Credit Saint Review
Tiered dispute service (from $79.99/mo) with an unlimited-dispute top tier and a 90-day money-back guarantee.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.
Our verdict
Credit Saint costs $79.99 to $139.99 a month plus a $99 to $195 first-work fee, which suits heavier credit files that can use the unlimited disputes on its top tier. A 90-day money-back guarantee applies if no questionable item is removed, and you can cancel anytime. Some customers report months with few removals, so track what changes each month.
Skip it if you live in South Carolina, or if your file has only a few items to dispute.
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. Our editorial rating is 4 out of 5.
Best 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 fees last checked on September 7, 2026.
How we reviewed it
This is a desk review: we have not opened an account with Credit Saint, LLC. It is built from Credit Saint, LLC's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Credit Repair shortlist. The rubric is the same for every brand.
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Read our full editorial methodology for how we review products.