#1 for a reason

90-Day Money-Back Guarantee

The goal of credit repair is to remove questionable negative information from credit reports. This is not an exact science and there are cases in which we may be unsuccessful. Our clients are protected with our 90 day guarantee.

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What the Guarantee Covers

If you sign up for service with Credit Saint in any program, and do not see any questionable items deleted from your credit in 90 days, you will be entitled to a full refund.

This does not mean that your credit will be fixed completely during that period, but you should see some of your questionable negative items deleted in this period or your money back, subject to the terms and conditions set forth below.

Terms and Conditions

The money-back guarantee is strictly subject to your compliance with all six conditions below.

WHEN YOU ENROLL

  1. Send proof of identity Within 5 days Mail, fax or email Credit Saint proof of your identity, such as a copy of your driver’s license and social security card, within five (5) days of the effective date of this agreement.

While you are in the program

  1. Stay active for the full term 90 days Eligibility for a refund does not begin until day 90, and you must be an active participant throughout. Cancelling or failing to pay during those first 90 days voids the guarantee.
  2. Keep payments current Make all payments due and owing to Credit Saint under this agreement in a timely manner.
  3. Add no new derogatory items Do not create or cause any new derogatory items to be added to your credit report after your participation in the program begins.

When you request a refund

  1. Request inside the window Day 91–120 Refund audits must be requested between 91 and 120 days from receipt of your first payment, which activates your account. Continuing beyond 120 days waives the right to request a refund.
  2. Allow time for the audit 30 days Give Credit Saint thirty (30) days from the date you request a refund to review your credit bureaus and audit your account, verifying that no negative items were removed and establishing why.

How to Apply for a Refund

Contact your service specialist by phone so your identity can be verified.

Credit Saint is a credit repair organization as defined under the Credit Repair Organizations Act (CROA) and is not a law firm. Credit service companies cannot promise a result or credit score increase.

Common questions

What people ask before they rely on it.

All Questions
Coverage

What Does the 90-Day Guarantee Actually Cover?

If we challenge items on your report and none of them are removed within the first 90 days of active work, you can request a full refund of what you have paid.

It covers the work, not an outcome we cannot guarantee. No credit repair company can legally guarantee a score increase, and accurate, verified, current information stays on your report regardless of who files the challenge.

Cancelling

Can I Cancel, and Does It Cost Anything?

You can cancel at any time, and there is no cancellation fee on any plan. There is no contract holding you to a minimum term.

Federal law also gives you three business days to cancel after signing, no reason required. Call the number at the top of this page and we will close it out.

Timing

When Does the 90 Days Start?

During the first 6 days we are performing the First Work on your account. The 90 days begins when your disputes are released to the Credit Bureaus.

Outcomes

What if Some Items Are Removed but Not All?

There may be a scenario where items are verified and can not be removed. This is why it is important to submit all requested documents as well as any supporting documents to accompany our disputes. There is no guarantee that every single inaccuracy will be removed, but you are covered by our guarantee - if nothing is removed in the first 90 days you are eligible for a full refund of all payments made.

Verified Reviews

Real Americans. Real results. Third-party verified.

“DEFINITELY WORTH EVERY PENNY! After working with Credit Saint for only a few months, I was approved for a card that I had…”

Ashlee S. Verified Google review

A BBB Accredited Business. 16,000+ Google reviews at 4.8 stars. Individual results vary based on your credit profile, the items in dispute, and creditor responses. Reviews reflect individual experiences and are not typical or guaranteed. Accurate negative items can’t be removed.