Worst credit repair company to date
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 get a phone call I have got neither worst company stay away

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.
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 get a phone call I have got neither worst company stay away
Complete fraud and all positive reviews are fake. Your bank WILL give your money back as their entire website is a scam. Blocked them from all payment methods and got my money back :)
Update: Credit Saints is a Lying Company. They responded to my post on today 7/30/2025 with lies. I sent them a letter for demand of money on 7/29/2025. On today senior Manager Alexander reached out to me offering to refund me 5 payments and I refused. I paid this company at total of 1199.98 to help with my credit and they did nothing but collect money. This company is a scam and fraud. Everyone that they did this to should report them to New Jersey BBB just like I did. They have to be stopped. I am currently in contact with a lawyer because of the scam. Do not trust this company. Also, I contacted them in July, August, September of 2024 because I was not receiving any feedback an every time I called the agent told me I had to wait until the cycle ran which was 30 to 45 days. I told them I was going to just stop the process in August, and the agent told me I was not giving the cycle time to complete. They never reached out to me about anything I always called them, and it was always the same excuse. I told them in April 2025 to stop debiting my account and send me all the report they had and they sent 7 report out of 10 months. No deletion of any my credit score even dropped. Alexander and Christopher are frauds and their employees are scammers. Please report these pieces of s**ts to the BBB, Attorney General, FTC and sue their asses. This was the worst experience ever. They took my money and did not render the service. I have reported them to BBB, Attorney General, FTC and is currently speaking with an attorney for legal representation. Do not use this company unless you want to give away money. If you have been scammed report them to BBB, Attorney General, FTC and get a lawyer also. They need to be shut down
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Total scam. I gave them 1 year and they didn’t do a single thing. Waste of $1200 DO NOT RECOMMEND!!!
This is the worst experience I’ve ever had not only did they get my credit scores down they gave out my personal information, phone number, etc. zero communication I canceled after 90 days and never even got my money back over $500 that they promised I would get back don’t believe in what they say the worst company ever
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!
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!
Credit Saint is a complete waste of time and total scam. I paid well over $1,000 for my spouse and myself as part of their "Clean Slate" program; and it was a waste of time, money, and effort. They never actually do anything & when you confront them about the issues; they run you around in circles telling you they will do x, y, z; then do nothing they actually say they are going to do. I'm still waiting for a return call & copies of my updated credit reports; which I never received at any point. This is a very dishonest company with deceptive practices and generally unprofessional conduct. I highly recommend you do more research before hiring these people and avoid wasting your time. The last time I posted a negative review; the company reached out and asked me to remove my review in exchange for assistance and even then didn't do a damn thing to help! Your money could be better spent hiring a law firm or finding an attorney who actually has an emphasis in this area of expertise. Avoid Credit Saint at all costs.
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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