Credit Saint Reviews 741

Warning to anyone considering Credit Saint.

$193 was withdrawn from my bank account for a service I never knowingly signed up for and never agreed to pay for. I had no idea I was even enrolled in anything with this company until the money was already gone.

When I called to try to resolve the issue and request a refund, I was told I wasn’t eligible because I hadn’t been in their program for 90 days. That made no sense because I never intentionally enrolled in their program in the first place. They insisted there was no miscommunication, but there clearly was, because I would have never agreed to pay $193 for something like this — especially given my financial situation at the time.

Taking money from someone and then refusing to refund it based on a technical policy, even when the customer says they never knowingly signed up, is extremely frustrating and unacceptable.

Be very cautious before giving this company any personal or banking information. Monitor your bank account closely.

Went through the whole sales pitch. Then at the end the rep says you will have to make payment agreements with your creditors. I said no thanks. Are you a credit repair company or a debt consolidation company? Very misleading. Buyer beware.

Will work with them another three months try and get some results.

will not honor refund per agreement. charged $200 to do nothing.

They promised a discount rate of 59...charged 139, said they could fix (in chat) never did...go with another company without two faces if you need credit repair

I have serious concerns about Credit Saint’s billing practices.

Credit Saint charges a monthly fee every 30 days, even though credit bureau investigations often remain open for up to 45 days. This means consumers are billed while investigations are still ongoing and before any results are delivered or even known.

At the time you’re charged, there are no completed investigations, no outcomes, and no way for the consumer to verify that the service has actually been completed. In practical terms, you’re paying while the work is still unresolved.

This exact issue was addressed by the CFPB in its enforcement action against Lexington Law, where regulators rejected the argument that submitting disputes or performing administrative work justifies charging fees before results are achieved. The CFPB made it clear that labels like “monthly” fees don’t matter if consumers are charged before services are complete.

Transparency is lacking, and the billing model leaves consumers paying during periods when nothing has been finalized.

Potential customers should carefully review the billing structure and understand that you may be charged while investigations are still legally pending.

I found this company to be an absolute waste of my money. There was 0 movement on my credit. Absolutely no removals. Absolutely no change in my credit even after paying extra for their subscription to help build my credit I had to call the company for them to even send proper letters to the credit beureaus. After 90 days they refused to refund me the money back guarantee. Incredibly disappointed

Hailey M provided me with excellent service. She took the time to listen to my situation, gave me really solid advice, and offered me next steps that were clear/easy to understand.

Credit Saint scammed me. They took my money and removed the issue, but it was just sold to another scam company. They then told me that I should of tried to pay off the debt!
They never did say anything to me, and now there is a new debt company . Such a lie and scam.

I signed up with this company hoping I would get financial help but I was charged a $195 fee for nothing! When I put in my credit card details, the website said there was 1 month where I would not be charged but instead took it directly out of my account. When I called to ask for a refund, the agent was rude and talked over me and said that the fee charge was in paperwork that I was never notified about or sent! The agent said the paperwork was sent digitally but I was never notified in any way! I cancelled service immediately and would never work with this company and would encourage anyone who needs credit repair to stay far away from credit “saint” unless they want to be charge $200 for NOTHING. I’m out of $195 for no services at all. I told the agent if my money could not be refunded I would file a complaint with the better business bureau because this was not good business and he told me sarcastically to “have a blessed day ma’am” and hung up on me. I have filed a complaint with the better business bureau and also on Consumer Affairs! As soon as the charge posts (yes, it hasn’t even been 24 hours for the charge to post) I will also be disputing the charge with my bank! They should be called Credit Sham instead of Credit “Saint”. Shame on them

Absolutely TERRIBLE Service its all AI and they never get your info to do any work but still charge you.

$2,600 SCAM!
I joined in February 2023, paying $84 the first month and $79.99 monthly after that. For almost two years, they silently charged me over $2,600 while delivering zero results — no deletions, no score improvement, no communication.

When I finally found out, they blamed me for not calling them earlier and said their policy “clearly states” they don’t contact customers proactively. That means they keep billing you quietly even when their service does nothing — and when you finally notice, they hide behind their “90-day” and “120-day” refund limits.

These so-called “terms” are deceptive and completely unreasonable. The 90-day and 120-day limits are nothing more than a shield to deny refunds and trap customers who never received real service. No honest company should be allowed to charge people for nearly two years, fail to deliver, and then use fine print to keep their money.

My experience with CREDIT SAINTS felt like a scam. I signed up in May 2025 it's now October and nothing has been done. I called to cancel and get my money back from the 90 days if nothing changed to be told I missed the deadline.

Honestly, all it take is one bad review just saying cause your time your money your credit it’s an annoying process, but you can do it. I deleted two negative things off my credit reporting through Credit Karma sending aHonestly, all it take is one bad review just saying cause your time your money your credit it’s a annoying process but you can do it. I deleted two negative things off my credit reporting through Credit Karma
But then realize yeah the process is annoying just like every other thing else takes work, but you can do it instead of paying credit companies pay off the debt!

My experience with Credit Saint has been extremely disappointing and misleading. I signed up based on their well-promoted 90-day money-back guarantee, which promises a refund if no negative items are removed within that period. After nearly two months of service with absolutely no results, I canceled — and only then was I informed that I do not qualify for a refund because I didn’t stay the full 90 days.

At no point during the sign-up process or during any of my interactions with their agents was it explained that I needed to remain enrolled past a certain date to be eligible for the guarantee. In fact, when I canceled, I did so under the impression that the guarantee would still apply — especially since no results were delivered. The company also failed to proactively communicate the additional steps required (such as mailing sensitive personal documents or requesting a refund within a specific 30-day window), which are buried in the fine print but never clearly explained.

Instead of transparency, I was met with shifting terms, hidden conditions, and upsells for discounted services. This feels deceptive — and not at all aligned with how a reputable credit repair service should operate. After wasting time and money with zero improvement to my credit, I strongly caution others to carefully read every detail before signing up and not to rely on their advertised guarantee.

They are fake as hell, people beware, they must have they own people or paying to write reviews, I signed up with them in November of 2024 and it was a total waste of money, and to make matters worst they promise on their advertising that 30 days money back guarantee and that's not true, nothing was removed from my report 120 days and after a few months I realize that they are just another scammer, ride it out as long as possible and collecting your hard earned money every month, after I wrote a review about the company on google, some dude from the company name Chris, keeps on calling me asking me to edit the review and that he'll be working on my report to get it done but first I have to edit the review and when I asked about my refund I got no answer, so just to let other people know that they're all the same just out to get your money and nothing else

So helpful in getting me on the right track

The representative was very helpful and answered all my questions and explained everything in detail. Thank you for your help!

It is a very big help to straighten out your credit history. Very helpful people to guide through the process.

I had a great experience with my representative. He had all the answers to my questions. Felt awesome talking to someone with the knowledge I was looking for. I look forward to working with people who will actually help me out with my credit situation.