Credit Saint vs CreditRepair.com

Comparing like for like

The $49.95 vs $79.99 comparison is a base price against a base price. To compare fairly, line up what you'd pay and what you'd get.

If you want the lowest monthly fee, CreditRepair.com's Value product is $30 a month less than Credit Polish. Ask for its first work fee and dispute volume, then compare six-month totals.

If you want a full-featured plan, the closer match to CreditRepair.com Advanced ($119.95 plus $119.95) is Credit Saint's Credit Remodel ($109.99 plus $99), which adds inquiry targeting and a one-bureau report and score, or Clean Slate ($139.99 plus $195), which adds unlimited disputes and three-bureau reports and scores. Advanced adds monthly score updates, more challenges, more creditor interventions and cease and desist letters over CreditRepair.com's Standard plan.

Six-month cost example

Assumptions: one person, prices as published in October 2026, one-time fee paid once, six monthly payments, no cancellation, no discounts.

Plan	One-time fee	6 monthly payments	6-month total
Credit Saint Credit Polish	$99	$479.94	$578.94
Credit Saint Credit Remodel	$99	$659.94	$758.94
Credit Saint Clean Slate	$195	$839.94	$1,034.94
CreditRepair.com Value	Not published	$299.70	$299.70 plus any first work fee
CreditRepair.com Advanced	$119.95	$719.70	$839.65

Where CreditRepair.com wins: the lowest advertised monthly price, identity theft insurance on every plan, a mobile app, and 50% off the first payment when you sign up with a friend or family member. Where Credit Saint wins: published dispute volume, two plans that cost less than Advanced over six months, and a money-back guarantee.

Guarantees compared

CreditRepair.com does not publish a money-back guarantee. Its pricing FAQ says that, following the Credit Repair Organizations Act, it "only charges for services that have been completed."

Credit Saint publishes a 90-day money-back guarantee: if you don't see any questionable items deleted from your credit in 90 days, you're entitled to a full refund. The conditions:

1. Stay active and current on payments for the first 90 days.
2. Send proof of identity within 5 days of signing.
3. Don't add new negative accounts during the program.
4. Request a refund audit between day 91 and day 120 after your first payment. Credit Saint then has 30 days to review your reports.

It is a refund policy, not a promise that any item will be deleted or that your score will change.

The 2023 CFPB case

CreditRepair.com was a defendant, alongside Lexington Law and their parent companies (PGX Holdings and the Progrexion entities), in the CFPB's lawsuit filed in 2019 in the U.S. District Court for the District of Utah (CFPB case page).

• On March 10, 2023, the court ruled the companies charged upfront fees for telemarketed credit repair in violation of the Telemarketing Sales Rule (16 CFR 310.4).
• The parent and its affiliates, including CreditRepair.com, Inc., filed for Chapter 11 in June 2023 and sold substantially all of their assets that September.
• On August 30, 2023, the court entered a $2,660,926,481 redress judgment, civil penalties, and a 10-year ban on telemarketing credit repair.
• From December 5, 2024 to January 6, 2025, the CFPB distributed $1,849,480,214 to 4,313,921 people who paid Lexington Law or CreditRepair.com (CFPB refund details).

You can check any company, including ours, in the CFPB enforcement database and complaint database. Our full write-up of the case is on the Credit Saint vs Lexington Law page.

How the process differs

Both companies challenge items that may be inaccurate, incomplete or unverifiable with Equifax, Experian and TransUnion, and the bureaus generally have 30 days to investigate (15 U.S.C. 1681i). Neither can remove accurate, timely information.

CreditRepair.com describes four steps: review all three reports with you, recommend a plan, send challenges and disputes to bureaus and creditors and escalate as needed, then monitor your credit with identity theft alerts and insurance. You follow each item in a case management dashboard or the app.

Credit Saint reviews your reports, then sends challenges to all three bureaus and creditor intervention letters at your tier's volume. Credit Remodel adds inquiry targeting, a personalized credit guide, a one-bureau report and score, and real-time account sync. Clean Slate adds unlimited challenges, three-bureau reports and scores, and a loan readiness program. Support is online chat 9am to 7pm ET on weekdays and phone at 1-877-637-2673.

Who should choose CreditRepair.com

• You want the lowest advertised monthly price.
• You want identity theft insurance and monitoring bundled in.
• You want a mobile app to track each item.
• You are signing up with a friend or family member and want 50% off the first payment.

Who should choose Credit Saint

• You want a cash refund option if nothing questionable comes off in 90 days.
• You want to know how many disputes your plan sends, up to unlimited.
• You want a full-featured plan for less than $839.65 over six months.
• You put weight on review volume: 4.8 on Google from 16,000+ reviews.
• You live outside Kansas, Maine, Mississippi, Oregon, South Carolina and Washington, D.C.

Compare tiers on Credit Saint packages and read client feedback on our reviews page.

How to decide

The Credit Repair Organizations Act gives you the same rights with either company.

1. No fee before the work is done (15 U.S.C. 1679b). Ask when the first work fee is charged.
2. A written rights disclosure before you sign (1679c).
3. A written contract with the total of all payments, the services and the time frame (1679d). Use it to compare total cost, not the monthly headline.
4. Three business days to cancel without penalty (1679e).
5. No promised deletions or point gains. Walk away from any company that makes them.
6. Check the record. Look up complaints and enforcement actions, and see our guide to filing a complaint against a credit repair company if something goes wrong.

You can dispute errors yourself at no cost; our guide to how much credit repair costs compares DIY with paid plans. For more side-by-side pages, see /compare/.