A streamlined, transparent process. We dispute inaccurate, outdated, and unverifiable items on your behalf, and you see every result in your updated reports and your personal Credit Tracker dashboard.
Book your free consultation. We review your credit report with you, talk through your goals, and recommend the program that fits. Before you sign anything, you receive your written Consumer Credit File Rights disclosure and your contract, which you can cancel within 3 business days.
Get set up in minutes so our team can get to work.
Our team prepares and sends disputes for items that appear inaccurate, incomplete, outdated, or unverifiable.
Stay informed at every step.
Your personal Credit Tracker dashboard shows your results and the items currently in dispute. Combined with your SmartCredit® monitoring and the updated report you receive after each round, you're never left wondering what's happening.
To provide the best possible service and track your progress accurately, all clients keep an active SmartCredit Premium membership throughout the program. It lets our team securely view your reports, analyze updates, and process disputes efficiently, without impacting your score.
Cost: $49.99/month, billed directly by SmartCredit, separate from our program fee. SmartCredit fees are paid to SmartCredit and aren't refundable by us.
Sign up with our partner link (opens in a new tab)When an item appears inaccurate, incomplete, outdated, or unverifiable, we dispute it. Accurate, current, verifiable information can't legally be removed by anyone.
Accounts reported by collection agencies, reviewed for accuracy and verification.
Balances written off by original creditors, checked for reporting errors.
Late marks reviewed for accurate dates, amounts, and status.
Repossession reporting reviewed for accuracy and completeness.
Hard inquiries you didn't authorize can be challenged.
Public-record reporting reviewed for accuracy and reporting periods.
$1,500program fee
or 6 × $250/mo ($1,500 total)
Plus SmartCredit® Premium membership (opens in a new tab), required for all programs ($49.99/month, billed directly by SmartCredit).
Affordable professional credit consulting and dispute assistance at our most accessible price.
90-Day Money-Back Guarantee · see policyIncluded
$2,500program fee
or 6 × $417/mo ($2,502 total)
Plus SmartCredit® Premium membership (opens in a new tab), required for all programs ($49.99/month, billed directly by SmartCredit).
A fully managed credit consulting experience with ongoing support throughout the restoration process.
90-Day Money-Back Guarantee · see policyIncluded
$3,500program fee
or 6 × $584/mo ($3,504 total)
Plus SmartCredit® Premium membership (opens in a new tab), required for all programs ($49.99/month, billed directly by SmartCredit).
The highest level of personalized support: advanced optimization, funding and mortgage preparation, and direct access to Junior.
90-Day Money-Back Guarantee · see policyEverything in Gold, plus
Secure checkout. Questions first? Book a free consultation.
All programs (Silver, Gold, and Platinum) include it. If no inaccurate, unverifiable, or outdated negative item is removed from any of your credit reports within 90 days of enrollment, you may request a full refund of program fees paid. The guarantee doesn't promise a specific score increase or the removal of accurate information.
Read the Guarantee PolicyUnder the Credit Repair Organizations Act (CROA), you have the right to dispute inaccurate information with the credit bureaus yourself at no cost, and you may cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. You'll receive the full written disclosure before you sign.
Consumer Credit File Rights & 3-day cancellationAbout 30–45 days. That's roughly how long the credit bureaus and furnishers have to investigate and respond. After each round we send you an updated report.
Collections, charge-offs, late payments, repossessions, inquiries, bankruptcies, and other negative items. We dispute items that appear inaccurate, incomplete, outdated, or unverifiable. Accurate, timely information can't legally be removed.
Your personal online dashboard. It shows your results and the items currently in dispute, so you always know where things stand.
SmartCredit® monitoring lets our team securely view your three-bureau reports and track changes after each round, without affecting your score. The Premium membership is $49.99/month, billed directly by SmartCredit.
No. You have the right to dispute inaccurate information directly with the credit bureaus yourself, at no cost. Many people choose a professional team to save time and follow a structured process.
Book your free consultation. We'll review your credit report with you, explain what can be disputed, and map out a clear plan toward your goals.
