Credit Saint
Credit Saint is a U.S. consumer credit repair service founded in 2007 that helps individuals dispute inaccurate items across Equifax, Experian, and TransUnion via a three-tier subscription model and a secure online portal, serving over 250,000 clients nationwide.
- Company typePrivate
- Founded2007
- HeadquartersSaddle Brook, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Credit Saint does
Credit Saint, LLC is a privately held U.S. consumer credit repair service founded in 2007 and headquartered in Saddle Brook, New Jersey, operating as a subsidiary of Saint Services, LLC. The company targets individual American consumers with adverse credit histories — including those dealing with collections, late payments, charge-offs, bankruptcies, judgments, repossessions, and liens — and helps them challenge inaccurate or unverifiable negative items on their credit reports. Service is available nationwide with the exception of South Carolina.
The company's core offering is a three-tier subscription model: Credit Polish ($79.99/month with a $99 first-work fee) for simple repair needs, Credit Remodel ($109.99/month, no first-work fee) for moderate situations, and Clean Slate ($139.99/month with a $195 first-work fee) for comprehensive repair. All tiers carry a 90-day money-back guarantee. Delivery runs through a secure online client portal where customers share personal information, upload documents, and track dispute progress in real time, supplemented by phone-based sales and support via toll-free numbers.
Operationally, Credit Saint's credit specialists review client reports from Equifax, Experian, and TransUnion and submit formal disputes against inaccurate, unverifiable, or outdated items using FCRA-compliant processes. The technology stack consists of a web-based client portal and an integrated 3-bureau dispute platform; no APIs, mobile apps, or AI/ML capabilities are in evidence. Distribution is direct-to-consumer via the company's website, call center, financial-publication partnerships (Money.com, CNBC, ConsumerAffairs), an SEO-optimized credit education blog, and organic social channels on Instagram, TikTok, and LinkedIn. To date the company reports having served over 250,000 Americans.
Credit Saint firmographics
Firmographics- Name
- Credit Saint
- Legal name
- Credit Saint, LLC
- Website
- https://creditsaint.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Credit Saint is a U.S. consumer credit repair service founded in 2007 that helps individuals dispute inaccurate items across Equifax, Experian, and TransUnion via a three-tier subscription model and a secure online portal, serving over 250,000 clients nationwide.
- Ownership category
- akta.pro rank
Credit Saint industry classification
Industry- Product category
- Credit Repair Services
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Repair & Credit Score Advisory (FSAEAFAD)
- akta.pro secondary industry
- Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)
Keywords
Where Credit Saint is headquartered
LocationHeadquarters
- HQ city
- Saddle Brook
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Credit Saint business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Monthly Subscription - Credit Polish: The Credit Polish plan charges $79.99 per month with a one-time First Work Fee of $99.00. This is an entry-level subscription providing simple credit repair services including credit report review and dispute filing across all three bureaus.
- Monthly Subscription - Credit Remodel: The Credit Remodel plan charges $109.99 per month with no first work fee. This mid-tier subscription provides focused credit repair with additional services beyond the entry-level plan.
- Monthly Subscription - Clean Slate: The Clean Slate plan charges $139.99 per month with a one-time First Work Fee of $195.00. This comprehensive credit repair plan is designed for complex situations requiring the most thorough dispute approach.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Credit Polish — Entry-level simple credit repair |
| Subscription | Monthly | Credit Remodel — Mid-tier focused credit repair |
| Subscription | Monthly | Clean Slate — Comprehensive credit repair |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Credit Saint product offering
Product offeringCore offering
Credit Saint provides subscription-based credit repair services to U.S. consumers, challenging inaccurate, unverifiable, or outdated negative items on credit reports (collections, late payments, charge-offs, bankruptcies, judgments, repossessions, and liens) through formal disputes submitted to all three major credit bureaus. Service is delivered via three monthly service tiers — Credit Polish, Credit Remodel, and Clean Slate — supported by a secure online client portal, dedicated credit specialists, and a 90-day money-back guarantee.
Product overview
Credit Saint offers a credit repair platform with three service tier packages — Credit Polish (entry-level simple repair), Credit Remodel (mid-tier focused repair), and Clean Slate (comprehensive repair for complex situations). All tiers include a 90-day money-back guarantee, a secure client portal with real-time progress tracking, and access to credit specialists who review reports across all three bureaus and submit disputes on the client's behalf. The service focuses on challenging inaccurate, unverifiable, or outdated negative items such as collections, late payments, charge-offs, bankruptcies, judgments, repossessions, and liens.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit Polish Entry-level credit-repair subscription ($79.99/month plus a $99.00 First Work Fee) for consumers with simple credit-repair needs, including credit report review across all three bureaus and dispute filing.
- Credit Remodel Mid-tier credit-repair subscription ($109.99/month, no First Work Fee) offering focused repair for consumers with moderate credit challenges and multiple reporting concerns across the three credit bureaus.
- Clean Slate Comprehensive credit-repair subscription ($139.99/month plus a $195.00 First Work Fee) for consumers with complex credit situations, providing the most thorough dispute approach across all three bureaus.
Quantifiable outcome
- Over 96.4% of paying Credit Saint clients from May 2025 who had one or more items removed saw results in the first 90 days
- +3 more outcomes
Companies that use Credit Saint
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
Credit Saint technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Credit Saint partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights3 records
Credit Saint competitors and assessment
Company assessmentDirect peers
- Boost Credit 101: Direct-to-consumer credit repair company with subscription pricing and 3-bureau dispute services, regularly listed alongside Credit Saint in credit repair best-of rankings.
- Lexington Law: One of the largest and most established credit repair firms in the U.S., offering subscription-based FCRA dispute services across all three bureaus. Named alongside Credit Saint in ConsumerAffairs' 2026 ranking and competes for the same direct-to-consumer credit repair customer.
- The Credit Pros: Subscription-based credit repair service that challenges inaccurate items across Equifax, Experian, and TransUnion. Cited by ConsumerAffairs as a peer of Credit Saint and offers similarly tiered monthly plans to U.S. consumers.
- Sky Blue Credit Repair: Long-standing direct-to-consumer credit repair company offering monthly subscription tiers and 3-bureau dispute services. Comparable in business model, customer profile (U.S. consumers with credit issues), and tiered subscription pricing.
- CreditRepair.com: National credit repair brand offering subscription-based dispute services to U.S. consumers, with comparable monthly plans and bureau dispute workflow. Direct competitor for the same DTC customer segment.
- Pyramid Credit Repair: Subscription-based credit repair firm targeting U.S. consumers with derogatory credit items, offering similar 3-bureau dispute services and monthly pricing tiers as Credit Saint.
- The Credit People: Subscription credit repair service offering monthly memberships and FCRA dispute filing across all three bureaus, targeting the same U.S. consumer credit-recovery use case.
Broad incumbents
- Experian Boost: Free credit-score-boosting product from one of the three major credit bureaus. Targets the same underlying consumer pain point (improving credit scores) but via a free, bureau-native tool rather than paid dispute services, representing a partial substitute and a top-of-funnel alternative.
Emerging players
- Self (Self Financial): Fintech offering credit-building products (credit-builder loans, secured cards) targeted at consumers with thin or damaged credit. Addresses an overlapping customer need (credit improvement) via alternative-data and credit-building tools rather than dispute services.
- National Credit Federation: Subscription-based credit restoration and tradeline-rental service that overlaps with Credit Saint on credit profile improvement but differentiates with credit-building tradelines and negotiation services.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Credit Saint social profiles
Digital presenceCredit Saint financial estimates
Financial estimateRevenue estimate
Valuation estimate
Credit Saint leadership team
Management profileNumber of profiles
Profiles1 record
Credit Saint funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Credit Saint M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Credit Saint
What does Credit Saint do?
Credit Saint provides subscription-based credit repair services to U.S. consumers, challenging inaccurate, unverifiable, or outdated negative items on credit reports (collections, late payments, charge-offs, bankruptcies, judgments, repossessions, and liens) through formal disputes submitted to all three major credit bureaus. Service is delivered via three monthly service tiers — Credit Polish, Credit Remodel, and Clean Slate — supported by a secure online client portal, dedicated credit specialists, and a 90-day money-back guarantee.
Is Credit Saint a public or private company?
Credit Saint is a private company. It is classified as unknown and is currently operating.
When was Credit Saint founded?
Credit Saint was founded in 2007. It employs 51 to 100 people.
Where is Credit Saint based?
Credit Saint is headquartered in Saddle Brook, United States, in the North America region.
How does Credit Saint make money?
Three revenue lines are on record. Monthly Subscription - Credit Polish is the primary driver. The others are monthly Subscription - Credit Remodel and monthly Subscription - Clean Slate.
Who are Credit Saint's main competitors?
Direct peers on record are Boost Credit 101, Lexington Law, The Credit Pros, Sky Blue Credit Repair, CreditRepair.com, Pyramid Credit Repair and The Credit People. Experian Boost is listed as a broad incumbent. Emerging players are Self (Self Financial) and National Credit Federation.
Does Credit Saint have an API?
No public API is recorded for Credit Saint.
What industry is Credit Saint in?
Credit Saint's product category is Credit Repair Services. Its primary akta.pro industry code is FSAEAFAD, Credit Repair & Credit Score Advisory, with a secondary code of FSAKAKAJ, Credit Education, Monitoring & Consumer Credit Management Tools. Its NAICS code is 5223 and its SIC code is 7320.