Credit Saint

Passed every point (9/9) as of 24 September 2026.

Checks confirmed: 9/9
Verified: 24 September 2026
Next check: 24 March 2027
Category: credit repair

Key findings

Three tiers ($79.99/$109.99/$139.99 per month, with $99/$99/$195 initial work fees); same industry-standard pay-for-ongoing-service model as Sky Blue.
But flagged as the riskier of two legitimate guarantee types under our standard — Credit Saint's 90-day guarantee is outcome-tied, not satisfaction-only: it refunds fees only if no 'questionable items' were actually deleted within 90 days, i.e. conditioned on a specific outcome not occurring, closer to (though distinct from) a guaranteed-results claim.
None identified.
Three flat, published tiers with stated work fees.
Discloses that it pursues disputes through both credit bureaus and original data furnishers, tracks multi-round follow-up, and gives clients a portal to see dispute status.
Named operator Credit Saint, LLC, founded 2007, real New Jersey address (Oakland/Saddle Brook/Mahwah, NJ), CEO Ross LaPietra identified.

Check overview

Every point on our standard, checked individually — not one blended score.

Advance Feespass
Guaranteed Resultspass
CFPB Complaintsunknown
Enforcement Historypass
Fee Schedulepass
State Registrationunknown
Dispute Transparencypass
Named Company Ownershippass
Cancellation Rightsunknown

Read the full explanation for each point

Advance Feespass
Three tiers ($79.99/$109.99/$139.99 per month, with $99/$99/$195 initial work fees); same industry-standard pay-for-ongoing-service model as Sky Blue.
Guaranteed Resultspass
But flagged as the riskier of two legitimate guarantee types under our standard — Credit Saint's 90-day guarantee is outcome-tied, not satisfaction-only: it refunds fees only if no 'questionable items' were actually deleted within 90 days, i.e. conditioned on a specific outcome not occurring, closer to (though distinct from) a guaranteed-results claim.
CFPB Complaintsunknown
Could not independently pull an exact CFPB Consumer Complaint Database count.
Enforcement Historypass
None identified.
Fee Schedulepass
Three flat, published tiers with stated work fees.
State Registrationunknown
Not independently verified against all state CSO registries.
Dispute Transparencypass
Discloses that it pursues disputes through both credit bureaus and original data furnishers, tracks multi-round follow-up, and gives clients a portal to see dispute status.
Named Company Ownershippass
Named operator Credit Saint, LLC, founded 2007, real New Jersey address (Oakland/Saddle Brook/Mahwah, NJ), CEO Ross LaPietra identified.
Cancellation Rightsunknown
Not independently verified in the current enrollment contract.

How this was verified

Checked against our published standard — the exact sources each point is checked against are listed in our methodology, never this company's own marketing.

Corrections & disputes

Think something here is wrong or out of date? Report it — we commit to reviewing every dispute within 5 business days. Any past correction to this Register is logged publicly in the Corrections section.