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.
CRS charges one flat $499 service fee. You do not pay CRS upfront. CRS may request payment only after the agreed service period has ended, the agreed services have been fully performed, and a later consumer report—issued more than six months after the documented results were achieved—still shows those results. Results vary, and your written agreement contains the complete terms.
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.
A separate active paid SmartCredit membership is required during the CRS process and is billed directly by SmartCredit under its current price and terms. 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with understanding what your reports say, identifying information that may be inaccurate, incomplete, duplicated, outdated, inconsistent, or unverifiable, and deciding which next step fits the facts.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.
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. Payment still depends on every service-period, completed-service, and later-report condition explained here and in your agreement.
CRS charges one flat $499 service fee. You do not pay CRS upfront. CRS may request payment only after the agreed service period has ended, the agreed services have been fully performed, and a later consumer report—issued more than six months after the documented results were achieved—still shows those results. Results vary, and your written agreement contains the complete terms.
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 →