Understand your report
We review credit information and explain unfamiliar accounts, balances, and payment records in everyday words.
Texas-based bilingual credit repair
Credit repair, with guidance you can understand.
Confused by your credit report? CRS helps you understand it, review possible errors, and plan your next steps. Personal guidance in English or Spanish for eligible consumers nationwide.
5.0Google rating
150+Google reviews
Since 2018Helping consumers
EN · ESBilingual support
What you get with CRS
A clearer report. A plan. Someone to ask.
Get personal guidance
We help you review possible errors, organize the facts, and understand your options. You confirm that the information is accurate.
Ask questions along the way
Scheduled appointments give you time to discuss your reports, ask questions, and review your next steps throughout the process.
Credit repair addresses possible reporting errors. Correct negative information cannot be removed just because it hurts your credit. Results vary.
See how it works →Know both costs
One CRS service fee. Separate credit monitoring.
$499 total to CRS · $0 upfront
For credit-repair guidance and scheduled appointments throughout your process. It is one service fee, not a monthly CRS charge.
Payment is only requested after the agreed work is complete and all written payment conditions are met. Waiting six months alone does not make the fee due.
Read all payment conditions
CRS does not request or collect its flat $499 service fee upfront. For transactions covered by the Telemarketing Sales Rule, CRS may request the fee only after the time period represented for the services has ended, the agreed services have been fully performed, and CRS has provided a qualifying consumer report issued more than six months after any represented result was achieved and showing that result. Six months alone does not make the fee due. Results are not guaranteed. The written agreement controls.
SmartCredit: $1 for 7 days
Then $29.98/month until canceled, billed directly by SmartCredit. Cancel before the trial ends to avoid the monthly charge.
Keep SmartCredit active while CRS is working on your credit-repair process. Once CRS finishes that process, you may cancel. CRS does not require you to keep the membership during the later wait for the report needed to assess payment eligibility.
Review current terms. CRS may receive compensation.
Free DIY credit repair eBook
Take credit repair into your own hands—with AI.
Get the tools and strategies in one free guide: AI prompts to copy, sample dispute letters, a tracking sheet, and a step-by-step plan. Learn to review possible errors and follow up yourself.
Free eBook + credit monitoring for less than $1 a day.
The eBook is free. “Less than $1 a day” refers only to SmartCredit monitoring: $29.98 per month divided by 30 days. Billing is monthly, not daily; it starts with a $1 seven-day trial and renews until canceled. Mailing, paid AI plans, optional tools, and CRS services cost extra. Check current prices.
Free English PDF · No CRS enrollment needed · Educational guide; results vary.
Meet the person behind CRS
Marco A. Mercado Jr., founder of CRS.
Helping consumers since 2018; an official Texas business since 2019. Our focus is patient explanations, personal guidance, and realistic expectations.
“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
Individual experiences vary. Reviews do not guarantee results.