How we can help
SECURE & WON'T HURT YOUR SCORE
By clicking Get Started you consent to be contacted at the above number or email by Saint Services, LLC and its subsidiaries including Credit Saint, LLC for marketing or promotional offers related to financial wellness options. This request will be dialed and responded to automatically, in some cases with pre-recorded messages for efficiency. Consenting is not a required condition of purchase. By clicking on the button, you are providing “written instructions” opting-in to have Array and its partners send you transactional SMS/Text messages for verification purposes. Such text/SMS messages will be subject to your carrier's cellular rates. If you do not give consent, please call the number at the top of your screen. You understand by clicking on the button, you agree you are providing "written instructions" to Credit Saint LLC, and Acqualify LLC authorizing Credit Saint LLC and Acqualify LLC to obtain your credit profile from any consumer reporting agency which can be used to evaluate your financial history for the purpose of providing you with targeted offers based on your credit profile.
Start your credit journey
Join the 250,000+ who took control of their credit with Credit Saint
Select Your Plan:
RANKED #1 BY THESE FINANCIAL SITES:
Credit Saint takes action to fix unfair or inaccurate negative items harming your credit by sending challenges to your creditors and all three credit bureaus.
Late Payments
Foreclosures
Charge Offs
Collections
Bankruptcies
Judgments
Repossessions
Liens
We've got you covered
We're committed to your financial success and peace of mind. That’s why we offer a 90-day money-back guarantee.*
*Credit service companies cannot promise a result or credit score increase.
We've got you covered
At Credit Saint, we're committed to your financial success and peace of mind. That’s why we offer a 90-day money-back guarantee.*
*Credit service companies cannot promise a result or credit score increase.
Select your plan
Clean Slate
Unlimited Challenges to the 3 Credit Bureaus
$139.99
/mo
First work fee: $195.00
Score Tracker & Analysis
Creditor Intervention Letters
Inquiry Targeting
Personalized Guide to Credit
Rent-to-Own Home Program
Online Chat (9am-7pm EST M-F)
Saint Legal Watch™
Three Bureau Reports & Scores
MOST POPULAR
MOST POPULAR
Report Payments to 3 Bureaus
Credit Remodel
Challenges to the 3 Credit Bureaus
First work fee: $99.00
Score Tracker & Analysis
Inquiry Targeting
Personalized Guide to Credit
Online Chat (9am-7pm EST M-F)
One Bureau Report & Scores
Saint Legal Watch™
Creditor Intervention Letters
/mo
$109.99
Credit Polish
Challenges to the 3 Credit Bureaus
First work fee: $99.00
Score Tracker & Analysis
Online Chat (9am-7pm EST M-F)
Saint Legal Watch™
$79.99
/mo
Creditor Intervention Letters
Try risk-free with our
Select your plan
Clean Slate
$139.99
/mo
First work fee: $195.00
Unlimited challenges to the 3 Credit Bureaus
Score Tracker & Analysis
Creditor Intervention Letters
Inquiry Targeting
Personalized Guide to Credit
Rent-to-Own Home Program
Online Chat (9am-7pm EST M-F)
Report Payments to 3 Bureaus
Three Bureau Reports & Scores
MOST POPULAR
MOST POPULAR
Saint Legal Watch™
Try risk-free with our 90-day money-back guarantee.
Credit Remodel
$109.99
/mo
First work fee: $99.00
Challenges to the 3 Credit Bureaus
Score Tracker & Analysis
Creditor Intervention Letters
Inquiry Targeting
Personalized Guide to Credit
One Bureau Report & Scores
Online Chat (9am-7pm EST M-F)
Saint Legal Watch™
Credit Polish
$79.99
/mo
First work fee: $99.00
Challenges to the 3 Credit Bureaus
Score Tracker & Analysis
Creditor Intervention Letters
Online Chat (9am-7pm EST M-F)
Saint Legal Watch™
Unlimited Challenges to all three Credit Bureaus
$109.99
/mo
First work fee: $195.00 $99.00
Three Bureau Reports & Scores
Legal Protection From Debt Collector Harassment
Score Tracker & Analysis
Creditor Intervention Letters
Personalized Guide to Credit
Inquiry Targeting
Rent-to-Own Home Program
$139.99
save $30/mo
save $30/mo
save $30/mo
save $30/mo
save $30/mo
save $30/mo
save $30/mo
save $96 on your first work fee
Clean Slate
Report Payments to 3 Bureaus
$79.99
/mo
First work fee: $99.00 $??.00
$109.99
save $30/mo
save $30/mo
save $30/mo
save $30/mo
save $30/mo
save $30/mo
save $30/mo
save $?? on your first work fee
Credit Remodel
Report Payments to 3 Bureaus
(Limited) Challenges to all three Credit Bureaus
Three Bureau Reports & Scores
Legal Protection From Debt Collector Harassment
Score Tracker & Analysis
Creditor Intervention Letters
Personalized Guide to Credit
Inquiry Targeting
Rent-to-Own Home Program
Unlimited Challenges to all 3 Credit Bureaus
$109.99
/mo
One-time setup fee: $195.00 $99.00
Legal Protection From Debt Collector Harassment
Three Bureau Reports & Scores
Score Tracker & Analysis
Creditor Intervention Letters
Personalized Guide to Credit
Inquiry Targeting
Rent-to-Own Home Program
save $30/mo
save $30/mo
save $30/mo
save $30/mo and $96 on your setup fee
A trusted leader in the finance industry
We handle the whole process for you
Enroll in minutes – no charge for 6 days, no risk, no obligation. Our experts immediately scan your credit report to identify errors.
Free Credit Scan
Custom Disputes
We apply proven dispute strategies grounded in federal credit laws to build and send tailored disputes based on your specific credit profile.
Progress Tracking
We track every dispute, review bureau responses, and follow up relentlessly, pushing for corrections to keep your credit moving forward.
We handle the whole process for you
Enroll in minutes – no charge for 6 days, no risk, no obligation. Our experts immediately scan your credit report to identify errors.
We apply proven dispute strategies grounded in federal credit laws to build and send tailored disputes based on your specific credit profile.
We track every dispute, review bureau responses, and follow up relentlessly, pushing for corrections to keep your credit moving forward.
Free Credit Scan
Custom Disputes
Progress Tracking
How we can help
We challenge unfair or inaccurate items with creditors and all three credit bureaus to help clean up your credit.
How we can help
We challenge unfair or inaccurate items with creditors and all three credit bureaus to help clean up your credit.
Collections
Bankruptcies
Judgments
Repossessions
Liens
Charge Offs
Foreclosures
Late Payments
Late Payments
Foreclosures
Charge Offs
Collections
Bankruptcies
Judgments
Repossessions
Liens
Trusted by 250,000+ clients since 2007
"Credit Saint has truly improved my credit. My credit went from 663 to 744 in just 3 months!! They really work hard..."
"DEFINITELY WORTH EVERY PENNY! After working with Credit Saint for only a few months, I was approved for a card..."
"Amazing success so far in the removal of many chargeoff and late payments in just 2 months. My score has increase..."
"[...] Don’t be afraid to choose the most aggressive option. It’s quicker and the results will speak for themselves."
Trusted by over 250,000 clients since 2007
"Vicki was very helpful, knowledgeable, and explained everything. I would definitely recommend Credit Saint..."
"DEFINITELY WORTH EVERY PENNY! After working with Credit Saint for only a few months, I was approved for a card that I had..."
"Vicki was very helpful, knowledgeable, and explained everything. I would definitely recommend Credit Saint..."
"Amazing success so far in the removal of many chargeoff and late payments in just 2 months. My score has increased 70 points..."
Get an overview of our service:
Three flexible packages designed to fit your goals and budget. Backed by our 90-day money-back guarantee.
What makes us different from others
We don't hold back – ever. Many companies only challenge a few items at a time. We challenge every eligible item – every cycle for a more aggressive, consistent approach.
What makes us different from others
We don't hold back – ever. Many companies only challenge a few items at a time. We challenge every eligible item – every cycle for a more aggressive, consistent approach.
Thorough reviews
No wasted time
Built for momentum
Every cycle counts
Thorough reviews
Built for momentum
Every cycle counts
No wasted time
For more information visit CreditSaint.com
© 2026 All rights reserved. Credit Saint, LLC
For more information visit CreditSaint.com
© 2026 All rights reserved. Credit Saint, LLC
Over 95% of clients see results in the first 90 days based on paying Credit Saint clients from May 2025 who had one or more items removed.
Over 95% of clients see results in the first 90 days based on paying Credit Saint clients from May 2025 who had one or more items removed.
FAQs
Our plans offer different levels of dispute intensity and bureau visibility. If you’re dealing with multiple collections, charge-offs, late payments, or more complex credit issues, a higher-tier plan such as Clean Slate may help address more items at once. If you only have a few negative items, a lower-tier plan may be enough to get started.
All plans include credit report analysis, score tracking, personalized dispute preparation and submission to all three bureaus, and access to customer support.
Each tier offers a different level of depth:
- Credit Polish covers the basics of credit report analysis and disputes.
- Credit Remodel introduces additional features, including inquiry targeting for eligible hard inquiries, a personalized credit guide, and real-time account syncing for a more up-to-date view of your credit profile.
- Clean Slate is our most comprehensive option, using the most aggressive dispute strategy to challenge all eligible negative items each cycle. It also offers full tri-bureau visibility, loan-readiness tools to help prepare for major goals like a mortgage or auto loan, plus everything included in Credit Remodel.
The first work fee is a one-time fee charged 6 days after enrollment. It covers the setup of your account and preparation of your first round of disputes. If you cancel before day 6, you won't be charged. This fee is separate from your monthly payment, which is not charged until 30 days after the first work fee.
Yes. If your needs change, you may be able to upgrade or downgrade your plan after enrollment.
Yes. Clients can track account activity, dispute progress, updates, and important notifications through their online portal.
Credit Saint works to improve your credit by identifying inaccurate, unfair, or outdated negative items on your credit reports and disputing them with Experian, Equifax, and TransUnion.
With nearly 20 years of experience, we’ve mastered credit reporting laws and developed powerful dispute strategies that deliver real results. We craft and send professional, custom dispute letters on your behalf, handle all the paperwork, communicate directly with the bureaus, and follow up relentlessly, pushing for corrections to move your credit forward.
Once you sign up, we securely pull your credit reports and dig deep to identify every inaccurate, unfair, or outdated item affecting your score. We’ll then develop your personalized dispute strategy, craft professional dispute letters, and send them to all three credit bureaus. If the bureaus can't verify an item is accurately reported, they must remove it or correct it–this is what helps improve your credit score.
Then, we track responses, monitor progress closely, and persistently follow up to keep your credit moving in the right direction. Throughout the process, you’ll get updates in your online portal, plus practical guidance and tools to help strengthen your credit while we do the heavy lifting.
Yes. Credit Saint is accredited by the Better Business Bureau, has helped over 250,000 clients improve their credit since 2007, and earned over 15,000 positive reviews.
We operate in full compliance with federal credit reporting laws and use proven, professional dispute strategies developed through nearly 20 years of experience.
Yes. Credit Saint is SOC 2 Type II and PCI compliant, which means our security practices follow rigorous standards for safeguarding your information.
$0 due today – sign up 100% FREE with no charge for the first 6 days.
First work fee due on day 6 – this one-time fee allows us to set up your account. Cancel before day 6 and you won’t be charged.
Monthly payment begins one month after your first work fee – this is a recurring charge, billed on the same day each month as long as your service is active. Cancel anytime.
All plans are backed by our 90-day money-back guarantee for added peace of mind.
Credit Saint is a strong fit for individuals who have inaccurate, unfair, or outdated negative items impacting their credit.
If you want a structured, expert-led approach designed to challenge and correct inaccurate reporting, Credit Saint may be the right choice for you.
Achieve financial freedom starting at
Ranked #1 by top financial sites
Powerful plans built to tackle credit errors
Clean Slate
$139.99
/mo
+ $195 first work fee
Unlimited Three-Bureau Challenges
Three-Bureau Reports & Scores
Inquiry Targeting & Loan Readiness Program
$0 due today
MOST POPULAR
Challenges to the 3 Credit Bureaus
Score Tracker & Analysis
One Bureau Report & Score
Creditor Intervention Letters
Credit Polish
$79.99
/mo
. . .
begins in 36 days
due in 6 days
. . . . . . . .
$99.00 first work fee
$0 due today
Credit Polish
$79.99
/mo
. . . . . .
begins in 36 days
due in 6 days
. . . . . . . .
$99.00 first work fee
Challenges to the 3 Credit Bureaus
Score Tracker & Analysis
Creditor Intervention Letters
One Bureau Report & Score
$0 due today
15K+ 5-star reviews
Google, Trustpilot & more platforms
Google, Trustpilot & independent platforms
250K+ clients served
Results-driven service since 2007
Results-driven credit service since 2007
Top-rated by the BBB
Better Business Bureau-Accredited
Since 2007, Credit Saint has received more than 15,000 five‑star reviews across Google, Trustpilot, Money.com, and other independent platforms
CHOOSE YOUR PLAN:
Credit Remodel
$109.99
/mo
+ $99 first work fee
Three-Bureau Challenges
One-Bureau Reports & Scores
Inquiry Targeting
$0 due today
Credit Polish
$79.99
/mo
+ $99 first work fee
Three-Bureau Challenges
One-Bureau Reports & Scores
Score Tracker & Analysis
$0 due today
Not sure which plan is right for you?
Challenges to the 3 Credit Bureaus
Score Tracker & Analysis
Inquiry Targeting
Personalized Guide to Credit
Online Chat (9am-7pm EST M-F)
One Bureau Report & Scores
Saint Legal Watch™
Creditor Intervention Letters
Credit Remodel
$109.99
/mo
begins in 36 days
. . .
. . . . . . . .
due in 6 days
$99.00 first work fee
$0 due today
Challenges to the 3 Credit Bureaus
Score Tracker & Analysis
Online Chat (9am-7pm EST M-F)
Saint Legal Watch™
Creditor Intervention Letters
Credit Polish
$79.99
/mo
. . . .
begins in 36 days
due in 6 days
. . . . . . . .
$99.00 first work fee
$0 due today
Choose your path to stronger credit
Clean Slate
$139.99
/mo
Unlimited challenges to the three Credit Bureaus
Three Bureau Reports & Scores
Creditor Intervention Letters
Inquiry Targeting
Personalized Guide to Credit
Real-Time Account Sync
Score Tracker & Analysis
Loan Readiness Program
First work fee: $195.00
$0 due today
MOST POPULAR
MOST POPULAR
Start risk-free with our 90-day money-back guarantee.
Credit Remodel
$109.99
/mo
Challenges to the three Credit Bureaus
One Bureau Report & Score
Creditor Intervention Letters
Inquiry Targeting
Personalized Guide to Credit
Real-Time Account Sync
Score Tracker & Analysis
First work fee: $99.00
$0 due today
Credit Polish
$79.99
/mo
Challenges to the three Credit Bureaus
One Bureau Reports & Score
Creditor Intervention Letters
Score Tracker & Analysis
First work fee: $99.00
$0 due today
LIVE EXPERTS AVAILABLE
Have questions about our plans?
LIVE EXPERTS AVAILABLE
Three flexible packages designed to fit your goals and budget. Backed by our 90-day money-back guarantee.
Achieve financial freedom starting at
Ranked #1 by top financial sites
Powerful plans built to tackle credit errors
Clean Slate
Unlimited Three-Bureau Challenges
Three-Bureau Reports & Scores
Inquiry Targeting & Loan Readiness Program
$0 due today
MOST POPULAR
$195 one-time first work fee due in 6 days
/mo starts 30 days after first work fee
$139.99
Challenges to the 3 Credit Bureaus
Score Tracker & Analysis
One Bureau Report & Score
Creditor Intervention Letters
Credit Polish
$79.99
/mo
. . .
begins in 36 days
due in 6 days
. . . . . . . .
$99.00 first work fee
$0 due today
Credit Polish
$79.99
/mo
. . . . . .
begins in 36 days
due in 6 days
. . . . . . . .
$99.00 first work fee
Challenges to the 3 Credit Bureaus
Score Tracker & Analysis
Creditor Intervention Letters
One Bureau Report & Score
$0 due today
CHOOSE YOUR PLAN:
Credit Remodel
$109.99
/mo starts 30 days after first fee
Three-Bureau Challenges
One-Bureau Reports & Scores
Inquiry Targeting
$0 due today
$99 one-time first work fee due on day 6
$99 one-time first work fee due on day 6. $109.99/mo starts 30 days later.
/mo
Credit Polish
$79.99
/mo starts 30 days after first fee
Three-Bureau Challenges
One-Bureau Reports & Scores
Score Tracker & Analysis
$0 due today
$99 one-time first work fee due on day 6. $79.99/mo starts 30 days later.
$99 one-time first work fee due on day 6
/mo
Not sure which plan is right for you?
LIVE EXPERTS AVAILABLE
Clean Slate
Unlimited Three-Bureau Challenges
Three-Bureau Reports & Scores
Inquiry Targeting & Loan Readiness Program
$0 due today
MOST POPULAR
$195 one-time first work fee due on day 6
/mo starts 30 days after first fee
$139.99
/mo
$195 one-time first work fee due on day 6. $139.99/mo starts 30 days later.
