Credit Saint costs less at the entry tier: its published Credit Polish plan is $79.99 a month plus a $99 first-work fee, against about $99 a month plus a $199 to $299 setup fee at Credit Glory. Both advertise a 90-day money-back guarantee, and each company’s own cancellation terms decide how easy it is to leave.
The monthly rate is only part of what you pay. A setup or first-work fee sits on top of the monthly rate, and the exit terms decide whether you can stop paying once you have started.
Credit Saint costs less than Credit Glory at the entry tier
Credit Saint’s entry plan, Credit Polish, is $79.99 a month plus a $99 first-work fee, while Credit Glory runs about $99 a month plus a $199 to $299 setup fee. A reader who wants the lowest start cost picks Credit Saint. A reader who needs Credit Saint’s higher tiers, $109.99 or $139.99 a month, finds Credit Glory’s roughly $99 monthly rate lower per month but carrying the larger setup fee.
The two fees work differently. Credit Saint’s first-work fee is $99 on Credit Polish and Credit Remodel and $195 on Clean Slate. Credit Glory’s setup fee is a range, so the exact amount you owe at signup is the number to get in writing before you pay.
Credit Saint costs $79.99 to $139.99 a month plus a first-work fee
Credit Saint publishes three tiers: Credit Polish at $79.99 a month, Credit Remodel at $109.99 and Clean Slate at $139.99. Each adds a first-work fee of $99 on the first two and $195 on Clean Slate. The tiers add services such as creditor intervention letters and hard inquiry challenges.
Credit Glory costs about $99 a month plus a setup fee
Credit Glory’s standard plan runs about $99 a month plus a $199 to $299 upfront setup fee. Hard inquiry work can add extra charges on top.
The $199 to $299 setup fee sits on top of the roughly $99 monthly rate. That monthly rate is lower than Credit Saint’s two upper tiers, so the longer you stay, the more the setup fee gets spread out.
How do you cancel Credit Saint or Credit Glory?
Credit Saint works from a written contract, and you may cancel it “without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract.” That is the federal cancellation notice. Credit Saint’s published pages carry no cancellation term after those 3 business days.
Ask both companies, in writing, what stopping after the third business day looks like and whether a month already billed can be refunded.
What does the 90-day guarantee cover at Credit Saint and Credit Glory?
Credit Saint advertises a 90-Day Money-Back Guarantee on every plan, and conditions apply. Credit Glory advertises a 90-day money-back guarantee on monthly charges, and consumer complaints about Credit Glory cite refund difficulties.
Read the conditions on each guarantee page before you rely on either one.
When is Credit Saint or Credit Glory the wrong choice?
Credit Saint is not offered in a few states, including Georgia and Kansas, so check your state before you pay anything. Either company is more than you need if you have a few clear errors, since the Fair Credit Reporting Act (1970) lets you dispute inaccurate, incomplete or unverifiable items yourself for free. The same law gives you a free report from each bureau and the right to have unverifiable items corrected or deleted.
Credit Saint’s most common complaint is paying for months with nothing changing, which 37 of its 57 most recent 1 and 2 star Trustpilot reviews raise. Phil J. wrote in a one-star review of Credit Saint on August 9, 2026: “They charged me over $1,200 over one year with no results.” Credit Glory operates nationally online and by phone, so state availability is a Credit Saint question.
What does credit repair cost per month, and who lets you cancel anytime?
CreditRefresh costs $49.99 a month through Refresh Monitoring with no setup fee. The Credit People charges $99 a month Standard and Lexington Law $139.95 a month, each by its own published rate. CreditRefresh has no long-term contract and you can cancel anytime.
Every row below is priced as the company’s own site states it, and the Trustpilot column shows the score and review count each company shows.
| Tool | What you pay | What that buys | Bureaus | Trustpilot |
|---|---|---|---|---|
| CreditRefresh | $49.99 a month via Refresh Monitoring; no setup fee; letters self-mailed free or RushMail per-letter fee | Software you control; AI drafts letters, you review and sign; bundled with Refresh Monitoring subscription | All three | 4.6 (22 reviews) |
| Dispute Beast | Free tool; Beast Credit Monitoring from $49.99/m; Sprint Mail extra per letter, or free self-mail | Software the user controls (DIY AI app), bundled with paid monitoring required | All three | 4.2 (2091 reviews) |
| The Credit People | $99/month Standard; $119/month Premium; $599 for 6 months Premium Flat Rate; mailing fee not published | Firm drafts and sends disputes for you; you do not draft, sign or mail letters; includes unlimited challenges and monthly report refreshes | All three | 1.7 (18 reviews) |
| Lexington Law | $139.95/month, invoiced at end of each service period; 50% off first payment for veterans and active military | Attorney-handled disputes by the firm, not software you control; attorney case setup after a free assessment | All three | 3.2 (624 reviews) |
Every price is that company’s own published rate, as its own site states it. Trustpilot scores and review counts as published.
How does CreditRefresh handle disputes for a flat $49.99 a month?
Refresh Monitoring costs $49.99 a month, charged to the payment card on the account, and CreditRefresh is included. The subscription gives access to reports from Equifax, Experian and TransUnion, and the dispute letters are drafted for those three bureaus. You review and sign every letter, and nothing is sent without that. Mailing yourself is free, and RushMail is an optional service with a per-letter fee. There is no setup fee.
Members who work the full program and see no bureau score rise above where they started can claim back every Refresh Monitoring payment under our 100% money-back guarantee. It is a refund promise and never a score promise, and the conditions are on the guarantee page. CreditRefresh is not a law firm, its letters are not legal advice, and no result is promised.
FAQ
Skip the paperwork. Start your dispute.
CreditRefresh drafts your FCRA dispute letter and tracks the 30-day investigation window. You review, approve, and send. You stay in control.
Get StartedWhat should you check before you sign with any credit repair company?
Check that you have a written, dated contract. Under 15 U.S.C. § 1679d (U.S. Government Publishing Office, U.S. Code 2024 Edition), a credit repair organization needs a written and dated contract signed by the consumer before it provides services, unless a written and dated contract meeting the requirements of subsection (b) has been signed by the consumer. Then check setup fees and how you cancel. CreditRefresh has no long-term contract and no setup fee, and customers can cancel with no cancellation fee.
What can a credit repair company promise about removing items?
Nothing about a specific result. The Credit Repair Organizations Act (1996) bars charging before services are performed, untrue or misleading statements, and advising consumers to make false claims. The Federal Trade Commission obtained a court order on March 21, 2022 halting operations at Turbo Solutions Inc. (d/b/a Alex Miller Credit Repair), citing false promises to remove negative credit report items and an illegal $1,500 upfront fee. The bureaus decide dispute outcomes, and the possible results are deletion, modification or verification.
How long does a credit bureau take to investigate a dispute?
A bureau has 30 days to reinvestigate a disputed item, counted from the date it receives the dispute notice (Federal Trade Commission, Fair Credit Reporting Act, 2026). The period is set by FCRA § 611(a)(1)(A), and it applies when you dispute directly or through a reseller.
What do you pay for dispute software instead of a credit repair company?
CreditRefresh is $49.99 a month through Refresh Monitoring with no setup fee, and Dispute Beast’s monitoring starts from $49.99 a month. The firms in the comparison above charge $99 to $139.95 a month by their own published rates. With CreditRefresh, the AI drafts the letters and you review, sign and send them, while a firm drafts and sends them for you.
How do you cancel Refresh Monitoring?
Open Settings, choose Billing and subscription, select Cancel plan and complete the confirmation. If the cancel control cannot be used, email support@creditrefresh.ai from the account email with your request. Refresh Monitoring has no lock-in, so you can cancel whenever you want.
What is a hard inquiry, and can you challenge one?
FCRA Section 604 (15 U.S.C. 1681b) lets a bureau furnish a report only for listed permissible purposes, among them a credit transaction involving the consumer and the consumer’s written instructions. Prescreened offers are separately permitted under subsection (c), subject to an opt-out. If an inquiry fits none of those, Section 611 (15 U.S.C. 1681i) requires the bureau to reinvestigate a dispute, generally within 30 days and up to 45 in some cases, and to delete or correct what it cannot verify.
What happens if an item you dispute turns out to be accurate?
The furnisher confirms the data and the item stays, and you can dispute again or escalate. Under FCRA Section 611(a)(1)(A) (15 U.S.C. 1681i) the bureau must reinvestigate and record the current status of the disputed information, or delete the item, within 30 days of receiving the notice (Federal Trade Commission, Fair Credit Reporting Act, 2026). A modified result means a wrong balance, status or date is corrected and the account stays on the report.
CreditRefresh drafts dispute letters to all three bureaus for $49.99 a month through Refresh Monitoring, with no setup fee and no contract, and you review and sign each one. Backed by a 100% money-back guarantee.