Credit Saint helps people improve their credit by challenging unfair or negative items on their credit reports with credit bureaus and creditors. They offer subscription services where you pay a monthly fee plus an initial setup fee, depending on the package you choose. For example, their Clean Slate package costs $139.99 per month with a $195 setup fee and includes unlimited challenges to the credit bureaus. So if you're seeing a charge from Credit Saint, it's likely for one of these ongoing credit repair services you signed up for.
The cancellation process requires calling a specific phone number during business hours, which is straightforward but can be inconvenient. While cancellation can be done anytime without fees, it is subject to contract terms and the payment cycle, and some customers report retention attempts that may make it moderately challenging.
Estimated Time
On average, it takes 10 minutes0010 minutes to cancel a Credit Saint subscription.
How to Cancel Credit Saint: Step by Step
If you purchased through Credit Saint:
Log in to your Credit Saint account using your registered email and password.
Navigate to the Account Settings section.
Select Membership or Subscription management options.
Click on Cancel Subscription.
You will receive a confirmation message regarding the cancellation.
Once canceled, your account will remain active until the end of the current billing cycle.
Cancel as soon as possible—users warn not to delay as timing, especially within a 90-day window, is crucial.
Be very persistent with calls; multiple calls may be necessary as some users report initial cancellation requests being ignored.
Insist on speaking to a supervisor or higher-level representative if initial contacts are dismissive or unhelpful.
Use clear, firm language stating you want to cancel immediately and refuse further charges.
Document all communications (dates, times, who you spoke with) to support your case if disputes arise.
If cancellations fail, escalate by contacting your bank or credit card to stop payments or dispute charges.
Request refund under the 90-day money-back guarantee—note that proof of actual credit repair results (like deletions) might be required.
Be prepared for delays or requests for additional documentation during the refund process; persistence helps.
Some users reported having to close payment accounts to stop recurring charges due to persistent billing after cancellation requests.
Monitor billing statements carefully after cancellation to catch any unauthorized charges immediately.
Express dissatisfaction firmly but professionally to increase chances of successful cancellation or refund.
Why Do People Request Refunds from Credit Saint
Unsatisfaction with service: Clients may have different experiences and some may simply be unhappy with Credit Saint.
High costs and fees: Monthly fees up to $139.99 plus initial fees of $99 or $195 can be costly to maintain.
Credit improvement achieved: Once credit score is excellent and negative items removed, service is no longer needed.
Better alternatives available: Other companies may offer more aggressive services, credit builder options, or better pricing plans.
Desire for DIY approach: Some prefer to manage credit repair themselves for more control and investment in the process.
Complicated or persistent cancellation process: Some customers report difficulty or multiple attempts required to cancel service.
No prorated refunds: Customers may want refunds but the policy is to keep service active until payment cycle ends with no partial refunds.
Limited money-back guarantee: Refunds are only possible under specific conditions and limited timeframes.
Credit Saint Refund Script
Script
Copy
Dear Credit Saint, Support, I hope this message finds you well. I am writing to request a refund due to a billing issue that arose recently. I noticed an accidental charge on my account that I do not recognize, and I believe it may have been a mistake. I would greatly appreciate your assistance in processing this refund at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Best regards,
Credit Saint Refund Policy
Credit Saint allows you to cancel your program anytime without penalty or obligation by phone call, during which you will receive a cancellation confirmation number and email. Billing is done monthly for the month ending, so if you cancel mid-month, you'll be billed for that month only, with no advance billing. Additionally, you can cancel without penalty within 5 days of signing the contract by mailing a signed cancellation notice, and any payments made will be refunded within 10 days.
The Easiest Way to Get a Credit Saint Refund
If you’re frustrated trying to cancel your subscription, membership, or bill from Credit Saint—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Frequently Asked Questions
Credit Saint allows you to cancel your membership or subscription at any time, generally without penalty or early cancellation fees. However, you should be aware that there is a strict 3-business-day window after signing the contract during which you can cancel without any obligation or penalty. Beyond that, while cancellation is typically allowed at any time, be mindful of initial setup fees and monthly charges that may not be refundable after the initial cancellation window.
Unsatisfaction with service: Clients may have different experiences and some may simply be unhappy with Credit Saint.
High costs and fees: Monthly fees up to $139.99 plus initial fees of $99 or $195 can be costly to maintain.
Credit improvement achieved: Once credit score is excellent and negative items removed, service is no longer needed.
Better alternatives available: Other companies may offer more aggressive services, credit builder options, or better pricing plans.
Desire for DIY approach: Some prefer to manage credit repair themselves for more control and investment in the process.
Complicated or persistent cancellation process: Some customers report difficulty or multiple attempts required to cancel service.
No prorated refunds: Customers may want refunds but the policy is to keep service active until payment cycle ends with no partial refunds.
Limited money-back guarantee: Refunds are only possible under specific conditions and limited timeframes.
Full name as used on your Credit Saint account
Account number or other identifying information (as requested on the phone)
Phone number associated with your account
Email address registered with Credit Saint
Physical address (if requested for identity verification)
Date of birth (may be required for identity verification)
Proof of identity (such as driver’s license or SSN card, if requested—especially for money-back guarantee claims)
Details of your service agreement or contract (as cancellation is subject to these terms)
Reason for cancellation (may be asked but not always required)
Before cancelling your Credit Saint subscription, it's important to know that you can cancel at any time, but the service remains active only until the end of your current paid monthly cycle since there are no pro-rated refunds. After your subscription expires, you will lose all access to the member site and any features associated with your account. Also, cancellations are strictly subject to the terms in the Credit Saint Service Agreement, which governs the cancellation process and policies. Keep in mind, if you cancel during the initial 90-day program period without fulfilling the active participation requirements, you may lose eligibility for the 90-day money-back guarantee.
Credit Saint allows you to cancel your program anytime without penalty or obligation by phone call, during which you will receive a cancellation confirmation number and email. Billing is done monthly for the month ending, so if you cancel mid-month, you'll be billed for that month only, with no advance billing. Additionally, you can cancel without penalty within 5 days of signing the contract by mailing a signed cancellation notice, and any payments made will be refunded within 10 days.
To cancel your Credit Saint subscription, you need to call their customer service at 877-637-2673 during business hours (09:00 AM to 07:00 PM EST, Monday through Friday). While it is not explicitly stated that your password is required for cancellation, the process involves speaking with a representative, so having your account information handy is likely necessary. If you need to reset your password, you can do so here: https://www.creditsaint.com/partnerUsers/initiateResetPassword. This will help you regain access to your account information if needed during the cancellation process.
We've actually written a step by step guide on how to get a refund from Credit Saint. Check it out!
The cancellation process typically takes about 10 minutes to complete. However, the actual time may vary depending on your account settings and whether you need to contact customer service. Most cancellations are processed immediately, but some may take up to 24 hours to take effect.
After canceling your Credit Saint subscription, you'll typically have access to the service until the end of your current billing period. You won't be charged for the next billing cycle, and your account will be deactivated once the current period ends. Make sure to download any important data before cancellation.
Yes, you can usually reactivate your Credit Saint account by logging back into your account and resubscribing. However, you may need to go through the sign-up process again and provide payment information. Some services may offer special reactivation deals for returning customers.
If you're unable to cancel Credit Saint online, contact their customer service directly using the phone number, email, or website provided above. You can also use our refund script to help you communicate effectively with their support team. In some cases, you may need to provide additional verification or documentation.
Editorial Note: The content on this site is provided for general informational purposes only and reflects the independent research, opinions, and editorial judgment of Chargeback’s team. While we strive to ensure accuracy and relevance, the information may contain errors, omissions, or become outdated. Nothing on this site constitutes legal, financial, or professional advice, and we do not guarantee the effectiveness or outcome of any guidance provided. Individual results may
vary depending on specific circumstances.
Chargeback is not affiliated with, endorsed by, or sponsored by any of the companies, brands, or services mentioned on this site. All trademarks, service marks, and logos are the property of their respective owners and are used here solely for identification and informational purposes, consistent with principles of fair use.
Use of our site and tools does not create a professional or client relationship and does not guarantee any particular result. We encourage users to do their own research and consult with qualified professionals when making decisions.
Chargeback can help you cancel subscriptions and get refunds
Find unwanted sneak subscriptions
We'll cancel them for you and even try to get you a refund
Chargeback and the Chargeback trademarks used herein are trademarks or registered
trademarks of Chargeback and its affiliates. The use of any other trade name, copyright, or trademark is
for identification and reference purposes only and does not imply any association with the copyright or
trademark holder of their product or brand. Other product and company names mentioned herein are the
property of their respective owners.
¹ Total savings is calculated based on internal annualized estimates of
savings for customers. ² Average requests times may vary depending on volume of requests
.svg)
.svg)
.svg)
.svg)
.png)
