Cancel Credit Saint: Easy Method

What is Credit Saint

Overview

Credit Saint is a US‑based credit repair company that offers monthly subscription plans to dispute negative items on consumer credit reports and provide credit education and monitoring.

The company markets a 90‑day money‑back guarantee and provides phone‑based customer support and online account access for enrolled clients.

Service model

Services are delivered on a monthly subscription basis with an initial setup fee for each plan tier.

Credit Saint works by identifying negative items, sending disputes and creditor interventions, and tracking disputed items across credit bureaus.

How to cancel Credit Saint

Primary cancellation method

• Call Credit Saint to cancel your program; cancellation requires a phone call to receive a cancellation confirmation number and confirmation email.
• Your account remains active until the end of the current paid month; there are no prorated refunds for partial months.
• Keep the cancellation confirmation number and confirmation email as proof of cancellation.

Other cancellation notes

• Under the U.S. Credit Repair Organization Act you may cancel a web contract within 3 business days of signing (cooling‑off period) and any payment must be refunded within 10 days of written cancellation; see the disclosure for details: Credit Saint disclosure.
• There is no public information that Credit Saint offers subscriptions via the App Store or Google Play, so cancellation through those platforms likely does not apply.

What happens when you cancel

Account access and billing

After cancelling by phone, your account typically remains active until the end of the current paid billing month.

No prorated refunds are provided for partial months unless a specific refund policy applies.

Data and ongoing activity

Credit Saint may retain records of your account and dispute history as part of their internal processes and legal obligations.

If you later re-enrol, prior disputes or results may not automatically resume; confirm re‑enrolment terms with support.

Will I get a refund?

90‑day money‑back guarantee (summary)

Credit Saint advertises a 90‑day money‑back guarantee: if no questionable negative items are removed from your credit report within the first 90 days, you may be entitled to a full refund subject to specific conditions.

Full policy details are on their site: 90‑day money‑back guarantee.

Eligibility, conditions and exceptions

• To be eligible you must: remain in the program for the full initial 90 days (no cancellation or payment failure), provide proof of identity within 5 days of starting, make timely payments, and not add new derogatory items during that period.
• Refund requests must be made between day 91 and day 120 after enrollment and Credit Saint allows up to 30 days for audit and review of the refund claim.
• Refund eligibility is voided if you cancel or fail to pay during the first 90 days, or if you continue past 120 days - these actions can waive the refund right.
• Some customers report difficulty claiming the guarantee due to procedural requirements and deadline disputes; keep clear records if you pursue a refund.

Credit Saint plans and pricing

Pricing table

NZ pricing note

Credit Saint does not publish New Zealand‑specific pricing. Convert US prices to NZD using current exchange rates and factor in any local taxes or platform fees.

Check billing currency on signup and retain receipts for any currency conversion disputes.

Your consumer rights in New Zealand

General consumer protections

In New Zealand, consumers have protections under laws such as the Fair Trading Act, which prohibits misleading or deceptive conduct in trade and advertising.

Services must be provided with reasonable care and skill; if a service is misrepresented you may have grounds to complain or seek redress.

Credit reporting and privacy

The Privacy Act provides rights related to your personal information, including the ability to request correction of incorrect credit information held by credit reporting agencies.

If you believe a credit repair firm has acted unfairly, you can complain to the Commerce Commission (for Fair Trading issues) and the Office of the Privacy Commissioner (for privacy and corrections).

Customer experiences

Positive feedback

Many customers praise Credit Saint representatives as knowledgeable, professional, empathetic and clear in explaining the process.

Some clients report quick wins, with negative items removed within days or months and an improved outlook on credit standing.

Negative feedback

Common complaints include difficulty obtaining refunds under the 90‑day guarantee, long periods of paid service with little or no results, and disputes over whether refund deadlines were met.

Other issues raised include billing without noticeable service, perceived misleading advertising, and occasional poor customer service interactions.

Documentation checklist

Essential documents to keep

• Enrollment confirmation, plan details and written terms or contract.
• All invoices and payment receipts showing amounts and dates.
• Cancellation confirmation number and confirmation email after you call to cancel.

Supporting evidence for refunds or disputes

• Copies of your credit reports and dated screenshots showing disputed items before and after disputes.
• Identity verification sent within required timeframes (ID, proof of address) and timestamps of submission.
• All written correspondence, notes of phone calls (dates, times, agent names), and refund request records.

Common mistakes

Missing or weak documentation

Failing to keep cancellation confirmation or proof of identity submissions often undermines refund or dispute claims.

Example: customers report missing the 91 - 120 day refund window because they lacked clear documentation of start and payment dates.

Assuming automatic refunds or immediate results

Assuming the 90‑day guarantee is automatic can lead to disappointment - eligibility depends on strict procedural requirements and timelines.

Example: cancelling early or adding new derogatory items during the first 90 days commonly voids refund eligibility.

Comparative recap

Quick comparison

After cancelling

Monitoring your credit

Continue to monitor your credit reports directly with credit bureaus to confirm disputed items have been removed or corrected.

Obtain periodic copies of your reports to track any remaining or new derogatory items.

Where to get help

• Credit Saint support and policy pages: 90‑day guarantee, disclosure, and the company contact pages.
• New Zealand consumer and privacy resources: Commerce Commission, Office of the Privacy Commissioner, and Citizens Advice Bureau.

Address

Mailing address

Credit Saint, LLC Park 80 West Plaza II Suite 200 Saddle Brook, NJ

Use this US address of record if you need to send documents by post and no NZ‑specific address is available.

International customers and support

International customers should contact Credit Saint support via their website for email options and confirmation of how to submit complaints or refund requests.

Keep copies of any posted or emailed correspondence and obtain delivery/read receipts when possible for proof.