Credit Saint
Star rating

A Late Payment Removal Service That Actually Does the Work

Credit Saint handles the entire dispute process — from report review to bureau communication — so you don't have to.

Most people don't have the time or expertise to navigate the credit bureau dispute process effectively. Credit Saint does this every day. We review your report, identify challengeable late payment entries, and submit formal disputes to Experian, Equifax, and TransUnion on your behalf. Our team follows up until each case is resolved.

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Call 855-626-0198

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How we can help

Improve your credit so you can...

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Contact Information

  • • I agree to the terms, including its arbitration provision, privacy policy, the right to pull my credit report, and the auto-renewal of services each month at the pricing above until I cancel by emailing the company (cancel@creditsaint.com) or logging into my online account and clicking to cancel the service.
  • • I understand that each month I am only paying for the service of sending written disputes to the bureaus for items I believe to be inaccurate. I understand I will only be charged once my disputes have been sent. I understand that results are not guaranteed or promised.
  • • I understand that I am contracting to purchase the above services, which include disputing inaccurate information appearing on my credit report, and that I will only be billed after work is performed. The program includes an initial work fee of __________, usually payable six (6) days after signing up, and then a monthly fee of _______, which automatically renews each month as services continue to be provided.
  • • If I provide a credit card, I will be provided with dates on which it will be charged automatically.

CREDIT SAINT LLC TERMS AND CONDITIONS This Agreement ("Agreement") is entered into by and between Credit Saint, LLC, (the "Company"), with a principal address of 250 Pehle Avenue, Suite 200, Saddle Brook, NJ 07663, and ______________ (the "Client"), regarding an agreement to provide credit oriented services and the Client's agreement to pay for such. Credit Restoration Services (the "Service") will be limited to the following, and will be for the benefit of the Client, and Client authorizes Company to provide such Services and act on Client's behalf to perform Services. Credit Audit Service: Review and assess the Clients current credit standings, and consult with the client as to the information contained within their credit report. Enter all applicable data from Client's credit report into secure internal database. Client's file is prepped and investigations/challenges plotted to include the items that Client has indicated to be reporting erroneously per the Client's affirmation. Company will then prepare the individual investigations and/or challenges to each of the three major credit reporting agencies (Experian, Trans Union, and Equifax). Audit Service expected to be complete shortly after Client's first contact with Company. Credit Repair Service: Assist in the update, correction, or removal of any item that is found to have been reported erroneously or inaccurate. Periodic reviews and analysis of Client's credit status. Continually receive and processing manual/automatic updates for Client. Respond to, receive, and/or initiate correspondence via telephone, online, email, facsimile, or regular mail on behalf of client. Create a strategic plan to assist Client in meeting Client's goals, upon request of Client. Create letters, emails, an email address, faxes, or electronic communications to the applicable creditors, collection companies, public record offices, and the three major reporting agencies in the attempt to correct or remove errors on the Client's credit reports which Client indicates to be inaccurate, incomplete, outdated, or unverified as per the Fair Credit Reporting Act on the Client's behalf. Conducts follow up via phone, email, or regular mail with Client to discuss Client's status and strategy. Assist Client with credit/financial related questions to the best of our ability. Credit Polish Option - For a Credit Audit Service Fee of $99.00 and monthly fee payments of $79.99 the Client will receive all of the credit audit services and credit repair services as listed under the Credit Audit Service and Credit Repair Sections of this Agreement for the following regarding Up to 5 inaccurately reporting accounts appearing on Client's credit report(s). Credit Remodel Option - For a Credit Audit Service Fee of $99.00 and monthly fee payments of $109.99 the Client will receive all of the credit audit services and credit repair services as listed under the Credit Audit Service and Credit Repair Sections of this Agreement for the following regarding Up to 10 inaccurately reporting accounts appearing on Client's credit report(s). Clean Slate Option - For a Credit Audit Service Fee of $195.00 and monthly fee payments of $139.99 the Client will receive all of the credit audit services and credit repair services as listed under the Credit Audit Service and Credit Repair Sections of this Agreement for the following regarding An unlimited amount of inaccurately reporting accounts appearing on Client's credit report(s). PLEASE CHECK WHICH OPTION YOU PREFER — YOU MUST CHECK ONE OPTION: CREDIT POLISH CREDIT REMODEL CLEAN SLATE You, the buyer, may cancel this contract without penalty or obligation at any time prior to midnight of the fifth day after the date of the transaction. See the attached notice of cancellation form for an explanation of this right. DIGITAL SIGNATURE Dated: ______________ Print Name: ______________ SOCIAL: XXX-XX-XXXX Date of Birth: XX-XX-XXXX *Document has been signed electronically, such constitutes clients valid signature.

By clicking GET STARTED I agree to be contacted by credit saint at the above number and email for the purposes of administering my program. For efficiency purposes, such contact may be performed through autodial, pre-recorded, AI/ artificial voice calls and text / SMS messages.

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Get an overview of our service:

👉 Call 855-626-0198

We make it simple

Enroll in minutes – no cost, no risk, no obligation

01

Sign up for free

Enroll in minutes – no cost, no risk, no obligation.

02

Review & dispute

Our experts review your credit, spot errors, and send disputes.

03

Track progress

Monitor changes to your credit as we address negative items.

Credit Saint on mobile

What Our Late Payment Dispute Service Includes

Every client starts with a full review of their credit report across all three bureaus. We identify late payment entries that appear inaccurate or unverifiable, draft dispute letters tailored to each bureau's requirements, and track every case through resolution. You get a dedicated case advisor and regular progress updates throughout.

Late Payments
Foreclosures
Charge Offs
Collections
Bankruptcies
Judgments
Repossessions
Liens

What to Look for in a Late Payment Removal Service

Not all credit repair companies are the same. When evaluating a late payment removal service, look for companies with a long track record, transparent pricing, and a clear process for how they dispute items. Avoid any company that guarantees specific results or promises to remove accurate, verifiable information — that's not how legitimate credit repair works.

Credit Saint has been in business for over 20 years and holds an A rating with the Better Business Bureau. Our process is straightforward: we review your report, identify what's challengeable, and dispute it properly. We don't make promises we can't keep, but we do put in the work.

The Fair Credit Reporting Act gives consumers powerful rights when it comes to inaccurate credit reporting. A professional credit repair service helps you use those rights effectively.

Google5 stars

Trusted by over 250,000 clients since 2007

Credit Saint has truly improved my credit. My credit went from 663 to 744 in just 3 months!! They really work hard to help you.

DEFINITELY WORTH EVERY PENNY! After working with Credit Saint for only a few months, I was approved for a card that I had been denied for previously.

Amazing success so far in the removal of many chargeoff and late payments in just 2 months. My score has increased 70 points!

Money-back guarantee
VerifiedFree cancellationTop rated

We've got you covered

At Credit Saint, we're committed to your financial success and peace of mind. That's why we offer a 90-day money-back guarantee*. If you're not satisfied with the results, we'll refund your money.

*Credit service companies cannot promise a result or credit score increase.

Select your plan

Credit Polish

Credit Polish

$79.99/mo

First work fee: $99.00

  • Challenges to the 3 Credit Bureaus
  • Score Tracker & Analysis
  • Online Chat (9am-7pm EST M-F)
  • Saint Legal Watch™
MOST POPULAR
Credit Remodel

Credit Remodel

$109.99/mo

First work fee: $99.00

  • Challenges to the 3 Credit Bureaus
  • Score Tracker & Analysis
  • Creditor Intervention Letters
  • Inquiry Targeting
  • Personalized Guide to Credit
  • Online Chat (9am-7pm EST M-F)
  • One Bureau Report & Scores
  • Saint Legal Watch™
Clean Slate

Clean Slate

$139.99/mo

First work fee: $195.00

  • Unlimited Challenges to the 3 Credit Bureaus
  • Score Tracker & Analysis
  • Creditor Intervention Letters
  • Inquiry Targeting
  • Personalized Guide to Credit
  • Rent-to-Own Home Program
  • Online Chat (9am-7pm EST M-F)
  • Three Bureau Reports & Scores
  • Saint Legal Watch™
  • Report Payments to 3 Bureaus

Expertise you can depend on

We've helped countless individuals regain control of their credit, and our track record is a testament to our dedication.

4.8/5
stars on Google
200,000+
client success stories
12,000+
five-star reviews
90-Day
money-back guarantee

Questions About Our Late Payment Removal Service

Stop managing bureaus yourself. Let Credit Saint handle it.

Free consultation. We'll tell you exactly what we see on your report and what we can work on.

LIVE EXPERTS AVAILABLE

Take advantage of our 90-day money-back guarantee.