Credit repair is the process of identifying and disputing inaccurate, outdated, or unverifiable information on your credit report. The goal is to legally remove negative items, improve your credit profile, and increase your credit score. We follow legal laws under the FCRA Fair Credit Reporting Act.

A free credit analysis is a quick review of your credit report. We’ll check your credit score, number of accounts, and any negative marks. Based on what we see, we’ll recommend the most effective credit repair package to help you get the best possible results. 

Once you request a free credit analysis and provide your credit report, you’ll receive your results by email in 24 to 72 hours.

✅ Choose a credit repair package

✅ Check your email for your client portal login

✅ Complete onboarding: sign the contract, sign up for credit monitoring, and upload your documents.

Not sure what plan you need? Get a free credit analysis and we’ll recommend the best option for you!

• Clear photo of your SSN card
• Valid photo ID (driver’s license, state ID, or passport)
• Proof of address dated within the last 30 days
• Last 4 digits of your SSN

Once you’re enrolled and your documents are received, Your personal info will be updated with the credit bureaus. Any necessary security freezes will be placed. Dispute letters will be generated and sent within 2–3 business days. Every 30–35 days, we’ll initiate a new round of disputes like collections, charge-offs, late payments, etc. 

Each round takes 30–45 business days (7–9 calendar weeks) for updates. Please do not contact us about updates before this time. Every case is unique; some clients see results faster than others depending on their credit situation.

You’ll receive your client portal login and onboarding instructions within 24 hours of purchasing your credit repair plan.

Updates are provided once per month via email. You’ll also see changes reflected in your Smart Credit account. Do not manually refresh your report, or additional charges may apply.

If your credit monitoring is inactive for 10+ days, you will be dismissed from the program. If your monthly or plan payment is more than 10 days late, you will also be dismissed. No refunds will be issued upon dismissal, and you must start over at round 1 and re-enroll at full price without access to any promotional offers.

Yes! However, we ask that you do not contact us for updates before your designated update period (7–9 weeks). All updates will be sent via email only.

All communication must go through the client portal or our website chat box. We do not accept phone calls for support. 

All digital products are nonrefundable and we do not offer returns or exchanges for them. For our credit repair services, You have 24 hours after your first payment to cancel and request a refund. After 24 hours, no refunds will be given, especially once letters are sent. No exceptions will be made. For more details, please refer to our full policy

Cancellations must be done via: Chat on our website or Inside the client portal. We do not accept cancellations via mail, email, or phone. If you're within 24 hours of payment, you'll be eligible for a refund. After that, no refunds will be issued.

We can help remove inaccurate, outdated, or unverifiable items such as: collections, charge-offs, repossessions, late payments, hard inquiries, evictions, bankruptcies, child support, closed accounts, etc. However, accurate and verifiable negative items may remain on your report.

Yes – most clients see a positive change. However, results vary based on your unique credit profile and how well you follow our instructions (such as managing credit utilization and avoiding new debt).

Absolutely! Better credit makes it easier to qualify for loans, auto financing, or mortgages — and at lower interest rates.

No. Checking your credit through monitoring services is a soft inquiry and will not affect your score. Only hard inquiries (like applying for loans) can lower your score.

Failing to upload letters or respond through the portal can delay or hurt your results. You must submit documents as soon as you receive them to help us respond properly.

Yes, but: You must re-enroll at the current full price, You will restart at round 1 and You cannot rejoin under any prior discount or promotion.

No. It is illegal to guarantee results in credit repair. While we have a strong track record of helping clients improve their scores, each credit profile is different.

We offer digital products, so there is no physical shipping involved. Your digital product(s) will be delivered instantly to your email after purchase. If you have any questions or concerns, please feel free to reach out to us anytime. We're here to help!