Review & Start
CRS helps eligible consumers understand credit reports, identify information that may need investigation, and build healthier credit habits. Support is available in English and Spanish.
Credit repair is not a shortcut and it does not erase accurate information simply because it is negative. It begins with understanding what your reports say, identifying information that may be inaccurate, incomplete, duplicated, outdated, inconsistent, or unverifiable, and deciding which next step fits the facts.
Look at account names, balances, dates, payment history, duplicate accounts, unfamiliar inquiries, and personal information. When a concern is supported by facts, you may ask the credit bureaus or the company reporting it to investigate.
Accurate and current negative information generally cannot be removed merely because it is unfavorable. CRS does not promise a deletion, score change, approval, financing result, or completion date.
You can dispute inaccurate information yourself at no cost. CRS is optional for consumers who want help reviewing information, organizing documents, understanding credit terms, and following appropriate steps.
Look at available reports and identify information you do not recognize or believe may be wrong.
Learn what utilization, collections, charge-offs, inquiries, bureaus, furnishers, and monitoring mean.
Confirm the facts, organize supporting documents, and consider appropriate communications for legitimate concerns.
Review new information and build habits around payments, card balances, applications, and positive history.
The fee covers the CRS services described in your written agreement. It is not a monthly CRS subscription and is not a payment for a deletion or score increase.
CRS does not request or collect its service fee while performing the agreed services.
CRS does not request or collect its flat $499 service fee upfront. The fee may be requested only after the agreed service period has ended, the agreed services have been fully performed, and CRS has provided a consumer report issued more than six months after the documented results were achieved that shows those results. Results are not guaranteed; the written agreement controls.
An active membership is required during the CRS process. SmartCredit bills directly under its current terms and CRS may receive compensation.
CRS began helping consumers in 2018 and became an official Texas business in 2019. We provide English and Spanish support to eligible consumers nationwide, subject to applicable state requirements. Individual experiences vary, and no review guarantees a result.
“Their customer service is top notch! Very professional and will guide you step by step through the process.”Krizia V.Google review
“He's been patient and very kind. He answers all my questions—and I have many!”Norma M.Google review
“He takes the time to explain and review results periodically.”Ross M.Google review
CRS provides the consumer credit-improvement services described in your written agreement. SmartCredit provides a separate paid membership used during the CRS process and bills you directly. Review both companies’ current terms, renewal, privacy, and cancellation information before enrolling.
Read the SmartCredit disclosure →