Credit Saint, LLC is a credit repair company that offers credit monitoring with all levels of service and a top-of-the-line, 90-day money-back guarantee.
- Pros and Cons
- Key Takeaways
90-day money-back guarantee
Monthly fees are average for the industry ($79.99 to $119.99 per month)
First work fee waived for additional household members
Ability to sign up for services online
Online chat not available
Hours of operation not posted
First work fee of $195 for the company’s highest-cost plan is higher than competitors
Credit monitoring not included with lowest plan
- Credit Saint offers free credit consultations by phone and a simple online application.
- The company’s 90-day money-back guarantee is at the top of the competition.
- Credit Saint is accredited by the Better Business Bureau and appears to be attentive to customer concerns.
- Trustpilot customer reviews result in a great 3.3-star rating for Credit Saint.
- Its pricing is average, even with the high first work fee for its top package.
- Year Founded 2004
- Average Cost $79.99 to $119.99 per month
- Types of Credit Repair Services Available Challenges related to late payments, identity theft, charge-offs, collections, bankruptcies, repossessions, and public records
- Monthly Monitoring Options Experian credit score tracking comes standard with all packages
- Official Website https://www.creditsaint.com/
- Customer Support 1-877-637-2673
Credit Saint, LLC offers three credit repair packages, with a monthly cost of $79.99 for its Credit Polish package, $99.99 for its Credit Remodel package, and $119.99 for its Clean Slate package. Its one-time first work fees range from $99 for the Credit Policy and Credit Repair packages to $195 for the Clean Slate package. While the first work fee for the Clean Slate package is high, overall, the costs are average for the industry.
The company has a solid reputation and offers a good value, particularly if you want credit monitoring with even the lowest-cost plan. Plus, Credit Saint offers a 90-day money-back guarantee that we consider the top-of-the-line when compared to the competition. Furthermore, Credit Saint strives to teach you how to build a positive credit history, which will better enable you to maintain good credit without assistance in the future. We evaluated all of this and more in our Credit Saint review.
Company Overview: Easy Online Application and Good Time in Business
Credit Saint is a privately owned for-profit credit repair company founded in 2004 and headquartered in Oakland, New Jersey. The company offers free credit consultations by phone and a simple online application. Credit Saint’s time in business compares nicely to the competition. Plus, an online application isn’t provided by many of the other companies we reviewed.
Unlike other credit repair companies, Credit Saint lets you apply quickly online.
Available Services: Top-of-the-Line Money-Back Guarantee
Credit Saint offers three packages with increasing levels of credit repair services. All three packages include a 90-day money-back guarantee and can be canceled at any time. The Clean Slate and Credit Remodel plans come with the ability to monitor your credit score at all levels, which is better than many of the other credit repair companies we reviewed, as is the 90-day guarantee. The main drawback is two of the Credit Saint packages restrict the items that can be worked for correction or removal each cycle, which isn’t the case with some of the competition.
Credit Saint’s 90-day money-back guarantee is top-of-the-line for the industry. The company doesn’t guarantee that your credit will be fully repaired during the 90-day period. Instead, Credit Saint guarantees that if you don’t see some of the negative items that are questionable removed within 90 days, you can get your money back (subject to various terms and conditions). This guarantee makes Credit Saint unique.
Credit Saint also stands out from the competition as all packages come with an Experian score tracker. A customer service representative explained that your Experian credit report will be regularly refreshed and available for monitoring via your Credit Saint account. Plus, every 45 days credit reports from all three credit bureaus will be sent to your home. This credit monitoring is excellent compared to the competition.
The cheapest Credit Saint plan is called Credit Polish. You’ll pay a one-time (first work) fee of $99 and a monthly fee of $79.99. As with the other packages, you’ll have access to Credit Saint’s online portal, telephone support, and a 90-day money-back guarantee. Unfortunately, it doesn't come with Experian monitoring, but it includes work related to correcting or removing up to five inaccurate items from your credit reports every 45-day cycle. The specific challenge items include late payments, identity theft, charge-offs, and collections. This package is best for people with relatively mild credit issues.
Credit Saint’s mid-level package, Credit Remodel, is for consumers facing more significant credit issues. This package comes with a one-time first work fee of $99 (same as the lower-level package) and a monthly fee of $99.99. You’ll get the same services as those provided with the Credit Polish package and escalated information requests. Plus, up to 10 inaccurate reported items can be corrected or removed every 45 days.
According to a Credit Saint customer service agent, the escalated information request service allows the company to directly contact your lenders for issues that can’t be resolved by sending letters to credit bureaus. This makes sense as bankruptcies and repossessions are added to the list of items that can be challenged, which could require lender interaction. That said, the Credit Remodel package is a better option for people with more significant credit issues.
If you have severe credit issues or need quicker repair, the Credit Saint’s Clean Slate package might be an even better option. Although this package comes with a $195 one-time first work fee and a monthly fee of $119.99, it includes everything you get with the other packages plus public record challenges. Moreso, there’s no limit on how many items can be corrected or removed each cycle. This means if you have lots of issues to repair, it could potentially happen more quickly than with the other plans.
The Clean Slate package is much more expensive, but may be able to clean up your credit a lot faster.
Optional Add-ons: Upgrade Your Plan to Get More
The services you get depend on the Credit Saint package you choose. Credit Saint doesn’t offer any other optional add-ons beyond those you get with an upgraded plan.
Customer Service: Excellent Online Sign-Up
While Credit Saint doesn’t post its hours of operation, you can contact the company by phone at 1-877-637-2673 or submit a request online for a free credit repair consultation. The latter is nice since Credit Saint doesn’t offer online chat like some of the competition. When we contacted customer service, the call was answered quickly, and the representative seemed friendly and knowledgeable. Credit Saint also allows consumers to sign up online, which is a useful feature not available at some of its competitors.
You’ll be assigned a team of professional credit advisors, who will send you monthly updates and an analysis of your credit profile. The purpose is not only to communicate your progress but also to teach you how to build a positive credit history. When considering credit repair companies, it’s essential to make sure you’re provided with this type of support and some financial education.
Reputation: Attentive to Customer Concerns
Credit Saint is accredited by the Better Business Bureau (BBB) with an excellent A rating. There have been 46 BBB complaints in the past three years (27 were resolved in the past 12 months), mostly related to issues with billing or collections and the company’s services. It appears as if Credit Saint is committed to helping its customers resolve issues, as evidenced by the responses it posted to the BBB complaints.
Customer Satisfaction: Friendly Customer Service Representatives
As a BBB accredited business, Credit Saint's customer reviews top 3 stars on average on the BBB site. Some negative BBB reviews were because customers didn’t see a credit score improvement, with some positive reviews praising the company’s friendly customer service. Credit Saint’s reviews on Trustpilot earned it a 3.2-star rating. Keep in mind, credit repair companies can’t guarantee a credit score improvement. Instead, they should help you resolve your credit problems by providing the agreed-upon services, which is the point of Credit Saint’s 90-day money-back guarantee. Overall, customers seem pretty satisfied with Credit Saint’s services and support.
Cost: Average Pricing and Outstanding Money-Back Guarantee
Although the first work fee charged by Credit Saint for its Clean Slate package is high, its monthly and first work fees are about average overall. Credit Saint’s monthly fees range from $79.99 to $119.99, with its first work fees ranging from $99 to $195. You’ll get a good set of services for the price, especially considering the standard Experian credit score tracker. Many of the credit repair companies we reviewed don’t include this type of credit score tracking. What stands out is Credit Saint’s 90-day money-back guarantee, which is top of the line when compared to the competition.
The costs Credit Saint charges for each package are as follows:
|Plan||First Work Fee (One-Time)||Monthly Fee|
The Competition: Credit Saint vs. Ovation Credit Services
Another credit repair company that’s a close competitor to Credit Saint is Ovation Credit Services. While Credit Saint is privately owned, Ovation is an affiliate of LendingTree, a publicly-traded company. Monthly costs are similar, with plans starting at $79.99 per month for Credit Saint and $79 per month for Ovation. In contrast, the first work fees for Credit Saint are significantly higher, at a range of $99 to $195 compared to a flat rate of $89 for Ovation.
A key factor to consider when comparing Credit Saint to Ovation Credit Services is if you want routine credit monitoring with the lowest cost plan. If so, Credit Saint is the better option, as Experian credit score tracking comes standard. In contrast, if you want your provider to send unlimited custom validation dispute and creditor goodwill letters on your behalf, Ovation is the clear winner. Ovation may also be better if you’re a member of the military or a senior, as you’ll get discounted pricing. When making a decision, figure out what’s most important to you and choose the credit repair company that best meets your criteria.
|Credit Saint||Ovation Credit|
|Monthly Price||$79.99 to $119.99||$79 to $109|
|First Work Fees||$99 to $195||$89|
|Number of Plans||Three||Two|
|BBB Accredited Business||Yes||Yes|
|BBB Customer Reviews||More than 2-star||Nearly 4-star|
Solid Reputation Providing Good Value
Based on our methodology, Credit Saint has a solid reputation and provides good value, especially if it’s important for you to have standard credit monitoring with the lowest cost plan, making it a great option. Plus, its 90-day money-back guarantee is top of the line, and Credit Saint wants to teach you how to build a positive credit history. This is great, because you’ll be better equipped to build and maintain a good credit score on your own and avoid bad credit in the future.