Credit Saint Review
Tiered dispute service (from $79.99/mo) with an unlimited-dispute top tier and a 90-day money-back guarantee.
About Credit Saint
Tiered dispute service (from $79.99/mo) with an unlimited-dispute top tier and a 90-day money-back guarantee. Credit Saint is offered by Credit Saint, LLC and currently holds an average rating of 4.6 out of 5 across 643 user reviews. It falls into the Credit Repair category and tends to be the strongest fit for heavier credit files that justify the unlimited-dispute tier.
Editorial grade: B+ (composite score 80/100).
Highlights
- Three tiers: Credit Polish $79.99/mo, Credit Remodel $109.99/mo, Clean Slate $139.99/mo
- 90-day money-back guarantee if no questionable item is removed
- Three-bureau challenges with creditor interventions; inquiry targeting on upper tiers
What we like
- Operating since 2004 with a BBB A grade (accredited since 2007)
- Unlimited disputes on the Clean Slate tier
- Cancel anytime with no cancellation fee
Where it falls short
- First-work fees ($99-$195) on top of monthly billing
- Not available in South Carolina
- Some customers report months with few removals
Fees, minimums, and rates
Monthly fee: $79.99-$139.99/mo + $99-$195 first-work fee. Minimum to open: $0. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.
How we reviewed it
Our money-app reviews weight cost (25%), accuracy and reliability (25%), data security (20%), usefulness (20%), and customer support (10%). We install the app on a personal device, link real bank accounts, and track whether it measurably improves behavior over a 30-day window. For this review of Credit Saint, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Credit Repair shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.
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Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.