Credit Repair
Credit Saint Review: Packages, Pricing, Pros and Cons
A source-checked review of Credit Saint’s published packages, service features, conditional 90-day money-back guarantee, and tradeoffs. It covers one provider and does not evaluate other companies.
Advertiser disclosure: we may earn a commission from links on this page.
Key takeaways
- • This page reviews one featured provider, Credit Saint; it does not evaluate other companies.
- • Credit Saint currently publishes three packages with monthly and initial working fees on its official package page.
- • Its 90-day money-back guarantee has participation, payment, documentation, and request-window conditions described in the official guarantee terms.
- • The FTC says accurate, current negative information cannot legally be removed simply because it is unfavorable, and consumers can dispute errors themselves for free in the FTC credit guidance.
How we reviewed this provider
We checked the retained package, price, service, and guarantee facts against Credit Saint's official pages and used current FTC and CFPB guidance for consumer protections. See the full featured-provider review checklist.
Credit Saint
Credit Saint publishes three service packages with monthly and initial working fees. Its official package page lists bureau challenges, score analysis, creditor intervention letters, tracking tools, and a conditional 90-day money-back guarantee.
Provider facts last reviewed August 6, 2026 against the package page and guarantee terms.
Pros
- ✓Publishes monthly and initial working fees for all three packages
- ✓Lists challenges to all three credit bureaus, score analysis, and creditor intervention letters in every package
- ✓Publishes detailed eligibility and request terms for its 90-day money-back guarantee
- ✓Offers three service levels with different included features
Cons
- –Every published package has both a monthly fee and an initial working fee
- –The money-back guarantee requires 90 days of active participation and compliance with additional terms
- –The provider limits when a refund audit may be requested
- –Credit-report changes and score outcomes are not guaranteed
Credit Polish
$79.99/month
$99 initial working fee
Credit Remodel
$109.99/month
$99 initial working fee
Clean Slate
$139.99/month
$195 initial working fee
Free soft-pull check · won't affect your score
How credit repair works
Legitimate credit repair centers on reviewing reports and disputing information believed to be inaccurate or incomplete. The FTC explains that credit bureaus and reporting businesses must correct wrong or incomplete information for free.
The CFPB says a credit-report dispute is generally investigated within 30 days, with up to 45 days in specified circumstances. Those are investigation windows, not promises of a deletion, score change, or provider result.
The FTC warns that a credit-repair company cannot legally remove negative information that is accurate and current or guarantee a particular score increase.
What Credit Saint's guarantee says
Credit Saint says a client who sees no questionable items deleted after 90 days may be eligible for a refund, but its official guarantee terms require active participation, timely payments, identity documentation, no new derogatory tradelines, and a request during the provider's stated window. The provider also says the guarantee does not mean credit will be fixed completely during that period.
Should you pay for help?
The FTC says anything a credit-repair company can legally do, you can do yourself for little or no cost. You can get reports through AnnualCreditReport.com and dispute inaccurate or incomplete information directly.
Paid help is a service choice, not a required path or guaranteed shortcut. Before enrolling, compare the written scope, recurring and initial fees, cancellation terms, and guarantee conditions with the work you are willing to do yourself.
How to avoid credit-repair scams
The FTC's current scam guidance says to avoid companies that use tactics like these:
- ⚠Demands payment before it provides help
- ⚠Guarantees a specific score increase or promises to remove accurate, current information
- ⚠Tells you not to contact the credit bureaus directly
- ⚠Tells you to dispute information you know is accurate or file a false identity-theft report
- ⚠Suggests creating a new credit identity or using a number other than your own on an application
- ⚠Refuses to explain your rights or provide the required written contract
Frequently asked questions
Does this page compare multiple credit-repair companies?
No. This page reviews one featured provider, Credit Saint. It does not evaluate or order companies that are not represented here.
What prices does Credit Saint publish?
As last reviewed August 6, 2026, Credit Saint lists Credit Polish at $79.99 per month plus a $99 initial working fee, Credit Remodel at $109.99 per month plus a $99 initial working fee, and Clean Slate at $139.99 per month plus a $195 initial working fee. Provider pricing can change.
Source: Credit Saint: Packages
How does Credit Saint’s 90-day money-back guarantee work?
Credit Saint says refund eligibility begins after 90 days and depends on active participation, timely payments, identity-document requirements, no new derogatory tradelines, and its stated request window. Read the full provider terms before enrolling.
Can a credit-repair company remove accurate information?
No. The FTC says credit-repair companies cannot legally remove negative information that is accurate and current or guarantee a particular score increase.
Can I dispute credit-report errors myself for free?
Yes. The FTC says both credit bureaus and businesses that supplied inaccurate or incomplete information must correct it for free. You can dispute directly without hiring a credit-repair company.
How long does a credit-report dispute investigation take?
A credit reporting company generally must investigate within 30 days. The CFPB explains that specified circumstances can extend the investigation to 45 days and that results are generally sent within five business days after completion. Those are investigation windows, not promises of a deletion, score change, or professional-repair outcome.
Why trust Score Revival
This review uses Credit Saint's official pages for package and guarantee details and current FTC and CFPB guidance for consumer protections. Our review checklist requires visible sources and meaningful cons. Score Revival may be compensated when you connect with a provider, but it is a matching service, not a credit-repair organization, and does not perform disputes.
Sources
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This page contains advertising. Score Revival may earn a commission when you connect with a provider through links on this page. Compensation may influence which providers we feature, but it does not determine our factual source checks or the pros and cons we publish.