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.
Difficulty
12345
678910
Easy
Medium
Very Hard
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 minutes
00
00
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.
- If needed, contact support@creditsaint.com for further assistance.
Tips & Tricks for Canceling Credit Saint
- 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.
Credit Saint Customer Service Info
If you need assistance, here's how you can get in touch with Credit Saint's support team.
Cancel Credit Saint Script
Script
Copy
Dear Credit Saint Team,
I hope this message finds you well. I am writing to request the cancellation of my subscription. Due to personal financial changes, I can no longer continue with the service.
I appreciate the assistance I've received while enrolled, but I believe it's best for me to discontinue my membership at this time.
Thank you for your understanding. Please confirm the cancellation at your earliest convenience.
Best regards,
Frequently Asked Questions
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.
- 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 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.
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.
- 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)
We've actually written a step by step guide on how to get a refund from Credit Saint. Check it out!
The Easiest Way to Cancel Credit Saint
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.
Start reclaiming your money today with Chargeback
What Are Some Alternatives to Credit Saint?
Credit Saint, Credit Saint LLC, CreditSaint.com
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
.svg)
.svg)
.svg)
.svg)
.png)
