To cancel Credit Saint, call 1-877-637-2673, email support@creditsaint.com, or submit a cancellation request through your online client portal. There are no early termination fees, but Credit Saint does not prorate refunds, so your account stays active until the end of the billing cycle you have already paid for. The timing of your request, and whether you have crossed the 90-day mark, decides how much money you keep.
Time It Right Before You Cancel
This is where most people lose money. Credit Saint does not issue prorated refunds. When you cancel, your account remains active until the end of the current paid billing cycle, and your portal access is revoked at that point.1Credit Saint. Website Terms and Conditions Cancel two days into a new cycle and you have paid for a month you will not use.
Pull up your most recent billing statement and find the exact date your monthly charge posts. Submit your cancellation a few days before that date. You keep the full value of the month you have already paid for, and no new charge hits.
Cancel Only After Day 90 if You Want the Refund
Credit Saint advertises a 90-day money-back guarantee on all plans, but the conditions are stricter than the marketing suggests. The guarantee is void if anything at all was deleted from your credit history during those first 90 days, regardless of whether your score improved.2Credit Saint. 90-Day Money-Back Guarantee
All four of these conditions must be met:
- You stayed an active client for the full 90 days. Canceling on day 85 to “lock in” the refund does not work.
- You submitted your identification documents within the first five days of enrollment.
- You did not file your own disputes with the credit bureaus while enrolled.
- You did not use another credit repair company at the same time.
If your goal is the refund, let the 90-day clock run its full course while you remain active, then cancel.2Credit Saint. 90-Day Money-Back Guarantee The initial working fee charged at signup is not refunded on cancellation unless you qualify under this guarantee.
If You Just Signed Up, You Have Three Business Days
Federal law gives you a faster exit if you are having immediate second thoughts. Under the Credit Repair Organizations Act, you can cancel any credit repair contract without penalty by notifying the company before midnight of the third business day after you signed.3Office of the Law Revision Counsel. 15 USC 1679e – Right to Cancel Contract This right exists regardless of what your service agreement says and cannot be waived. Notify Credit Saint in writing right away and keep a dated copy.
The Three Ways to Cancel
Credit Saint provides three cancellation channels. Using more than one gives you better documentation if anything goes wrong. Have your full legal name as it appears on the agreement, your account ID, and the email tied to your account ready. Your original service agreement governs the process; Credit Saint’s terms state that all cancellations are “strictly subject to the terms and conditions of the Credit Saint Service Agreement.”1Credit Saint. Website Terms and Conditions
By Phone
Call 1-877-637-2673 during business hours and select the billing or account management option. The representative will verify your identity and process the cancellation. Expect a retention pitch offering a downgrade or a pause. A calm, repeated “I’d like to proceed with cancellation” keeps things moving. Write down the representative’s name, the date and time of the call, and any confirmation number.
By Email
Send your request to support@creditsaint.com with your full name, account ID, and a clear statement that you want to cancel and stop all future billing. Email creates a timestamped record, which is what you want if anyone later disputes when you asked. Keep the sent message and any reply.
Through the Client Portal
Log in and look for account or subscription management settings. A portal request creates an electronic record tied directly to your login. It works well as a backup even after you have called.
Confirm the Cancellation Actually Went Through
Credit Saint typically sends a confirmation email within 24 to 48 hours. If nothing arrives, call back and explicitly ask for written confirmation. Do not treat silence as success. Log into your client portal and check that your subscription shows as inactive or canceled.
Watch your bank or credit card statements for the next two billing cycles. If a charge appears after your confirmed cancellation date, you can dispute it with your card issuer. The FTC advises sending a dispute letter to your card company within 60 days of when the first statement containing the unauthorized charge was sent to you.4Federal Trade Commission. Sample Letter for Disputing Credit and Debit Card Charges Attach your cancellation confirmation.
What Happens to Disputes Already in Progress
Disputes Credit Saint filed with the credit bureaus on your behalf do not vanish when you cancel. The bureaus have their own 30-day investigation window under federal law, and that runs independently. Any dispute already submitted will be investigated and resolved whether or not you are still a paying client.
What stops is new activity. Credit Saint will not send follow-up letters, escalate unresolved items, or file fresh challenges after your account closes. You can continue disputing items on your own directly with the credit bureaus at no cost under the Fair Credit Reporting Act.
Stop the Charges Through Your Bank if Cancellation Is Ignored
If you have canceled and charges keep posting, you have a federal backstop. Under the Electronic Fund Transfer Act, you can order your bank to stop any preauthorized recurring electronic payment. Notify your bank at least three business days before the next scheduled transfer date, and the bank must comply.5eCFR. 12 CFR 205.10 – Preauthorized Transfers
You can give the stop-payment order orally, but your bank may require written confirmation within 14 days. If you don’t put it in writing when required, the oral order expires after 14 days.5eCFR. 12 CFR 205.10 – Preauthorized Transfers Banks commonly charge around $30 for a stop-payment order, though fees vary. If you paid by credit card rather than bank debit, a chargeback through your card issuer is the equivalent route.
If Credit Saint Will Not Process the Cancellation
Most cancellations go through without drama. If yours doesn’t, escalate in this order:
- Call again and ask for a supervisor. Record the representative’s name, the date, and what you were told. In many states you can record the call under one-party consent.
- Mail a cancellation letter by certified mail with return receipt requested. That gives you delivery proof that is hard to dispute.
- File a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by phone at (855) 411-2372. The CFPB forwards complaints to the company, which generally must respond within 15 days.6Consumer Financial Protection Bureau. Learn How the Complaint Process Works
- File a report with the Federal Trade Commission, which enforces the Credit Repair Organizations Act. An FTC report will not resolve your individual case, but it feeds into enforcement patterns.
Knowing these steps are available tends to be leverage on its own, even when you never have to use them.