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CRS is a Texas-based bilingual credit repair company. We help eligible consumers nationwide understand their credit reports, identify information that may need investigation, and build healthier credit habits.
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.
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.
A separate recurring paid SmartCredit membership is required during the CRS process and billed directly by SmartCredit. Review its exact dollar amount, trial, renewal, and cancellation terms before creating an account. CRS may receive compensation.
You may have found an account, balance, payment, or date that does not look right. Collections, charge-offs, and inquiries may be confusing, or you may be preparing for an apartment, vehicle, or home and not know where to begin.
CRS explains what your reports say in plain English or Spanish, helps you organize information you believe may be inaccurate or incomplete, and explains the available next steps.
Accurate negative information cannot be removed simply because it hurts your credit. You may dispute inaccurate information directly with the credit bureaus at no cost. Results vary.
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with understanding what your reports say, identifying information that may be inaccurate, incomplete, duplicated, outdated, inconsistent, or unverifiable, and deciding which next step fits the facts.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 card utilization (how much of a limit is reported as used), collections, charge-offs, inquiries, and monitoring mean.
Confirm the facts, organize supporting documents, and consider fact-supported letters or online communications asking a credit bureau or reporting company to investigate information you believe may be wrong.
Review new information and build habits around payments, card balances, applications, and positive history.
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.
SmartCredit is a recurring paid membership and bills you directly. Review its exact price, renewal, and cancellation terms before creating an account.
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