Credit Saint is a financial services company that specializes in credit repair solutions. The company offers a range of services aimed at helping individuals improve their credit scores by addressing inaccuracies and negative items on their credit reports. Credit Saint provides personalized plans, expert guidance, and ongoing support to assist customers in navigating the complexities of credit management. Targeting consumers who are looking to enhance their credit profiles, Credit Saint serves individuals seeking to qualify for loans, mortgages, or other financial products. By leveraging their expertise in credit repair, the company aims to empower clients to achieve better financial opportunities. With a focus on transparency and education, Credit Saint helps customers understand the factors impacting their credit and provides actionable strategies for improvement.
Credit Saint receives a mixed response from customers, with a notable number of positive experiences overshadowed by significant complaints. Many reviewers appreciate the helpful and professional staff, highlighting their kindness and transparency during the credit repair process.
Positive sentiments often mention the effectiveness of representatives like Christopher and Keysha, who provide empathetic support and clear guidance. However, a substantial portion of reviews expresses frustration, with claims of the company being a scam and failing to deliver on promises. Customers report issues with communication, such as not receiving account setup emails or calls, leading to feelings of being misled. Overall, while some find value in the service, the negative experiences raise serious concerns about reliability.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.0 | 60 | 100% | -1.4 | ● Low |
Monthly average rating from reviews written by people · latest review Aug 2025.
| Month | Average | Reviews |
|---|---|---|
| May 25 | 4.7 | 31 |
| Jun 25 | 2.4 | 7 |
| Jul 25 | 3.8 | 18 |
| Aug 25 | 2.5 | 4 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Representatives were helpful in setting me up for success”
“I signed up and paid and the guy said I would receive a email to set up my account to upload documents and I would ge...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Loans & Mortgages.
| Company | Overall | Legit | Service | Value | Trend | Reviews |
|---|---|---|---|---|---|---|
 | 4.0 out of 5 (good) | 100 out of 100 | 4.3 out of 5 (good) | 2.2 out of 5 (poor) | — | 60 |
| 4.3 out of 5 (good) | 100 out of 100 | 4.2 out of 5 (good) | 1.6 out of 5 (poor) | +39% | 1,000 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | 3.5 out of 5 (good) | — | 1,000 | |
| 4.2 out of 5 (good) | 100 out of 100 | 4.0 out of 5 (good) | 1.8 out of 5 (poor) | −19% | 618 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.5 out of 5 (good) | — | — | 27 |
Bottom line: Credit Saint is #5 of 5 on overall rating in this group. On value, Oodle Car Finance scores higher (3.5 vs 2.2).
60 reviews of Credit Saint. Filter by what matters to you.
These people offer to give me a refund only if I delete a review first. This place is so dishonest do not trust these people. They refuse to refund for services they cannot render that they billed for. So now I will leave this review with my experience from my last phone call.
UPDATE: The refund was only processed after I left negative reviews. The first time I was extorted into removing any negative reviews FIRST and THEN they would process the credit right away. I hung up the phone. No one will extort me over my right to free speech. What a waste of my time. This cost me several hours to resolve and several conversations. I think I only got my money back because of how angry I got and how far I went posting my experience on line. Do not trust these people. Do not trust this place! This is a SCAM! I was promised several services when I started the account. From the very first day they could not pull my 3 credit report and I had to upload the one that I got from Experians paid service. I was instructed that I could cancel that membership because mine would include all of that every 30 days along with a Score Analysis and all sorts of other features related to the reports. 3 months in they are getting ready to charge me again and they acknowledge that they have not been able to pull up my report with their system not 1 time, not 1 month. But if I want the 90 day refund I have to pay them for another month!!! What a scam! I asked nicely I was patient. They refuse to give me my money back! They did not provide over half the services promised. On top of that the letters they sent were rejected. Not the complaint. But they agency replied saying the request sent was not formatted correctly and did not contain the required information to verify my identity and that they were working on my behalf! Three months into this thing!!! I have no reports for 3 months now so I basically just have no responsibility for my credit since trusting these people. Watch out!!! This is a SCAM! If a customer explains these things and you say sorry no, we will not refund you even though we could not provide the services..... what is that? SCAM!
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Chris made it right and helped me out very well thank you for your patience
Our approval process used to take hours, now it takes minutes.
Worked with credit saint a few years ago because of a negative mark on my credit and they took care of it, no problem. So I came back. This time, however, I'm leaving very unhappy and will never use them again, nor recommend them. I'd rather keep a negative mark on my credit. My husband and I called them for help with a "late/missed payment" that brought our credit scores way down. So we made 2 accounts with credit saint to fix it on each of our reports. My husband ended up talking to the lenders and working it out with them. Once we paid off the loan the lenders removed the negative mark. A few days later credit saint calls me and says it's all clear and I'm good to go. (They still haven't called my husband with that news.) 2.5 weeks later I was charged again by credit saint. When I called to ask why I'm still being charged for something they said was finished, they informed me that it was on me to close my account once they told me it was finished (??) I asked for a refund and they said it was for services already rendered (they were monitoring my credit for the last 2.5 weeks), on top of that they tried to sell me more services. I didn't hire them to monitor my credit. I hired them to fix it and I took care of that myself.
I hired credit saint in November 2024 I paid for the top tier monthly . They did absolutely nothing for me in 7 months even the 2 late pays they got removed were put back on . Do not hire them you will waiste months trying to repair your credit & your hard earned money ! They were so bad they 1st gave me 1/2 off my subscription then they gave me free! I told them I don't want free charge me double just give me consistency & any deletions so I can repair my credit . On my part I opened up new credit cards pay them in full every mth , credit lines make double payments & I opened up a 2nd auto loan not because of my score but the auto loan was approved because of my income . Credit saint has got to be the worst credit repair in the industry! Again , do not waiste your hard earned money they will do near nothing for you ! If I could give them a zero I would ! Christopher is all talk & no deletions this is there lane not mine ! All they say is there is no guarantee as there excuse, I did not hire them for guarantees , I hired them progress & I never put a # on it but this is why they are hired & this is why they are paid for DELETIONS . I never expected % deletions just progress & a equal partner to help me while I do my part ! Yelp has them at 2.1 stars ! Worst company I ever worked with very dis honest & they will never honor there money back guarantee ! BUYER BEWARE ! Any good reviews are there employees or family members no way they are a 4.5 stars on trust pilot while Yelp has them at 2.1 stars ? I just COMPLETELY waisted 7 months with them when I should have hired a credible company that prob would have me in the 700's by now but I fell for there phony reviews phony bs . Check Yelp!
I hired credit saint in November 2024 I paid for the top tier monthly . They did absolutely nothing for me in 7 months even the 2 late pays they got removed were put back on . Do not hire them you will waiste months trying to repair your credit & your hard earned money ! They were so bad they 1st gave me 1/2 off my subscription then they gave me free! I told them I don't want free charge me double just give me consistency & any deletions so I can repair my credit . On my part I opened up new credit cards pay them in full every mth , credit lines make double payments & I opened up a 2nd auto loan not because of my score but the auto loan was approved because of my income . Credit saint has got to be the worst credit repair in the industry! Again , do not waiste your hard earned money they will do near nothing for you ! If I could give them a zero I would ! Christopher is all talk & no deletions this is there lane not mine ! All they say is there is no guarantee as there excuse, I did not hire them for guarantees , I hired them progress & I never put a # on it but this is why they are hired & this is why they are paid for DELETIONS . I never expected % deletions just progress & a equal partner to help me while I do my part ! Yelp has them at 2.1 stars ! Worst company I ever worked with very dis honest & they will never honor there money back guarantee ! BUYER BEWARE ! Any good reviews are there employees or family members no way they are a 4.5 stars on trust pilot while Yelp has them at 2.1 stars ? I just COMPLETELY waisted 7 months with them when I should have hired a credible company that prob would have me in the 700's by now but I fell for there phony reviews phony bs . Check Yelp!
UPDATED Review: From Frustrated to Heard — Thank You, Christopher 6/6/2025 After a frustrating experience with Credit Saint — including months of payments, little visible progress, and difficulty getting a response — I finally received a call from Christopher in the Client Care Specialist department, and I must say he completely turned things around. Christopher took the time to truly listen, explain everything clearly, and resolve the issue I had been dealing with. Because of his professionalism, patience, and willingness to help, Credit Saint agreed to refund 3 months of payments, which I truly appreciate. He said the refund could take up to 10 business days, which I understand and am now waiting on. I originally left a 1-star review, but I’m updating it to 4 stars solely because of Christopher’s exceptional customer care. He represented the kind of support and transparency I had been hoping for from the start. Thank you, Christopher — job well done. Deceptive Promises, No Results, and No Accountability — Stay Away We deeply regret ever signing up with Credit Saint. We were charged a $195 initial fee, followed by $140 per month for 3 months, and in return I received almost no visible work or real credit improvement. next payment is like in one week. As i am writing this review. i have been talking to a customer service representative for 30 minutes and he mislead me thinking he can handle the cancelation and refund because the first sentence i said is that is my goal today. he kept going on and on which i call it: "buttering up" before cancelation later to learn HE WAS NOT THE PERSON to handle that. right now i am still on hold for apparently to talk to another person in another department. as i am writing this review i am on hold adding up to almost 40 minutes from my initial call. They promised a money-back guarantee if i am unhappy with work (at least that what we were sold) in 90 days — but when I called to cancel and request a refund, no one followed through. I left messages, asked for callbacks, and got zero accountability. Instead, they kept sweet-talking me to “stay and wait for results,” but nothing changed. This was back in May 19th. It’s also extremely frustrating that they continue charging you monthly but deliver nothing for at least 45 days. By the time you realize you’re getting nowhere, you’ve already paid hundreds of dollars. When we join credit score was 554, 2 months later it was 529 with 1 removal of nothingness. we had to call credit card companies and boost our owe credit to help ourselves. I feel misled, ignored. This company uses slick sales tactics, vague promises, and zero follow-up. I absolutely do not recommend Credit Saint to anyone serious about fixing their credit. You’re better off handling it yourself or finding a company that actually keeps its word.
They were professional and we will see how well they do
I CALLED CREDIT SAINT. AND THEY HAD REALLY GOOD CUSTOMER SERVICE. AND NOW I HOPE THEY WILL FIX MY CREDIT.
Emily was great and very helpful
I signed up and was a little skeptical and indecisive about which plan I wanted . Ovolvo was very nice and explained to me how the program works . He told me everything from beginning to end and didn’t leave out anything . I’m trying to get a mortgage so I needed this
The representative was very helpful and clear on my situation that makes it easier for me to see what I need to do he gave good advice and clear judgment thank you very much.
Oswaldo was very helpful and informative I’m looking forward to working with Credit Saint helping me build up my financial security again.
The best experience ever.
So far, Credit Saint excels in immediately contacting you to discuss their services and walk you through any questions. This company excels in customer service. I signed up for a competitor (Sky Blue) before hand and was severely dissatisfied as they failed where Credit Saints shined. I honestly was about to throw in the towel and give up until Credit Saints helped me regain the confidence in what is offered and their ability to meet my personal credit expectations. Most companies fail by pushing chat boxes and shitty voice mailing services but Credit Saints has longer availability hours to help you through questions. Credit Saints are blessing over the competition! Mervin is the guy to ask for! Awesome customer service!
Mr Roger was the best! He was highly informative and helpful will definitely be referring everyone i know!
Credit Saint is a financial services company that specializes in credit repair solutions. The company offers a range of services aimed at helping individuals improve their credit scores by addressing inaccuracies and negative items on their credit reports. Credit Saint provides personalized plans, expert guidance, and ongoing support to assist customers in navigating the complexities of credit management. Targeting consumers who are looking to enhance their credit profiles, Credit Saint serves individuals seeking to qualify for loans, mortgages, or other financial products. By leveraging their expertise in credit repair, the company aims to empower clients to achieve better financial opportunities. With a focus on transparency and education, Credit Saint helps customers understand the factors impacting their credit and provides actionable strategies for improvement.
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