6 questions. Same-day response.
Question 1 of 6
A team member will contact you to schedule your audit.
We stand behind our work. If we don't deliver results within 90 days, you get your money back. No fine print.
We're so confident in your satisfaction that "results in under 90 days or your money back" is our gold standard of excellence.
We dispute directly — no middlemen.
100s of active customers improving daily.
Fast, documented progress you can verify.
Data stored privately, never sold.
We're proud of our work and happy to share results. Here's what clients experienced after their free audit.
"A bankruptcy I thought would follow me for ten years was removed in under three months. I still can't believe it."
"Late payments that were tanking my score are gone. I got approved for a mortgage six weeks after working with them."
"They were honest about what was possible and delivered more than they promised. My score jumped 112 points."
Before you take action on your credit, understand the three things that can make your situation worse — not better.
Anything you say can be used to restart the clock on old debts, re-age accounts, or admit to balances that were otherwise uncollectible. Silence protects you. Let a professional handle every communication on your behalf.
Negotiating without knowing your rights often leads to partial-payment agreements that re-confirm the debt and reset the statute of limitations. What feels like a "deal" can keep a negative item on your report for years longer than necessary.
Consolidation companies bundle your debts into a new loan and charge fees on top — they don't remove the negative marks. You end up with a new debt, the same damaged report, and less money. Direct repair targets the inaccuracies themselves.
The Smart Credit Repair difference: We work directly on the inaccuracies dragging down your report — no new loans, no renegotiated debt, no middlemen. That's how real removals happen.
Yes. The audit is completely free with no obligation. We review your reports to determine whether you're a good fit for our paid repair services before anything else.
Most clients see meaningful results in under 90 days. If we don't deliver results in that window, you get your money back — guaranteed.
We've successfully removed charge-offs, late payments, bad debt, and — in certain circumstances — bankruptcies and student loans. Every case is different, which is why the audit matters.
Completely. Your data is 100% privately stored, never shared with third parties, and never sold. We only contact you with your explicit permission.
Your free credit audit is the first step. It costs nothing and tells you exactly where you stand.
Get My Free Credit Audit