What to check
Review account names, balances, dates, payments, duplicate accounts, inquiries you do not recognize, and personal information.
Texas-based bilingual credit repair
Credit repair, explained clearly—so you can move forward with a plan.
CRS is a bilingual credit repair company based in Texas. We help eligible consumers across the U.S. understand their credit reports, find information that may be wrong or incomplete, and learn simple habits that support healthier credit.
Total CRS service fee: $499 · Payment to CRS today: $0
CRS service fee: $499 total. Payment to CRS today: $0. CRS may request the fee only after the agreed services are complete and every applicable payment condition in the written agreement is met. Six months alone does not make the fee due. Results vary.
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 offer: $1 for the first 7 days, then $29.98 per month until canceled. You may cancel at any time. Cancel before the trial ends if you do not want the monthly charge. SmartCredit bills you directly. Review the current price, renewal date, and cancellation terms before enrolling because third-party terms may change. A paid SmartCredit membership is required during the CRS process. CRS may receive compensation.
5.0Google rating
150+Google reviews
Since 2018Helping consumers
EN · ESBilingual support
Free credit repair guide
Not ready to enroll? Start with our free eBook.
Learn how to read your credit reports, spot details worth checking, organize possible errors, and use practical AI prompts. No credit experience is needed.
Understand what is on your reportsKnow what information may be worth checkingFollow simple steps at your own pace
Free PDF · Educational information · Results vary
Does this sound familiar?
Credit reports can feel overwhelming. You do not have to understand every term before you begin.
You may see an account, balance, payment, or date that does not look right. Collections, charge-offs, and credit inquiries can also be confusing.
CRS explains your reports in plain English or Spanish. If something may be wrong, we help you organize the facts and understand what you can do next.
Correct negative information cannot be removed just because it hurts your credit. You may dispute inaccurate information directly and for free. Results vary.
An account or balance does not look familiarDates or payments appear incorrectA collection or charge-off is hard to understandYou are preparing for housing or transportationYou read your reports and still have questions
What credit repair really means
Check your reports. Question possible errors. Build better habits.
Credit repair means reviewing your reports, finding information that may be wrong or incomplete, and asking the credit bureaus or reporting companies to investigate. It cannot erase correct negative information just because it lowers your score.
What credit repair cannot promise
No company can guarantee a deletion, score increase, approval, financing result, or completion date. Results vary.
You can dispute inaccurate information yourself for free. CRS is optional if you want help understanding your reports, organizing documents, and following the next steps.
How CRS works01 02 03 04
Four simple steps, with you in control.
Review
Look at your reports and mark information you do not recognize or believe may be wrong.
Understand
Learn what utilization (the part of your credit limit you use), collections, charge-offs, inquiries, and credit monitoring mean.
Organize and ask
Confirm the facts, collect useful documents, and ask the credit bureau or reporting company to investigate information you believe may be wrong.
Follow up
Review new information and build better habits around payments, card balances, and new applications.
Two costs to understandCRS service fee Required separate membership
Know who charges you before you begin.
$499 total · $0 today
One CRS fee, subject to all payment conditions in your written agreement. It is not a monthly CRS charge and is not payment for a deletion or score increase.
$1 for 7 days · then $29.98/month
SmartCredit bills you directly. Cancel anytime; cancel before the trial ends to avoid the monthly charge. Review current terms before enrolling.
Why consumers choose CRS
Clear explanations. Patient support. Professional service.
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
SmartCredit and CRS are separate. SmartCredit bills its recurring membership directly; CRS provides the separate credit repair services described in your written agreement. Read the SmartCredit details →