Credit repair is the process of identifying and disputing inaccurate, outdated, or unverifiable information on your credit report.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.

To begin, follow these simple steps:

✅ Choose your credit repair package – [Click here to view options]

✅ Check your email for your Client Portal login and complete the onboarding process

✅ Sign your service agreement, sign up for credit monitoring, and upload your required documents inside the portal

👉 Not sure which plan you need? No problem! Request a free credit analysis. We’ll review your credit report and recommend the best package based on your needs and our professional expertise.

To get started, you’ll need to upload:

• Login info for your credit monitoring (Smart Credit)
• A clear photo of your SSN card
• A photo of your unexpired government ID (driver’s license, state ID, or passport)
• Proof of address dated within the last 30 days (utility bill, lease agreement, etc.)
• Last 4 digits of your Social Security Number

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
• Collections, charge-offs, late payments, and hard inquiries will be challenged
• CFPB complaints may be filed when needed to support disputes

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.

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

• 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 missed payments or failure to follow instructions
• Read our full [Return & Refund Policy] for more details

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

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
• 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.

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.

You will receive your client portal login and onboarding instructions by email within 24 hours of purchasing your credit repair plan.