Get your credit ready for the home, car, or funding you want.
We go through your reports, challenge what's inaccurate, and build you a plan to get approval ready.
Illustration only. Sample conversation.
- ✓EnrolledConsultation & program selected
- ✓Onboarding completeDocuments uploaded · SmartCredit connected
- 3Dispute round in progressAbout 30–45 days per round
- 4Updated reportSee what was deleted & what's still in dispute
Illustration only. Not a real client account.
- Does it work?
Every plan comes with a 90-day money-back guarantee: full refund if we can't remove any inaccurate, unverifiable, or erroneous negative items in the first 90 days. See the policy.
- How long?
Each dispute round usually takes about 30 to 45 days, and every file is different.
- Is this legit?
You're protected by the federal Credit Repair Organizations Act, including the right to cancel within 3 business days. Read your rights.
Real reports. Real movement.
Arnold R.Jul 30, 2026
EQ +207EX +93TU +30
61 disputed items deleted
Henry M.Jul 31, 2026
EQ +25EX +10TU +9
8 disputed items deleted
Jessenia L.Aug 5, 2026
EQ +73EX +95TU +67
16 disputed items deleted
Jesse K.Aug 11, 2026
EQ +42EX +49TU +90
32 disputed items deleted
Luis V.Aug 20, 2026
EQ +116EX +51TU +55
45 disputed items deleted
Romero O.Aug 25, 2026
EQ +20EX +11TU +60
19 disputed items deleted
Patrick M.Aug 27, 2026
EQ +81EX +92TU +55
24 disputed items deleted
Shanique A.Sep 14, 2026
EQ +24EX +25TU +25
8 disputed items deleted
Patrick M.Sep 23, 2026
EQ +67EX +4TU +38
2 disputed items deleted
Luis V.Sep 25, 2026
EQ +70EX +103TU +130
18 disputed items deleted
Victor A.Sep 29, 2026
EQ +18EX +27TU +13
2 disputed items deleted
Yauncey J.Sep 30, 2026
EQ +30EX +91TU +3
5 disputed items deleted
Arnold R.Oct 9, 2026
EQ +21EX +36TU ±0
6 disputed items deleted
Gustavo N.Oct 12, 2026
EQ +85EX +81TU +83
2 disputed items deleted
Jessica T.Oct 12, 2026
EQ +94EX +79TU +78
1 disputed item deleted
Katrina R.Oct 12, 2026
EQ +11EX +75TU +77
27 disputed items deleted
Amanda W.Oct 14, 2026
EQ +98EX −3TU +93
4 disputed items deleted
Christian C.Oct 14, 2026
EQ +53EX +54TU +53
8 disputed items deleted
Henry P.Oct 15, 2026
EQ +58EX +57TU +4
3 disputed items deleted
Louis S.Oct 16, 2026
EQ +75EX +125TU +72
3 disputed items deleted
Real client results from each client's SmartCredit® progress report, shown with permission as first name and last initial; names and personal details are removed from the screenshots. These are selected results and are not typical: credit scores can go up or down, every credit profile is different, and we cannot guarantee any specific outcome, score increase, or removal of accurate information.
90 Days. Real Results.
Or Your Money Back.
Every credit repair plan comes with our 90-Day Money-Back Guarantee. If no inaccurate, unverifiable, or outdated negative item is removed from any of your credit reports within 90 days of enrollment, you can request a full refund of the program fees you paid.
No runaround: email us within 30 days after your 90-day period ends, and approved refunds go back to your original payment method within 10 business days.
All three plans
Silver, Gold and Platinum credit repair programs are all covered.
90 days from enrollment
If no inaccurate, unverifiable, or outdated negative item is removed from any of your credit reports, you can request a full refund of program fees paid.
In writing
It's part of your contract, alongside your right to cancel within 3 business days of signing.
The guarantee doesn't promise a specific score increase or the removal of accurate information, and it doesn't cover SmartCredit® fees, which are paid directly to SmartCredit. Full terms.
Free, no obligation, takes 15 minutes.