Credit Saint vs Xperia Credit Solutions (2026)
Written by Harvey Brooks | Reviewed by the CreditDoc Editorial Team
Xperia Credit Solutions
Google rating from 739 reviews
Summary
Credit Saint ($79.99/mo + $99 setup) and Xperia Credit Solutions ($69.99/mo + $49.99 setup) both hold A+ BBB ratings. Credit Saint offers a clear 90-day listed refund term and three service tiers, though it lacks credit monitoring and identity theft protection. Xperia features certified FICO Professionals and boasts a 4.8/5 rating from 739 reviews versus Credit Saint's unreviewed 4.1/5, but lacks a verified listed refund term and doesn't publish pricing publicly. For risk-averse consumers, Credit Saint's listed refund term is valuable. For those prioritizing reputation and credentials, Xperia's extensive positive reviews and FICO certification provide stronger assurance.
Side-by-Side Comparison
| Feature | ||
|---|---|---|
| Monthly Price | From $79.99/mo | From $69.99/mo Lower |
| Setup Fee | $99.00 | $49.99 Lower |
| BBB Rating | A | A+ Higher |
| Refund Term Listed | Yes Listed | No |
| Google Rating | | |
| Credit Monitoring | ||
| All 3 Bureaus | ||
| Goodwill Letters | ||
| Cease & Desist Letters | ||
| Debt Validation | ||
| Credit Education | ||
| ID Theft Protection | ||
| Score Tracking | ||
| Mobile App | ||
| Online Portal | ||
| Personal Advisor | ||
| AI-Powered |
How to Compare These Two
CreditDoc Profile Note
Research Note on Credit Saint
Review Credit Saint if these stored profile signals are relevant to your research: Consumers who want a mid-range credit repair service with escalating dispute tactics. People who value a clearly defined 90-day listed refund term. Profile signal to verify: 90-day listed refund term is one of the clearest refund policies in the industry.
CreditDoc Profile Note
Research Note on Xperia Credit Solutions
Review Xperia Credit Solutions if these stored profile signals are relevant to your research: Consumers with identifiable inaccurate or unverifiable items on their credit reports. Homebuyers or auto loan applicants needing a score boost before a near-term credit application. Profile signal to verify: Certified FICO Professionals on staff — a formal credential not found at many credit repair firms.
CreditDoc Profile Note
Research Note on Xperia Credit Solutions
CreditDoc comparison note: Xperia Credit Solutions. Xperia Credit Solutions offers clearer listed-cost context with a lower monthly price ($69.99 vs $79.99), lower setup fee ($49.99 vs $99), and more stored public-review context with a 4.8/5 rating from 739 stored reviews compared to Credit Saint's unreviewed 4.1/5 rating. The presence of certified FICO Professionals and 13+ years of operating history under the same entity demonstrates established experience context and reliability.
Check the Context Before You Contact a Company
Use this comparison with each company profile, related category pages, local guides, and CreditDoc data explainers. This page is directory context, not a recommendation, approval prediction, price quote, or licensing determination.
Frequently Asked Questions
Which lists the lower monthly price, Credit Saint or Xperia Credit Solutions?
Xperia Credit Solutions lists the lower monthly price at $69.99/mo, compared with Credit Saint at $79.99/mo. Setup fees can change first-month cost: Credit Saint lists a $99.00 setup fee, while Xperia Credit Solutions lists a $49.99 setup fee.
Which has the higher stored BBB rating, Credit Saint or Xperia Credit Solutions?
Credit Saint has an A BBB rating (accredited), while Xperia Credit Solutions has an A+ BBB rating. BBB ratings are third-party signals and should be checked with current provider, regulator, and complaint-response context.
Do Credit Saint and Xperia Credit Solutions list refund terms?
Credit Saint has a listed refund term: 90-day listed refund term. If no negative items are removed within 90 days of enrollment, you may request a provider-stated refund of monthly service fees. Setup fees: $99 for Credit Polish and Credit Remodel, $195 for Clean Slate. Xperia Credit Solutions does not have a listed refund term in this profile.
How should I compare Credit Saint and Xperia Credit Solutions?
Compare the profile details, pricing fields, public ratings where available, refund terms, and complaint-response context before contacting either company. CreditDoc's stored comparison note records Xperia Credit Solutions for this matchup because: Xperia Credit Solutions offers clearer listed-cost context with a lower monthly price ($69.99 vs $79.99), lower setup fee ($49.99 vs $99), and more stored public-review context with a 4.8/5 rating from 739 stored reviews compared to Credit Saint's unreviewed 4.1/5 rating. The presence of certified FICO Professionals and 13+ years of operating history under the same entity demonstrates established experience context and reliability.
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