How it Works

Step One
You will be required to provide us with your credit report from all three credit bureaus: Equifax, TransUnion, and Experian. We prefer that you use to pull all three of your credit reports because of the ease. They also offer a lot of additional features if you continue your membership with them. If you don’t like Smart Credit, we have other credit monitoring companies available to you.
Step Two
Second, we provide you with a thorough credit analysis of your credit report, identifying any inaccurate information. We then examine the different factors that are negatively affecting your credit score and offer practical steps to improve it. Lastly, we offer detailed guidance on how to rebuild and restore your credit, providing assistance throughout the entire process. Our main objective is to assist consumers with poor credit through our restoration program.
Step Three
Third, we load all your inaccurate, misleading, and unverifiable information into our system. We then start challenging questionable information with the credit bureaus, creditors, and collectors. Once the dispute letters are prepared, we send them out to everyone and wait for updates for 30 to 40 days. You can monitor the progress of your credit repair through our online portal. We concentrate on repairing your credit from beginning to end. Our objective is to assist consumers with poor credit through our restoration program.
Step Four
Once the updated credit reports come back, we analyze the updates for any changes to the inaccurate, misleading, and unverifiable information. If there are changes, we update your file and then move on to the next inaccurate, misleading, and unverifiable item. If the item comes back verified with no change, we follow up with the credit bureaus to try to get a resolution on why the inaccurate information is still on the credit report. We focus on fixing your credit from start to finish. Our goal is to help consumers with bad credit through our credit repair and restoration program.


  • Late pays
  • Tax liens
  • Inquiries
  • Short Sales
  • Collection accounts
  • Identity Theft
  • Charge-offs
  • Sold Accounts
  • Authorized users
  • Bankruptcies
  • Outdated Information
  • Medical bills
  • Repossessions
  • Foreclosures
  • Duplicate Entries
  • Child support