondences relating in any way to your credit report within seven (“7”) days of receiving said correspondence.
  • You mail, fax or email proof of your identity such as a copy of driver’s license and copy of social security card within five (“5”) days of the effective date of this agreement.
  • You agree to give thirty (“30”) days from the date you have requested a refund to allow adequate time to review your credit bureaus and audit your account to verify that no negative items have been removed from your account and to ascertain the reason for this occurring.
  • Refunds limited to payments made for 90 days of service only. (ex. If client is in service for 150 days, with no change made to their history, they can request a refund, but that refund will be limited to 90 days of service).
credit saint 90 day money back guarantee refund policy

What To Expect After You Sign Up

If you decide to sign up after your free credit evaluation, you will be paired with a personal advisory team. 

Your personal advisory team will develop a personalized credit repair plan based entirely on your unique circumstances. 

A few days later they will begin to dispute negative items in your credit file. 

Approximately 45 days after sign up, you will start to receive copies of your credit reports from the three major credit bureaus. 

These credit reports will contain the results of the first round of negative record challenges. 

Upload the reports to your personal online account page and your advisory team will update your progress report. 

Helpful Tip

You should upload all of your documents, the sooner they receive the information the better results you will have overall.

Best monthly price in the industry.  90-day money-back guarantee.

How To Cancel Credit Saint

The fastest way to cancel your membership is to contact them by phone at:  (877) 637-2673 between the hours of 9 a.m. – 10 p.m. (EST) M-Sat.

They allow customers to cancel for a full refund so long as they do so within three business days of your sign up date. 

Once past the three day window, cancellations will be processed immediately, however, they will not pro-rate your monthly service fee which will continue to give you access to your account until the end of the billing cycle. 

Credit Saint Availability

There are some places where Credit Saint LLC does not provide credit restoration and those states are: 

  • Louisiana
  • Georgia
  • Kansas
  • Ohio
  • Mississippi
  • Minnesota
  • Oregon
  • South Carolina
  • Missouri

Best Alternative To Credit Saint LLC

While you might be expecting to see the name of some competitors, the truth is that doing the work yourself is the best alternative.

We have created a step-by-step guide you can use to boost your credit score anywhere from 50 to 100 points in 30 Days.

You can also check out our Credit Building Weapons where we show you the best free and paid ways to build your credit.

Last but not least you can join our 90 Day Credit Sprint Challenge which is also free to join and participate in. 

Did you know?


48% of credit repair customers saw a 100 point or more credit score increase after 6 months. 

U.S. Credit Repair Survey (Oct '19) 

The best thing these different approaches is that it won't cost you a monthly fee or a sign up fee to start the process.

You might have to spend money on obtaining a secured card or a credit builder loan; however, you don't pay anything directly to Credit Knocks.

An alternative to Credit Saint is The Credit Pros, while they are not rated as well they do offer comprehensive restoration services with a history of positive results. 

Two credit repair companies that we'd suggest you steer clear of are Lexington Law and CreditRepair.com

These two companies were recently involved in a lawsuit by the government agency Consumers Financial Protection Bureau (CFPB) for using deceptive marketing practices. 

You can keep up to date on the latest news on the complaints filed against Lexington Law and CreditRepair.com by clicking here. 


Free consultation. Industry-best pricing. 90-day money-back guarantee.

Taking Action On Your Credit

Hopefully, you found the Credit Saint Review ​​​​we wrote to be helpful because starting your credit journey can be complicated and confusing.

There is no better time than now to get things started and the sooner you get your credit in a better position the better off you can obtain the things that have been eluding you. 

Start establishing or rebuilding your credit today with the help of Credit Saint, LLC.

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

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