Credit Saint Review of 2024

Credit Saint is a well-regarded credit repair company known for its comprehensive services and customer-centric approach. Established in 2004, Credit Saint has built a strong reputation for helping individuals improve their credit scores through personalized credit repair strategies. This review will explore the various aspects of Credit Saint, including its services, pricing, customer experience, and overall effectiveness.

Company Background

Credit Saint has been in the credit repair industry for over 15 years, providing tailored solutions to clients with various credit issues. The company is headquartered in New Jersey and has earned an A+ rating from the Better Business Bureau (BBB). Credit Saint’s mission is to help individuals regain control of their credit and financial health through a combination of credit education, dispute resolution, and personalized credit repair plans.

Services Offered

Credit Saint offers three primary service plans designed to cater to different levels of credit repair needs: Credit Polish, Credit Remodel, and Clean Slate. Each plan provides a varying degree of service intensity, allowing clients to choose the one that best fits their situation.

Credit Polish

This entry-level plan is designed for individuals with minor credit issues. It includes:

  • Dispute Services: Disputes for up to five items per billing cycle.
  • Inquiry Removal: Addresses any inaccurate inquiries on your credit report.
  • Credit Score Analysis: Detailed analysis of your current credit score and recommendations for improvement.

Credit Remodel

A mid-tier plan for those with moderate credit issues. It includes everything in the Credit Polish plan, plus:

  • Additional Disputes: Disputes for up to ten items per billing cycle.
  • Experian Monitoring: Monthly monitoring of your Experian credit report.
  • Escalated Information Requests: More aggressive tactics to address inaccuracies on your credit report.

Clean Slate

The most comprehensive plan for those with significant credit issues. It includes everything in the Credit Remodel plan, plus:

  • Unlimited Disputes: No cap on the number of items disputed per billing cycle.
  • Priority Service: Faster processing and priority handling of your case.
  • Credit Rebuilding Assistance: Personalized guidance on how to rebuild your credit effectively.


Credit Saint’s pricing structure varies based on the plan selected:

  • Credit Polish: $99 first work fee and $79.99 per month.
  • Credit Remodel: $99 first work fee and $99.99 per month.
  • Clean Slate: $195 first work fee and $119.99 per month.

The first work fee is a one-time charge to begin the credit repair process, covering the initial setup and first round of disputes. Monthly fees cover ongoing dispute efforts, credit score tracking, and customer support.

Customer Experience

Credit Saint is highly rated for its customer service and transparency. The company provides a dedicated credit advisor for each client, offering personalized support throughout the credit repair process. Clients can track their progress through an online dashboard, which provides real-time updates on disputes and credit score changes.

Positive Feedback

Many customers praise Credit Saint for its effective dispute resolution and the significant improvements in their credit scores. The company’s transparency, regular progress updates, and dedicated customer support are frequently highlighted as major positives.

Areas for Improvement

Some clients have noted that the credit repair process can be slow, particularly for those with extensive credit issues. Additionally, the higher cost of the Clean Slate plan may be a deterrent for some potential clients.

Performance and Reliability

Credit Saint’s performance and reliability are reflected in its strong customer reviews and BBB accreditation. The company’s transparent approach and commitment to client education set it apart from many competitors. Credit Saint’s track record of successfully helping clients remove inaccuracies and improve their credit scores is a testament to its effectiveness.

Success Stories

Many clients have shared success stories about their experiences with Credit Saint, noting significant improvements in their credit scores and overall financial health. These testimonials highlight the company’s ability to deliver on its promises and provide valuable support to those in need of credit repair.

Common Credit Issues Addressed

Credit Saint tackles a variety of credit issues, including inaccurate late payments, collections, charge-offs, and bankruptcies. By addressing these issues, the company helps clients achieve a cleaner credit report and improved credit scores. Their systematic approach ensures that each client’s unique situation is thoroughly evaluated and addressed.

Dispute Process

The dispute process involves identifying inaccuracies on a client’s credit report and challenging them with the credit bureaus. Credit Saint’s experienced team prepares and submits dispute letters on behalf of the client, working to remove or correct erroneous information. This process is repeated as necessary until the client’s credit report is accurate and reflects their true creditworthiness.

Educational Resources

Credit Saint places a strong emphasis on educating its clients about credit and financial management. The company offers a variety of resources, including articles, guides, and personalized advice, to help clients understand how to maintain good credit habits and avoid future credit issues.

Credit Rebuilding Tips

As part of their service, Credit Saint provides clients with actionable tips for rebuilding their credit. These tips include strategies for paying down debt, managing credit utilization, and making timely payments. By following these guidelines, clients can continue to improve their credit scores even after the credit repair process is complete.

Pros and Cons


  • Comprehensive service plans catering to different needs.
  • High success rate in dispute resolution.
  • Dedicated credit advisors and excellent customer support.
  • Transparent pricing and regular progress updates.
  • Strong emphasis on client education and credit management.


  • Higher cost for the most comprehensive plan.
  • The credit repair process can be slow for complex cases.

Overall Score

Overall Score: 9.0/10

Credit Saint offers a robust and transparent credit repair service that caters to individuals with varying degrees of credit issues. Its comprehensive service plans, dedicated customer support, and effective dispute resolution make it a strong contender in the credit repair industry. While the cost of the Clean Slate plan may be high for some, the value provided by Credit Saint’s services justifies the investment for many clients looking to improve their credit health.

Credit Saint’s personalized approach and commitment to educating clients on maintaining good credit habits ensure that they not only repair their credit but also build a solid foundation for future financial health. If you’re seeking a reliable and effective credit repair service, Credit Saint is certainly worth considering. Staff
Written by Staff

The editorial team is a dedicated group of professionals committed to providing accurate and insightful reviews to help consumers make informed decisions. Our team combines extensive research, expert analysis, and user feedback to offer comprehensive comparisons across a variety of products and services. With backgrounds in finance, technology, and consumer advocacy, we aim to simplify the decision-making process by delivering clear and unbiased information. Our mission is to empower consumers with the knowledge they need to choose the best options available in the market.